milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Seterus Mortgage Acct # XXXX to obtain a Deed in Lieu. I submitted all documentation including proof of discharge of 2nd mortgage etc. After submitting all docs a required under XXXX Seterus said they can not complete a Deed in Lieu because there are {$7500.00} in judgements against me. I believe under XXXX There is money allotted for this. I have had to declare bankruptcy and will now face foreclosure. I attempted this with XXXX and XXXX servicing. I finally received the discharge from XXXX and face this disaster. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with MIDFIRST BANK (VA).
Issue: Struggling to pay mortgage

Complaint: Reporting unfair business practices and policies by  Midland  Mortgage  /  Midfirst Bank.   I was behind on my Mortgage by 6 months working on mortgage modifications.   On  XXXX   XXXX ,   XXXX   my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure.     When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for  XXXX   XXXX ,   XXXX  . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home.   They have continued with their harassing phone calls despite notice by attorney  XXXX  of the foreclosure on  XXXX   XXXX ,   XXXX  .   The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.

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 01/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: REPORTING COMPANY REPORTING 2 LATE AUTO PAYMENTS TO XXXX! ONLY 1 AUTO PAYMENT MADE LATE!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I was given a fraudulent cashiers check. I deposited into my savings account and made no attempt to withdraw the fund. The check was determined to be a counterfeit cashiers check. Upon learning this fact I immediately notified the supposed issuing bank. They informed me that they were experiencing a " flood '' of fraudulent checks being given to victims throughout the country. I notified my bank - Wells Fargo - and, even attempted to provide them with information relative to the actual identities of the individuals that had given me the fraudulent checks. They were not interested in obtaining any information nor willing to receive copies of the complaint I had filed with my local police department or US Postal Service ( US Postal Inspector ). Wells Fargo suggested that I deposited a fraudulent check into my personal account - suggested that it was my responsibility to know if the check was good or not - and, immediately closed my account ( s ). I asked why then the XXXX hold on the check upon deposit? The bank clearly was not a victim because they lost no funds. I was the intended victim of a scheme yet lost no money. I was quite surprised that they essentially terminated and closed my accounts - and, their fraud department would n't even engage in a civil conversation about the specific details of the scheme that was meant to defraud me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Debt collection (Credit card) with AllianceOne Recievables Management (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There was no option for my issue. I am trying to get in touch with this debt collector. I have a XXXX XXXX account with them and my financial situation has changed and I have to cancel the payment arrangement I have with them. I have contacted them XXXX times and left messages that the payment needed to be cancelled and it was drafted out my bank account anyway, with no call being returned. I feel this is unfair and illegal business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with Receivables Management Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. 

I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I applied for business credit card using company EIN. The card was issued using my social security number. The application stated that my social security number would only be used for Identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
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: My credit card  with Comenity/  XXXX   XXXX  was used at  XXXX   XXXX    XXXX    XXXX  on  XXXX   XXXX ,    2016 by  someone other than me. They told me that it is actually  XXXX  charges made one right after the other on the card and then shown on the card as  XXXX  charge for {$140.00}. I notified Comenity about this and was told they would investigate. Several weeks later I received a letter saying that they investigated and feel that the charge is mine and I will be continued to be billed for it. I called and talked to them at length about how I was not in  XXXX   XXXX   XXXX   XXXX  ever and did not make any charges. I also explained that I was in   XXXX   that day  (  same shopping center ) and bought something and as always in  XXXX , your card never goes thru the first time and you have to run it again. This was the second time this happened to me in  XXXX  and the first time, there were charges on my card from  XXXX   XXXX  area directly after I used my card in  XXXX   XXXX  FL. I was n't  XXXX  places at the same time  XXXX  miles apart! The credit card used that time took care of the problem. Comenity said they would investigate again. I received a letter saying that they feel this is my charge and would not remove it from my credit card. I have no idea how they can insist that I used a card in a business that I have never been in. Nor how they can explain that  XXXX  chgs made one after the other became  XXXX  charge on my card! I want copies of receipts for these " purchases '' and want to see who signed them. There has been fraud committed and at this time, I 'm not sure it was not done within Comenity by an employee, seeing they are unwilling to prove to me that I actually obtained this credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NE).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Recently my wife, XXXX XXXX XXXX had dental work completed at the XXXX XXXX Nebraska XXXX XXXX. Most of the fees were paid directly to the XXXX XXXX including XXXX ( {$790.00} ) of the total charge. This left a balance of {$1300.00}. When we inquired about how we could settle this debt other than a cash payment we were advised that we could apply for an interest free 6 month credit card from a company by the name of CareCredit. We applied for the card and were insured that so long as we paid the full balance prior to six months from the approval date of the card it would satisfy the {$1300.00} debt in full. 

We received the first billing statement from the Synchrony XXXX which apparently collect for CareCredit. We made a payment of {$220.00} to the " Bank '' although the statement showed a minimum payment due of {$44.00}. Our {$220.00} payment was made to insure we could complete payments within the expressed 6 month interest fee due date. 

Subsequently we received a second billing now showing a promotional charge of {$1100.00}. Wondering why the payment of {$220.00} did not reflect the correct balance due which should have been {$1000.00} ( {$1300.00} minus {$220.00} ) we inquired by telephone call to the Synchrony XXXX in XXXX, FL who were listed as account holder on our statements. We were told by XXXX at the Synchrony XXXX that we were being charged a monthly maintenance charges of {$21.00} in XXXX and {$18.00} in XXXX XXXX. These almost 1.7 % charges based on the original payment were made without any knowledge on our part or notification of any charges or interest. " XXXX '' advised me that this was a type of charge made to ( protect our card ). When I pointed out that we had no knowledge of buying any sort of card protection XXXX said that they ( the Bank ) would cancel the maintenance fee charge for future payments and would refund the charge only for the XXXX {$18.00} charge and that it would probably take 2 or 3 billing cycles before any refund could be made. 

This just seems to me that the CareCredit card was just a way to make us open a CareCredit credit card account and that the maintenance charge was no more than a substitution for interest. We feel that we are entitled to both XXXX and XXXX charges in a timely manner and should no longer be subject to these unfair unsolicited charges.

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 01/21/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: AES ( also known as PHEAA ) is consistently endorsing sending repeated documents through the mail related to 1 delinquency, and this happens throughout a period of 30 days. At this point in time, I have no idea how many pieces of hard mail actually were sent, who they were sent to, and if they have proof of sending them and proof of them being delivered. 

I have a huge problem with this because this opens up ANY INFORMATION contained within those mailings to hackers, identity thieves, and any potential individual who wishes to steal information for any type of reason that could be construed as malicious. AES, instead of recognizing that this is a global issue refuses to do anything about it nor will they cooperate with my plea to refrain from this practice. We 've already had one major company who manages the Credit profiles of United States citizens allow and engage in a breach to occur which affected a very large majority of Americans. 

I refuse to be the victim of this type of criminal behavior going forward. Organizations, specifically financial lenders, banks, and Aid organizations need to be maintaining this as all organizations need to have extreme integrity. Conclusively, if AES will admit that they can not do anything about this, then that openly identifies them as an organization who refuses to abide by keeping information confidential. I 'm appalled that we have organizations who are this careless in our society, as our generation of individuals becomes more and more unprotected from those people and parties who wish to do those of us harm. 
Here 's another problem I have with AES responses to this ... they claim that they do n't put any personal information on those mailings. What they need to understand is that ANY INFORMATION on those documents is enough for a cyber-hacker to use to steal information or hack into a system where they can retrieve the identity of an individual/individuals. 

In addition to this, I 'm forwarding all of this to the current President of the United States, because I think he needs to be aware of just how serious organizations are taking security these days. I think it goes without saying that he would agree with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: XXXX, XXXX, and Transunion refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that XXXX would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was in school during XX/XX/XXXX and unemployed in XX/XX/XXXX, when I reached out to then XXXX XXXX inquiring about Economic Hardship, or any programs that will help lower my monthly payments. I was only offered forbearance which still accrued daily interest on an Interest Only Loan. When I was granted my reward letter from unemployment, I was only receiving {$150.00} weekly. I was only receiving these funds for a total of 18 months in the amount of {$2700.00}. Provided this was my only income, I had to maintain a roof over my head and pay other bills. XXXX XXXX took a financial statement regarding all my expenses and still made the decision that I did not qualify for Economic Hardship. I still paid a total of {$330.00} monthly. After I gained employment XX/XX/XXXX, I was able to get back on track to make high payments. I inquired about releasing my Mother as the Co-signer, I was advised if I made 12 on time payments she could be released. I held up to that claim only for my Mother not to be released as requested. The College I attended faded out my program of XXXX XXXX XXXX back in XX/XX/XXXX. At this time, I am unable to utilize my degree. I applied for several jobs only to be told, I need to go back to another Institution take a course that I can obtain a XXXX. The program that was offered at XXXX College was a XXXX program. I will not go back to take out another loan to utilize my degree. I have a XXXX XXXX XXXX XXXX with an outstanding balance of $ XXXX. This is insane to owe this much money for a XXXX XXXX that is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Payday loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a call from XXXX threatening to sue me for a debt they could not present, they said they have no information other than it was already being processed through the courts. They said they serviced me at an address i did not live at for over 10 years they have threatening to garnish my wages. They immediately said they can lower the debt from {$900.00} to {$400.00} if i paid over the phone today with a credit/debt card. They seem to have my personal information such as my last XXXX numbers of my social security and my moms last name.

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 04/21/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: I am trying to make additional payments against the principal on my mortgage with Freedom Mortgage, the servicing company. This is a new mortgage ( XX/XX/XXXX ). I make the normal monthly payment directly to them via EFT from my bank. This monthly payment is for servicing the principal, interest and escrow. 

I tried to make an additional payment directly against the principal by sending a check. The check was notated to indicate I wanted it applied to the principal. I sent the check with a letter of explanation that the payment was for servicing the principal only. 

After Freedom Mortgage received the letter of explanation with the payment, they recorded it as " unapplied funds. '' Unapplied funds are held until there is enough to submit a regular payment to service the principal and interest. When I saw this on my statement, I called to request an explanation. 

I was told that in order to make a payment against the principal I would either have to use their web application and provide payment method information or call every time I sent a check and request verbally that the payment is to be applied to the principal only. The representative that relayed this information was XXXX, ID # XXXX. The date and time of the call was XX/XX/XXXX at XXXX. 

The online web application does not allow principal payments only. Rather you have to use their application to submit a principal payment together with the regular payment. To do so one must provide payment method information ( bank account, credit card, etc ). As I stated, I service the mortgage via EFT from my bank account. 

This business practice seems to intentionally make it difficult for a consumer to make a payment against the outstanding principal balance. This is evident in their web application intentionally omitting functionality that would allow a consumer to make a principal payment only. The other issue I have is that they do not openly disclose this, rather the consumer has to proactively engage the company to discover this practice. Because of not applying the amount to the principal as I instructed in writing, I incurred additional interest on an outstanding balance that should have been reduced by my payment. 

Is this behavior from freedom Mortgage compliant with the existing consumer protection laws?

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 06-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Using a debit or ATM card

Complaint: XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Bank of American states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Bank of America employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at 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 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX ( a company ) at XXXX XXXX XXXX, XXXX MA XXXX. Phone XXXX. They checked my credit with Experian for the sole purpose of taking adverse action against me. They had no right and no approval on XXXX/XXXX/2014 to get information, and a few days later they used information to Justify my financial position to come after me in a lawsuit. I have opened a complaint with Experian as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation