milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to negotiate a Short Sale with Seterus since XXXX 2015 I have filed a complaint before and Seterus responded by stating this property was foreclosed on XXXX XXXX Since than we have been working with Seterus and their attorney firm XXXX XXXX XXXX. 

The sale that occurred on XXXX XXXX, 2015 the lender was the high bidder by default. The clerk of court thus filed its Certificate of Sale. During the statutory ten day period before the finalization of the sale, objection to the sale was filed. Although the court denied the objection, it also withheld the Clerk from finalizing the sale until the lender would consider the short sale offer. All parties were ordered to mediation which occurred on XXXX XXXX, 2015 with the parties including the lender agreeing to reconvene in three weeks after the lender further instructed and authorized the loan servicer and thus its attorney to deal with the short sale submission. XXXX XXXX was assigned to this file. from XXXX XXXX XXXX. She submitted the short sale package to Seterus and we got a decline letter without much reason behind it. When I called Seterus they tell me there are no notes and all they can see is that this property has been foreclosed on. 

Seterus and their attorney is having problems understanding that the property is not yet an REO and is indeed still owned by the borrower. The sale is not confirmed and the title transferred to the lender as the winning bidder until the Certificate of Title is issued by the Clerk. The Court Order forbids that event from occurring until the lender deals with the short sale offer pending. 
I keep emailing XXXX from XXXX XXXX XXXX since after they declined the short sale they told us to resubmit with a higher offer which we did not once again no one is responding and they keep stating it is an REO.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Diversify Consultants Incorporated started to call in the beginning of XXXX XXXX to collect a debt from a cancelled XXXX account. I did not try to dodge them and I was giving them everything I could to bring the amount down. I could not afford it at the time so I gave what I could when I could. That was not enough because they reported my account to the credit bureau which placed a derogatory mark on my credit profile. During this time the amount began to change. I began with owing {$440.00} and then when they tried to call again they said I owed a little over {$500.00} and then again the amount change to around {$250.00}. Confused, they told me that I owed {$440.00} and I could settle for an affordable amount. I paid a payment of {$40.00} on XXXX XXXX, XXXX, and settled the rest once I was employed again for {$200.00} on XXXX XXXX, XXXX. I asked them for proof of the settlement and payment, they then put me through loop holes and told me it could take up to a week to receive a email. I never received said email, so I call DCI and they told me it was sent and they would resend it. My email shows no emails whatsoever received from DCI. I was needing this information so that the mark on my credit could display the correct status and my profile score could increase. They have yet to report it or give me proof the the settlement and payment. All representatives I speak with try to quickly get me off the phone or place me on hold for very long periods of time. I have to receive any information or see any change in the status on my credit. The money was taken from my account but I have no proof of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After applying for a consolidated loan Navient has not provided me with an income eligible loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Payday loan, title loan, or personal loan (Payday loan) with Risecredit, LLC (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). 
My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX  Payment, and Rise Confirmation of XX/XX/XXXX Payment ).

On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on  XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. 
As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Filed a investigation with trans-union inXX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.

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 10-08-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In the past few weeks I have made online pick-up orders with the Target store in XXXX NH. When I request a hard copy receipt at pick-up, they say they are unable to do so and I should receive one in my email. On several occasions, when I try to print one from my email, the first page is blank, and the next page does not include prices or dates. When I make an online order, I am unable/not allowed to print a copy of my order. When I complained to the store management, I was told that no one else complains about this and they are unable to give any receipt. I believe this is an attempt by Target to hinder their accountability to their consumers. Do I not have the right to hard copy documentation of transactions? 
Please advise. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. 
XXXX, NH

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/1992

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (SC).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I am in XXXX XXXX XXXX and not sure how this happened. I am known to pay my bills on time.

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 07-01-2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Nation Credit Adjustors has been constantly calling my place of employment for some time now about XXXX different debts that I have asked them not to contact my place of employment about. They are not harassing the people at my place of business and embarrassing me by telling my co-workers that i have this outstanding debt that i refuse to pay and are asking to be transfered to different departments. I 've also received a very disrespectful and inapproprate call from one of their reps when i called in about this rep in the past I was informed that they should not be calling me about these claims due to me speaking with a lawyer and all calls were to stop. They are still calling my job and being very rude. i keep asking them to stop and have had no luck. I am looking to file a some kind of suit against them in the very near future. I do know that I am responsible for the debt and cam nt pay at this time I 've explained this many times but they will not stop calling. The rep I spoke to today was XXXX who can be reached @ XXXX ext XXXX. He was very sarcastic in saying they have been calling for years and this year they 've called 9 times I told him i do not have the money to pay at this time and he said I guess we 'll keep calling your job until you pay us or we 'll be taking you to court.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I received a student loan through XXXX. My Loan was sent to a collection agency.After my Federal Taxes had been offsetted. To pay back the student loan. The collection agency is Navient.My account was opened by Navient and reported to all XXXX credit bureaus.It is well over the 7 years expiration period. I have contacted all XXXX credit bureaus.XXXX, XXXX, and XXXX.I contacted Navient to demand that they remove this inaccurate account record from all XXXX of the reporting credit bureaus.XXXX, XXXX, and XXXX. Sending them documentation of my offset.It has yet to be taken off. I contacted XXXX who informed I would have to wait till XX/XX/XXXX.Due to an update from Navient in XX/XX/XXXX.This is ludacris, and furthermore is hindering my family.From receiving adequate housing, schooling, and employment.Creditors are denying me left, and right for this ( 1 ) inaccurate collections.Please! Help me attain what I deserve.A fair chance to renew my credit. I have paid my debt, and would just like this account removed from all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have tried to modify my HELOC with Chase, which is almost 8 % interest rate. I have applied over and over ( see attachments ). Chase has told me a variety of things, all which were never true. I have a phone recording of a Chase representative being very rude and leaving too much information, some of which was wrong, on my answering machine. I have also written to the home office. But it was a Chase customer service representative that told me to file a complaint with CFPB. Many of the representatives, along with myself, could not figure why Chase would not modify a HELOC loan with a less interest rate. Now Chase wants me to file legal separation from my husband in order for them to look at my file. 

I have submitted my complaint before ( XXXX ), but did not have the attachments and after reading Chase 's response, I felt that I needed to add the attachments to clarity my stance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: There have been multiple times I was put on forebarance. Even while I was in school. They reported negative items on both mine and my co-signer 's credit reports and told us that she was still responsible for making payments even though the loan was in forebarance. I have made extra payments multiple times that just extend to the next due date rather than paying towards the principle. I have called and mailed letters to Navient, now I am working with a credit recovery company and they are still not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Lustig , Glaser & Wilson XXXX P.C XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of XXXX for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the XXXX XXXX Court. They are attempting to re-age a debt that is over seven years old, and XXXX had already sued me in 2008 in the XXXX XXXX XXXX XXXX XXXX Court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (DC).
Issue: Problems caused by my funds being low

Complaint: I was working with your agency on a case that you referred to the Office of the Comptroller of the Currancy ( OCC ), but you never gave me the case number for my case over there. I believe this company, RUSH card has me in a SCAM so I need to discuss it with them or with you to update you on my new developments on this same issue. What do I need to do now to provide my updated information? I do NOT want my case closed yet because of new developments! PLEASE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a payment set up with my PayPal Mastercard and it did not go through properly on their end. When I saw this the day after it was due, I immediately put another payment through which was successful. I called, chatted and emailed PayPal Matercard ( Synchrony ) and asked that the {$38.00} late fee be reversed and went on to be told no. I dont this this is fair as it was set up, then paid within 24 hours after the mistake was found

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 03/31/2015 about Debt collection (Payday loan) with National Principal Group, LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received XXXX calls from hidden number. Finally answered referred me to another number with a file number. No clue what loan they are talking about have all my information including ssn they read it off to me over the phone! called my boss at work and said they were going to call my family

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: previously, I 've have been trying to make arrangement in paying navient they put my loans in forbearance, after that I would make arrangements to make payments of XXXX for a certain amount of months. I gave them my credit card to take the payments. they would take 1 or 2 payments, Navient would send me paper work to fill out. I would send them the paper work, navient would tell me that I did n't qualify for the payment plans, or they did n't receive the paperwork in time! Navient would not continue to take the payments Navient would tell me to call them back when I have the money to make arrangements for payments. I did n't know what kind of arrangements they were talking about because they would tell me to pay for that payment. then they stopped taking payments. One time I went through the whole months they told me and still. I 'm here trying to solve. to make arrangements for payments.

Company response to consumer: Closed with explanation