milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (AZ).
Issue: Trouble during payment process

Complaint: My mortgage service r, Seterus, refuses  to send me monthly statements. I have not received a monthly statement in over 1 year. I have no statements  for the 2016     year and do not even know my loan number.  <P/> I have not chosen to go paperless and use the statements to remind me to make the payment. My la st 2 pa yments were late because I get busy and then forgot. I had paid the late fee, but this is very disconcerting for me. I rely on the paper statements.  <P/> This is a   XXXX   XXXX   loan It is my understanding that there is a Periodic Statement Rule and Seterus is required to send me my statements.

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 12-07-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate 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 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/2016 with SPS. SPS has been repeatedly obstructive to the short sale process since the beginning. There have been other issues to which I should have filed a CFPB complaint in XXXX, but did not. However, their obstruction of this short sale has not ceased and I am compelled to file this complaint. 

SPS 's 'new issue ' with this short sale is claiming that they must have an authorization that matches the listing agreement, the addendum, and XXXX TD approval. Requiring an addendum that matches the listing agreement is not only NOT a valid requirement for a short sale, but this has ALREADY been sent to them. It was sent to them on XXXX. We have since confirmed FOUR TIMES with the negotiator that the authorization IS IN FACT in their system. 

SEVEN times we have confirmed with the negotiators at SPS that they have received the addendum. Then we follow-up three days later, and EACH OF THE SEVEN TIMES we are told that the underwriters are STILL missing the addendum. 

SPS claims they will move the XXXX XXXX approval requirement to a prior-to-close condition. I have no faith they will do this without further obstruction. 

SPS will continue to behave in an obstructive and fraudulent manner in this short sale process until someone makes them stop. 
To the CPFB I request that you PLEASE do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: Hello, After opening up a Citigold account for the promotional offer of XXXX AA miles, I visited a local branch to verify that by using the promotional code given to me and meeting the account requirements, I would be awarded the XXXX bonus miles. I am well past the 60 day requirement to issue my bonus, and I have confirmation documentation via Citi online chat that confirms I opened the bank account with the promotional offer in a valid fashion and that I have met the requirements, therefore I would be rewarded the points by late XXXX. Since that period I have requested the miles three times, being told that I would receive the miles within two business days.

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 11/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a XXXX BOA card. On the statement, it states the payment due date is XXXX/XXXX/XXXX. It also states if the payment is made after the due date. it is subject to a late fee.No where on the statement does it state it has to be applied prior to XXXX eastern standard time. 

On XXXX/XXXX/XXXX, I logged in online to pay off my balance. It was around XXXX in the evening, central time. First of all, BOA 's system would not allow for the payment to schedule on the XXXX. Rather, it scheduled it for the XXXX. Furthermore, their website instructs cardholders following the scheduled payment that the late fee will be refunded only if it is paid prior to XXXX eastern standard time. Legally, they should be required to state this time on the statement. I have screen prints of the recorded time the payment was scheduled for your records which clearly shows it was paid on the XXXX. 

I am requesting BOA refund the late fee to my account. I am attaching all the screen prints and the statement for your records.

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 09/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/XX/2017 I pulled my own credit via XXXX XXXX XXXX with TransUnion. TransUnion has recorded this inquiry as a hard pull vs a soft inquiry. This mistake has negatively impacted my score.

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 10-04-2017 about Debt collection (Federal student loan debt) with Allied Interstate LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Allied Insterstate LLC XXXX is a 3rd party and they along with XXXX XXXX XXXX XXXX have been harassing me under a former married name as well as calling and sending mail to my job demanding a wage garnishment for a Federal Student Loan and threatening my job with suing them if they do not comply. 

The harassment started when I applied for my first Credit Card ( XXXX XXXX ) in my life through the XXXX XXXX Link. 

I never had a Student Loan and am a client of XXXX XXXX XXXX because I am a Identity Theft victim. 

The Law firm as let me know that there has never been a student loan on my credit report not now or ever and that goes for all 3 credit bureaus. 
XXXX XXXX XXXX has stated on their recorded line that these 2 companies are a known scam companies. They have also stated on their recorded line that if my job did the garnishment that all of my jobs info as well as finances of the company the scammers would have access to. 

I need for the harassment to STOP ASAP. 

Many thanks,

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 10-10-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of  XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Fifth Third Bank. I have paid my mortgage payment every month through my checking account automatic payment system. For the XXXX 2016 payment, my bank sent the usual amount of {$3300.00} to Fifth Third on XXXX XXXX. On XXXX XXXX, I received a letter from Fifth Third indicating that they can not apply the amount because the monthly payment should have been {$3400.00}. Apparently, the amount increased due to a change in escrow requirements,. I immediately sent Fifth Third another payment of {$72.00} through my bank and called Fifth Third to advise them. I was told that neither the original {$3300.00} nor the {$72.00} could be applied and that I need to send another single payment for the full {$3400.00}. If Fifth Third did not receive this by XXXX, I would be assessed a late charge. I then went on the Fifth Third website and sent the full payment and called Fifth Third back to request a refund of the {$3300.00}. I was told that this amount could not be refunded until the {$3400.00} was credited. I asked ( on XXXX separate calls ) that the {$3300.00} be returned to the bank from which it had been sent. I waited until XXXX to determine if the refund had occurred. I then called Fifth Third on XXXX and was told by the first representative that the payment had been sent back to me. I asked if it was sent electronically or by a check - she disconnected the call. I then called Fifth Third back and was told that there was no refund and that Fifth Third had applied this amount to principal. I again asked for it to be refunded and was told that a check needed to be ordered. I asked for interest on the payment since Fifth Third had wrongfully held on to my funds for 2 weeks and was told that they refused. As of now, Fifth Third has kept my funds, demanded that I make a second mortgage payment and refused to provide me with any assistance..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (Private student loan debt) with FMS Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Received call from FMS at work on XX/XX/XXXX and called that following day before there office closed and spoke with one of there representatives that I can not receive calls at the workplace. They advised me the number was removed. I Received another call on XX/XX/XXXX at work from XXXX XXXX. I then Contacted FMS XXXX XXXX XXXX ( FMS ) again since it was the weekend that following Monday and spoke with XXXX on XX/XX/XXXX advised XXXX to remove my work phone number from there list and advised them my workplace does not allow personal calls. I then received another call from another Male from FMS after my co-workers advised them I can not take those calls at the workplace. The company refuses to listen to my requests on having the company remove my work number since i can not take personal calls in the workplace. XXXX also threatned that if i didnt pay up there was going to be a nasty report sent to the major credit companies. She was short and rude.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan on XX/XX/XXXX in the amount of {$670.00}. As of XX/XX/XXXX I have paid {$1800.00}.
I called onXX/XX/XXXX and was told my payoff amount was {$660.00}. My principle only dropped {$5.00} after 9 payments? I understand that XXXX XXXX XXXX is not licensed in Pa..

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Advertising and marketing

Complaint: We got an estimate for drapes from JCPenney in XXXX XXXX XXXX area. We were told by the sales rep that if we opened and put the purchase on a JCPenney credit card that the purchase would be Same As Cash for 1 year. However when billed the account is accruing interest. I called JC Penney and they told me that the sales rep has to call them and code the XXXX option. I emailed the rep and she called back and said she would contact JCPenney but Synchrony bank is still charging a finance charge.

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 05-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.

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 10/13/2015 about Consumer Loan (Vehicle loan) with Automotive Management Services, Inc. (NC).
Issue: Problems when you are unable to pay

Complaint: Upon checking my credit report on XXXX/XXXX/2015 it appears that Automotive Management has increased the amount of my reported debt to credit agencies without notification from {$4500.00} to {$5800.00} increase of {$1200.00} ) Automotive Management has never informed me that they have assumed liability of a debt I owe or that I have signed into an agreement with Automotive Management. Nor has Automotive Management provided me with a notice of sale date, location, or details of said Vehicle repossessed by Automotive Management

Company response to consumer: Untimely response
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (KS).
Issue: Other transaction problem

Complaint: Hi, On XX/XX/2018 a {$25000.00} wire was sent to Coinbase.com. The wire was rejected due to the account using my middle name, which i go by, instead of my legal first name. The wire was supposed to be reversed and received by my bank within 7 business days ( which already is a ridiculous wait period ). It has been over 7 business days already and we still have not seen anything or received any correspondence from the company.

I can provide detailed information on the wire sent to coinbase.

Amount : {$25000.00} Date : XXXX/XXXX/18

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, 2015 I entered a written dispute with AWA COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, AWA COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

AWA COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with AWA COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. AWA COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state Division of Financial Services in Florida indicates that AWA COLLECTION is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to AWA COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

Company response to consumer: Closed with explanation