milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (HI).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I submitted a complaint ( Claim XXXX ) regarding obtaining a Deed in Lieu release from Seterus. At that point, we had been attempting to obtain this release since XX/XX/XXXX. 
Shortly after submitting our complaint to you, we received a letter fromSeterus dated XX/XX/XXXX advising us that our Deed in Lieu hadbeen approved. That letter requested we submit notarized SettlementDocuments to Seterus and their Attorney within 2 weeks. We did that ... 
all documents were submitted and loaded into the Seterus system XX/XX/XXXX. Upon receiving these documents, Seterus wasobligated to send {$6000.00} to XXXX XXXX Bank, the junior lien-holderon the property so they could release their lien to enable Seterus to closeon the property. On XX/XX/XXXX I contacted XXXX XXXX whoadvised me that they still had not received the {$6000.00}. On XXXX XXXX, Icalled Seterus to check on the status of the check. It had not beenmailed yet. I was told that the department who handles this had left forthe day but someone would be contacting me. The person at Seterusalso said they were escalating this matter to the supervisor of the person who was to issue the check. No one contacted me, so today, XXXX XXXX, I called Seterus again. When you call Seterus, you are only allowed tospeak to the customer service rep who answers the phone. They never, never transfer your call to any other person either within or outside thedepartment. Each time it is someone who is completely unfamiliar withyour case, so the average call takes 45-50 minutes while the rep reviewsyour file, " reaches out '' to someone else, etc. The first person myreached out to on that call sent a message back saying based on herreview the file was closed. 

I said that was impossible, because XXXX XXXX is stillwaiting for {$6000.00} to release their lien before Seterus can close. Therep then reached out to someone else who advised that she saw arequest for the check to be issued, but it appears not to have been issuedThe person responsible for doing so was " out on leave. '' The rep wasadvised that the person she was messaging would have someoneinvestigate the matter tomorrow, since the XXXX Officer assigned to my admy account was " out of the office. '' I told my rep I need to knowimmediately when the check will be issued to XXXX XXXX. She said Ishould call Seterus back " next week '' for an update. I reminded her thatthis DIL process had been going on for more than 1 year, and I need acommitment as to when the check would be issued. The rep reachedout to her supervisor who reviewed what had just transpired and told therep to tell me to call back next week. This is symptomatic of theproblems I have encountered with Seterus, and why it has taken overone year to complete this transaction. I am not new to the DIL process : I have done thishave done this before with other properties and banks, and have neverencountered inefficiency and errors of this magnitude.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Other

Complaint: I double payed my American Express account on XXXX/XXXX/15 and XXXX/XXXX/15 in the amount of {$3000.00}. I called immediately on XXXX XXXX, and was told money would be wired back in 24-48hrs. I waited until XXXX XXXX called back they said it should have been done - they will look into it, give it a few days. I called again on XXXX XXXX, was told that a letter was sent out that name on bank act and credit card act did not match and money could not be wired. I confirmed names matched, and was told that money would be wired Thursday XXXX XXXX because of XXXX. XXXX XXXX I called and was told money was adjusted off my credit card and has a wire is in process give it until Fri or Monday. Checked Monday XX/XX/XXXX..no money. I called back they said they would send a inquiry to wire department. XXXX XXXX i called my bank they said to ask AMEX for wire confirmation and that is when i was told money was wired into a XXXX act. NOT MY ACCOUNT. Now no one returns my calls. Now they say it was n't my money posted to my account. All of the sudden they said they have no proof it was my money paid twice. Now I am getting run around. Everyone says they will call me but no one is calling me back. They have had my money for over 2 weeks. I have bank statement proving it was my money. Now AmEX says they need to investigate and it could take 8 weeks. I can not wait 8 weeks and its my money anyways!. I explained that they should refund my money and they can investigate and get the money back from the other customer on their own time. No one is goving me any real answers - they just say they have no authority but will not let me seak to someone who has authority.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (MD).
Issue: Managing the loan or lease

Complaint: My account with Omni has never been late. I have always paid this account on time and never late. For some reason Omni has chosen to report this account as charged off after I have paid this account off.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Huntington  stopped allowing me access to my bank account because it was in the process of being closed due to an overdrawn balance. I could n't log in, gain access to online banking information, or even access my account number to make a deposit to bring the account current. I received no notification of this happening. No letter, no phone call, no email.     On Friday,  XXXX   XXXX , my employer sent a paycheck via direct deposit that was greater than the overdrawn balance. I contacted Huntington on  XXXX   XXXX , and they let me know the account was still NOT closed, just in the process of being closed, and that they would hold on to the additional funds for an undisclosed amount of time until they felt like sending the balance back to me via check. No one could tell me how long it would take or when the check would be processed.     It is alarming to me that I would not be allowed access to view details about an account that is technically still open, and that no one could tell me when the additional funds would be sent to me. I was told that they could hold the funds as long as they deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX is freely allowing fraudulent credit card applications to be opened under my name ( happened 10 times ) and making hard inquiries to my credit report each time. Reference : XXXX XXXX XXXX credit card as the exact card attempting to be opened. Most recent incident XXXX XXXX, 2017. 

This has created a significant hardship to me personally, as each hard inquiry amounts to a reduction of my total credit score. 

I have taken every available step to protect my identity to avoid this from happening ( frozen credit, fraud protection, pass phrase and PIN protection ), however, XXXX XXXX XXXX XXXX continues to allow the fraudulent credit card applications to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: Good Morning, I filled a dispute on a XXXX transactions to XXXX bank on my Debit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX Transmission and got One year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX Transmission and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 

Attached is the e mail I send out to XXXX bank and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX transmission to cover the cost and they are investigating. 

Attached is the letter I send to XXXX bank. 
To Account : XXXX bank Date : XX/XX/2016 Account Number : Checking XXXX Subject : All Other Reference : XXXX Hello I called few days ago regarding XXXX transactions from XXXX Transmission from XXXX 2016. 

XXXX for {$500.00} and other for {$1300.00}. 

XXXX transmission did repair on my Car and promised me warranty for one year and also put new Valve Body in the transmission. 

Transmission completely failed few days ago and I was stuck in the road on my way back home. 

I tried calling XXXX Transmission couple of times no answer and I tried called Manager XXXX XXXX who dealt with me he also does n't answer. 

I went to the XXXX Transmission in person. Business is no longer available and as per new owner they were evicted and business has changed Name. 

I have all proofs and took pictures of the new firm occupying the place. 

I would like to have full refund of my money because I have to pay again for the repair of the Transmission to a new company. 

Hope to hear for you soon and I would need extreme help for XXXX bank on this. This is totally unacceptable of XXXX Transmission. 

a ) I have proof of the warranty paper for one year for the repair. 
b ) Proof of the new repair fro new company that Transmission is not working and I have to pay all over again. even tho for Valve Body that XXXX Transmission replaced in new. 
c ) Picture of that there is new company under the same address. 

I am ready to provide any documentation or proof to prove my case. 

Best Regards,, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid at least a year ago to creditor. Tried to straighten this out through XXXX XXXX, but collector refuses to remove debt from credit report.

Company response to consumer: Closed
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was checking my free credit reports at annualcreditreport.com. I was able to view XXXX, XXXX, but not Equifax. When I clicked on the link to view the Equifax report, a page stating that the system was not available and to check back later. Once I returned to annualcreditreport.com, it showed that I had viewed the Equifax report and would not let me back in. I have gone to the Equifax website, but you must purchase a product in order to speak with a person. The links on the Fair Credit Reporting Act for their site are not active. They do not have any phone number that will get you to a person to help with the issue. You ca n't even order a credit report without signing up for a monthly subscription. I finally ordered a report and score over the phone because the phone was not clear as to what needed to happen in order to just get a report. I paid the {$19.00} just so I could get a copy. This is yet another example of how these agencies are allowed to control your financial information with no recourse. I have a very common name and have had several mistakes on my reports over the years. It is amazing to think that the consumer has to pay for their mistake. I also sent a complaint to annualfreecreditreport.com, however they are a government run agency, so they obviously have not intention of responding to the issue to resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Mortgage (Reverse mortgage) with JAMES B. NUTTER & COMPANY (LA).
Issue: Settlement process and costs

Complaint: A notery came to my home and lied straight through the hold thing. She assured me I could stay in home until time of my death. I was only XXXX then. We never did have couceling or I would never have signed off on the loan. And even Hud just passed the law that would allow me to stay in my home, XXXX XXXX XXXX HAS IT UP FOR AUCTION ON XXXX at XXXX .I called when I turned XXXX and XXXX XXXX XXXX XXXX me it would cost me XXXX to get on loan that if I waited until I was XXXX it would be cheaper, That was a lie. He wants me to come up with XXXX.I lost my husband on XX/XX/XXXX. I am now XXXX and no money, no home. So my advise to the old folks out there. beware. Do not listen to the lies they are telling people.We took the mortage in XX/XX/XXXX and he never did record it until Legale Aid who I thought was on my side but not so called him and and told him to go register the loan at the court house. which he did after all these years. 
XXXX XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: Unfortunately I do not have a scanner to send a copy of my existing paperwork, but I will try to describe my paperwork the best that I can. 
On XXXX XXXX, XXXX, I received a letter from XXXX Harris Bank ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) with the following information : " As you know, M & I and Harris joined to create BMO Harris Bank N.A . last year, but have operated on separate networks and systems as we work to complete the integration. At the close of of business on Friday, XXXX XXXX, XXXX, that process will culminate in the transition of your deposit account ( s ) and services to the shared BMO Harris system. '' On the back of this paperwork there is listed a BMO Harris Account Summary : IRA Growth Money Market ; ( last XXXX digits of account no. ) XXXX ; ( new name of account ) IRA Premium Savers. 
On XXXX XXXX, XXXX, I called BMO Harris Bank ( at telephone niumber XXXX ) to inquire about the account and was informed by XXXX ( customer service ) that the account has been closed. I asked, " When was it closed and who closed it. '' She said it was closed in XXXX and she was not sure who closed it. She put me on hold to find out more information for me. She came back to the phone and said that someone was researching it and she would call me back with an answer, probably before closing that day. 
XXXX called me back the next day, XXXX XXXX, XXXX, and left a voicemail that she was typing the information into my records on their computer and I could call back and speak with anyone who can pull up the information. I called back and talked with a lady who said that my account was closed before the M & I and Harris merger, and transferred to XXXX and that is all she knew. I asked, " what is XXXX? '' She said she did not know. I asked to speak with a manager, and she said they would tell me the same thing. I asked, again to speak with a manager and she put me on hold. I held for 20 minutes and hung up and called customer service again. I was told by another lady that the account was transferred to XXXX. I asked what is XXXX. At first she said that she did not know, then she put me on hold and came back and said that it was a bank.. I asked if they had a telephone number and address, and she said she did not know it. She said that I could look it up on the computer and that was all she knew.

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 05/22/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We have mortgage with Ditech Financial LLC.We got transferred from XXXX XXXX to Green Tree Servicing LLC on XXXX XXXX. On XXXX XXXX Green Tree Servicing LLC become Ditech Financial LLC. We did n't have any problem with this company until they offered to us Ditech Automatic Payment Agreement in XXXX, 2015. This agreement suppouse to start on XXXX XXXX. Before we sign this agreement we make sure that customer service representative understood that we ca n't have monthly recurring electronic debits from our checking account on Due Date ( on the XXXX of each month ), because my husband got his XXXX pension electronic deposit on the XXXX of each month. Customer service representative assure us that in this agreement we have second " alternative '' Debit Date for each month. And indeed we put alternative date of XXXX each month in assigned line in agreement. 
On XXXX 2015 electronic system triggered mortgage payment right on XXXX day of the moth and we did not have sufficient funds in the our checking account! After that our bank charge us XXXX fines : {$35.00} Bank Overdraft Charge, and {$9.00} ODP Primary ( CR ) Fee.Altogether : {$44.00}. 
We are low income senior citizens and every cent is important to us. We contacted this mortgage company many times, write letter with explanations and ask to pay {$44.00} back to us, because it was clearly their mistake or a lie! They send letter of refusal. That was our first unresolved dispute. 
XXXX is even more disturbing. 
All year of 2015 we had no cushion on our escrow account. We only paying yearly home insurance premiums on our escrow account, because we are low income seniors and XXXX XXXX give us real estate tax exemption every year for many years. We never had any problem with adjusting our escrow account for that before. Not with this company! First they put full amount of taxes on our escrow in addition to our home insurance amount, and then, after many attempts to contact by phone calls, faxes, and finally mail, they re-calculated our escrow account with significant cushion! It was explain to them over and over again, that we are low income, we never late for monthly payments and we ca n't afford pay XXXX more per month until XXXX 2015! We already pay {$200.00} more for XXXX 2015, because this company working very slow and in the process extracting as more money as they can! And they calculated cushion not from my real amount on my escrow account ( it is only my home insurance payment, not taxes ), but from inflated amount of taxes plus home insurance premium. What happen with only XXXX of escrow amount?! This behavior need to be stop!

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 01-03-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Delinquent account

Complaint: While employed by XXXX I used a company credit card for company business. I am no longer employed by them and have not been since XXXX of 2016? Bank of America is calling me every day about the company debt. I have spoken with them on the phone and I have written to them explaining I am not responsible for this debt to no avail they continue to call at least once every day.

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EdFinancial Services (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Date : XX/XX/XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Real Time Resolutions offered a settlement of {$10000.00} on a second mortgage and now they are backing down from their original offer. 
This home is in foreclosure and they are forcing me into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with RSI Enterprises, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RSI Enterprises contacted me to collect upon a debt that is ; a. invalid b. not within their rights to collect on upon asking RSI for verification via U.S. certified mail, I received a response that does not fit the burden of proof for such a debt. RSI at this time has continued their collection efforts on this invalid debt.

Company response to consumer: Closed with explanation