milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was sold by XXXX XXXX XXXX to Seterus. We were not notified. We called because there was no loan statement sent. XXXX XXXX XXXX advised us of the change, and when we did hear from Seretus, they assured us were not late. My wife called them to confirm. Less than two weeks later, on a Sunday, we receive a FedEx package advising us we are in default and threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In    2011 R esurgent Capital Services bought a debt from  XXXX   XXXX  and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all   XXXX   major bureaus and the debt always comes back as verified which is strange because when I talked to  XXXX  at  XXXX  in the fraud department she advised me that she could not send me validation of the debt because it was sold to  Rsurgent  i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I   XXXX  denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company  XXXX  hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down.   XXXX   sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: JP Morgan Chase Card Services stopped bills from coming to my home in XXXX of 2016. When I discovered that bills were no longer coming to me, I called Chase Card Services. I was told that the reason they did not contact me was based on a Cease and Desist. When I asked how the Cease and Desist came about, I was told that it was system generated. During this time Chase Card Services reported negative information to the credit bureaus which drove down my credit score and new employment opportunities. I continued to resolve this situation and voluntarily entered a payment plan to eliminate the debt. It was explained to me that after making three payments, the negative information would be removed. Well, this is not what happened, Chase Card Services reneged on this agreement. I continued to make payments under the Payment Plan with {$81.00} was withdrawn from my checking account each month. Lo and behold, Chase Card Services stopped withdrawing the {$8100.00} from my checking account without my knowledge and consent, and reported me to credit bureaus. They reneged on the Payment Plan and violated every consumer act, this is without question Unfair and Deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. A Transunion credit report investigation is being requested at this time. 

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 12/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I made the first payment on my new refi loan online, single payment, as I have always done with the Lender - BOA ( Bank of America ) - The original mortgage ( XXXX ) was with Countrywide which ultimately was converted to BOA. I made the online payment XXXX XXXX, XXXX. Then BOA said something about needing to make test deposits and withdrawals from my bank account to validate the routing and account numbers. These transactions proceeded normally. Without further concern I assumed the payment was made. Then on XXXX XXXX, XXXX when I reconciled my account ( statement attached for reference ) with the bank source of funds I use for paying my mortgage I noticed that the payment had not been drawn. I immediately called BOA and was put through the touch tone misery and spoke to three representatives before I finally was convinced no one had any idea of how those test transactions had occurred let alone actually caring about anything other than my payment had not been made - I made it with a {$5.00} penalty and a {$20.00} fee for the telephone transaction. I am upset that now this will have an impact on my credit rating which has been pretty good up to now since I separated from my wife in XXXX. Nevertheless, even more important than that, I am concerned that BOA uses tactics such as this to deny any knowledge of a transaction, despite it being their website that accepted it and their engines that made the test transactions. Further, it is the same pathway I used to make payments on my new BOA credit card - that did not require test transactions and went smoothly. I also used this account to pay my mortgage with BOA which was refinanced so they had my banking information all along. I submit that they use this as a method to raise their income. I point out that it does an effective job at degrading customer satisfaction- good faith and trust. I will never recommend BOA to anyone except as an example of a heavy handed institution that uses deceptive practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OR).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XX/XX/2017 I was purchasing an airline ticket from XXXX XXXX and saw a promotional offer for the Mileage Plus Explorer card from Chase. The terms for this card included a {$50.00} statement credit, XXXX bonus miles, and a XXXX dollar intro annual fee for the first year. A couple months later I was looking up a charge for something else and noticed that I had been charged the annual fee for the first year that was supposed to be waived. I have contacted chase about this many times and gone through all the processes and they still refuse to credit me back for the {$95.00} dollar charge. I have never signed up for a card with an annual fee and would have never done anything like that. I also took a picture of the offer, as I have been taught to do, to document the offer I received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2017 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: Account information incorrect

Complaint: My Equifax report has a late payment corresponding to account XXXX XXXX XXXX XXXX XXXX, Account Number XXXX that to the best of my knowledge is incorrect and has affected my relationship with creditors. 

The credit report states under Account History with Status Code 1 ( 30-59 Days past due ) XX/2015 but it does not show the information corresponding to that month. The missing information makes it impossible for me as a consumer to verify and correct along with the creditor the error of said reporting. Attached is a copy of my Equifax report so this can be verified. 

For this reason and for the negative it has had on my relationship with creditors causing irreparable damage I demand this incorrectly reported item ( Status Code 1 ) be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2017 I received a call at XXXX PM from XXXX XXXX, from Convergent Outsourcing XXXX XXXX on behalf of XXXX. She asked me to verify my name and address, which I refused to do, and the caller ended the call. I have since been waiting to receive the letter that is required to be sent after contact in an attempt to collect a debt. No such letter has come to my home. Today I received an alert from my XXXX XXXX that a new account is reporting as a collection from Convergent. 

Convergent has deprived me of my chance to dispute this debt or request validation, by not sending me the required letter within 5 days of contacting me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Incorrect information on your report

Complaint: On XXXX XXXX, XXXX, the home equity loan held by USAA was paid off by the title company when we closed on the sale of the house. I obtained from the title company proof that USAA received the payoff on XXXX XXXX, XXXX. I checked my credit report in XXXX, XXXX and again XXXX and found each time that USAA did not report that the account was paid in full but erronously reported it as a collections/charge off with an unpaid balance. I phoned XXXX XXXX at USAA XXXX offices in XXXX and XXXX, leaving a detailed message each time. I never received a response. On XXXX XXXX, XXXX, I faxed a letter to USAA demanding that it immediately and correctly report that the loan is paid in full and remove the false and derogatory information from my credit report. I faxed a copy of the letter to CFPB as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Inquiries should have been removed by now accounts that are paid off & closed out should be removed from my credit

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a account from XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed OHIO XXXX XXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.

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 08-03-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My name is XXXX XXXX I am the Power of attorney for my Mother XXXX XXXX. XX/XX/XXXX the Doctor Prescribed hearing Aide that was not covered by her Insurance. She was forced to sign an agreement to pay off a debt of {$2300.00} dollars. Each time the debt increased with an interest rate of 26.99 % and a late fee that ranged from 25 dollars to 35 dollars. I was not aware of this until recently when requested for an investigation with the Company. The original Contract was with GE Capital Retail Bank and then was changed without notification to Synchrony Financial onXX/XX/XXXX as a credit card account and not a loan, which was original agreement. I have over 60 pages sent by the Synchrony Financial explaining the outrages charges.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Since I submitted the original complaint  XXXX , the egregious error have tripled with over {$170000.00} of credit removed from my report. Below is the letter sent to Equifax in great detail.
<P/>
I am a authorized user on several of my husbands accounts. During the month of  XXXX , Equifax has removed every account that I am a authorized user. Before the month of  XXXX , Equifax reported all authorized accounts correctly. My accounts are being correctly reported on   XXXX   and   XXXX   XXXX  .
<P/>
In an effort to correct this error with Equifax, I called several times over the last couple of weeks and spoke to numerous people at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. In the 20 hours on the phone with Equifax some representatives were unwilling to listen or help. I called EVERY creditor impacted and they assured me that I was being reported to all   XXXX   bureaus every month.  XXXX  and   XXXX   sent mid month updates which was reflected on my husbands credit report but not on mine. The accounts that were removed on my credit report for the month of   XXXX   are :   XXXX   XXXX   XXXX   Credit Limit   XXXX      XXXX   XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit.  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX   XXXX  Credit Limit  XXXX    XXXX   XXXX   XXXX   XXXX  . Credit Limit   XXXX    XXXX . Credit Limit  XXXX    XXXX   XXXX   Credit Limit   XXXX   In total Equifax has removed {$170000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when at least 12 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. This has impacted my ability to apply for credit for a car I am purchasing. I live in  XXXX  Georgia and many lenders pull credit with Equifax since we are both located here.
<P/>
Your immediate attention is needed to resolve this horrendous error made by Equifax. I have been unable to dispute this issue via your system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with URS Holding, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: IN VIOLATION OF FCRA, FDCPA AND TCPA. ( SEE ATTACHED LIST )

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted a Borrower Assistance Application onXX/XX/XXXX.. I also told my single point of contact ( POC ) that i meet the eligibility criteria for one of Keep Your Home California Programs ( MRAP - Mortgage Reinstatement Assistance Program ) and all I need from Rushmore was the mortgage statement and modification. Her response to me was " If you do not qualify for the modification, will they still help you to get current ''. It appeared to me that she already knew that they would not approve me for a modification and that they were just buying time as we got closer to the foreclosure date of XX/XX/XXXX. She then told me that i will know if my application is complete in three ( 3 ) weeks and at that time i will get a decision. Three weeks will be XX/XX/XXXX and only Two weeks away from the foreclosure date. If the decision is negative, i do not have enough time to appeal it before the foreclosure date. 
The staff at Rushmore ( POC 's and Supervisors ) are notorious for misguiding customers on the modification process. They play by the rules by their calendar and are eager to have your home go to foreclosure. 

They do not like to work with other mortgage assistance programs such as Keep Your Home California. 

Rushmore is violating my home owner bill of rights and i 'm kindly requesting you to look into this matter. 

Please look at complaints of several other unhappy customers : https : //www.checkbca.org/report/rushmore-loan-management-services-llc-100102203/XXXX XXXX XXXX XXXX XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Medical debt) with Credit Center, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello, in 2008 I was XXXX XXXX from my job. I found another job, but was XXXX  around 54 % of my previous income. During that time, my loan was with XXXX XXXX. I asked well before my lay off if they are able to help me until I am able to be at a fairly good standpoint. I also called all my credit cards and requested the same. I have never been late on any of my accounts at that time, and I had a FICO score of XXXX. I was told by XXXX XXXX there is nothing they can do, and to make sure I sell my stocks before I default ( while she laughed ). I ended up losing a good percentage of my stocks due to the crash, as well as cashing some money out to help with my XXXX, to the point all my money was gone. It was n't until I missed two payments that I received a call from XXXX XXXX stating they can help me. 

Prior to the modification I had a principal balance of ( rough estimates ) around {$220000.00} with 22 or 23 years left on my mortgage. I then spoke with them about a loan modification. I also asked if I may pay what I can to apply to my mortgage loan. I was specifically told by making a payment, it does not show hardship and my modification may be denied. In short, when the modification was finally completed my new principal loan was now around {$310000.00} with a new 40 year term. My home was already undervalued, and with the modifications undervalued my home even further. 

My loan is now with XXXX XXXX, and I am unable to do a refinance that will make my payments lower than what I pay now. My main questions are : Why would they increase my principal balance and term, rather than keeping my original principal the same with an extended term to lower my monthly payment? 
I have spoke with multiple people who own multiple properties that all had principal reductions. I was just trying to save my one home. 

Also, now my loan is no longer with XXXX XXXX or XXXX XXXX, with no equity am I still able to refinance without paying more than I am now? 

I have a bigger family who are getting older, as prices and medical cost keep rising, while my salary has not increased. I am close to struggling again, but as before try to anticipate my options to prevent that struggle from happening. 

With the increase in principal and increase term from XXXX XXXX a mistake? I noticed those who received a principal reduction, and actually got help from the loan modifications were those who had bad credit, with multiple late payments. Was I judged base on my credit history and willing to pay? 

Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted on the telephone by an agent from National Credit Adjusters in XX/XX/XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at XXXX XXXX. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all XXXX agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.

Company response to consumer: Closed with explanation