milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX CA XXXX The short sale was started XXXX/XXXX/2016. An authorization and short sale package was submitted to Seterus. Seterus has been rejecting our authorization and would not explain to us the problem. I called in again today on a conference call with the homeowner, and found out that Seterus added an attorney as authorized third party. The homeowner then requested that the attorney be removed as an authorized third party, as he was no longer working with them. The rep we spoke to, XXXX stated that the homeowner does not have the authority to remove the attorney as an authorized third party. She stated that the attorney is the only one that can remove themselves as an authorized third party. 

At this point it is important to note that the attorney was not authorized on the account as part of a bankruptcy or any legal action of any kind. 

So, basically, the Seterus rep, XXXX, stated that the homeowner does not have the legal authority and ability to remove the attorney as an authorized third party from their own account. 

... .. SERIOUSLY? 

... .... WHEN DID THE HOMEOWNER LOSE RIGHTS ON THEIR OWN ACCOUNT? 

Seterus will add ANY attorney to ANY of their clients ' accounts as an authorized third party and further damage their own client by giving that attorney COMPLETE AUTHORITY on the account. Seterus is giving an attorney the power to supersede ANYTHING the homeowner says, and the attorney can basically do whatever they want with the homeowners financial and mortgage obligations and the HOMEOWNER has NO SAY WHATSOEVER ON HIS OWN ACCOUNT. 

HOW CAN THAT POSSIBLY BE LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: This is the email I sent to them. 

I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Other

Complaint: In XXXX XXXX, I enrolled in XXXX XXXX XXXX. In XXXX XXXX, Chase followed their policy and charged off my account in XXXX XXXX. In XXXX XXXX, I received XXXX XXXX 's from Chase canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all XXXX credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Indentifiable Event Code ( Box XXXX ) listed on the XXXX, Chase has marked a code of " XXXX '' Instructions for filling out a XXXX states the following : Code G -- Decision or policy to discontinue collection. Code XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but Chase says I still owe the monies for these cards. Based upon the Identifiable Event Code, Chase has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Delinquent account

Complaint: Citi calls me a minimum of three times a day, every single day. This includes weekends. I have told them that I will pay on a certain date, but they still call. They will call as early as XXXX to XXXX. I work a different schedule than most and it affects my sleep. I now have my ringtone on silent. I do not answer my phone anymore. I 've told those close to me to send me a text message and I will call them right back because I am now having XXXX. Often when I have talked to them, I will tell them my situation and say I ca n't pay anything right now and am often negative in my checking account, legitimately. Then will say they understand, but ask if I can make a certain payment amount that is still high. I then have to repeat, I can barely feed myself and am borrowing money from other people.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had numerous problems with TransUnion and their failure to fix items on my credit report when I have requested. Today I got an alert from my credit monitoring showing that an account appeared on my credit report, not unusual because I had opened an account. The unusual part was that this account had reported on all  XXXX  credit bureaus, but TransUnion failed to report it correctly, thus my credit score with TransUnion plummeted over a  XXXX  points. TransUnion is the only company that is reporting this account incorrectly. They are reporting it as credit card debt and not as an installment debt, thus negatively impacting my score. Additionally, transunion has been the only company that has failed to respond to my fraud dispute, they have failed to remove inquiries that should not be on my credit report, and remain the most difficult credit bureau to deal with. Their inaccurate reporting has now prevented me from applying for a purchase of my home until they fix this problem. All I want them to do is to report my business loan accurately, so I am not negatively affected for no apparent reason.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My credit score dropped tremendously due to inaccurate information. Again, Experian along with the other credit reports states they have no record of a Mortgage Company on file. We did a refi on the house in which  our new Loan is serviced by XXXX XXXX. As well we have eliminated some other debt as well. My credit score dropped almost 100 points due to inaccurate information. This needs to be corrected ASAP. These companies need to post the accurate information, not something that is totally false.

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 11-04-2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not have an account with Wells Fargo. However when we moved into our new house 21 months ago, they started calling my new home phone number several times a week. They do not leave a message, and if I answer they hang up on me. I have tried to contact customer service regarding this, but get a message that they can not take my call because of high call volume.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2017 about Vehicle loan or lease (Lease) with U.S. BANCORP (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XXXX XXXX XXXX, As Servicer XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom it May Concern, I am in receipt of US Banks Demand Notice dated XXXX XXXX XXXX. US Bank claims that {$550.00} is owed and you threaten legal remedies if payment is not made. 
I understand that the money is for traffic tickets and surcharges. These charges were only made after the lease was finished. 
As I have stated before, in written correspondence, all tickets that I received were paid promptly. The tickets were first sent to US Bank and then forwarded to me by US Bank. I repeat, all tickets that were forwarded to me were paid promptly. US bank certainly did not get a second notice as the tickets were paid promptly. At no time was I informed that a ticket was unpaid. 
At this point, US Bank is unjustly and in a threatening manner trying to extort money. Please stop this harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I HAVE NUMBER ATTEMPTS CONTACTED CHASE CREDIT CREDIT CARD XXXX IN REGARDS TO ACCT : ******************* THAT IT IS NOT REPORTING TO MY CREDIT AGENCY : IT DOES NOT SHOW ON EITHER OF THE CREDIT AGENCY. I CONTACT NUMBER OF TIMES AND THEY STATED I FILED A DISPUTE TO TAKE IT OFF MY CREDIT REPORT : THEY ARE INCORRECT, FOR WHAT EARTHLY IDEA I WOULD STATE THAT AND WHEN. I HAVE XXXX ACCOUNTS WITH CHASE BANK SINCE 2012 AND PAID AS AGREED AND NEVER LATE, WHY WOULD I WANT TO DELETE FROM MY CREDIT REPORT. I WOULD LIKE FOR CHASE BANK TO PROVIDE A WRITTEN LETTER HEAD SIGN BY ME WITH MY ID TO REQUEST FOR THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The company responded that they will not respond to this complaint because they feel I am not the consumer - Complaint ( XXXX ) The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf.. 

I am the consumer submitting this on my own behalf and not the behalf of a credit repair company. I have reached out to TU via phone and written letter with proof and they have still not responded or deleted the incorrect information on my report. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. 

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. All in all, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' This law is as clear to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :

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 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Bank of America Credit Card Services has on multiple occasions in one year charged {$1.00} interest on a XXXX balance. I have continued to call multiple times, each time they remove the fee and apologize for inconvenience, but yet do the same thing each time I have paid a balance and have a XXXX balance. Bank of America is deliberately charging customers {$1.00} on XXXX balance, is aware of the issue, but does nothing until a customer calls in and complains.

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 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/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 05-03-2016 about Debt collection (I do not know) with NRA Group, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX a letter and repeated phone calls from NRA Group , LLC. I gave them a courtesy call after the letter to explain they have the wrong person. They indicated they would take me off the list. Since I have received at least XXXX additional calls. I consider this harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Rewards

Complaint: Bank of America closed my Travel Rewards c ard 2 months after I opened it without any reason and without any notice. I had  XXXX  points on this card that I earned from bank bonus and from my spending. They confiscated all my points and refused to compensate me for their val ue ( {$350.00} ). I c onsider this a robbery and would like to get my points in form of check.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 07/24/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX : XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo has repeatedly called and ask for debt assistance. This disclaimer can also be layed down to FDIC for further comment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Consumer Relations : The reason for me filing this complaint is due to Equifax failing to update my credit report after sending them a copy of my social security card, Louisiana indentification card and XXXX credit report to open a dispute. In my dispute filed XXXX XXXX, 2016, I requeted information to be added that is missing. It 's been 15 days and I not received any confirmation from them of my inatial complaint and that an investigation has started. I am requesting that your agency nvestigate the issues within my complaint.

Company response to consumer: Closed with explanation