milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WA).
Issue: Trouble during payment process

Complaint: Re : Shellpoint Mortgage Servicing We have recently completed a Chapter XXXX bankruptcy and have notice from the Chapter XXXX  Trustee, that we/they have paid our Mortgage payments as required and we were current upon closing of the case, XXXX 2017. We have made the payments required by Shellpoint since the closing and have canceled checks to confirm receipt by Shellpoint. They continue to insist that we owe additional funds that seem to be attributed to amounts they had not posted properly during the bankruptcy. According to our records, the bankruptcy trustee made final payments in the amount {$56000.00} on XXXX XXXX, 2017. They also made a payment in the amount of {$56000.00} on XXXX XXXX, 2017. We received a letter from Shellpoint of Notice of Default and Intent to Accelerate dated X/X/2017. We have contacted them and talked with several employees without resolution. We have asked them for an audit and a full explanation of the amount they feel is owing. They have sent us an account summary but we have not received an adequate explanation of the full postings in the bankruptcy. We have been working with them since XXXX 2017 and feel that they are not diligently pursuing resolution. We have had no control over the selection of mortgage holders since our contract was sold by XXXX XXXX XXXX ( XXXX XXXX ) several years ago, we wish to refinance with a reputable firm as we have no confidence in Shellpoint. We are unable to do that until this matter is settled. We would appreciate any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a federal and a private loan originally with XXXX and now currently with navient. Both loans have the same account number however come in different payment books. At one time I was even sending the payment to the same address so it made sense to send payment with my pay stub and two separate checks but in the same envelope. The payments were always made out for the Amount that was owed on the payment stub however navient would often times apply. Both payments to one loan whichever was n't due as soon and then when the other loan would default they would charge a late fee and start the harassing phone calls that would n't end. I have discussed this with them many times and they always say they have it taken care of. Also my repayment plan that I was on and was affordable was never explained to me to just expire one day and triple my payments with no other options and was givien to me under false pretenses saying that it would bring me up to date and current and that no interest was being charged. When asked what my new bill would be for each loan they could n't even tell me what I owed each Month but obviously still expected me to pay it. They are an awful crooked company and I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Consumer Loan (Installment loan) with VNU Group, LLC (CA).
Issue: Managing the loan or lease

Complaint: Dear BCFP Complaints Department. 

This is a complex situation. 

I did try to resolve this with the vendor. They went completely non-responsive for a long time. 

I appealed to The State of California Department of Business Oversight and I was assisted up to point of action against the vendor and that help was in progress with ATTY XXXX with CA XXXX in XXXX. In the end, after a long period of not hearing of any progress, Ms. XXXX wrote me to inform that the matter was outside of CA XXXX Jurisdiction. I found that confusing. 

I need some help. 

I returned the product. I deem the Lease Agreement now cancelled. 

In due course, now that I know the product has been received via insured delivery confirmation, I will write, as appropriate to all the Major Credit Reporting Bureaus in an effort to have the truth of the matter is understood before the vendor takes any action against me. 

XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I still have issues with complaint number XXXX. Now I received a statement from FedLoan Servicing stating the forbearance period is expiring and my next payment is over {$400.00} due XX/XX/XXXX! The whole point of this complaint was because I needed lower payments per month, not to be put in forbearance and they receive such a big bill I can not afford. Instead, they put me in forbearance and now I get hit with such a huge payment at once?? I still have no resolution on getting a lower payment per month and can not afford a payment of over {$400.00}. 




Please help?!?

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commercial Acceptance Company (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the XXXX time with a name of XXXX as the rep. on XXXX I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016 I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies.They violated my rights in debt collection and credit reporting. 
Please investigate to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: Ok, I have been going around and around with Bank of America and my most recent conversation with some executive named XXXX XXXX has put me over the top, upset. First of all, I had sent a complaint letter to Bank of America about benefits I had cut off, when they suddenly closed my account a year ago for no apparent reason. After this closure, I had built up a balance in a benefits account that they said they " Could Not '' return to me, as per policy. I complained and in XXXX 2016, I received a phone call from an account representative who said they would rectify my problem. Weeks went by, then in XXXX, I finanally called back and was told they were working on my account and would be crediting me back a {$37.00} late fee plus they were working on the {$15.00} and change benefits I wanted credit to my account. I asked then, what should I pay for my bill that was due and was told {$100.00}. I paid that and then I got a late notation on my credit report stating I was late, because I paid {$35.00} or so, less than what was owed. Ive written letter after letter explaining that I was told to pay the {$100.00} over the phone and this XXXX XXXX told me and I quote " I ca n't change anything without some documentation from you backing your claims ''. Well, since this was done over the phone first with an executive, then a rep, I do not have this and I told her this. I went on to say, there were multiple records of complaints I made, to XXXX XXXX, the CFPB and others, that she just needed to read over. She said she would not. Multiple times in our conversation, XXXX XXXX contradicted herself one minute stating she looked into my issue, then stated without records, she had nothing to look at, and I said it was because these were phone calls. I want this late removed from my file, as BANK OF AMERICA told me what to pay, I paid it and to this moment, I was never credited the {$15.00} or the other fees I was told would be credited, because these occured during my multiple complaints, in which I was attempting to adjust my balance correctly on my account. In addition, Bank of America and XXXX XXXX, stated to me and I quote " It is not our fault this occured and this is our position. Unless you produce proof, we stand by this and will do nothing more ''. How can I produce proof of a phone call??? I told her this and I told her this WAS her and Bank of America 's fault, not mine. I did what I was instructed to 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 12-05-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed {$160.00} to XXXX XXXX in XXXX Texas. It was sent to Optimum Outcomes for collection. The insurance finally got worked out and paid me so I immediately paid XXXX XXXX with my debit card. I 've sent proof of this with the payment receipt transaction number from the hospital to Optimum Outcomes but they continue to send me collection letters and will not remove the item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America 's Escrow Department failed to pay my property taxes in a timely matter and failed to provide me with the escrow funds in a timely matter in which I could pay my property taxes prior to incurring a penalty. My taxes were due on XXXX XXXX 2015, on XXXX XXXX 2015 I paid the full loan balance of my mortgage with B of A and they waited till XXXX XXXX 2015 to refund my Escrow and even through they knew the taxes were due, failed to make the payment prior to the delinquent date of XXXX XXXX 2015. By the time I received the funds and understood they had failed to pay my taxes when due, I had incurred a penalty of {$170.00}.

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 04-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am a realtor and have a property under contract with a buyer and seller. The buyer is using Wells Fargo as their lender and had an appraisal done. The original appraisal came in a little bit over the purchase price and everyone moved forward with the transaction. Then a week and half later Wells Fargo told the buyers that there was an issue with the value. They said the appraiser revised the appraisal down by {$14000.00}. The appraiser returned a call I had made to understand what the process was with the revision and he told me the underwriter had 'pounded and pounded him ' he reviewed his original appraisal and said he made a mistake and agreed with the underwriter and adjusted the value.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I paid in full a unlawful detainer XXXX XXXX XXXX XXXX vs XXXX XXXX case number XXXX in the amount of {$370000.00} via cashier check to XXXX XXXX XXXX XXXX to the Law Offices of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. account # XXXX-Account # XXXX XXXX XXXX Account representative stating that I owe an outstanding balance of {$7400.00}. this incorrect. I sent IQ Data International Inc. XXXX XXXX a response letter on XXXX XXXX, 2017 via United State Postal Service stating that I do not owe {$740000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, XXXX XXXX. ) is ( inaccurate ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF XX/XX/2011 ). I am requesting that the item be deleted ( or request another rapid score ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # 2, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible. Also the collection agency are still reporting payments late since 2011 until now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX/XXXX - {$790.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XX/XX/2016 please remove accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ballybunion Enterprises, Inc (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.

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 12/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on your report came from identity theft. And instead of blocking the items, they put them in dispute along with other accounts I did n't ask to be blocked. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Equifax which is not true at all!!! 
I only asked for these XXXX items to be blocked : 1. ) XXXX XXXX BANK XXXX XXXX # XXXX 2. ) CREDIT XXXX BANK # XXXX 3. ) XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please see the attachment for my direct deposit check stub from XXXX XXXX XXXX XXXX XXXX. Be advised all of my creditors was payroll deducted. Wage earner was {$130.00} a week. Health care was payroll deducted, flexiable spending. Please notice my net year to date at the end of the year was only {$330.00}. My gross at the end of the year/year to date was only {$650.00}. Yet I made {$20.00} an hour end of the year of XX/XX/XXXX. And you tell me my identity was n't taken as a human being. This company was taking everything from me. Taxes was n't being reported to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I sold a property on XXXX/XXXX/16. The closing attorney paid the taxes that were due XXXX/XXXX/16 to the city. The attorney also sent the funds to pay off the mortgage to my lender, Wells Fargo. 
Wells did not properly credit the payoff, finally resolving the problem on XX/XX/XXXX. At first, Wells wanted to charge me interest for the late payoff, but then admitted their error and did not charge me. 
My problem is that Wells paid the property taxes due XXXX a XXXX time out of my escrow funds without ever checking \ if they had already been paid. They knew the property was being sold as we had requested a payoff for the loan. 
The city took the funds and applied it toward the next tax payment due XX/XX/XXXX. I do n't own the property any more! The money involved is over {$2000.00}. I have been asking Wells for a refund of this overpayment since XX/XX/XXXX. They have said it is the city 's job to reimburse me and have requested that the city send me the money. I say it is Wells fault and they should reimburse me and THEY can wait for the city to process the refund. If I was over 90 days last on my mortgage, Wells would be harassing me for payment, not ignoring me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service ((CD) Certificate of deposit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: XXXX/XXXX/XXXX I have a maturing ( XXXX/XXXX/XXXX ) JUMBO CD @ CIT online bank. I sent them 2 letters XXXX XXXX, XXXX XXXX w/instructions to wire the $ in full to my credit union as I have done previously at least XXXX w/other CD accounts there, I also faxed a letter w/their form and made several phone calls & e-mails to " make sure '' this would not roll over as I am dissatisified w/ this bank for many more reasons ... today I was " grilled '' by XXXX from CIT bank, security questions about my existance from 40 years ago ( XXXX )! plus, too many of them all different questions from when I originally established this account ... I was told I may not get MY $ because a " 3rd. party entity, they refuse to identify has to check me '' ... I have more than COMPLIED, they say they never recieved the letters I sent & I keep getting conflicting/wrong info from them about where they are who is in charge, address ... .I want MY money OUT of CIT bank upon maturity ... they are abusive/security abuse, over kill, treat me like a criminal, change their " protochol '' and have caused me much duress & XXXX ... they wo n't even give you a paper/hard copy of your account info ... ..BAD BANK! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over {$4000.00}. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someone else, but they keep referring me back to the same person and noone seems to care to assist me. today I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: From XXXX to XXXX I took out loans from XXXX XXXX called student signature loans. At the time my mother was assisting me in taking loans out that were for paying for school. Unfortunately, being XXXX XXXX XXXX I trusted the entire situation without much thought. I took out several loans with high interest rates without even a cosigner at the time hoping to accomplish my degree and receive a great job XXXX. I was under the impression that the loans I was taking out from XXXX XXXX were federally backed loans not private loans. I realized that this was not the case when I graduated in XXXX. Also when I took the loans out at the age of XXXX I signed for them without fully understanding the gravity or the overall cost they would amount to. My wife and I currently pay {$1700.00} a month in student loans and now my federal loans are about to kick in as well. We will be roughly at {$2000.00} a month between XXXX us and majority of that payment is mine. I have submitted a complaint before ; however, it did not get anywhere. I am hoping to having a child and maybe even buy a home ; but, in this current state that is impossible.

Company response to consumer: Closed with explanation