milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IN).
Issue: Struggling to pay mortgage

Complaint: I am filing a consumer complaint against my previous mortgage lender Citi-Mortgage ( CM ) for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. Somehow, my ex-wife XXXX XXXX. XXXX, was allowed to complete a loan modification without my permission nor signature in or around XX/XX/XXXX. As a result of this negligence of CM, it appears that because my home loan was allowed to be modified without my consent, the new servicer XXXX XXXX ( XXXX ) now refuses to discuss loss mitigation options with me and will only speak with the co-borrower of the loan which just so happens to be my ex-wife XXXX XXXX. XXXX. I feel that since CM, is still the owner of my loan it is their responsibility to correct the error. In fact CM, obtained a final judgement for foreclosure during the time that I was attempting to plead my case with XXXX, with regards to my rights to the home. First off, Ive provided copies of my recorded mortgage Note dated XX/XX/XXXX, in addition to this my name also appears on title for the property. See Exhibit A ( Mortgage Note dated XX/XX/XXXX ) Secondly, Ive sent copies of the Agreed Order from the divorce that was completed between XXXX XXXX. XXXX and myself dated XX/XX/XXXX, which clearly indicates that XXXX XXXX. XXXX has released all interest in the home and has no desire to be a part of the decision making process for loss mitigation nor any other subject matter relating to the property. This order releases all liability of XXXX XXXX. XXXX and appoints myself as the sole responsible party. See Exhibit B ( Agreed Order Divorce dated XX/XX/XXXX ) Furthermore, both CM and XXXX also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) CM and XXXX  have blocked me from the opportunity to satisfy the mortgage debt, instead XXXX and CM prefer to take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. )  Regulation X.

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 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have never been contacted by this group. The only reason I knew of debt was when I applied for a mortgage in XXXX 2015, and it had impacted my interest rate. XXXX XXXX XXXX XXXX re : bill, and asked for an invoice/bill, which I did n't receive. Paid debt anyway in hopes it would n't continue to negatively impact my credit. It is still being reported by XXXX credit agency XXXX, and not XXXX. When revieing the record it is still noted as unpaid although there is a XXXX balance. I believe this should be removed due to the fact that I was never made aware by XXXX, nor CBE of the debt in any manner ; therefore I was never able to pay the bill in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

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 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Management continues to attempt to collect a debt I do not owe for cable services. My cable bill is current and I owe no monies of any kind to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX XXXX/XXXX XXXX XXXX. While the account was not obtained the fraudulent application left an inquiry on the XXXX credit report dated XX/XX/XXXX. Synchrony was notified of this fraudulent activty via phone with XXXX XXXX and an official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX however a recent credit report from XXXX still has the fraudulent inquiry listed which is a violation of the FCRA.

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 01-06-2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Credit line increase/decrease

Complaint: I would like to file a complaint against Walmart I was issued a credit card with a {$500.00} limit and I had some financial issues and made a few late payments, and not the full amount, but always paid, then when I was all caught up and paying steadily on time they reduced my credit line without any notice at all so as I was paying down my balance they were taking it away which also affects my credit score when I called to ask about this with customer service they were very rude and basically said that what I get for paying late ... I would not only like to file a complaint but I 'd lilke my credit line to be returned to where it was when I started because i 'm still paying interest on the full credit line not my balance this is not right and Walmart should not be allowed to do this to people i 'm sure i 'm not the only one they have done this to ... 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Back in 2009 I filed for BK included XXXX XXXX XXXX my Morgage company at that time. After the BK cleared they still refused to take over the house. I have called and written to them asking them to stop postponing the foreclosure date and even tried the dead in lue. After that they sold my account to XXXX and then to NationStar Morgage. I have tried with all these companies to have them stop postponing the foreclosure date and the dead in lie. No luck. I have the HOA taking me to court for the last 2yrs. I have no income coming in. This has been more than 5yrs, why do they keep denying my dead in leu and keep stoping the foreclosure? I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I am contacting you in regards to a dispute between me and my financial institution. Me and XXXX XXXX were previously using a venue as our wedding venue. We have agreed to part ways in business and per XXXX who is the merchant and business owner, we had the deposit of XXXX refunded back to our debit card ending in XXXX minus a XXXX processing order fee equaling XXXX. My bank is requesting a receipt from that business or a confirmation that this refund is in regards the deposit of XXXX-XXXX processing fee= XXXX ( refunded back ), the original transaction from your venue to my card ending in XXXX was XXXX from XXXX XXXX XXXX XXXX done on XXXX/XXXX/15 and the method of payment was debit card. I have informed them that the merchant is refunding back the full deposit and that the XXXX was XXXX of XXXX payments equalling XXXX They are refusing to provide me my money back and have made it impossible for me to speak to a supervisor. My account was negative and it paid the negative balance back but they are not wanting to give me my money back. I have informed them that this money is vital to dfeed my children, and to take care of my daily life yet I am being treated like a criminal and not given realistic options even fter I have contacted the merchant. I am just looking to get my money back and I will no longer do business with this company after this

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 Debt collection (Credit card) with Global Credit & Collection Corporation (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX from Global Credit and Collection Corp. continually calls my employer, even after being told he can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XX/X/17 around XXXX I came through the drive thru line with my kids and tried to Cash a check on my account. The check was for {$450.00} my account has some $ 1,100+ already in it. I signed the check and put in my Drivers License with a Valid Government Issued Photo ID. ( I was refused service at the drive thru and was told I would have to come in despite having Valid ID, my debit card and the check ) At this point I had to park and get my XXXX XXXX to XXXX crying baby out of the car and carry my XXXX XXXX XXXX into the bank at their Convenince. I was once again refused service with my Valid Govenrnmenr issued Photo ID. When I requested the Policy pertaining to this Interal Banking Policy, as described by XXXX XXXX. She flat out ignored me. I then request this same policy be printed out from another Teller as was also ignored. Finally I called to what appeared to be a Manager and XXXX proceeded to argue with the Manager who then Walked away and I was once again ignored and refused the Policy print out of proof it even exists.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a debt from enhanced recovery for XXXX. 
I have never had an att account in my name. 
My mother had an account ; but, she is now in a XXXX XXXX with XXXX. 
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. 

I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. 

THIS IS NOT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

I gave XXXX  permission to run my credit XX/XX/XXXX not 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 05/18/2017 about Debt collection (Other debt) with Burton Neil & Associates, P.C. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In   XXXX   XXXX   XXXX    , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector   XXXX   XXXX  , who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  Burton Neil & Associates who claimed to be collecting for "   XXXX   XXXX   ''. Believin g "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with   XXXX   XXXX  . I have made payments for the last 8 months.     Yesterday, I received a letter from  Burton Neil claiming  that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my   XXXX   XXXX   account which showed that at this point the balance is {$4800.00}. I call ed Burton Neil who  claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot of   XXXX   XXXX   's portal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  Burton Neil.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: SLS unnecessarily delays payment website password resets requested from https : //www.servicingloans.com, a sub-site from XXXX This delay of hours can make the difference between an on-time payment and a late payment. The delay also encourages consumers to choose to make a payment via phone, or with a phone rep, both of which carry higher fees than processing online. 

Password reset requests on any other financial website I have used processes within minutes, not hours. I successfully requested a reset via XXXX at XXXX, central, today. It is now after XXXX, still no email. I have checked my spam folder, it 's not there either. I have experienced similar delays with password SLS password resets in the past.

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 04/28/2015 about Debt collection (Auto) with JPMORGAN CHASE & CO. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid dont owe need this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus Inc foreclosed on our home in XXXX XXXX and satisfied the entire balance owed in doing so. They continue to report a {$230000.00} open balance on XXXX for our credit report XXXX info below ) although a {$0.00} balance is reported XXXX. Because they continue to report this balance, a loan we are applying for on our present home is being denied XXXX until I can prove that the balance was liquidated at foreclosure by providing a copy of Setrus 's XXXX XXXX XXXX or a correction XXXX. Reporting XXXX is correct. I have waded thru interminable blocking phone menus and interminable CSR wait time to contact Seterus three times. The first time we spoke, XXXX XXXX, XXXX, they refused to talk to me at all because I had been represented by an attorney during the foreclosure. ( Note : this is consistent with their policy in mailing the XXXX in XXXX. They said they would and did only send it to my attorney, which caused significant delay in filing our taxes - he never received it. ), they said my attorney would have to call them XXXX at {$300.00} per hour ). The XXXX time I spoke to them, on XXXX XXXX, XXXX, they allowed that they would speak to me if I faxed a letter stating I was not represented by an attorney. I did so the same day. Today, they will speak to me, and have agreed to provide the XXXX within XXXX - 10 business days and correct the credit bureau report within tbd days. 

I am seeking XXXX action items:1. Faster response, as in today! I urgently need the XXXX or I will lose my application fee XXXX because the loan will not be completed on time. 
XXXX. Long term, their policy of not providing me tax forms, info and corrections to my loan without going through the attorney I used XXXX years ago is inane. Every other creditor, for example, provided XXXX directly to me even though they knew I was represented by an attorney. This should be changed at Seterus and across all lenders. 

Personal info is as follows : Seterus Loan Number : XXXXBorrowers XXXX and XXXX XXXX XXXX XXXX XXXX XXXX telephone and fax : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX balance of {$230000.00} reported to XXXX Credit Reporting Agency

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

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 non-monetary relief
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I had an account with regions i told them I didnt want to set up auto transfers and they did it anyway after i noticed it i canceled future transfers and now they transfered money from my checking to my savings and charged me a XXXX dollar fee and then went into my savings and took XXXX dollars out for a monthly maintnece fee this has to be illegal i understand the XXXX dollar fee and i would have to pay that each month but to charge my account for putting money from my checking that was XXXX cents into my savings all within the same bank and now my account is closed and i cant get an account due to this i am negative XXXX dollars and refuse to pay this for i didnt cause this and it is just a way for them to make money and i want this fixed and they offered me a settlement that still works in there favor taking XXXX dollars off the balance that isnt an offer or settlement and someone needs to do something about this bank they need to be shut down and given to another bank they are horrible 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 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After reviewing my Trans Union Credit Report, I noticed the there was XXXX account listed as XXXX XXXX Mortgage XXXX XXXX Showing a 30 day or more later payment. I called Trans Union to clarify this being XXXX XXXX Mortgage XXXX. 
I Have a mortgage with this company. I knew this information was incorrect because I pay my mortgage every month without fail on or before the XXXX of every month. I also knew that I could prove that this transaction takes place every month, because it is paid from my bank account. 
I then filed a dispute with both the credit bureau and XXXX XXXX XXXX, Providing both of them with my bank statements for the past 12 months showing my monthly payments without fail. 
One month later Trans Union sent me a copy of my credit report with the same information showing. I then called Trans Union to ask why it still showed a 30 day late payment and was told that Trans Union does not except bank statements as proof of payment and that the information would remain until XXXX XXXX made the correction. 
This negative reporting on my credit report has impacted my credit score greatly. It is unfair that Trans Union would except false reporting from a company, and then refuse proof of payment by the consumer. 
I ask that this be looked into further please.

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 non-monetary relief