milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Settlement process and costs

Complaint: Seterus Inc. using deceitful tactics to get an extra payment on my mortgage. 
I am trying to sell my house. The title company sent a document for me to sign requesting Seterus company ( XXXX mortgage ) and XXXX ( XXXX mortgage ) to release payoff documentation on XXXX XXXX. XXXX XXXX sent the information within a day. Seterus company sent a confirmation that they received the document. The Title company never received the payoff document. 
We called today as we had not received anything and were told they had to confirm with me because it was not clear and the form did not have the word " release '' ( the form I used said " furnish the title company with the pay off quote '' ). Bottom line, it would take 2 weeks from today ( 10 business days ) to receive this document. That means my closing will be delayed 3 weeks and at that point a new mortgage payment will be added. 
I called in the afternoon to request a payoff sent to me so at least the title company can start working with the numbers and I was told I was not " eligible '' for a payoff request (??? ). I requested to speak with a supervisor and I was yelled at saying what part of no I did not understand and that a supervisor would tell me the same thing.. I was put on hold and then she hung up. I called again and was told the pay off request for the title company had been cancelled ( I assume the representative that yelled at me did it out of spite ). Thankfully the new representative XXXX XXXX was very kind and put it in the system again to order the payoff. Now it remains to be seen if I get one or not. 
I would also like to let you know that the last 2 years they have failed to pay the homeowners insurance on time, had the policy cancelled on me, and both times my policy went up because of it ... money that Seterus made me pay by increasing my monthly payment to cover the escrow deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am a XXXX father struggling to correct my credit profile. I recently paid XXXX accounts in collections, and opened XXXX new credit card accounts for the XXXX time in years. My credit was that bad. Experian and XXXX worked with me and helped out huge, from deleting items that were not supposed to be on my reports, to getting back to me in a more than timely manner on other matters. EQUIFAX on the other hand, is doing the opposite. I 'm trying to remove a credit inquiry that XXXX XXXX inquired XXXX on me ( XXXX in XXXX days ), and since they are the same type and close in date, they should be deleted. Only EQUIFAX REFUSED TO DO SO. The other XXXX agencies did it on the phone, right then and there with a single additional question. They knew it should n't of been there. EQUIFAX, who I have called XXXX times in 2 weeks, speaking with XXXX people, say they are not removing it. This is absurd. How are these people in charge of our credit scores and reports??? I really need help with this, and little as it may sound to some, it is important to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with SOUTHERN MANAGEMENT CORP. (AL).
Issue: Struggling to pay your loan

Complaint: I obtained a pa yday loan through Quick Credit in   XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my  XXXX  children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single  payment a month fit for my income, and they will take th e 1st payment   XXXX   XXXX   2017, Quick Credit has called my phone, my job, friends and family relentlessly!!   They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior  to  XX/XX/XXXX , stating they  will pay them   XXXX   XXXX   monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do!  XXXX   XXXX   XXXX  the debt consolidation place referred me to reporting them here!

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 08-11-2016 about Debt collection (Payday loan) with Western Collection Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am being contacted by Western who represents XXXX XXXX XXXX. They Have placed a complaint against me for a electronic check stating they never received the funds of {$400.00}. They have a Specific IP address, with my Email, bank account ending in a different number and, Address. 
They wont disclose the dates. I can tell you that during that Time I did n't have a Bank account ending in XXXX, my bank account ends in specific numbers that I can prove while I was living at that address. Also that Email they had was never used because I canceled their service after one week due to billing issues. I have no way to pull that account up because I did n't have that long enough to prove it. Being a XXXX veteran I do n't need this harassment, I have seen this Company XXXX XXXX XXXX with numerous complaints for fraud against payday loans stating people took them out when they did n't just to get money from them. They are the ones that stole my information, it is obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TD BANK US HOLDING COMPANY (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have file two offer complaints with Experian for not updating or removing account base on letterhead from child support asking them to remove any delinquency and account is up today {$0.00} balance. Compliant # 1 : XXXX on XXXX/XXXX/XXXX, Compliant # 2 : XXXX On XXXX/XXXX/XXXX. They remove delinquency but they still reporting a balance of {$180.00}. I file a complaint with XXXX and they updated account right away XXXX XXXX/XXXX/XXXX. There was no need for me to take any further action with XXXX they followed legal document sign and dated by Child support. Experian rather still report and remove what they feel like regardless what creditor who reported in the first place is asking to report or update with a letterhead. I also make a complaint with Attorney General, and XXXX letting them know what my experience with Experian as been very disrespectful. I attached a copy of the why Experian is reporting my account after they clearly know and contact child support and still showing a balance of {$180.00}. I attached a new letterhead from child support with Supervisor Signature stating the account as XXXX balance and do not report or remove any delinquency from this account. I attached XXXX Compliant and Attorney General complaint that Experian has to legally respond too. I should not have to go through all of this if Experian follows Letterheads from Creditors. If they still feel the need to get more information from the creditor do n't do it at the consumer expense they have more to lose. 30 to 60 days should apply to account that has no proof from 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 explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive filled a complaint with this company before. The account doesnt belong to me. They previously presented a payment history that Im unaware of. They also have reported inaccurate information with has ruined my credit profile. Ive attached the reporting documents. The account open dates are all different and they have continued to leave this unknown account ; OPEN on my credit profile.Ive contacted the company and theyre unable to provide documentation to prove my identity.PLEASE REMOVE THIS ACCOUNT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (KS).
Issue: Managing the loan or lease

Complaint: I bought a merchandise using " Amazon Store Card ''. Its essentially a line of credit extended through Synchrony Bank. Like many other consumers Amazon lured me by offering an interest free period. However, a few weeks later I received a letter confirming my enrollment in the XXXX XXXX XXXX that charges {$1.00} for every {$100.00} in balance per month. I HAD NEVER SIGNED UP FOR THIS SERVICE and AMAZON and or Synchrony decided to sign me up without my explicit and written consent. 
I have been an amazon customer for 15 years and an amazon prime for over 8 - its rather unusual and flabbergasting to see amazon practice such tactics to nickel and dime their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: We had a XXXX loan with a company called " Greentree '' XX/XX/XXXX. This was sold by XXXX XXXX XXXX. Due to fraud and misrepresentation of this bank, we were forced to request for loan modification. As the result the Greentree froze the account and kept the balance to {$100000.00} Subsequently, on XX/XX/XXXX we sold the property and paid of all the loans in full in a escow account. Now, we have been trying to re-finance our current property and again, a company called, " Ditech Financial LLC '' which is the same company as Greentree fraudulently reporting a {$150000.00} second mortgage to credit agencies. In addition, this company sold the account to another company called " XXXX '' and added another negative item in our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.

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 11/19/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Transaction issue

Complaint: I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid

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 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with First Credit Services Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i was recently a member of a health club at the beginning of the year, after that i became ill and was not able to use the membership, i contacted them and told them what was going on and i wouldnt be able to utilize my membership. they were rude about the whole situation. i called corporate and they were even worse, telling me it wasnt there fault that i became ill ( which i never argued that it was ) also there was nothing they could do about. i mean if im sick and cant utilize the membership and wasent at the time i should have not been charged for something. so iv recieved phone calls nearly everyday about how im going to be taken to court if i didnt clear the debt and for some thats really scary, i have kids so knowing or feeling like any day i could be served all because i could not keep a membership with a gym is kind of crazy and receiving threaten phone calls is beyond me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Shopping for a loan or lease

Complaint: I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Other mortgage) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My brother and a friend bought a small building in XXXX and took out a XXXX loan from TD Bank several years ago. 

The partnership went downhill after my brother learned that his partner was not paying his half of the mortgage. Loan payments stopped and TD Bank started foreclosure. 

My brother and his partner negotiated their interests in the building. My brother contacted TD Bank directly to repay the loan but was told to deal with the bank 's outside lawyer. Negotiations and court appearances were held to get out of foreclosure. The bank 's lawyer wanted compensation of {$100000.00} for legal fees. 

By XX/XX/XXXX, the amount to be repaid was agreed and negotiations for legal fees were finalizing. Funds were sitting in an escrow account waiting to be sent to TD Bank. A few months later my brother XXXX unexpectedly. The Estate 's attorney made clear that the Estate ( and myself ) would abide by the agreement and were eager to get the building back because that 's what my brother wanted. The Estate continued and still continues to pay all property taxes, utilities, and maintenance. 

In XX/XX/XXXX, our lawyer found out that TD Bank sold the note to a private party at a discount to what we had agreed to pay. We were never formally notified. The note buyer said that the TD Bank loan officer told him that the note was being sold because we did not have the money to pay it back. That is not true. Why were we shut out when we had a pending agreement with TD Bank? Why were we paying upkeep of the building if we were not serious about the agreement? 

This has been a horrific year for me, made worse being dragged through this foreclosure process. Our lawyer has been very frustrated ; he is not sure his communication and offers to the bank went past the bank 's outside counsel. And just this morning I heard that the note buyer wants XXXX what was owed the bank if I want to buy it. 

I would appreciate your help in investigating the handling of this foreclosure. Why was a note ( and the building ) sold at a discount when there was an owner ready to pay more? Was something done illegally and against proper banking procedure?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Fraud or scam

Complaint: I was in the middle of purchasing a house when I received a communication from my agent to wire down payment for a quick closing. Well, I did not know he got hacked and it was a scam. I transferred money from my XXXX account to an account in bank of America. After I was notified that I was scammed by bank of America ( apparently they already knew there was something wrong with that account and did not do anything about it ) I requested information when I was notified that I will not receive it and I have to report it. I opened a police case, FBI case and my XXXX XXXX requested a recall. 40 days is passed and basically everyone including FBI is telling me that they have no power over bank of America to get even the slightest information. I am sitting ducks here and no one is giving me any information about XXXX dollars that is now disappeared in the name of protecting the privacy of obviously scammers. Good to know that as tax payers we have no rights. More importantly, even government agencies have no power to get answers from these banks. I guess everyone is giving me the answer that I should spend more money on lawyers to get some answers.

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 01/16/2017 about Mortgage (Other mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold effective XX/XX/2016 to LoanCare, XXXX in XXXX, VA. Part of my monthly payment is Escrow for Property Taxes, when I purchased I signed a paper stating I wanted my Property Tax check sent to me in XX/XX/XXXX! It is XX/XX/XXXX and my taxes have not been paid! I have called the company 20 times in past three weeks and get hung up on or told the tax department has no phone and a request will be sent by email with no results! I have emailed & mailed a letter - no response! HELP!

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