milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax got hacked and my information was part of the information that got hacked. Fantastic.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NV).
Issue: Struggling to pay mortgage

Complaint: After XXXX years of being together, my partner XXXX and left me with this hardship. I want to continue living in my house ; however, the servicer of the mortgage basically refuses to help. My loan at origination was a XXXX XXXX insured mortgage. In XX/XX/XXXX when my partner refinance our house, it continued to be a XXXX XXXX insured mortgage. Earlier this year I had my mortgage servicer, XXXX, process my application for the XXXX XXXX Refi ; however, while awaiting a determination, XXXX ( or whomever ) sold my mortgage to an investment pool and switched servicing of my mortgage to Selene Finance. Although my mortgage no longer shows up in XXXX XXXX 's database as current, per se, it is still insured by XXXX XXXX and the servicer has to follow the servicing guidelines. 
Selene had told me that they acknowledge that XXXX was being processed as a XXXX XXXX refi ; however, they will not be processing anything as a XXXX XXXX. They claim investor 's are not subject to servicing guidelines. 
Although I am fully aware that this agency can not tell a servicer ( unless its a XXXX ) which foreclosure mitigation options they must offer, your recent rule amendments in XX/XX/XXXX indicate that services must provide comparable foreclosure mitigation options ( and that you look at XXXX 's as the standard ). 
After Selene informed me they can offer what service foreclosure mitigation options they want and wont follow XXXX, I asked what foreclosure mitigations do they have? Are there any options that exists that is similar in nature as I want to keep my home? No meaningful information was forthcoming. 
Moreover, I asked if there was anyway I can view these foreclosure prevention plans that they do offer - I even asked if they publish it anywhere, including online. They stated no, they do not have this information available to provide. 
These actions are in non compliance with the rules of regulations under your authority. I am about to lose my house as a result of businesses being allowed to run amok to the detriment of citizens like myself. Unfortunately for me, I am a long-term, XXXX XXXX and XXXX, and I will impacted more severely as a result. 

No meaningful action has been taken by Selene regarding my hardship and the obligations required upon them. 

Lastly, I am attaching a copy of a Securities instrument proving that my mortgage is still insured by XXXX XXXX. My loan # with Selene Finance correlates with the Securities instrument attached issued by XXXX XXXX proving my statements. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My complaint is with  XXXX , my wife and I leased a townhom e in XX/XX/XXXX with a    one year  lease at the time we were told that we had to use  XXXX  in that area because  XXXX  were not allowed. We called them for tv,  internet service  for a year and i n    XX/XX/XXXX   I called them and ask them to discontinue service which they said they would and ask me if I would keep  XXXX  and I explained to them that their services were not available in the area we had purchased our new home. the in  XX/XX/XXXX  I received a bill for upwards of {$600.00} I called and they said I had not returned my equipment, I thought we had but I went thru everything left and found the equipment and returned the equipment on t he  XX/XX/XXXX . I then go t a bill for {$360.00} and was told everything was not adjusted and they said you did not pay the last month and I explained to them I pai d 2 pay ments in   XX/XX/XXXX  a nd did not owe them, now they have informed that my call to them to disconnect the service in   XX/XX/XXXX  did  not count as they billed me for both  XX/XX/XXXX  and I guess half   XX/XX/XXXX a nd said they could bill until I returned the equipment I ask for a copy of this in my contract that was signed with me and was told thats what the notes say I dont think that is much of a contract I was also told they would review the phone call where I called to cancel but now they say they no longer have the phone call, I have spent several hrs time on this and would like to have this corrected at once.   XXXX   XXXX   XXXX    was th e mgr I spoke with, she also called and left me a message and ask me to send her other documentation that we had moved when I called and she would see if she could get this corrected I have called several times and left messages and have not received a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Modification denial, principal reduction 4 what the home is worth, 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 04/24/2015 about Debt collection (I do not know) with CONRAD CREDIT CORPORATION (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have been turned over to collection on a debt that I do not recognize. Repeated requests for details ignored. Research indicates the originating company is a " internet get rich quick '' type scam. But I am not furnished any details. 


XXXX XXXX CR CO COLLECTION ACCOUNTORIGINAL CREDITOR : XXXX AFFILIATE INCOME INCACCT INFO DISPUTED MEETS FCRA UnknownLoanType Open TransUnion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The draw period on my Bank of America HELOC is expiring. I can not afford the payments on the amortized portion of the loan. I contacted BOA to request a modification or extension of the term. They declined my request because I am not delinquent or in foreclosure on the debt. For the past 10 years I have never made a late payment on the HELOC, so they tell me I do not qualify for one of their programs. I believe I am being penalized and denied because I am NOT delinquent. I am trying to continue to pay this loan on time and in full. I am asking the bank to provide me with amortized fully amortized payments over a 30 year period, with a 10 year due date. I do not believe I should have to become delinquent, erode my credit and pay late charges and foreclosure fees, just to conform to one of their programs. 
The HELOC is a bank owned product. The bank does not sell this type of loan to investors, and therefore has a choice on how to help their customers. BOA never considers customers who pay their debts. The HELOC situation is becoming a huge problem that the banks will have to deal with. Other details are contained in the letters I have attached hereto.

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 01/31/2018 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I recently bought car from XXXX dealer in XXXX XXXX NJ and I got financing from Honda financial services. My salesman told me I am getting 1.9 % financing as advertise by XXXX XXXX and when I sign the document I did not check to see if I am getting 1.9 % or not I just sign the documents trusting my sales man which was my mistake and I sign loan for 5.45 % instead of 1.9 % this was deliberate act on dealership part by not informing what I am signing also I have excellent credit score of 840+ and if I don't get 1.9 % who will? I believe Honda financial services license should be canceled for unfair practice in lending.i believe Honda financial services is involved in steering by charging higher interest rate for certain type or group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (FL).
Issue: Managing the loan or lease

Complaint: I had an auto loan through Huntington National Bank. At the maturity of my loan the Bank said that several of the payments they received were outside the grace period. After much discussion of the calculation of their claim I agreed to pay the {$170.00} in " late fees ''. The Bank then declared that I did not pay the {$170.00} timely and reported the matter to the Credit Bureau as a charge -off. While I take exception to the heavy handed method of reporting the late fees as a problem loan my complaint is that the Bank continually reports that {$32000.00} was written off. I have repeatedly tried to get the Bank to report accurately the disputed amount but they refused to do so. Please help me to get them to report this matter accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with SCA Collections, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ID was stolen 2012. Used for medical stuff I do not know or recognize. I have disputed to all XXXX credit bureaus, but it has not been taken off my credit report yet. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I made a complaint through the Consumer Financial Protection bureau to Experian on XX/XX/2017 with Complaint ID XXXX. The company 's response did not address my complaint. I am not satisfied with the company 's response.

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 07/15/2015 about Debt collection (I do not know) with Allied Interstate LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 've had a XXXX card for 5 years and XXXX audited my credit report and closed my account without warning. I have not had a late payment and use the card and usually have money available on it. When I called they were not helpful and told me I would get a letter in the mail and that it came from them receiving a report from 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 11/15/2015 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Credit line increase/decrease

Complaint: I have had stellar payment history with my Wal-Mart credit card. I was granted a {$5000.00} credit limit on my Wal-Mart credit card. I even received a very recent increase in the amount of cash I could take out in addition to my purchase -- -it went from {$80.00} to {$200.00}. On XXXX XXXX, 2015, I made a purchase and took out cash. I have attached the documentation showing the purchase and cash advance. Within one to three days, I noticed that my {$5000.00} credit limit decreased to {$330.00}, which is nearly identical to the purchase I made on XXXX XXXX, 2015. This left me with an available credit of {$5.00}, which is highly suspicious that the issuer of the credit -- Synchrony Bank -- slashed my credit to nearly exactly what I owed for the purchase I made. I called to Synchrony Bank, the issuer of the Wal-Mart card, and was told the adverse credit line decrease was because I was XXXX and " some of it had to do with your credit. '' Not only was my race and ethnicity as a XXXX used to discriminate against me and take adverse action against my credit line, which dropped over {$4000.00}, but I was told that there was no internal procedure to file a complaint. I demanded to speak to a supervisor to file a Fair Banking Practices and Equal Credit Opportunity Act claim against the bank ; however, the supervisor I spoke with did not care and stated she was not familiar with any of those laws. So Synchrony Bank is out of compliance in many, many ways, but more importantly, my entire {$5000.00} credit line was slashed for the stated reason that I am XXXX and " some of it had to do with my credit history. '' As you will note on the attached adverse action letter, they are using a credit score pulled in XXXX 2015, which is nearly three months old and outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: we could not make our lasts month payment because of high utility bills. we asked acc. rep. to defer our payment til the end of our loan. he said no problem since we had never done this in the past. when we contact him he says he is waiting for approval. it 's been a couple weeks we think he might waite til so much time has gone by and try and forclose. we have been denied a loan modification. our interest is 10 %. we are on social security greentree says our income is enough. when we pay our bills we have a little over XXXX left and that is without buying food or gas for our car when we applied for a loan modification they said we would have to pay XXXX a month for 4 months we can barely pay XXXX can you help us. we don, t have any loan papers from greemtree, only a letter we got years ago saying saying they had acquired our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Closing/Cancelling account

Complaint: Today I called in to simply close my citi credit card account ( which has been paid off and now with XXXX balance since weeks ago ), but instead I had to spend XXXX mins on the phone with XXXX agents. The XXXX agent asked me a set of questions, and then she insisted to transfer me to the other agent. The XXXX agent ( Name : XXXX, agent id : XXXX ) asked me the same set of questions again plus a few more questions, but he refused to listen to my request ( ie. close my account ), and he stated citi ca n't close my account unless I cooperate with him to answer all the questions he asked and in the exact format he needed including some personal questions about my business. When I said I was not comfortable sharing that info and hoped he could record my answer to that question as " N/A '' and then move on to help close my account, he refused to proceed with my request and accused me for not understanding his job. He said " You ca n't see the screen in front of me, so do n't assume I can just put a N/A for this question. You must answer " yes '' or " no '' otherwise I ca n't close your account ''. I ended up begging him to close my account, but still have no clue if my account is closed or not. 
Also I shared with him I only have XXXX mins for this phone call before my business meeting at XXXX EST, and appreciate if he could help close my account in XXXX mins. Obviously the call lasted way more than XXXX mins, and for the most part of this phone call was just him repeatedly saying non-sense things, such as how much I do n't understand his job and the reasons why he needed to explain to me again and again about the AA points which I already clearly shared with him there was no concern from my side. 
Also citi changed my credit card card number without notifying me or any sort of communication. So I still do n't know the current card number on citi 's side. What I have are the XXXX cards I received from citi ( XXXX before the fraud and XXXX after the fraud ), and they are XXXX and XXXX hope these are helpful to link my case to my account. 
Finally I hope citi recorded this phone call, and people will know how ridiculous this XXXX guy was. This phone call was almost funny, if you consider how much he refused to listen to the customer and how much he was soaked in his world about the exact format of answers he required. Citi should share this phone call publicly, and it will be a great XXXX hit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX XXXX has knowingly RE-AGED an account on my credit report by inaccurately changing the FCRA Compliance Date. The law clearly states under FCRA 623 ( a ) ( 5 ), that the DOFD MUST be based on information obtained by the ORIGINIAL CREDITOR. XXXX XXXX XXXX is NOT the original creditor. 

Attached are credit reports and a demand letter from XXXX XXXX, PA dated X/XX/2007 which clearly substantiate you are fraudulently furnishing false information and responses with inaccurate data in an effort to undermine the law and severely damage my credit. 

Your responses thus far have been unsatisfactory as valid proof of the FCRA Compliance Date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom  this may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual  record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displ ays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.

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