milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (TX).
Issue: Trouble during payment process

Complaint: Back on XXXX/XXXX/XXXX I filed for XXXX XXXX bankruptcy. My case was confirmed on XXXX/XXXX/XXXX and I have been in active bankruptcy ever since. 

Unfortunately as of XXXX/XXXX/XXXX my mortgage loan servicers changed from XXXX XXXX to some random company named XXXX XXXX. 

All throughout the bankruptcy XXXX XXXX has been able to send me monthly statements showing amount owed, mortgage payment, history, etcI was always able to go to the XXXX XXXX website and log in to my account to also see my account information on line where I could confirm amounts and confirm that my payments had been received. 

Starting on XXXX/XXXX/XXXX I contacted XXXX XXXX several times via email and over the phone with no response. On XXXX/XXXX/XXXX I finally got an email from a representative from XXXX XXXX ( XXXX XXXX ). She told me that will not be permitted to register on the site to see my account information or set up auto payments or make a payment online due to the bankruptcy status. 
Sending you a statement is a form of collection and you are in active bankruptcy, therefore we are not permitted to send them to you. 
All these rules must be followed per the bankruptcy protection you are under and can not be broken. 

When I told her I was able to see my account on line and receive mailed statements from XXXX XXXX her response was.. 

Different servicer, we are not there yet. In the future we will have statements specific to bankruptcies, but at this time we do not. 

So now it was not about bankruptcy rules. Instead now it was because there company is not set up to mail basic statements to a consumer.because they were in active bankruptcy.? 

I also told them that when I was with XXXX XXXX they had included PMI into my payment. And because the value of the home was far more than what was owed I wanted the PMI removed. She claimed.. 

I do not see where your loan has MI any longer Well how would I know since I can not see any documentation of what they have, my account, the numbers, etc it is also my understanding that when your mortgage loan changes from one servicer to another that nothing changes other than the company who receives your mortgage payment. 

So based on all that has happened and been said thus far none of this sounds correct. 
Part of the bankruptcy agreement is that I make monthly payments ( of which can change based on taxes & insurance ) If I dont receive a monthly statement .and cant access my account on line..then how in the heck and I supposed to make the proper payment according to my bankruptcy? 

XXXX XXXX was the 2nd loan servicers we have had on our mortgage since it was obtained back on XXXX/XXXX/XXXX. 
Sadly XXXX XXXX is the 3rd servicers on our mortgage loan. 

Because none of this makes sense and unfortunately I keep getting routed to lower level employees that are inconsistent with their responses I need hep from an outside 3rd party entity to get this XXXX  company to act accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My complaint is with Transunion credit bureau. I was part of there system glitch that caused my inquires to be removed from my credit report. The law states that Transunion would have to notify me with 5 days to inform me that the inquires would be added back to my credit report. Transunion failed to give me proper notification and just illegally added them on my report. This is causing a financial hardship on me as I am in the process of applying for a home loan and with these inquires being added to my report it brought my score down which disqualified me for my loan. I have reached out to Transunion on several occasions and spoke with a XXXX and a XXXX. They did not want to remove the inquires after I stated that they were illegally added and some were fraud. This was not a mistake on my behalf so I should not have to suffer. This was a Transunion issue and they did not take the proper steps before adding illegal information on my report. My rights were violated by Transunion. I am requesting your help in resolving this matter and so Transunion can stop victimizing me. As a resolution I am hoping to get all of my inquiries deleted from my 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 10/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: XX/XX/2017, Thursday, I placed a call to XXXX XXXX to cancel a payment arrangement scheduled to electronically draft from my Chase Banking Account. 

Unfortunately, the customer service representative advised that the EFT had been issued and could not be recalled in the amount of {$570.00}. 

Chase Bank was contacted and I requested to place a stop payment in the amount of {$570.00}. 

The Chase representative asked if the merchant had been previously authorized to draft from my account, I responded " yes '' and provided the last debit from my account which was {$280.00}. 

Unfortunately, the stop payment was issued for {$280.00}, which is the incorrect amount. I phoned Chase immediately when the charge posted to my account. Chase reviewed the recorded call for that day and the transcripts, escalated the issue to the claims dept, and confirmed that a banking error was made. 

In working with Chase, the bank issued a decision to honor the transaction and not take additional action to recover funds due to the bank 's error. 

I was told by XXXX XXXX that the payment can not be refunded and a credit would not be issued for the inconvenience as the payment was for my car note and I should look on the bright side, my car note is paid. He also advised that the bank who made the error would be properly trained. 

His response was very inappropriate and subjective in addressing the matter at hand. I felt there was possibly discrimination as XXXX XXXX did not cite banking policy to support Chase 's decision to honor the transaction despite the admittance. 

Throughout the duration of the investigation, I was very mild-mannered as I understand it was an honest banking error. I requested that the bank exhaust all efforts to recover the funds and reverse all NSF fees as this has created a domino effect within my account of insufficient postings. 

XXXX XXXX also advised me that his department was the highest level and that is the final decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent 4 letters to experian and XXXX in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( experian and XXXX have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. 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 non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX  advising that the following hard pull inquires are not authorize by me : XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 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
Consumer complaint received 06/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was going to school for one year and graduated in XX/XX/1984 and I believe that I fraud was happening because it was a one year program and to this day, they taking money from my XXXX and we sent all paperwork to the FTC, and they said that you would be able to help 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 06/24/2015 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt is from XX/XX/XXXX and I never received anything at all from anyone about this debt. They just put it on my report XX/XX/XXXX. They also kept on telling me that the debt stays on my report for XXXX years from when they placed it which is false information. When I told them they could not do that, they told me they could and would. I do n't even know what this is for. The dates are incorrect. I only had XXXX visit to the hospital XX/XX/XXXX and bills should have been covered by insurance 100 percent and these I just became aware of now from viewing my report. They were also rude and starting commenting on my personal life which they have no right to do or know anything about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Setereus took over servicing my mortgage from XXXX on XX/XX/2014. I was in arrears, its was a rental, had to evict tenant again, do n't make nearly the money I used too. Decided to sell instead of renting again. Took XXXX mos to get a contract. Throughout Seterus kept telling me the principal balance was {$52000.00}. I based sales price on this. Had received several offers of $ XXXX & $ XXXX. Seterus was willing to accept, but I was n't. Requested payoff figure, knew it would be a little more. It was {$5400.00} more, finally amount was {$5600.00} more. Almost could not close because the payoff figure was so high and still needed to pay real estate commission. I wrote Seterus as they instructed, also called once per week. Had XXXX questions, never answered. And had to pay extra taxes because Seterus refused to deduct it from their payoff figure ; taxes were paid by closing attorney which is standard in real estate closings.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I went into the Bank of America branch, located in the XXXX zip code off of XXXX in XXXX, Ca. I was informed that the bank was unable to cash a check that is drawn off of their system because they simply could not swipe my card. I let her know that my card was bent and it would not read. I was then turned away by the teller and the manager saying that they are unable to cash my check for no reason other than it would not scan.

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 01/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are XXXX accounts that I disputed with Equifax XXXX and XXXX Credit reporting agencies.. The first was a tax lien that is incorrect. I submitted the paper work that proves that the tax lien was based on an improper XXXX filed by a former employer. The former employer corrected the XXXX and that should have erased the tax debt. Attached is a letter I submitted to the IRS that explains what and why they corrected my file. Also attached is the corrected IRS transcript and the correct XXXX. Equifax XXXX and XXXX stated that they investigated this lien and concluded that it was correct. But they did not provide me with who they contacted or any other information that they gathered or obtained to come to their conclusions. Per the Fair credit Reporting Act they are responsible to provide me with this information. The other XXXX accounts Were hospital collections. I contacted the collection agency and they informed me that the debts were paid. Equifax XXXX and XXXX neither provided me with who they contacted to investigate these accounts or their phone numbers and conversations. It is my belief that they are reporting false information of these XXXX accounts that are affecting me directly. I need someone to help me to resolve this since Equifax XXXX and XXXX has failed to cooperate with me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OR).
Issue: Fraud or scam

Complaint: I received a {$2000.00} payment via Venmo. I saw the amount clear into my Venmo account and had a balance reflecting the payment. Upon attempting to transfer the money to my bank account, the transfer was cancelled and Venmo informed me that because the person who paid me was a scammer, I had no claim to the money and they would not transfer the any amount of money to my bank. 
I contacted them trying to understand how it is possible to simply erase {$2000.00} from my account without compensating me for anything and they ultimately responded with " The person who paid you used stolen funds, therefore we are unable to complete the transaction. We regrettably are unable to allow you to transfer stolen funds to your bank account. '' They refuse to reimburse me for the fraud or offer any compensation for a previous account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: I am applying for the Florida hardest hit program. I provided all required document and affidavits explaining my situation. My case was complicated because I use my paycheck to provide money to my XXXX kids and my mom. But now, the underwriters request for me to provide a letter from XXXX XXXX stating who has access to my mother 's account as I appear as a pod in it or a signed lox stating that some transactions in her account are part of my income. 
I contacted XXXX XXXX, they stated that they do n't provide such letters due to liability issues and for me to provide an letter of explanation stating that income in her account is mine would be lying. I already provided XXXX notarized affidavits explaining everything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: i feel behind on my mortgage two months later i called to make full payment the refused to accept payment asking for an additional XXXX to accept payment have been submitting loan modification paper work for five years and wells fargo and ASC keep giving me the run around also they gave me a trial run of XXXX a month for six months i complied with payments after i completed the trial run i requested my payment amount the said that was my payment and refused to give me the modification and now the refuse to look at my paper work again for a loan modification.

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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Bankruptcy

Complaint: Chase has failed to report my credit card correctly even though I have disputed the account # XXXX. The debt was included in my chap XXXX bankrupcy. It is illegal to report it as an open account, a collection, or a charge-off. XXXX to the XXXX monitoring report of XXXX XXXX, the account appears as follows : XXXX lists it as open and in collection. 
XXXX lists it as closed but in collection. 
XXXX lists it as closed and a charge-off. 
None of these reports are correct. I disputed it through the XXXX 's and have had no luck. I wrote directly to Chase and had no luck. I have attached my original letter to Chase, Chase 's first response, and Chase 's second response. I have attached screenshots of the relevant portions of the credit report. Chase reports my dispute as closed by consumer. That is incorrect as well. Furthermore, Chase lists XXXX other accounts as charge offs. I asked for those to be corrected, but have received no response. Chase ignored that portion of my letter asking that they tell me which documents or who they contacted to confirm the information. I am entitled to that information under the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 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: In XXXX XXXX 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!

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 06-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Bank of America Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with Knight & Hooper, PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. Someone opened a charge account with XXXX over eight years ago in my name and this company has placed a lien on my property. The owner is XXXX XXXX XXXX. I have contacted them and the person to talk to is XXXX XXXX. Her number is XXXX. The total of the debt is {$4500.00}. She is with XXXX and XXXX. They are managing the debt. I will be closing on my home in 30 days and need this removed and the lien taken off immediately. Also, I need it removed from XXXX and XXXX. I have offer them {$2500.00} at closing if they would agree but I really feel that they should just absolve the debt completely. I want you to contact her so you and her can figure out a solution immediately.

Company response to consumer: Closed with explanation