milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been denied all HAMP modifications, MHA and streamline modifications. The only offer was for a prepayment plan which I can not afford. This is my primary residence and family home, I have two other loans with different banks and have been approved for modifications. There should be no reason I can not be afforded the opportunity to keep my home with a reasonable payment plan. I 'm very confused with all the different correspondence received and not received, on XX/XX/2017 received repayment plan then on XX/XX/2017 received mortgage modification reminder with a payment amount I can afford not sure what this company is telling me. Their customer service representatives are very rude and condescending. Not sure what kind of mortgage I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I've disputed several accounts with XXXX  and even provided police report and ID Theft affidavit to help resolve the issue and XXXX  has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3 .WF XXXX Account # 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 monetary relief
Consumer complaint received 03/19/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Billing statement

Complaint: I signed up for e-bills through Synchrony Bank, and everything was going fine until they changed their Website. Now, when I signed in my UserID and Passwords were not recognized so I called to complain and asked that they start sending my Statements through the mail because I could not get to my accounts through their new Website. 
I have called about three times making this request and actually mailed a request also. 
I am still not receiving my Statements, but they are constantly calling and leaving a message to call XXXX. This is not a real number. In the meantime, they are charging me late charges and if I do n't pay my XXXX XXXX 's off within a certain time, they will add interest. 
All I want is to pay my bills, but how can I when I do not have a Statement? Please help me before this entity completely ruins my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: When applying for a loan recently they discovered a had a derogatory delinquency on my report when I called experience they told me to work it out with the creditors who I know I never had an issue of any kind with. I tried to get to the bottom of this for days thinking someone was trying to steal my identity. I called the experience a few times and finally they told me they had merged my account with someone else 's ... ... sorry. I wanted them to not only fix that but all the names that had come up on my report including this other person and I would like a PIN number in order for anyone to access my report and I would like a copy of the new credit report sent to me email and postal mail. None and I mean NONE of these things has happened. Now I do n't know if this person is running around pretending to be me but the experience does not seem to be a bit concerned about this mistake and I am very upset and think I will need to get an attorney now.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The credit reporting company called Experian has historically been very troublesome often denying me my free annual credit report long after the one year eligibility time has elapsed. After completing all required information either via phone or more currently online, they 'll immediately deny me my report and ask I mail photocopied drivers license, utility bills and other like items to verify my identity to get my report. Thereafter they always mail back a response saying that I 'm ineligible because they just sent me one. When they did not! It appears that once the initial annual request is made, and if denied, they view this as a report was generated and sent. Then they adamantly deny any further disputes when told that the requested report was not sent! This has happened many times and I have gone several years without seeing my report. It just happened again on XXXX/XXXX/XXXX when after completing the on-line form, I was again denied. Even though my last report was dated XXXX/XXXX/XXXX. However they always point out that I can easily buy the report by remitting their asking price. I am very angry with Experian. They offer no personal phone in help. Only endless pre-recorded messages designed to frustrate a caller. I have no problem with the other XXXX credit reporting agencies who are helpful and easy to deal with. I want my annual credit report from Experian each year without all the trouble they cause.

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 12-01-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2017 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: on XX/XX/2017 I sent XXXX XXXX, experian proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX XXXX experian with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

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 08/18/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Walmart card still says that I have an account over the credit limit on my credit report. Credit limit {$500.00} and over {$660.00}. The address for Walmart is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never opened an account with Walmart and they are still on my credit report with XXXX and XXXX. Please correct this error in regards to Retail Card over the limit.

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 09/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I was a victim of this Wells Fargo matter : http : XXXX XXXX Wells Fargo banker named XXXX ran my credit without my permission to open a business line of credit. As a result, a credit inquiry was charged against my credit report ( s ). I called Wells Fargo shortly after this happened, and Wells Fargo stated that they were unable to remove the unauthorized credit inquiry from my credit report ( s ).

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 08/31/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus have a very bad customer service organization. The first 12 minutes of any call is them verifying and re-verifying all of your information even if you talked to them that same day. The servicers do not read your information in the notes after verifying who you are or prior to calling you. I have asked for 8 years, providing documents by email, fax and snail regarding my name change, with documented proof they request, at least 10-15 times. And, I notify them every single time I call that I am divorced. They still have not taken care of it. They are rude and inconsiderate. I believe I they have taken steps to hurt my account and credit because of this. I have had payments applied incorrectly, using late payments and misallocated a regular monthly payment in order to make negative marks on my credit. I requested a modification, was told I needed to miss 4 payments to do so. So I did, they came back with a horrible offer, which I had no choice but to accept. Now I am in a 40 year loan at 5.5 % interest, with bad credit on two fronts because of Seteres. They in NO WAY look out for their customers best interest. Lastly, I had a flood at my house. My insurance promptly paid. Seteres took the money. After 6 weeks, Seteres still has n't given me the money to pay contractors. I had to use 2 months worth of mortgage payments to pay out of pocket so I did n't get a lien on the house BECAUSE OF SETERES. They are rude, clueless robots that only hurt the situation and have no concern about anyone 's wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Debt collection (Other debt) with LJ Ross Associates (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I filed a complaint and it wasn't investigated before it was closed. I had no contract with Ross Associates! I made an agreement with XXXX XXXX XXXX XXXX for utility service not Ross. Ross has no paperwork but insistent that I owed the bill that was reported to my credit 6 months after final bill that I never received. I asked for a copy of XX/XX/XXXX bills or a copy of the final bill. They responded saying I owed without proof and said they wanted me to prove I paid the bill. So I put in the complaint for XXXX XXXX XXXX and Ya 'll couldn't contact them, the original debtors. How can the claim be closed without proof that I owe anything. It took them 6 months after the service ended not giving me a chance to dispute or challenge the bill. I found out 3 years later and never received a bill. Why don't they have to produce proof of me owing the bill especially since they're 3rd party. I was in XXXX when they reported the bill and that's why my services were turned off. I'm in XXXX and have no way of accessing this information and shouldn't have to. The burden of proof should be on them. Not close the case because they said I owed the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not open a XXXX XXXX. I have disputed with all XXXX bureaus at least 12 times. 
I have requested validation of all aspects of the account, to include original application and signature, dispute letters, authorized users, statements, payment history, charge off statement, they can not validate. I sent certified letter and they have 30 days to complete and have not been able to validate. Account states on credit report I can not be located. Account states was sold to XXXX -- XXXX sent me a letter stating they were closing the account and removing from credit report due to no information.. Should delete and block the account permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am the XXXX y/o single mother, homeowner, who co-signed private student loans for my XXXX children. They are XXXX & XXXX & neither can afford the monthly payments Sallie Mae wants. We were close to a resolution involving an affordable payback plan ( $ XXXX/month ) but then we " lost '' our Loan manager & now every time we call we are rerouted to another dead end situation where they want what we ca n't pay. The " special program '' seems to have vaporized. I do n't know what to do. I 'm worried they will come after my house, my only asset. I am more worried than the students. What recourse do I have to get Sallie Mae to work with us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Midland Funding hired the XXXX XXXX XXXX XXXX XXXX to collect on a debt owed to XXXX. They had my bank accounts garnished for {$2500.00} in XXXX based on a ruling from XXXX XXXX XXXX of which I was not notified. I did not receive a court summons before the garnishment so I was not given the opportunity to clear this up before it went to court. The court clerks claim that I was " served '' on XXXX XXXX at an address that I had moved away from in XXXX. After they took the money, the court clerks advised that the Collections company could release the funds if I agreed to a payment plan. I called the collections company multiple times requesting for that release and payment plan but they kept telling me that they could n't release the funds at all. I was garnished without notification and unfairly. The only documentation I received came from my bank after the assets were garnished from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I Have provided proof in writing of XXXX XXXX dollars that was consolidated. proof!!! I have never been to a XXXX in my life. I need this handled. And there is absolutely no papers on that loan either ; I have proof of the XXXX XXXX not XXXX XXXX ; what is wrong with you people.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (CO).
Issue: Trouble during payment process

Complaint: My loan administrator, Amerihome, sold my loan to another bank without any communication to me. I found out about the transfer after I noticed that my XXXX automatic payment had not been deducted from my account. I tried to log in to the online service for the past few days, struggling as they were having a technical glitch. I finally spoke to a customer service representative today via web chat where I was told that my loan was sold, I was provided a phone number to call at the new bank and nothing else. The representative then ended the conversation abruptly without any further information. 

I have since been able to contact my new bank and set up payments, luckily I am within the 60 day period to make my first payment so I am not subject to late payments. However, I am furious with Amerihome for putting my credit and my home at risk by not performing their due diligence to inform me of the mortgage transfer. Had I not been paying attention to my bank statements, this could have been catastrophic for me and my financial credit. 

Consumers should not have to undertake investigations to be able to comply with agreements that they make with these banks. Amerihome 's behavior is entirely unacceptable and puts consumers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with Machol & Johannes, LLC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In  XXXX   XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through  XXXX  on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about  XXXX  of  XXXX  I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, Just an fyi, you may find more than one complaint from me as I have an open bankruptcy case. I tried disputing the fact that Experian is reporting XXXX as an open account on my credit. This is part of Chapter XXXX bankruptcy XXXX filed XXXX XXXX, 2016. I contacted XXXX today and they told me that they contacted all XXXX bureau 's on their end and have done everything they can. So it is an Experian issue. I tried disputing an Experian popped up and said I cant and said they cant give me a reason why. The only # is automated and not for disputes. 
I should not have to purchase a report, which I cant afford just to dispute. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation