milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I want to submit a claim against Seterus. On XXXX XXXX, XXXX my bankruptcy case was dismissed. Seterus sent me a letter in XXXX XXXX, XXXX before my case was dismissed which was a sign of harassment. I was advised by my attorney that once the bankruptcy was dismissed the " creditors '' would start contacting me, but Seterus never did. I decided to call them in XXXX XXXX to see what was going on and to see what my options were as to where my home would n't be compromised. The phone just rang.. Shortly after I was disconnected. This has been going on for a while. Eventually I went on the internet to send Seterus a request on getting some type of assistance to avoid foreclosure, but their address was n't on the website and it stated that they had a class action going on against them. Since I could n't get in touch with them I assumed they were either out of business or we no longer had any business. XXXX XXXX, XXXX I received a letter from Seterus ' attorney stating that my home would be going up for auction XXXX XXXX, XXXX. XXXX XXXX, XXXX I spoke to a representative of Seterus to see if I could try doing a loan modification and I also requested my original documents stating the business I have with Seterus. The following week, I called XX/XX/XXXX and the XX/XX/XXXX to see why the documents I requested were not sent to me yet. I was advised they ended up sending it to my bankruptcy lawyer after I informed them I no longer had an attorney and they specifically asked for my address to where I wanted my information mailed to which was my HOME address, not my former attorney 's address. Because of their mistake they advised that I should take off work and try to get things handled on my own time. I advised them it was a reason I needed my documents and modification application mailed to me, but it does n't seem like they were really trying to help me. I was also advised that one of my request for my original documents were denied and that they were going to send for the request again. Now, it 's no telling when I will be able to get this information mailed to me and they have my house scheduled for auction on XX/XX/XXXX. I attached recordings of me conversing with a few representatives on different days. PLEASE help me stop this auction I need my home..

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed information on my credit reports several times in XXXX XXXX i received a letter from transunion of the results of XXXX disputes.There were some accurate corrections but as usual some additional punitive things were done that impact my score.The cras all say on their websites that all negative marks remain for 7 years from being reported as well as bankruptcy reporting.They also say closed positive accounts will remain for 10 years. When i received my updated report on XXXX they had deleted XXXX closed positive accounts which lowered my score by XXXX points compared to XXXX and XXXX. The FCRA says i am entitled to an accurate report, how can a report be accurate if they are allowed to delete undisputed accounts.I received a letter from XXXX positive closed account informing me due to my dispute they would cease to report on the account.I never disputed this account and it was not filed in my bankruptcy.Again i am only asking for an accurate report.I am filing my complaint with you at this time because none of the cras have a category to dispute a deleted account.Somehow we have to dispute multiple times to get negative information reported correctly, but they can delete positive information at will.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is the response they keep giving : " was found in your favor and all identified unauthorized transactions totaling {$1600.00} were permanently credited to the account and would be reflected on the XXXX XXXX, 2017 billing statement. '' It is XX/XX/XXXX. There has been no {$1600.00} credit yet. When can I expect these disputes to be refunded? I need more up to date information about resolving this. <P/>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ocwen Loan Service and I are in arrangements to take care of a back payment I owe on mortgages attached to my mother 's estate. As the executor I make arrangements at certain times of the month to pay portions off in hopes of remaining current. 

Despite me making these arrangements, I get back to back calls while at work on my cell phone WHICH I ALSO USE FOR MY LINE OF WORK! These calls come sometime just days AFTER I paid a portion of this debt. OCWEN KNOWS my next payment date may be weeks off or even the next month! 

Last week I instructed them NOT to call at work. I gave them an after hours time frame ( which they can easily accommodate ) if they must to reach out ( the money wo n't arrive ANY sooner but hey ... ) The rep at Ocwen looked down at a series of notes and acknowledged that they were calling before the next payment cycle. Therefore making it a lost cause because there are n't any funds until that scheduled day. This morning at work I get XXXX back to back calls and a voicemail. OCWEN KNOWS my next payment is on XXXX but I will probably get about XXXX or XXXX calls ALL DURING MY WORK HOURS!!! All they have to do is look at the notes and NOT call. They WILL get their MONEY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent Certified letter for ( 1 ) verification of debt, ( 2 ) Documents showing the authority to collect the debt ( 3 ) The contract betweeen the XXXX ( original debtor ) and Portfolio Recovery systems to collect the debt but I have just receved another demand letter without giving all the required documents within the stipulated period ; I feel hence this entry must be removed by the Portfolio Recovery Also the XXXX Credit buraeus also have published the information. Irequest you to take necessary legal action with in the applicable Federal legal frame work

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom it may concern, Previously credit report has been deleted from my credit report because of identity issues and violation of the fair reporting act. And has previously been reinserted back on my credit 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 04/24/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill for {$2100.00} from XXXX XXXX XXXX, XXXX a bill at XXXX : J.C.Penny Consumer. 
Original Creditor : XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
XXXX XXXX XXXX XXXX XXXX were threatening when I called their toll free number XXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Bonneville Billing and Collections (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I just received a notification from my payroll department of a judgment for garnishment in the amount of XXXX. I NEVER HAVE BEEN SERVED OR SENT A CERTIFIED LETTER NOTHING. Had I been notified of this debt I would have acknowledged or objected depending on what the debt is for!! Now my payroll director will be deducting XXXX $ every paycheck. I am a single mother who if I have to pay this along with my other bills and obligations will cause me to lose my house!! I work XXXX jobs and I 'm obtaining my XXXX XXXX. This is illegal! I was never given the chance to to object or even to take care of this debt on my own without getting my corporation involved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed that on my recent credit report I have several inquiries by the same company, which I have NOT authorized. This is from XXXX XXXX XXXX. Last year I opened a credit card with them but they should not be doing hard pulls on my credit every few months. When calling them I was told that they do soft pulls regularly and that I should n't worry but I told them that they keep doing hard pulls instead. Their response was to go back to the credit agencies and dispute with them, because they do not provide this service.
The following are my hard pulls : - CBNA on XX/XX/XXXX - CBNA on XX/XX/XXXX - CBNA on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Payday loan) with Premier Portfolio Group (SD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Company called Premier Portfolio Group continues to call me at my work after I informed them not to. I also informed them that another collection agency had taken money from me on the same account they are trying to collect on. I gave them the company phone number and contact person, but they continue to call my work and my cell phone. I have over XXXX plus phone numbers this company calls from. They are now using a number from my home state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have made multiple attempts to voluntarily surrender the property. Instead of accepting my offer to voluntarily surrender, I was involuntarily signed up for a modification. Again, I attempted to follow the process for a short sale. Ditech has extended the process for more than six months by repeatedly asking for documentation that has already been submitted. During this time, the damage to my credit score continues to progress rapidly. At the time of the start of this short sale process, I had XXXX potential buyers ; however, the time limit for their offer has expired because of repeated request from the mortgage company for updated documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EQUIFAX/XXXX HAS VIOLATED SEVERAL FCRA LAWS. COLLECTIONS AGENCY DID NOT NOTIFY IN WRITING OR BY PHONE TO NOTIFY ME US THIS DEBT. XXXX NEVER DISCLOSE MY RIGHTS TO DISPUTE THE ERROR. EQUIFAX/XXXX DID NOT PROVIDE A VALID MAILING ADDRESS, ACCOUNT #, AND PHONE # TO CONTACT THE AGENCY TO DISPUTE. THIS FOR PROFIT COLLECTION AGENCY APPEARS TO BE A RANDOM DEBT BUYER AND ISSUES DEBT TO CREDIT REPORTS. I REQUEST A FULL INVESTIGATION BY XXXX AND AND EQUIFAX BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have the Paypal MasterCard. Since I have had the card, each time I make a payment, my available credit is not updated in a timely manner. This occurs with each payment since obtaining the card, XX/XX/XXXX - XX/XX/XXXX. Each time, I have to call customer service and request that they update my available balance. The first time, they told me I had to wait 16 days. Since then, I usually wait 7-10 days before demanding the update. They always update it when I contact them. I just want it updated automatically in a timely manner. However, I have been told that the payment holds are system generated and can last anywhere from 48 hours to 21 days before being released. I have requested a supervisor to a system override if that is the case, and been told that is not an option. I reviewed the terms of usage for the card and there is no disclosure about such payment holds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed in prior disputes with Equifax concerning the Bankruptcy Case # XXXX was never discharged the discharge was waived. IT did not discharge and needs to be removed from the credit report. Equifax is not investigating what I am asking them to investigate they are just going by what they have in their system and that 's that. Even if what they have in their system is wrong. They 're blatant refusal to to make the correct changes as they are supposed to by law is very concerning to me. It needs to be rectified correctly and immediately. Please fix the problems correctly. I have attached the letter that I received from the bankruptcy court and I have also attached a copy of Equifax credit report showing the incorrect status and information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from Experian or XXXX. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my Experian credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On XXXX. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.

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 06-09-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Incorrect information on your report

Complaint: Attempted to make an online payment to our mortgage compan y Loancare. No error message ever received to show payment did not go through. Assumed payment went through as it has every other month we have paid online. Went to make next months payment it shows we are 30 days late. I called and Loancare said yes we can see you did log on and attempted to make a payment but it did not go through but sorry we ca n't help you.I had to make a payment over the phone for both months because again the website would not work. They said they could not talk to me about it and to email a dispute which I immediately did. Loancare then reported a 30 day late to our credit. We have sold our house, my elderly parents are moving in with us because they are sick and currently live far away. Loancare said they ca n't talk to us over the phone, it will take 60 days to review the dispute and sorry we ca n't help you. We are not unable to purchase the home we are supposed to close on in 2 weeks.  They wo n't look at a dispute or talk to us for 60 days but already posted to our credit.

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 10-12-2015 about Debt collection (Medical) with Armada Corp. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections.

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 Credit card () with Continental Finance Company, LLC (PA).
Issue: Other

Complaint: my daughter was ill 120 days behind on my payments - had the full amount to pay on the card for XXXX XXXX 2016 went to pay the full bill was put on hold. rep came back and said if i did not pay XXXX more that i would just incur fees after the payment was made. stated that was all i had - gave her my credit card numbers to pay the bill was put on hold again - she stated that she was trying to help me and she would be right back. came back and said that she wishes to charge my account off - i said no and further explained that i thought i had protection on the card the bill is due for XX/XX/XXXX and im paying it on XX/XX/XXXX so if your stating its an extra XXXX im paying until XX/XX/XXXX and then resuming my payments as my balance will be around XXXX remaining on hold again -she stated that its to late i charged off now. and that i need to pay XXXX dollars for the next XXXX months - i asked why and was told that that is my payoff - i said what did i spend on the card she said XXXX dollars which is impossible when i recieved the card it had a balance i had to pay - i had almost a XXXX XXXX dollar chargefrom the company. she said i was responsible for XXXX percent of the full bill. i never even recived a statement from this company - i said if your charging me off put it in writing i was told no and that this was a one time deal and if i did not do it now that it would not stand. i disconnected the call what company refuses to take your payments after agreeing to tells you whats in your best interests and then bullies you into an agreement to ruin your credit on purpose - i was paying and was allowed and then straight out told you are forced to 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 explanation
Consumer complaint received 03-10-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report

Complaint: This was a mortgage account that should have been closed in XX/XX/XXXX when it was paid in full. In XX/XX/XXXX I paid off this loan in the amount of {$250000.00}. As of today, XX/XX/XXXX, I am still receiving correspondence from Wells Fargo indicating this account remains open. I have repeatedly tried to address this situation directly with them.

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