milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Trouble during payment process

Complaint: During the tax year XXXX, I paid over {$42000.00} in mortgage payments to Seterus. However, Seterus sent me Tax Form XXXX for the XXXX, showing XXXX was paid in mortgage interest. See the attachment. 

This clearly an error. In XXXX, over {$25000.00} of my mortgage payments went to mortgage interest. Someone at Seterus should have realized XXXX error before sending the form. 

On XX/XX/XXXX, I contacted Seterus by phone. I thought that it would be a simple matter of looking up my account and giving me the number over the phone. However, the staff person I initially spoke to said it could take two to three weeks! I asked to speak to a supervisor and was put through to XXXX XXXX. He promised hed get back to me by the end of the week, XX/XX/XXXX. 

I never heard from him.

Seterus is violating federal law. Tax forms were to be mailed by XX/XX/XXXX. By Seterus submitting an incorrect Form XXXX, they effectively submitted no form at all. 
Seterus error is preventing me from filing my XXXX Federal and State Tax return.

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 10/15/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: I have a first mortgage and HELOC with Suntrust Bank. I am refinancing the first with XXXX XXXX and Suntrust seems unwilling to send me a copy of my HELOC note. I suspect they are trying to sabotage the refinance with XXXX XXXX. The HELOC account number is # XXXX. Suntrust seems to have outsourced the entire back office operation to XXXX. I have exchanged 7 emails with them. They refuse to send me a copy of my HELOC note.

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 07/27/2016 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Money transfers (Domestic (US) money transfer) with BANK OF THE WEST (CA).
Issue: Other transaction issues

Complaint: XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA. 
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX. 
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire. 
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!! 
On XXXX XXXX told Bank of the West to recall the wire, which they did. 
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!! 

Please help. I can be contacted at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 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: On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It has been more than 30 days and still no resolution on my issue.

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 02/24/2016 about Consumer Loan (Vehicle lease) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: We are XXXX and do not have a loan with Wells Fargo Dealer Services but they have repeatedly called us ( for years ) and as recently as today. This is very upsetting to us and we do not want to be harassed. These calls apparently pertain to our adult son who has not lived with us for decades and we have no information to provide - which we have explained to the many callers in the past together with asking that they do not call us. The phone call today was made to our home on XXXX ( In the past I have also received calls on my cell XXXX XXXX XXXX ) from somebody stating her name was " XXXX at Wells Fargo Dealer Services '' XXXX ( caller ID number ) with a message to call back XXXX for No. XXXX. The telephone call came in at XXXX. In the past we have received calls from persons representing that they are from Wells Fargo Dealer Services from other numbers including XXXX. These agents not only ignore our request not to telephone us but in 2014 an agent from the XXXX number provided me details on the subject account history over the phone that included the amount of arrears, collection efforts and assertions that my son was a criminal. I have subsequently learned this was illegal. We are tired of these calls and are filing this complaint to documents them as well as demand that we stop being harassed.

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 12/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015, I noticed that Ocwen Loan Servicing was not accurately reporting monies paid towards my mortgage loan. I notified Ocwen on several occasions to remedy the inaccurate payment history reporting. I then contacted Ocwen 's Ombudsman. 
By letter dated XX/XX/2015, the Ombudsman representative writes, " Unfortunately, Ocwen is unable to resolve the technical issue which is causing the online history to reflect only partial information. Therefore, in an effort to resolve your concerns and ensure you have the details of your payment history, I have enclosed a detailed accounting of your account. '' With that said, if I lose the Ombudsman 's document and my bank records, Ocwen will hold me responsible for monies already towards my account. 
Your assistance is requested ; I should not be denied accurate reporting of monies paid towards my mortgage account on any and all Ocwen payment history systems.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. 

For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. 

Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. 

After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. 

Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. 

In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. 

If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. 

Thank you very much in advance for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: For almost an entire year, I 've been trying to work with Transunion to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Transunion is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;   XXXX    XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Transunion because this is not the information I receive when I contact these companies individually. For months, Transunion has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.

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 05/16/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went online to get my free credit report from Equifax and was not able to receive it. The questions were deceiving and some I could have checked more than XXXX answer. I tried it XXXX and could not access my report. Also, my husband went online to get his and the same thing happened. I also VERIFIED we were entering the correct information since i had a copy of another credit reporting agencies report in front of me so I am SURE there were no errors. I then tried getting our reports through the mail, and all i received was more letters stating to send more ID and verification papers. This happened XXXX to each of us which is completely unacceptable. We merely want our XXXX credit report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2016 about Debt collection (Medical) with Armor Systems Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing regarding several bills that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. This matter impacts both myself and my husband, XXXX XXXX, as we both visited XXXX XXXX 's office on five ( 5 ) total occasions between XXXX - XXXX 2015. 

At the time of each of our visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a Tier XXXX Preferred provider under XXXX XXXX 's policy, clearly documented by a screenshot of XXXX XXXX 's website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit and submitted the difference to collections. 

I have contacted XXXX XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with a representative there as recently as this month, who confirmed this again and stated that XXXX XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing in XXXX 2015 that there was no basis on which to submit this matter to collections, and repeated that assertion this week. However, XXXX XXXX 's office still submitted the bills to collections, where they remain. 

The dates of the visits in question are as follows : XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX/XXXX/15 Per this documentation, we have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. We have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence to obtain accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that XXXX had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called XXXX to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a fraudulent charge on my bloomingdales credit card XX/XX/XXXX. It took them until XXXX XXXX to resolve the charge. Throughout the investigation process I was getting late payments marked on my credit report as well as a charge off. They keep telling me it 's cleared on their end and my credit report should be updated, but it has not. I even have a letter from them confirming that everything was resolved. This is causing me financial harm as I am trying to get a mortgage. My credit score was above XXXX and now it 's around XXXX. Every single time I call them I get a different answer. One has told me it 's all cleared and it should update on my credit report. The next person will tell me they are waiting to get the account back from a collection agency so they can remove the charge off.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: problem : all of the above.
failure to remove XXXX ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints.
allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ).
showing outdated debts ( 10 years back ) and refusing to remove them.
failure to respond to legal notices sent certified mail to all 3 bureaus.
refusing certified mail.
failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law.
posting information from unknown sources and not from XXXX XXXX courthouse about illegal eviction when XXXX remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ).
refusal to sync accounts with other bureaus data as per deletions.
refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.

Company response to consumer: Closed with explanation