milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification since XXXX XXXX. Half a year later they gave me a trial modification and that in XXXX of XXXX I would get the loan modification. But after making all my payments on time, they told me in XXXX I would have to re-apply again for a loan modification. Since then, they have not completing my loan modification. They continually ask for the same paper work, over and over again. Now it is XXXX of XXXX. I have not giving up, but I do n't know what to do to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Credit reporting () with Innovis (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a record on my report and asked that in the verification they include how the item was verified, the name of the person that verified the item, etc. This was done twice and both times the information was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with CLX Systems/ Westwood Management (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company " clx systems '' seems like a fake company. Their website has a phone number, XXXX area code, that is disconnected. I tried a second number, XXXX, that is an automated system that just bounced me back and forth trying to sell me different products. I 'm starting to think this company is not real. All i want to do is pay the debt so it can be removed from my credit report but there is no way to get a hold of this " clx systems '' collection agency.

Company response to consumer: Untimely response
Consumer complaint received 10/28/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I went through a mortgage broker after I closed my house I was told Freedom Mortgage was to be my new lender. As part of the closing of the house, my flood insurance was prepaid for XXXX years, home insurance for XXXX year, and property taxes paid for the quarter. This information was enclosed from a letter, fax, and telephone from myself and my insurance provider. They misbilled my escrow for an entire year. I spent dozens of phone calls, emails, ect which is more of an incompetence and customer services issue. So after the required XXXX year period I asked to be removed from escrow and was denied. I just got a letter XXXX weeks before my payment is due that my loan payment increased by over XXXX XXXX to combat an increase in my flood insurance for the year. I immediately called to correct them and it was taken care of. XXXX weeks after my XXXX XXXX payment I was contacted by collections saying I had missed my payment. Of course I check my bank statement and there it is. I call again and start the process all over. My new payment is due, my credit is in ruins, and I have been bounced from deptartment to department without settlement. First off a XXXX XXXX increase in a mortgage payment is criminal and should have raised eyebrows, but now i dont know how to fix it because obviously no one in the company is helping me. I cant make my payments, i cant send more evidence of prepayment. My taxes are unchanged and my homeowners insurance increased by XXXX dollars for the year.

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 03/18/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a credit card with Chase Bank. My credit limit is {$7500.00}. As a courtesy, they paid and item that caused my account balance to be {$7500.00}. They have submitted to all three credit reporting bureaus that I am " over my credit limit '' which has caused damage to my credit score with all three credit bureaus. Yet what they did was a " courtesy, '' rather than decline a transaction, even though my credit limit was only {$7500.00}, they decided on their own to give me a little extra credit. I was not consulted on their decision. But this damages my credit score. 

I just called a credit counselor who has been assisting me with keeping my credit clean and he told me that Chase 's " negative report '' has caused my credit score to drop 30 points or more. 

I have a loan pending with a bank, and now my bank is giving me grief. 

The fact is, with my Chase card, I pay my statement in full each month by the due date. Yet Chase has made this negative report on me. My entire credit report shows that I pay all of my bills on time each month, and this is the only negative item on my credit report. My credit score with TransUnion dropped from about XXXX to about XXXX over the last month. 

I contacted Chase Bank and they admitted that this is a fluke in their system, where they will only do credit reporting one time a month and the day they reported it, my balance was {$7500.00}, due to their courtesy of paying an item that caused my balance to exceed the credit limit. I asked them to remove the negative item and they declined. 

The result is that my credit score is being damaged, solely by their actions, and not by anything I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Credit card fraudly opened up with diffrent address and phone number even though info was different still opened account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (TX).
Issue: Trouble during payment process

Complaint: Our house experienced flooding from Hurricane Harvey on XXXX/XXXX/XXXX. We obtained our insurance proceeds from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$250000.00} based on the estimate of flood damages. The check was made payable to us and the mortgage servicer, Huntington National Bank. We understand that the Mortgagor, XXXX XXXX wants people to repair their homes and not walk away from the flood damaged homes by allowing the homes to go back to the Mortgagor, XXXX XXXX via the foreclosure process. However we did not expect the mortgage servicer, Huntington National Bank to  hold funds and make it difficult to get inspections on the status of the home so that funds can be released to the builder who is putting the home back in its original condition. We have filed several complaints including one open complaint with XXXX XXXX Case # XXXX regarding the issue of Huntington National Bank not setting up inspections timely and allowing the builder to go unpaid. How bad is it? I have spoken to Huntington National Bank on  several occasions including XXXX XXXX in their property damage department to try and schedule timely inspections. Now I have been assigned to one of Hunting National Banks corporate officers, XXXX XXXX ( XXXX XXXX XXXX to specifically address the situation based on complaints filed. I have informed XXXX the house would be complete by XXXX/XXXX/XXXX and we needed to have weekly inspections so we could have the builder paid to avoid the filing of a lien and the work being stopped for lack of payment. Luckily the builder was convinced he would be paid so he has continued working. However the home is complete and we only have approximately XXXX of the XXXX in insurance proceeds that is due to us and the builder for re-construction. This is not how the process is supposed to work. We can not be that far off the inspection process to assume the home is only 50 % complete when in fact it is now finished. I feel like this is gross negligence by the service provider on the handling of the fiduciary funds held in escrow. We are now in the process of hiring an attorney to sue the mortgage service provider, Huntington National Bank for breach of fiduciary duty. This is completely uncalled for and not what the intent of the avoidance of the foreclosure process was intended for. We have suffered undue anguish from having to worry about whether the builder was going to complete the home since he has not be paid for the work timely and how we would come up with additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Advertising and marketing

Complaint: I came across an offer for Capital One 's XXXX Rewards Credits, and its terms were simple : {$0.00} annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time {$100.00} cash bonus after spending {$500.00} on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my {$100.00} cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' XXXX : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* XXXX : " That promotion is for a VISA card, but I can give you {$10.00}. '' XXXX : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* XXXX : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' XXXX : " No, I have n't. This is my first rewards card. '' XXXX : " It 's actually because we sometimes do n't extend the offer to already existing Capital One account holders. '' XXXX : " Sometimes? Is there set criteria that I can check my application against? '' XXXX : '' I do n't know. '' This is just awful business. They have a promotion for a card where XXXX of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the {$100.00} into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. 
This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " {$0.00} annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted hardship packet to Flagstar on XXXX/XXXX/15 thru a HUD approved housing counselingageny XXXX. I received an acknowledgement of receipt of my hardship packet and a misisng document letter dated XXXX/XXXX/15. It indicated my lender ( Flagstar ) required updated pay stubs and 6 months of the most recent business bank statements for all accounts evidencing continuation of a business. I responded to the lender thru my housing counselor via fax with updated pay stubs on XXXX/XXXX/15. Also on the same day, my counselor confirmed with a lender representative verbally that the authorization submitted with the hardship packet had been received and advised the representative that the request for 6 months of business bank statements was invalid because I did not have a business nor did any of the documents or the hardship packet submitted indicate that I had a business. A letter was forwarded to the lender on XXXX/XXXX/15 indicating the same. I received a second request for the business bank statements dated XXXX/XXXX/15. My counselor contacted Flagstar on XXXX/XXXX/15 to follow up and was advised that they had no authorization in place. My counselor then re-faxed the authorization ( same day ). My counselor contacted Flagstar on XXXX and was advised that Flagstar still wanted 6 months of business bank statements. The representative told my counselor that my case would be closed due to non receipt of the business bank statements. My counselor advised the lender rep that a letter had been sent and the point of contact assigned to my case XX/XX/XXXX had been notified that their was an error with this request because I did not have a business and therefore could not provide the statements requested. She also asked the lender rep to bring this to the attention of both intake and underwriting so they would review the initial hardship packet again to confirm these documents were not needed. She then faxed a second letter to the lender advising I did not have a business and could not provide business bank statements on XXXX/XXXX/15 and XX/XX/XXXX15.. On XXXX/XXXX/15 my counselor contacted Flagstar and was told that my case had been closed due to non receipt of the business bank statements. She again explained that I did not have a business so could not provide the statements requested and asked that my case be reopened. The lender rep advised her that my case would go in review to determine if they would reopen and to requested my counselor call back the following day. My counselor called on XXXX/XXXX/15 and was advised that the case was again in review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have account in collection that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX XXXX, XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX XXXX, XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX XXXX, XXXX. and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX I was scheduled to close on a home and when the title company pulled a New Mexico public record I was informed of a judgement against me in the XXXX judicial court of NM from Wells Fargo for a credit card opened in XX/XX/XXXX. I Immediately called Wells Fargo to let them know this was not my debt and asked how can I get this resolved since I was supposed to be closing on a home and had already given notice on our current residence. Under direct pressure I asked if they would accept {$1600.00} so I could close on my home and I was given a settlement of {$2900.00} to have the judgement removed. This was far beyond my financial resources especially for a Fraudulant account. I immediately filed a police report. Since then I have spoken to numerous people and the attorney for wellsfargo and have had no help with this matter. We have now lost the house and have been put in a unbelievably dire situation

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