milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan servicer, Seterus, repeatedly refused to review and eliminate the PMI insurance on our home loan in numerous correspondences going back over the past two / three years. They were adamant that we needed to pay them for an appraisal even through the remaining loan amount when compared to original formal appraisal in Seterus records was far below the 78 % threshold for eliminating PMI altogether. We have sent Seterus numerous letters demanding removal of our loan PMI in the amount of {$200.00}. Seterus always responded with a form letter and demand {$350.00} for a new appraisal before even considering our demand. THEN, WITHOUT ANY LETTER OF EXPLANATION or verbal communication, Seterus lowered our PMI from {$200.00} to {$53.00} in XXXX 2016. This was literally " Out of the Blue. '' They also sent us a check for {$830.00} with a notation " Overage Refund. '' As we investigated, we found that Seterus, for some reason which we have no knowledge of and have never - to this day - received an explanation of, reduced ( did not eliminate ) our PMI from {$200.00} to {$53.00}. WHY? No Clue, but this action and the fact that the outstanding loan balance amount did not drop *dramatically* ( normal month to month principal reduction ) between XXXX 2016 and XXXX 2016 supports our on-going contention that we have been overcharged by Seterus for PMI **going back years**. No one at Seterus will ever get on a phone and explain what is going on, and our written communications never give us a person to call as they are always signed " Sincerely, Seterus '' or " Your Correspondence Team. '' Our claim is that Seterus has been overcharging us on PMI for years and we are owed far more than the {$830.00} Overcharge Refund they have sent us. This is a systemic PMI overcharge that goes back years and we want a refund for all past year violations / overages and sanctions against Seterus for this action. The loan is owned by XXXX and we will be addressing this with their Fraud Division as well. 
Seterus Loan Number : XXXX Address : XXXX OR XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Medical) with TSC Accounts Receivable Solutions (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Doctor bill submitted for collection, I then paid the debt directly to the doctor not the collection company. Collection company states I still owe the entire debt including interest they are charging based on the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NM).
Issue: Making/receiving payments, sending money

Complaint: Synchrony Bank has been calling me XXXXXXXX times a day at all different times and for 7 days a week. This week they started using their own name before they used a restricted number which did not show who was calling and this has been going on for over 6 months. XXXX : the account that was behind was Walmart but they lowered the limit on another account called Paypal which at that time was never behind. But I am not going to pay anything on Paypal until they change their actions. Walmart is being paid on schedule and every month. They call me at work, before XXXX and after XXXX They use an automated dialing system which no one is on the other end of the line except a computer until you answer the call. The computer does leave a message but still it is a computer. They changed the calling name from Restricted to Synchrony when I told them not to call me anymore. This is getting monotonous and repeititive I am past tired of all this. I would be glad to pay them if they would quit bothering me but as long as they continue to call XXXXXXXX times a day and sometimes more I will not. Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I purchased my vehicle 4 years ago for XXXX and every year the balance never changes and the balance remains the same. Santander USA over the top interest rates make it impossible for any principle to be paid. This can't be lawful and throughout my economic hardship they have refused to lower the interest. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a complaint with you on this same subject under " debt collections '' I am filing another complaint with the same issue. Experian is holding my credit hostage to persistent dispute remarks on my credit report with Experian. THIs is holding me back from getting a home loan, they are freezing my ability to get approved for a home loan I just applied for three days ago. My mortgage company informed me that they can not underwrite my loan until these dispute remarks are removed with Experian. These disputes are complete ( I received an email showing this after 30 days- from Experian ) These are older than 30 days past first initial dispute. This is causing me a lot emotional distress and affecting my life greatly. Experian is holding my credit hostage by dispute remarks. these accounts ; XXXX XXXX ; # XXXX and # XXXX as well as XXXX XXXX # XXXX and XXXX # XXXX These accounts with EXPERIAN have persistent dispute remarks keeping me from getting my home loan. I have requested they removed them and Experian has refused repeatedly. I may loose my down payment on a home and my underwriter can not take the next step with these remarks on my credit report with experian. Please help remove the remarks Experian refuses to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with Element Global Services (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have XXXX messages on my phone from a XXXX XXXX from Element Global Services saying he is going to charge me with theft of merchandise and have me arrested over my credit card debts he also called my mother who is sick and elderly XXXX times after he was told do not call he called her names and said she better give me the messages he then called my soon to be ex spouse on a number that should have never been found out and told him watch out and watch what he does I called my local police non-emergency and was told I should do this before making a harassment report on him he has called from many different numbers from XXXX NY and XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX my son purchased a Hyundai XXXX and I co-signed. The Retail Installment Sale Contract - Simple Finance Charge was signed by both myself and my son. Per the contract there were 59 payments at {$360.00} beginning XXXX XXXX, XXXX with a final payment of {$360.00} due on XXXX XXXX, XXXX for a total of 60 payments. The payment detail on the Hyundai Finance monthly statement dated XXXX XXXX, XXXX shows a regular payment amount of {$360.00} and a total amount due of {$370.00} for payment # 60. The payoff summary on the statement shows a payoff amount of {$370.00} good through XXXX XXXX, XXXX. While the differences in these amounts for the final payment are small, my concerns are two-fold. First, the payoff amount and the final payment per the statement on XXXX XXXX, XXXX should be the same since payments would have been based on an amortization schedule. There should not be interest charged beyond what is included in the final payment due. Second, is there a systemic problem across all Hyundai Finance loans that adds interest to the payoff amount that is based on the date the final payment is due and higher total interest payable than the amount shown on the executed Retail Installment Sale Contract?

Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Debt collection (Medical debt) with Renton Collections Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This bill was as a result of a work related injury. The original party where I had the service performed was notified on more then one occasion of the XXXX XXXX insurance information. witch was XXXX. They failed to bill the insurance company. They had everything they needed and they just did not follow threw. Now it has been several years and the XXXX XXXX case has been closed. I do not feel I should pay because they did not do there job. And will not pay on principal alone. I will file a small claims case against them and you because it is not my debt. If that does not work it will just sit there until it becomes to old to collect. because as I said that should have been paid by XXXX insurance. Every other party involved the hospital the doctors all got paid and it is there own fault they did not. Thank you XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up for what I thought was a {$1.00} credit report with Experian ( XXXX ). I was then charged {$24.00} for a credit monitoring service. I called the Experian and cancelled my " membership '' but they would n't return my funds. Unfortunately, I did n't see the fine print but this company is taking advantage of people. I would like my money back since I feel like I was taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Following the fact that my prior CFPB case number XXXX resulted in information that the company XXXX XXXX XXXX conducted a hard pull of my Equifax credit report, after the CFPB case closed that I am not a customer of XXXX XXXX XXXX, I was informed to call them at a number that they provided to CFPB in my reply. When I call this number, I am not able to reach a representative. As a result, I decided to file an inquiry dispute with Equifax and the result of the inquiry was that inquiries are factual records of file access and they closed the dispute. They told me to contact XXXX XXXX XXXX once again and they direct me to call either the Department of Education ( which I have done via the Ombudsman and have received no reply ) or my university ( which has no knowledge of XXXX XXXX XXXX ). I am unsure how to proceed because I have no knowledge of authorizing XXXX XXXX XXXX to authorize a hard pull on my Equifax credit report, Equifax did not accept my dispute, and there is no one to reach at XXXX. Ideally, I want the XXXX XXXX XXXX hard pull inquiry removed from my credit report unless it can be proven that I authorized such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I paid off my Macys Credit on XX/XX/2017, payment for the balance due had to be received by Macy 's on XX/XX/2017. To my surprise I received a {$2.00} statement from Macy 's at the end of XX/XX/XXXX for {$2.00} then in XX/XX/XXXX for another {$2.00} and now in XX/XX/XXXX for another {$2.00}. I called in XX/XX/XXXX and they said they would remove the charge, so I did not pay. In XX/XX/XXXX I did not call so I called again in XX/XX/XXXX. Now they say that it is interest due from my last statement ... .so why do they keep billing me for additional {$2.00} every month. I have paid off other credit cards and when I pay the balance due before the due date that is it! I do n't get another statement from them again unless I use the card again. I really think this is a total scam. I feel robbed. I know it is just {$6.00} but I feel it is just not right. I can see from other complaints that this is what they do with everybody. I can only imagine all those who do n't complain and just keep on paying the {$2.00}. I paid the {$6.00} due because this is affecting my credit ( I know they will report me for the {$2.00} being past 30 days ). Somebody needs to do something and stop Macy 's from doing this. This is just not fair to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Debt collection (Medical) with Regional Collection Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Regional Collection Service or RCS which it is now known refuses to send me verification of the total amount of the debt I owe. Nor will they send me proof that they received my payment and the balance that is still owed. I do n't feel comfortable making payments on a debt without knowing the true balance before and after the payment. 
Is it legal for them to do this? If not what must I do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a small business owner and in between XXXX I had to take a great loss as XXXX came across the street to my newly purchased XXXX in XXXX, XXXX Not even that I had to close the XXXX but also had to pay for the removal of XXXX. Well for that reason I could not pay my Federal and State Taxes which I end up paying all of them with the penalty. Those tax liens still show on my credit report with XXXX of them as un-paid due to this I got denied earlier this year when I try to Re-finance my mortgage and again now when I applied for a small business loan. I tried to contact Experian, IRS and State of PA and all verify the paid status but Experian is unable to provide me a reason for my XXXX credit score. This is effecting my life immensely and I am requesting a resolve to this situation, thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was a victim of Transunion 's inquiry issue. I spoke with Customer service rep from the XXXX call center. Transunion would not help me resolve the issue. 
Here is a list of the inquiries that were affected. 

XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Any assistance in this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We received a permanent HAMP approval for our first mortgage on XXXX XXXX, XXXX. In accordance to HAMP 2MP, the bank/servicer has an obligation to review the borrower 's XXXX lien, offer a trial period on same, and or extinguish or reduce payments on it ( rate/principal/term waterfall ) in proportion to the HAMP granted first lien. 

Our XXXX mortgage lender, XXXX, is required to report the permanent modification using the HAMP Reporting Tool. Our XXXX mortgage lender GMAC, serviced by an XXXX Call Center in XXXX, keeps transferring me to Ocwen 's Collection Agency or XXXX . They finally advised me that the XXXX mortgage was " written off '' to their affiliated collection company, XXXX XXXX, back in XXXX of XXXX and there is a XXXX balance as it relates to Ocwen. I am cognizant that " write off '' is an accounting terminology and by no way removes the lien or debt. 

Back in XXXX of this year, XXXX XXXX sent us an offer to settle just after we had been verbally approved for our HAMP permanent modification in XXXX of XXXX but had not yet received the attached documents. 

I reviewed the mortgages and liens via our county 's Comptroller 's Office and Ocwen nor GMAC ever processed a lien on our property in addition to the original mortgage. 

Please note, both the XXXX and XXXX mortgage were DISCHARGED AND NOT REAFFIRMED in bankruptcy under Chapter XXXX back in XXXX. 

I have taken the initiative to fax the HAMP permanent modification approval to Ocwen and can not verify receipt of the fax as the loss mitigation department will not speak to me. 

We were advised that the HAMP has to be " matched '' and the Department of Treasury has to officially notify GMAC/XXXX. However, no one can verify nor deny that our HAMP approval on our XXXX mortgage was reported and reflected in the Lender Processing Services ' Applied Analytics Division ( LPS ) data base. 

Our HAMP permanent modification on our XXXX mortgage has " fallen through the cracks '' and no one can assist us as to the status of the tandem 2MP process. 

We seek your help!

Company response to consumer: Closed
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with Vanderbilt and have used your government HUD company and housing counselor. They were not able to budge Vanderbilt mortgage on anything. Vanderbilt says they are an independent mortgage company and can do as they please and not have to abide by the new government laws. My interest rate is 10.78 % I am drowning so I am being forced in XXXX bk. And Vanderbilt is still fighting that by not agreeing to payment plans and just making me miserable and literally sick over this situation.

Company response to consumer: Closed with explanation