milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Trouble during payment process

Complaint: Despite years attempting to correct the situation and filing many complaints, Seterus, Inc has continued to move forward foreclosure and has damaged my credit to almost irreversible levels since XXXX. The constant harassment has caused me serious health issues and inXX/XX/XXXX, XXXX XXXX clinically diagnosed me with XXXX. Seterus continues with the same scheme to defraud mortgage owners by charging them for insurance they already own, and making the insurance part of the mortgage payment, then alter fix rate mortgage like mine to collect not only the fraudulent insurance money but also late charges the company incurs to costumers. Seterus, Inc has partnered with XXXX XXXX, a service provider to Seterus, Inc who supposedly contact costumers like me to request insurance proof, but truly costumers do n't get noticed from XXXX XXXX, until after the fraudulent insurance has been " purchased '' by Seterus on behalf of the mortgage owner. I requested XXXX XXXX and Seterus, Inc to issue proof of the original insurance request I supposedly receive on XXXX, but I never received anything from either company. In XXXX, I started to get letters from the lenders, Seterus that I was late on payments, I check my bank account and I corroborated all payments were made on time, I contact the company via phone to get an understanding of the late changes and changes of my account but customer service over the phone was unable to explain what was going on with my account. I finally got fed up with the lack of explanation from Seterus and I filed a complaint with CFPB. Finally, in the response from Seterus to CFPB, I understood what the claim was, but I was still not clear due that I never received an official request of the master insurance from either Seterus or XXXX XXXX, and despite many requests to Seterus to issue proof of the original insurance request which supposedly was sent to me on XXXX I never got evidence of the same. I submitted the master insurance to Seterus, Inc,  and XXXX XXXX, on On XX/XX/XXXX, via mail and fax, almost four months later I received a letter from XXXX XXXX, requesting the insurance, when I point out that on a previous response via CFPB, Seterus acknowledge the undeniable submission. Until today my account has not be corrected, almost three years and this company continue the scheme. An early complaint to the NY Attorney General has put me in contact with the FBI and FTC who now request CFPB to submit all records of my past complaints about Seterus and its scheme directly to the investigator. So please see the attached request and direct me on how can I submit all past complaints regarding Seterus to the investigator.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with MOHELA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: During this time from XX/XX/XXXX-XX/XX/XXXX, Mohela at some point lended me money to pay forcollege, and when I called them to file for the amount on my loan before it was transferred to XXXX ( i did n't know ), the number went to a different lender and said Mohela at that time did n't have any records of me, and were shut down for fraudulent handling. So I was stuck with the amount, and could n't trace it back. I complained to Ombudsman 3-4 years ago, and they could n't help me, so I felt abandoned and closed my compliant. So if someone can please help me, I would appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN is claiming that my account is severely delinquent when it is not. They decided to put me in escrow recently, even though I have always paid my own homeowners insurance on time and in full each month, I have paid my own real estate taxes, and my mortgage payments were current. I have made multiple phone calls to OCWEN to resolve this, and each time I have spoken with someone who does not understand me ( does not speak clear English ) and is unwilling to help me with this loan. I have requested to speak to a supervisor, to which I am told I can not. My loan payments have suffered because of being charged for the escrow ( which is double my monthly mortgage payment ) and I have accrued multiple additional fees from OCWEN as a result. This happened last year as well, and I thought the issue was resolved. I am currently being told my mortgage is excessively delinquent due to the escrow and fees being charges by OCWEN. I am requested the escrow be removed from my account, so that I can go back to making these payments myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said tha t one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court.  The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

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 04-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed a complaint ( Number : XXXX ) with thd cfpb on XX/XX/18 regarding two collections accounts being placed on my credit report on in the amount of {$500.00} each by Commonwealth Financial Systems.

Commonwealth Financial responded to this complaint on XX/XX/18 stating that they would remove the collections account from all the reports of all three major credit bureaus. However, the company has failed to honor their statements made to the cfpb. As of today, the two collections accounts for {$500.00} each STILL remain on my credit report. 

Furthermore, the company sent the initial debt collection letters to me on a letter dated XX/XX/18. One day later, XX/XX/18 this company added these collection accounts to my credit reports. I had not even received their initial debt collection letter before they put these collection accounts on my report. They did not allow me the opportunity to even dispute the debts in writing prior to adding these negative remarks to my account. These debts do not belong to me. I have since disputed these accounts that do not belong to me in writing. 
The company has in return sent me an itemized statement created by them showing these debts that I do not owe. The itemized statement did not come from the alleged original debtor ( XXXX XXXX XXXX ). I request a full investigation into this company as well as their predatory debt collection tactics. I have contacted XXXX XXXX XXXX directly in person and they do NOT have record record of these debts that Commonewealth states that I owe. I am very concerned about this company and would a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: Hi My name is XXXX I have a pre-paid debit card with Netspend.and I had been issued a refund from a cheer uniform company due to the fact that they had sent me the wrong size kit so my cheerleader 's uniforms were mad wrong. after several talks with the merchant they found out that they did send me the wrong size kit. so they decided to issue me half for the tops. well the money was sent to my Netspend card. which I had no Idea that they would put a hold on the funds and not issue to me. after sending serveral documents, after speaking with the Merchant they still refuse to send or release the funds, They did not warn me or tell me that they could do or that it was their policy. the amount that they are holding is XXXX, XXXX They are saying the only way that they would release the funds or mail the check back to the merchant is that they would have to have a XXXX letter. Well the XXXX letter was e-mail now the fraud department at netspend said that they have to have the physical letter. I have called the XXXX, I have filed with the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: went to use my Chase/XXXX credit card and found out the limit was cut without any prior notice. I have two credit cards with Chase and have never missed a payment in over 7 years since the inception and on one of the cards I pay the balance monthly and do not carry a balance. On the other card - I carry a balance that is about 60 % of the limit and always on time as I mentioned and now they cut the credit limit to the balance I owe, which will now hurt my credit score as it appears I am using 100 % of my limit and jeopardizing my whole credit situation/profile as I can not pay that debt in full or down to an acceptable limit and the 'lending department ' had no clear answer and I have to call back repeatedly. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (PR).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I have tried to cimunicar with the accrediting agency and they do not answer me. I 've never had accounts with this bank. Do not let me have opportunities with other banks

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 09/18/2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX I submitted a dispute on my credit file, but the company insists that the debt is mine. 
I have requested that Contract Callers verify the debt twice, but they only send me a printed screen shot of their billing system. I have advised Contract Callers that I did not live at the address during the billing dates and I had cancelled my service several months prior to the dates they provide. 

The debt collector is unable to provide any other verification of the debt but they still will not remove the debt from my credit file.

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 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.

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 03/13/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Closing on a mortgage

Complaint: We wanted to pay off our loan in XX/XX/XXXX. In order to do so, we needed to have a payoff quote. Freedom mortgage charged us {$30.00} to get the payoff quote. Our loan was transferred to Freedom Mortgage in XX/XX/XXXX after our existing company, XXXX, sold our loan to them. To our knowledge, there was no payoff quote fee for XXXX, and therefore being a " new '' customer to Freedom Mortgage, we were asking that the {$30.00} fee be waived since our previous mortgage company did not charge us a fee. After speaking to several Customer Service Specialists, we were finally able to have the fee waived on XX/XX/XXXX. 

However, upon payoff of our loan, we were still charged {$30.00}. We called Freedom Mortgage 's customer service and the customer service rep did see that the fee should have been waived and advised us to write an email to XXXX to get this resolved. There is no way to speak to someone to resolve this by phone -only by email. An email was sent XX/XX/XXXX. 

Freedom Mortgage said it would take up to 30 days to resolve the issue. After the 30 days passed, we called Freedom Mortgage customer service on XX/XX/XXXX. The representative, XXXX ( # XXXX ) told us that she also saw that the fee should be waived but she was told we were denied because Freedom Mortgage can not refund the recording fee. I told her that this was not the recording fee, but rather a fee that Freedom Mortgage charges us just to payoff the loan, even though we were told there were no fees for paying off a loan. 

Since Freedom Mortgage considers this a closed matter, we decided to file a complaint as we feel they were intentionally misleading us and constantly changing their flimsy explanations.

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 01-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone is in my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch   XXXX   XXXX   had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.

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 04-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX were my mortgage company but they turned it over to Greentree Servicing, these are some very rude and uncaring people, they have no training not even the so called Supervisor. If your mortgage payment is XXXX day late, they will try to harasse you into making a payment over the phone which is a XXXX fee then they will tell you that they will waived the XXXX fee but they do n't, after you questions the charge they tell you that their Supervisior forgot to remove it but they never refund you. My mortgage payment was 13 days late I informed the lady that deals with my account that my payment was mailed 5 days ago I asked her to wait until tomorrow but she told me that I should do a short sell because me and my husband were a sad case because we could not pay such a small mortgage payment, she went on and on with many insults and hung up the phone while I was talking. Something must be done about this as a consumer I feel like my hands are tied because this has been going on and on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This company is reporting a debt to the credit reporting agencies for an alleged balance of {$130.00}. On  XXXX  I sent a letter to them requesting that they perform an investigation of the account and to send copy of any contractual agreements that they have on file validating that this is a valid debt and that they were either sold or assigned to this account. On  XXXX  I requested this information again because I had not yet received the requested documentation and yet again the company has failed to provide but has updated the reporting with the credit reporting agencies on  XXXX . This company is in violation of reporting an unverifiable debt to the credit reporting agencies, updating a reporting 60 days after the re-investigation and not providing supporting information and failing to notify me that this debt has expired the statute of limitations for my state of residence. I am requesting an immediate deletion of this item from each of the agencies in which it has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: We purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with citimortgage for  XXXX . In  XXXX  we were approved for a HELOC with Citi for approximately  XXXX . In  XXXX  i became unemployed. I was out of work for 3 years. We reached out to citimortgage many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to citimortgage many times for help they were unable to assist us. citimortgage sold our mortgage to   XXXX   XXXX   in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false inflated value of the home.

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 04/18/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.

Company response to consumer: Closed with explanation