milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our home mortgage was sold to XXXX. They hired Seterus Inc. to service the loan. This year, Seterus began demanding money in excess of the required monthly payment under the loan documents. They threaten to foreclose if the extra amount is not paid, but we have not paid it. When I asked for an explanation they simply remained silent. I am an attorney. I believe they are demanding excess funds not authorized by the mortgage. They do nothing when we refuse to pay. This has been going on for about five months. The amounts they are demanding make no sense. They are different every month. I checked on the Internet, and they seem to be doing this to many other people. I believe it is a scheme to defraud people out of money they do not owe. There is other misconduct Seterus is committing. If you run a search on the Internet for Seterus Inc., these consumer complaints show up. I am certain I have not heard all of them yet. I can not believe this misconduct is occurring. I feel sure that the owner of the loan does not know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Auto) with Select Management Resources, LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 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: Information belongs to someone else

Complaint: I noticed seven accounts which were opened which are not mine on all three credit bureaus.

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 09-06-2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing The XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Midwest Recovery Systems does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, XXXX I mailed Experian a CERTIFIED LETTER indicating that my credit file needed correcting, and that the subject public judgement in favor of XXXX XXXX Bank, be removed from my report. All of the proper information regarding my file was included for their easy access and identification, along with my current picture ID for personal verification purposes. 

After six ( 6 ) weeks of no response, I wrote another CERTIFIED LETTER to Experian on XXXX XXXX, XXXX with the request that they automatically delete the subject file from my report, since they provided no response whatsoever, and whereas they obviously were unable to successfully dispute the matter as REQUIRED BY FEDERAL STATUTE within thirty ( 30 ) days of my notification. I also included my original letter along with another copy of my current ID. 

After not hearing from them after another two ( 2 ) week period, I CALLED them on XXXX XXXX, XXXX to once again, address this urgent issue. They told me they were still investigating the matter. I firmly insisted they had had enough time, and that if I did n't have a confirmation email that the filed had been corrected, and the Judgment deleted from my report by Monday XXXX XXXX, XXXX, I would file a formal complaint with your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The monthly payment for my mortgage suddenly increased dramatically ; making it impossible for me to keep making payments. The lender has not given me the chance to fix the default on my mortgage. It is like the bank rathers foreclose my home than pay my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: My friend sent me some money two days ago via Chase XXXX. But they have n't shown up in my account after two days. So I called chase with number XXXX. One of Chase CS told me money was returned to the sender. So I informed sender, he called Chase then, and the answer he got from Chase is money has not been returned to his account. So I called Chase with same number again, Chase CS put me on the line for more half an hour while checking with other team behind, but end up telling me to call another team tomorrow morning XXXX Eastern time with number XXXX to resolve the issue. They do think there is some problem with the money but still have no idea what is going on. OK, I understand investigation takes time. But I just can not believe money would disappear in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. ().
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My original complaint with CFPB was XXXX filed XX/XX/XXXX. Citibanks brush-off, incorrect and avoidance to address the issues reply was received XX/XX/XXXX. Below are my objections and refiling the original complaint in hope that this time the issues would be addresses. 
1. COMPLAINT ON UNEVEN INTEREST RATES ON SIMILAR ACCOUNTS : I originally mentioned 4 bank accounts as follows : XXXX, XXXX, XXXX and XXXX which have almost identical amount on deposit. In the Citibank reply, they addressed the only 3 of the above XXXX, XXXX, XXXX XXXX and added for confusion another account XXXX which DOESNT have the same deposit amount as the original mentioned 4 account. Furthermore, after checking accounts XXXX, XXXX and XXXX were originated in XX/XX/XXXX with an interest rate of 0.08 % rather than as pointed out INCORRECTLY by Citibank ( for XXXX XXXX and XXXX ) with interest rate of 0.15 %. Further to illustrate Citibanks confusion, account XXXX opened XX/XX/XXXX has a consistent interest rate of 0.12 % rather than as INCORRECTLY pointed out by Citibank 0.08 % interest. 
Citibank intentionally didnt address the issue of the differences between the interest rates and especially the Citigold relationship managers repeated FAILURE to adjust the 3 discriminated accounts interest rate. Furthermore, to confuse and justify the failure, the banks responder added an account ( XXXX ) which was not originally mentioned in my complaint as it didnt have the same amount balance. 
2. As far as the rejection of the wire transfer and fees charged, Citibank didnt address the specific issue WHY MORE THAN 15 IDENTICAL PREVIOUS WIRE TRANSFERS WERE PROCESSED WITHOUT A GLITCH AND THE ONE IN DISCUSSION WASNT. All previous wires have the same beneficiary as the one rejected. I expect a reply to the point. 
3. In addition to the original complaint ( 2 above points ), on XX/XX/XXXX I requested by phone the my IRA XXXX for filing my taxes. Citibank which maintains my IRA account FAILED again to post the XXXX on the bank website together with the XXXX which is posted each year. As the promise to e-mail the XXXX was not fulfilled, further phone calls led to the bank to finally e-mail me a XXXX. After checking it, I realized that this reflects an incorrect withdrawal and there should be an additional XXXX. Further phone calls and aggravations lead to a burden of 10 irrelevant faxes until I finally got the second XXXX. It is absurd that one has to invest so much time and keep checking the bank for accurately delivering what they are obliged by law all XXXX for accounts held by a banks customer

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 07-12-2015 about Debt collection (I do not know) with Real Time Resolutions, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Reporting to the Credit Bureau ( XXXX ) that my debt is paid in full, however its 120 plus days late. I 've contacted them XXXX times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on XXXX. This last time I contacted them, they simply sent me a letter that they had already sent me on XXXX XXXX. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court. This is costing me money because my interest rate is higher because of this. XXXX score is XXXX points less than my other XXXX scores and its all because of this erroneous reporting. They are breaking the law by reporting erroneous information according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I discovered that someone unknown to me opened a credit card acct with XXXX XXXX XXXX. They used my name and address of my business office, which I had vacated 2 years earlier due to retirement. 
I filed a credit fraud form with XXXX XXXX XXXX. They claimed that they checked and that this account was not fraudulent because they had a name and address on the account, which is not mine.The XXXX, but not XXXX  and XXXX, listed this fraudulent name and address as : XXXX XXXX, DOB XX/XX/XXXX and as the authorized user on this account. It further lists his address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. They claim that this account was opened XX/XX/XXXX, via the Internet at IP address XXXX, referencing e-mail, XXXX. 
The account was activated on XX/XX/XXXX from phone number XXXX. 

While my name is used with the last 4 digits of my SS number and my home phone and my old address XXXX XXXX XXXX XXXX, none of this is me and all of this info could have been easily found on line. 

I filed a police report and spoke with XXXX XXXX on the phone and by e-mail to no avail. 

XXXX XXXX sent a list of charges to this account : XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX in XXXX XXXX , FL XX/XX/XXXX {$2300.00} XXXX XXXX XXXX Acct. Balance. 

None of these charges are mine. I have never been to XXXX, FL and do not use XXXX, or XXXX XXXX or XXXX XXXX or the XXXX in XXXX, FL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Creditor, I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   that I do not recall authorizing. I 'm positive that I 've personally never applied for credit through your institution. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file.   I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.   Thanking you in advance,  XXXX   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 02/22/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with PNC which I am paying off. In the payoff statement they included a charge of {$390.00} for " Outstanding corporate advances ''??? When I called customer services, after 1 hr on the phone the representative could n't find any justification for this charges, then the supervisor joined the call and confirmed that THEY NEVER NOTIFIED MY OF ANY OUTSTANDING CHARGES, and that they have NO evidence of ever contacting me about any pending charges, she then said that they have the right to charge whatever they want because of the " language '' specified in the Security Deed, of which allows then to charge any miscellaneous charges they want, but she was not able to tell me where in the Security Deed says that nor to specified the referred charges. 
This is a typical abuse from Mortgage companies, that suddenly want to charge extra fees when I am paying off the mortgage. Very disgusting and unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Consumer Loan (Vehicle loan) with Automobile Acceptance Corporation (GA).
Issue: Managing the loan or lease

Complaint: I have been recently checking my credit reports and I have found that Automobile Acceptance has reported inaccurately among the XXXX credit bureaus, XXXX, XXXX, and XXXX. My credit reports show on XXXX as never been late for XX/XX/2016, but XXXX and XXXX show late. This information on XXXX and XXXX is being reported incorrectly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX my American express card was taken. On that day 18 transactions totaling around {$1800.00}. I ( contacted them on XX/XX/XXXX and the XX/XX/XXXX and they told me to go online and file a claim. I went onto the american express website and filed my claim that day and faxed over signed forms that they needed. They told me to wait ten business days for a credit. Now it is the 10th business day. XX/XX/XXXX and no one wants to give me an answer. They denied my claim and stated reason was " no error '' I 've been on hold over an hour ... no supervisor to speak with. They refuse to have the dispute team contact me or tell me any reason they came up with for no error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When we signed with XXXX XX/XX/XXXX going into XX/XX/XXXX I was XXXX and my mother was XXXX spoke minimal English, we were rushed through the whole process not aware of what we really got into. If I can not make a payment XXXX XXXX ( Navient ) will call my house 8 to 9 times a day, I have a XXXX father with XXXX XXXX and I have told them this before hundreds of times to stop, they call my cell phone 8 to 9 times a day, they call my mothers phone the same and have reached out to my family as well multiple times, I have spoken to them about my loan and how on almost 8 years I have been able to pay nothing. Forbearance was the only answer they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (I do not know) with RNN Group, Inc (CT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XX/XX/2018 the HR representative at my workplace notified me they received an employment verification request from a representative at RNNGroup. On the form they submitted to my company 's HR department they had the correct last four digits of my social security number. They also had the correct work location and correct email address for my work location 's HR representative.

They asked my employer to verify I was employed with them, if I was part time, full time or seasonal and for them to confirm the company name and address.

At no point did RNNGroup say this was in regards to a debt, but when I went on to their website, it certainly looks like a debt collection business - even though they don't say they are a debt collection company. When I spoke to the representative from RNNGroup, they told me I was on a recorded line. They also told me they couldn't divulge the client for whom they were seeking this information for - only their " executive team '' could do that. Their website says they do data collection, but it is all very vague.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
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: HSBC has had authorization for Direct Debit of my mortgage for the past 13 years. 

HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide. 

I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing. 

HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation. 

I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first. 

CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!

Company response to consumer: Closed with explanation