milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2017 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX transferred my mortgage account to Seterus ( Servicer ) a few years ago and Seterus and XXXX have continued to report inaccurate information ( Delinquency ) to the XXXX major credit reporting agency. Seterus has insisted that my last late payment was in XX/XX/XXXX and that information is not correct. My last payment was made to XXXX back in XX/XX/XXXX while trying to work out a modification plan with XXXX that eventually did no work out. I will submit copies of my personal checks of my last 4 payment that were drawn through my routing number and clearly shows the date/time of my last payment to XXXX. Can you please pass the correct information to Seterus/XXXX so that in turn they can report accurate information to all XXXX credit reporting agencies. It has been over 7 years since my last payment to Seterus/XXXX which makes it illegal to report a late payment over 7 years old. Thank you so much, Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (CO).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased a {$100.00} gift card from Visa in  XXXX  of  2016 . In  XXXX  of  2016  I return some products to  XXXX  and used this card. This made the balance of credit on the card to {$130.00}. Now I 'm unable to use the card. After talking to  Visa  they said the card was not valid now because the card was only for {$100.00} and now shows credit of {$130.00}. They said the only way I can activate or use the card if I send them a receipt of my return to  XXXX . I do not have this receipt. So there is no way I can get my {$130.00} from Visa.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: THIS IS NOT A DISPUTE REQUEST FOR ANY OF THE NAMED ACCOUNTS. 
I DONT WANT TO OPEN ANY NEW DISPUTES! 
THIS IS AN ISSUE WITH THE REPORTING ACCURACY OF EQUIFAX ONLY!!! 

Since XX/XX/XXXX I 've been having problems with Equifax. Since XX/XX/XXXX, I have been going back and forth having accounts, old addresses, inaccurate personal information removed/corrected and/or updated. Now all of a sudden all of things I worked so hard to get removed just magically reappeared with no explanation. 

Every time I call, all I get is more open disputes, which are pointless when such items have already been disputed and solved. All I want is for Equifax is to fix my report back to how it was prior to their breach of security, as the current reporting is hindering me from obtaining a mortgage. Since XX/XX/XXXX I have been disputing, do not open any more disputes. 

Personal Information : My name should read as first and last name only. My only accurate phone number is XXXX. My addresses are XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and XXXX XXXX XXXX , XXXX, TX XXXX. ( full numbers are masked ) My job is only XXXX XXXX only. Any information outside of what I just listed is incorrect and need to be removed immediately. 

Inquiries : Since XX/XX/XXXX the only inquiries should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Anything else is unauthorized and was previously removed but all of a sudden reappeared. 

Accounts 9 account numbers not listed due to security ) : 3 derogatory accounts were previously deleted as the companies had no proof they were my accounts however reappeared last month. These accounts, XXXX XXXX XXXX, XXXX XXXX and XXXX need to be removed immediately. These accounts were originally removed in XX/XX/XXXX/XX/XX/XXXX, I dont understand why they back on now. 

XXXX XXXX accounts should be reporting as paid charge off and was reporting as such in XX/XX/XXXX but now they are not correct or remove the accounts immediately ( see attached documents ) XXXX shouldnt be reporting and wasnt reporting until your breach ( see attached letter ). 

XXXX XXXX, should also be removed as it is a fraud account, and was removed until your breach ( see attached document ). 

XXXX XXXX XXXX XXXX/XXXX XXXX, should and was removed in XX/XX/XXXX, now its reappearing. ( see attached document ) Please correct or remove the reporting of these accounts, as this problem is a reporting problem with equifax not the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (VA mortgage) with Village Capital & Investment LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I cancelled this application last week because the company representative lied t us about the details and I cancelled the application. I tried to call   XXXX   XXXX   as well as Village Capital & Investments contacts that the   XXXX   XXXX   Area supervisor provided me, but they have not returned my calls.
Today I received a Closing Disclosure package from Village Capital & Investment, and I clearly cancelled all activities with this company. I believe that Village Capital & Investment has a checkered reputation and their refusal to acknowledge that I cancelled the deal is further indication to me that I was correct in refusing to deal with this organization, and cancelled the deal. I spoke with both   XXXX   XXXX   and   XXXX   XXXX   cancelling this contract.
The Loan Originator is  XXXX  (  XXXX  )  XXXX  MMLS  XXXX . Phone  XXXX  Loan Officer & Georgia Manager is   XXXX   XXXX   Phone  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Account opening, closing, or management

Complaint: I had a checking and savings account with US Bank from around XX/XX/XXXX until XX/XX/XXXX or XX/XX/XXXX ( not sure on the dates ). Around that time I was purchasing some items, XXXX of these items were {$.00} cents each, and received overdraft charges for these items, I was aware that US Bank was capable of forgiving Overdraft fees in discretionary instances and asked them if they could do so. They told me that they would not reverse the overdraft charges to which I asked them to close my account and told them I would not be banking with them any longer. I have since not received one letter, phone call, email or any other form of communication from US Bank or any debt collectors on their behalf. On XX/XX/XXXX I received a phone call from a XXXX with the phone number XXXX threatening me with a lawsuit and telling me that I would be served within XXXX hours. They told me that I owed {$700.00} worth of interest that had accrued on my US Bank account over the last XXXX or so years and threatened me with a lawsuit in XXXX for damages of over {$3000.00}. I am currently interning with a governmental law office and in talking to some coworkers, I believe that this debt ( 1 ) was not fair in the first place, ( 2 ) had far surpassed its statute of limitations, ( 3 ) that if US Bank was trying to collect on a debt, they made little to no effort to contact me, ( 4 ) if US Bank did not close my account that day or shortly after as I asked them to and thought that they had, I received absolutely no information from them about my account still being open and accruing interest. Unfortunately I have no statements or anything from US Bank that I can upload at this time as I do not know what my account number is ( or was ) or how to gain access to it. I am also hesitant to call US Bank or go in to their local branch- as IF there is a pending lawsuit, I do not want to do anything that I am not supposed to do

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked Fedloan after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over XXXX years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No knowledge of said debt

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 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ME).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citibank previously announced that it is terminating its co-branded credit card relationship with XXXX XXXX at years end. As a current cardholder of a Citibank XXXX XXXX XXXX XXXX XXXX card, Citi notified me via email on XX/XX/XXXX that my account is being transferred to XXXX XXXX on XX/XX/XXXX. Citibank via telephone that they have sold my account to XXXX XXXX and that " this was a business decision. '' Citi has sold my account information without authorization. Citi has charged an annual fee ( appox 6 months ago ) and has not, as of yet offered a pro rata refund of the annual fee.

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 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$640.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : XXXX XXXX XXXX XXXX Tv was taken off my credit once ) XXXX. When I XXXX came to XXXX we lived in XXXX at XXXX XXXX XXXX south XXXX. This company is a scam fest. I had XXXX XXXX but was always paid on time. If they would have checked my original drivers license they would see that my XXXX XXXX had my XXXX drivers license on it because we bought a car XXXX XXXX new ) and used the XXXX address on the license. If the would have checked the XXXX they would have seen that. Our port of entry was XXXX XXXX and is why we were there. We stayed at my XXXX house XXXX XXXX XXXX for XXXX weeks before I got license and then could travel. 
I have paid all my bills on time and these people are XXXX that just threaten your credit to make you give them money. 
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Creditor : XXXX XXXX. 






Address Identification Number : XXXX : Collection account. {$640.00} past due as of XXXX XXXX. 



Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 





Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : IndividualCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX have lived in XXXX since the end of XXXX and do not appreciate their slandering meCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX XXXX History : Collection as of XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Medical) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My insurance company already paid the bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After Looking at my credit report I see that Afni , Inc is still Reporting inaccurate Information to the Credit Bureaus. 

I have ask for proof of Debt from Afni , Inc XXXX XXXX, IL XXXX RE : Account # XXXX Under Fair Credit Report Act XXXX & XXXX. without a response. To my request. 
And they continue to report inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: My credit card experienced unauthorized charges in XXXX XXXX. Discover did reverse all the charges, however several months after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. The credit bureaus removed this fraud XXXX XXXX address from my reports, and placed a seven year fraud alert on my credit profiles which is done only in cases of ACTUAL identity fraud. Finally, a private investigator went to the fraud address in XXXX XXXX where the goods were apparently shipped, and investigator met with owner/landlord of that property verified that I had no connection to that property, that he had never seen me after being shown my driver 's license, and that I had never rented from him or been anywhere near that property to his knowledge. I went through a thorough review of my Discover account already and on XXXX XXXX, XXXX, Discover 's executive office of consumer advocacy already reinstated my full credit line. 

After all this, Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit card () with SUNTRUST BANKS, INC. (MD).
Issue: Unsolicited issuance of credit card

Complaint: My wife was in a branch of Suntrust Bank to pick up my debit card that accidentally left in the ATM machine. When she stopped at the branch to pick up my card, the branch manager and bank teller asked my wife if she wanted to earn cash back on our debt cards. She said, " talk to my husband, he handles all of that. '' They did n't take no for an answer, asked her a couple of questions like " where did you go to high school? ", etc. With that very basic information, they opened XXXX credit cards, XXXX in my name and XXXX in her name. I had no idea that this had happened, until my credit monitoring service alerted me that an account had been opened. After learning that these accounts had been opened, I immediately tried to find out how this happened, because at first I thought it was identity theft. I later found that it was n't identity theft, but it was the people at the bank branch, that opened an account and NEVER even spoke to me. With that tiny bit of personal information about my wife, they claim that it was appropriate that they opened XXXX new credit card accounts, XXXX in her name and XXXX in my name. Now, I 'm trying to get the account closed and removed from my credit report, but I am having a very difficult time.

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 12/17/2015 about Mortgage (Home equity loan or line of credit) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I am approved for a new 1st mortgage and the 2nd mortgage home equity bank First Citizens of North Carolina was asked to subordinate their loan. I was declined verbally for the subordination and given the reason : I am cashing out combined with a XXXX score, however, approved if no cash out, which concerns me for Fair Lending. I also explained that the score does not reflect the recent XXXX mortgages paid in full and as agreed on XXXX/XXXX/2015 for {$500000.00}. The refinancing company also sent the XXXX to show those mortgages are paid and closed as proof and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (CA).
Issue: Managing the loan or lease

Complaint: I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Can't stop charges to bank account

Complaint: This is in followup to case XXXX. 

I sent a message to Big Picture Loans revoking ACH authorization and they did not accept this. They still withdrew money from my account. How do I get them to accept this? I also firmly believe that this is predatory lending at his finest and is illegal. They should credit my balance as payment in full completed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX, I began having to make my full student loan payments back to Navient. I had taken out XXXX loans through Navient XXXX formerly XXXX ) for school, one of which has been paid off. My monthly payment to Navient is {$460.00}. At the beginning of my repayments I asked Navient employees what my options were for lowering my monthly payment, as I did not have a full time job at the time ( and not until the end of XXXX ) and could not afford to make my payments. I was told I could not defer any of my loans as I was no longer a student, and my only option was forbearance - which meant paying $ 50/loan upfront ( {$150.00} in my case ), allowing you to have a monthly payment of {$0.00} for the next three months. So, my only option to " lower my monthly payment '' was to pay {$150.00} ; I needed the money to live and pay other bills. Navient also informed me you could only do this " forbearance '' for one year. So now to " lower my monthly payment '' for only one year, would still cost me {$600.00}. And once the year is up, the payment goes back up and I am back to square one. I am more than willing to pay back the loans but can not afford what I am paying currently. Navient has the worst customer service of ANY business I have ever dealt with in my life. They are unwilling to help and refuse to do so. I have constantly made calls over the past XXXX years telling them I can not afford these payments and that they are outrageous. I pay less money for rent ; that is appalling. I deter anyone I can from applying for loans with Navient. They have the worst service, hassle borrowers with phone calls when payments are late ( more than one call a day ), and do not give any options of fair repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: Was not receiving statements in the mail. Payments were being sent with statement. I had called to see about reversing late charges and offered to pay the initial purchases but was told only half could be taken off. I have since paid the balance in full including all the late fees and fincance charges and interest. I want it cleared from my credit history.

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 04/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: it was n't opened by me and they still have it on my credit report

Company response to consumer: Closed with explanation