milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Debt collection (Mortgage debt) with Seterus, Inc. (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Called XXXX, XXXX on XX/XX/XXXX, on or about XXXX pm, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XX/XX/XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XX/XX/XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the XXXX modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XX/XX/XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease

Complaint: I obtained an auto loan with Santander Consumer USA. I consistently receive my bill late so that the only way I can pay it on time is to do so online, where I will be charged a convenience fee of {$10.00}. They state that if I send in a check, it will take 5-7 business days ( which can be 10-11 real days ) to process my payment. My due date is XX/XX/XXXX, and I 've not received by bills until XX/XX/XXXX or XX/XX/XXXX. I feel like this is a deliberate attempt to force me to use a payment option that requires additional fees or to add late payment charges to my account. The first month, I had no choice but to pay the {$10.00} and the second month, even though I mailed my payment on XX/XX/XXXX, I 've received emails warning me that my payment has not arrived and I will incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I was charged hundreds in overdraft fees. The order in which the transactions would go through were manipulated in a way to where I would be charged fees when I should n't have been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on   XXXX   XXXX   XXXX     i received an email from   XXXX   XXXX   stating my  credit score  has changed, stellar recovery had placed an account in collections lowing my  credit score   XXXX  points and lowing my fico score  XXXX  points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: I have received at least XXXX " home loan refinance opportunities '' from Bank of America, who holds my current mortgage. The latest letter is attached, both front and back pages. I believe the manner the refinancing option is presented in these letters is misleading, deceptive, and potentially illegal. 
The letter boldly emphasizes several times that I will save {$3000.00} per year. But this savings is not primarily due to a lower interest rate, it 's primarily due to the conversion of my current 20-year loan to a new 30-year loan. Yes, I would save the {$3000.00} per year for 20 years, and then I would owe an additional {$14000.00} per year for 10 years ( this risk is vaguely mentioned in a very-small-font footnote on the bottom of the back page ). I would basically pay about {$80000.00} more, while Bank of America pockets {$2800.00} in fees and costs. 
Bank of America has complete and full access to all details of my current mortgage and to all details of their proposed refinancing plan. They have the information to accurately and honestly present their refinancing opportunity. Instead they are willfully and intentionally choosing to present the offer in a dishonest and deceptive manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Medical) with Credit Management Control, Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Management Control , INC. is reporting a debt that is older than 7 years and they are not reporting the proper amount owed to Equifax. 

I received a letter from your Credit Management Control, INC. on XXXX/XXXX/2016 about a debt. 

On page XXXX of the letter Credit Management Control sent me on XXXX/XXXX/2016, the top of the page lists the date when this account was established as XXXX/XXXX/XXXX. 

Credit Management Control 's letter states on page XXXX that {$11.00} is allegedly owed, the amount furnished on my Equifax credit report is {$12.00}. The original amount furnished to my credit report by Credit Management Control was {$200.00}, the total amount calculated by adding the self-balance on page XXXX of the letter is {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/23/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I routinely schedule my monthly Citi card payment online ; I also routinely find that the payment I schedule for XX/XX/XXXX, on or about XX/XX/XXXX, is not in the system. So I schedule it again the day its due. This past month, I went through this process ( checking to make sure my original payment was n't in the Citi system ), only Citi charged my bank account twice, overdrawing it. I called Citi immediately once I learned about the second charge, and they assured me they would stop it. They did n't. They tried to charge my account two more times, and when I called again, they said they were " investigating '' and could n't stop their system from the repeated attempts. When I then contacted them asking to be reimbursed for the overdraft fees from my bank ( now {$100.00} ), they said that because I scheduled both payments ( because their system failed to show me my first scheduled payment ), they wo n't reimburse me ( they also did nothing to even attempt to stop their system from charging my account ). I 'm now out {$100.00} ( and I had to delay or stop other payments as well ), and they 're stonewalling me ; I could use some help. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2017 about Checking or savings account (Checking account) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: We use Umpquah bank and recently my debit card was used by someone who went on a shopping spree to the tune of {XXXX. I filed a dispute with the bank in XXXX Wa XXXX claim XXXX ) and they sent me a letter saying the claim is closed and they are denying giving my money back because their investigation showed that i provided authorization for these transactions. This is completely ludicrous. I last saw the debit card in the XXXX on XXXX when i used it at a XXXX in XXXX. I then walked across the street to my car in my work parking lot. I dont remember seeing the debit card again after that but i didnt know it was missing until the following saturday when i got a call from visa asking if i made some charges and i indicated that i had not and immediately called the bank to cancel my card. In the meantime i had switched to a new debit card that they had mailed by my request so i didnt even notice the other was missing. the day i last saw it i had to leave work in a hurry due to emergency and by the next day i was using the new one since the other one had a broken chip. Then a few days after using the new card i noticed odd charges under the new card ( 5.00 in online book purchases? ) so i cancelled that card too and i refuse to use an umpquah debit card anymore. Dont think their chips are secure! and i dont shop online or anything crazy. Help please! These people took {XXXX} of food from my babies mouths! I absolutely have no idea who took my card or numbers and i for sure did not give anyone else permission to have it nor would anyone i know use it! My husband is very upset about this also and the bank wont relook at the claim. I think i must have dropped the card sometime that Thursday but i dont know. I didnt know it was missing until the fraud dept called. 

Thanks, 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 monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and Experian has a false payment report in their system from XXXX XXXX XXXX as late payment for the month of XXXX 2017 attach as well XXXX 2017 is receipt of payment made on time. 
Please removed late payment status Removed late payment status from XXXX and Experian for the month of XXXX and 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 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The Following is my Fraud claim directly to XXXX XXXXXXXX XXXX card, I am also mailing a certified letter with all the following information : Attached are : My claim of fraud, Affidavit of Fraud and certified letter to be mailed on XX/XX/XXXX RE : XXXX XXXX Card acct. # XXXX XXXX, REQUESTING EXPIDITED HANDLING I am formally claiming fraud on the above mentioned XXXX credit card. The balance and status XXXX is reporting to the following Credit Bureaus ; XXXX, XXXX and XXXX is grossly inaccurate and as a result, I am in immediate danger of harm and serious financial damages. 

ISSUES : I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting XXXX to either remove the entire tradeline reported in XX/XX/XXXX or update it. Specifically the entire balance and status of this account at least until a proper investigation is completed. 
I am disputing the balance ( should be XXXX balance ) and the status ( closed by credit grantor ) I am confident the investigation will confirm my claim. 
To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against XXXX in the event a reasonable response is not obtained and I suffer damages as a result. 
**Additionally, in the event XXXX attempts to conclude any charge or transaction belongs to me I am requesting all unredacted documents considered and/or used to conclude XXXX investigation. I am also requesting the following information. 
A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
If a card was mailed to me in XXXX, when was it mailed? 
If a card was mailed to me in XXXX, a. ) did it need to be activated and if so, how was it activated b. ) If the card was activated online, what was the IP address used? 
c. ) If the card was activated by phone, what was the phone number used? 
5. What specific information was used to activate the card? 
I am hoping XXXX will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will accept communications via email, USPS , XXXX, XXXX or through any secure platform XXXX would like. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. 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 non-monetary relief
Consumer complaint received 05/31/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: We emailed to Dovenmuehle Mortgage Servicing an application for mortgage assistance to complete a short sale onXX/XX/XXXX. The emailed included paystubs for 30 days, bank statement for 3 months, hardship letter, XX/XX/XXXX tax returns, purchase agreement, listing agreement and estimated HUD 1. I called to make sure the documents were received and I was told I had to wait 5 days for review. I called again 5 days later and I was given a list of more documents to submit and I was also told the Borrower needed to explain deposits on Bank statements, at this point I was told the short sale workout would not be opened until all the documents were returned. I submitted more documents on XX/XX/XXXX and XX/XX/XXXX. I submitted 2nd year tax returns, more bank statements, more paystubs then 3 days later I receive  another call telling me I need other explanation letters, lease agreements from non-occupying borrower, more bank statements from a savings accounts and more paystubs and still the bank has refused to open a short sale workout and postpone the foreclosure sale date even when they continue to review and ask for additional documentation not included in the original application instructions. Every time we return documents then they ask for more update documents, its a never-ending process. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed numerous accounts with proof of Police Report and Fraud Investigator 's Report. I have been disputing the same accounts with Equifax for over a year now in which not only have i faxed the reports but also sent them certified mail twice.I am a victim of Identity Theft. Even on the Police report, it tells you the persons that stolen my identity. Equifax INSISTED they WERE MINE and VERIFIED by THEIR INVESTIGATORS! Yet, XXXX and XXXX has removed every one of those accounts. I have attached the letters, police report and FTC reports, ID and SSN card in which I have sent to Equifax. please Help

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Nearly every time I submit paperwork for forebearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am deliquent. I have to re-submit all of my paper work yet again, paying the postage, and taking the hour or two for all of the steps. This occurs every 6 months. I spent hours on the phone on hold, arguing with representatives to have the late fees waived and to finally have my forebearance request considered. This is infuriating. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Making/receiving payments, sending money

Complaint: Hello, I am reporting an issue I had with Bank of America due to their negligent check clearing practices and their arrogant and unresponsive behavior. My predicament dates from XXXX, so, I am not sure if there is something that can be done about it now. 

In XXXX XXXX, I was a victim of check fraud with my account at Bank of America. A fake company offered me a part time job to act as their donations distributor and asked me to disperse funds after the check that they would send over has cleared. Being naive and a student at that time, I fell in their trap and deposited their check upon receipt at my Bank of America Account. Being a little skeptical, I specifically asked BOA to let me know when the check clears so that I can assure myself and all they said was that the funds will be available after 3 days. 

I waited for 15 days to see if the check has cleared. After 15 days, when I did n't hear anything from the bank, I sent the money to the fraudsters somewhere in XXXX. 

However, bank of America came back to me after 45 days and informed me that the check I deposited has bounced. I tried to plead with them and explain them the situation and they did nothing to help me. Their collections department acted arrogant and did n't care to call me back or talk to me despite numerous attempts to reach out to them. They then reported my account to a third party collections agency and had me reported on XXXX because of which, I could n't open a new bank account for XXXXXXXX years. 

They made me go through unnecessary pain and their collections department didnt even respond to my calls or was willing to work with me. As a result of their check clearing practices and unresponsive behavior, I ended up losing XXXX dollars since they forced me to pay this amount back to them from my own personal pocket. 

Even though its quite late, I would appreciate if something could be done about this so that other innocent folks do n't go through the same pain that I went through. 

Thanks 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 06/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Swe Homes LP (TX).
Issue: Struggling to pay your loan

Complaint: Required down payment before credit was issued, shring private info like my ss # breached and should have PAID FOR THE condo in total, accepted several payments and stole the home in foreclosure two years later. HORRIBLE COMPANY, AND HORIIBLE TATTICS

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have on several occassions contacted transunion, XXXX, and XXXX and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, XXXX, AND TRANSUNION. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM TRANSUNION XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA 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