milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am a single mother of a XXXX child. I am currently unemployed as my child requires full time care. In XXXX, I attempted to get a modification of my mortgage through Seterus-my loan servicer. I filled out the paperwork, sent it in, and I received a packet in the mail that said that yes, I had been approved for a trial modification! It said to pay an amount for XXXX, XXXX, and XXXX XXXX for the trial period. ( I did that. ) Then I got another modification approval packet in the mail a day or so later that was exactly the same except it said to pay a higher amount. I was confused so I called them. I could not get through to a live person, so I paid amount that I got in the first packet on the first of XXXX as instructed and also on XXXX XXXX. Then I got a notice that I paid the wrong amount-and therefore my modification was disqualified. I called Seterus and spoke to someone who said that the amount I paid was the wrong amount and that I no longer qualified for the modification. I asked for something in writing, since I never rec 'd anything that said the first packet was a mistake, and she said that I could n't get that. I called later the same day to clarify what the first person had told me, and this next person told me that I should be fine with the payments that I made, that she would put an inquiry in for me and let me know something in a week. In a week I did n't hear back so, I contacted the mortgage help line through XXXX and was directed to XXXX. I explained the situation to them and together we called Seterus-a XXXX conference call and XXXX recorded the conversation with their permission. We spoke to yet another agent at Seterus. He told us that while the amount I paid may have been a mistake on the part of Seterus, I still qualified for that amount, and there was no problem with me paying it and that all was fine with my modification, that Seterus will honor it. He verified that I had paid on time for XXXX and XXXX, and that I should just continue to pay that amount every month until I got the final modification paperwork. To pay the XXXX payment, and even a XXXX payment if I had n't heard anything since they were backed up-he also said to ignore any mail I got saying i was late as it would take a while to for the system to catch up. 
I have the names and dates of everyone I spoke to at Seterus. 
So I paid XXXX payment and after my XXXX XXXX payment, I got civil foreclosure notice hand delivered to me from XXXX by XXXX on XXXX XXXX. I do n't understand how I can get such conflicting information from the same company about the amount of my modification. And also, the second packet contained a payment that was more than my monthly income. Why they would modify the mortgage to more than my monthly income? I can pay the first amount if they would modify to that amount. 
After that, I contacted XXXX again and was directed to XXXX who is now working with me to resolve this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by Experian since  XXXX   of 2001. A ccording to FCRA law : " This information is generally remov ed seven  years from the initial missed payment that led to the delinquency. Missed payments and most public record item s may remain on the credit report for up to seven y ears, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, wh hich may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX     2001  which is now 16 years and 6 years past the legally permissable reporting criteria. However Experian continues to report this information which is a violation of my FCRA rights a nd State law. The account is also being illegally r e-aged to reflect the current month as the reporting date every time I file a complaint.

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 Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter  from Sams Mastercard serviced by Synchrony Bank yesterday,   XXXX  /17 stating they will be closing my account.    This company first lowered my limit a few months ago and now they plan on closing it by months end, which is around the  XXXX  of the month.   I contacted them today on  XXXX / XXXX / 17  to explain to them to please look at my payment history as I 'm a good payor, have never defaulted or have been late. They did n't even care, they explained to me to reapply once account is closed. I 'm trying to prevent it from being closed.   I have  XXXX  other accounts wit h Synchrony and they are doing the same thing. They start lowering limits eventually leading to closure.

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 11-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have incorrect info on my credit report with address and I also have inquries that are not mine

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 09/14/2017 about Checking or savings account (Personal line of credit) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Our XXXX XXXX Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX XXXX XXXX had a security breach where someone got into our XXXX XXXX  checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This XXXX XXXX Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that XXXX XXXX ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are self employed and were going through hard times in XXXX when the economy crashed and found it difficult to keep up with our mortgage. We turned to Wells Fargo for help because our interest rate was very high at 6 %. They gave us a temporary reduction in our interest rate and payment that was only good for XXXX months in XXXX XXXX. Once the XXXX months were up our rate went back to 6 % and we could no longer afford to make the payments. We tried working with Wells Fargo but they would not help us so we hired the XXXX XXXX XXXX in XXXX XXXX to work with Wells Fargo. Wells Fargo has refused to help us because the investor will not allow a permanent modification. We have done our part by making the XXXX monthly payments which we could afford. We do not want to lose our home where we raised our children. We are requesting that Wells Fargo permanently modify our loan so we can continue to make payments and stay in our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performance Settlement, LLC (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I got a phone call from performance SLC and the guy i spoke with was XXXX XXXX back in XXXX XXXX. He had told me that the federal loans was going to forgive my loans all of the {$21000.00} except XXXX and broke it down into payments of {$86.00} a month until XXXX of XXXX. I set up everything ( gave my bank account info ). Within a few weeks i got a letter from the federal student loans department telling me i will not be paying nothing so it struck me wrong..If i 'm paying on my students loans what is the {$86.00} being taken out for. I called the number on the federal loans and talked to very nice lady that had informed me that what I was paying on was the paperwork that company did for me not my loans and she said i could have done the paperwork in 5 mins on my own, which made me very upset. I called the company back and told them they scammed me and i wanted my money back that they took from me, they did n't do it. so I had to go and change my account. I called the lady back at student loans place and told them what had happened and i told her not I 'm really scared if they were gon na put it on my credit and she told me to keep an eye on it.. well within two weeks that company put it on my credit and i just filed Bankruptcy with my husband so we can start fresh. I am asking you to please help me get it off my credit and to do something about this company, so the scamming with end and no one else will ever have to deal with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ESCALLATE, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I have the annual battle most every year. XXXX in Ga. is  the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX & XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX & XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. Trans Union : Still mixing my Info with my XXXX father.  idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He Passed in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....

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 07/31/2016 about Money transfers (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (DC).
Issue: Other service issues

Complaint: XXXX ( now owned by Early Warning ) is denying me access to a financial service ( money transfer ) due to wrong information about me that they are using, which they will neither share with me nor let me protest or correct. I am trying to transfer money between a savings account at XXXX XXXX and a checking account at XXXX XXXX Bank using XXXX ( XXXX XXXX uses XXXX for their SurePay service ). I initiated the transfer via XXXX XXXX, and XXXX asked me to enter my address, phone number, and last XXXX digits of my social security number. Although I am 100 % sure that the information I entered was accurate, I was notified by XXXX that the information did not match their information. After XXXX attempts I was notified that I am now barred from XXXX service and can never use it going forward. I called XXXX customer service, and was told that my current address does not match their information. I explained that they must have the wrong address for me. I 've been at my address for two years, and asked how I might escalate and have them update their information. They said there is no way to do this, that there is no process for me to escalate or appeal, and that I am barred from using their service forever. They were not even willing to take down a complaint for me. XXXX XXXX does not have another way to transfer money without fees. I am thus denied this financial service based on XXXX 's reliance on misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: All of my inquiries were removed on my transunion report, then they were put back on. sent in multiple disputes to the credit bureau ( transunion ) but they will not remove 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 non-monetary relief
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the Citibank XXXX XXXX XXXX XXXX XXXX credit card. This card promised to reimburse me {$650.00} towards the purchase of a new XXXX after I spend {$3000.00} on the card within the first 3 months - I satisfied this requirement and I asked Citibank how to get the {$650.00} credit : - I was told that I should purchase the phone through a link on my Citibank account. I did n't have a link. After a few hours on the phone Citibank determined that they have an IT glitch and the link would not work - I was then told to purchase the phone directly using my credit card from XXXX XXXX XXXX. I tried to make the purchase and my card would keep getting declined. I called Citibank and they said the card is fine and it 's an issue with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they said Citibank is not approving the transaction. I got them both on the line and they could n't figure out where the issue was - At that point a supervisor told me that given all the trouble I have had, I should just go purchase my XXXX with another credit card, send in a receipt and they would handle the reimbursement - I went ahead and did that. They have a copy of my receipt but now they claim that they can not process the credit because I did not use my credit card to purchase the phone. This is AFTER they told me to use another credit card I verified with a Citibank supervisor that all this information is noted on my Citibank account but due to technical issues they can not process the 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 09-07-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 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: Account information incorrect

Complaint: Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.

Company response to consumer: Closed with explanation