milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I filed, bankruptcy last XXXX XXXX to stop foreclosure on our, home for years we had tried to work with XXXX XXXX XXXX and got no help. Then we got an new lender Shellpoint got the same services no help, when you called you get all these reps who do n't speak XXXX and give wrong advice.So as years went on illness, divorce, and loss of business, and still no help from lender, when I filed bankruptcy I had no idea that the lender would work out a deal with the Trustee ( XXXX XXXX ) instead of working with the homeowner. The Trustee have not meet the contract agreement to sale the property by XXXX XXXX But the lender is still working with them. On XXXX XXXX XXXX the trustee went to court asking for the stay relief to be granted to give him rights to sell the entire house due to no equity is in the house. So it was granted and my mother 's bankruptcy was dismissed giving her power to control the sale of her home. Leaving our family to become homeless so trustee and his realtor will make a profit. Shellpoint has  failed to help my family. If you look on page 7 the Trustee admits that the lender is not willing to do a loan modification. But instead is willing to do ( XXXX XXXX ) I  hope this lender will never get a chance to do another family as they have done mines. Along with this complaint I have attached documents to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an account XXXX XXXX XXXX with Equifax and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Equifax simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Equifax to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with XXXX and public records, I requested for the public record to be removed and that was 49 days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans are through XXXX and ACS. XXXX is working with me and basing my repayment on income. ACS is not working with me. I signed a statement with ACS that the loan repayment would gradually increase every two years and it had gradually increased. Now, ACS is requiring a 50 % increase in the repayment amount. In my opinion, that is not gradual. ACS states that it is their prerogative to increase and they believe that the increase is gradual. The new amount would equal approximately 25 % of my income. This is in addition to the amount I am already paying XXXX. The increased amount is equal to my food budget and now, as a XXXX year old, I am being forced to determine if I pay the increase or do I not eat? Is there any way you can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX did not have permission to pull 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 11/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank of America has improperly charged me fees to the amount of {$8.00} every month for the past 3 months. I have had to call in every time, waiting on hold for a ridiculous amount of time to get a hold of someone in customer service who, though they reverse the charge, has failed to resolve the issue permanently. This fee was charged for paper statements ; at no point did I ever sign up for paper statements -- further, I never received any of the paper statements in the mail that they were charging me for. Though I have gotten my money back, and hope it wo n't happen again ( do n't understand why it ca n't all be done on their side ), it has gotten immensely annoying to have to call and go through this entire process time and time again. I am writing to the CFPB so they are aware of the issue and that Bank of America takes better steps to make sure this does not happen again with me or with other customers.

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 05-05-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: A friend died in a XXXX, on XX/XX/XXXX. The dwelling and it 's contents, weredeemed a total loss by insurance company, for which the decedent had homeowners insurance. 
I became executor of her estate, and received " Letters of Testamentary '', on XX/XX/XXXX. Decedent had a reverse mortgage, with Champion Mortgage Co. On XX/XX/XXXX, I met with the adjuster from the insurance company, and endorsed a check, " Pay to the order of Champion Mortgage '', for the total amount due, within 30 days of the end of XX/XX/XXXX, listed on a loan statement from Champion Mortgage. 
A XXXX page fax, was sent to Champion Mortgage, which included a cover letter with the loan number and instructions, " loan pay-off, check sent in mail today '', signed by the insurance adjuster. The fax also included a photocopy of the front and back of said check, with my signature, endorsing it to Champion Mortgage, as executor. The last page of the fax was a copy of a statement, for the amount due, within 30 days, of the end of XX/XX/XXXX. 
Champion Mortgage cashed the check, which cleared the insurance company 's financialinstitution, on XX/XX/XXXX. 
Instead of paying of the reverse mortgage, they put the money into a non-interest bearing account, which I can not access, as the executor of the estate. 
Champion Mortgage claims that the fax instructions were not signed by someone authorized on the reverse mortgage loan, therefore, they did not pay off the loan. 
I have made numerous phone calls, and have sent a letter instructing them to pay offthe reverse mortgage loan, to no avail. 
Representatives give incorrect information, supervisors do not return calls, and theyare now asking for more fees and interest on the loan. 
There are numerous on line complaints about how Nation Star/Champion Mortgage Co, does business, including padding invoices, and prompting foreclosures on properties, where people have tried to pay off mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Total fails to remove incorrect information from my credit files. CREDITCHECK Total reports incorrectly that my Revolving Credit Usage is 990 % on Experian, XXXX and XXXX XXXX XXXX Total continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a list of disputes, mailed out on XXXX XXXX, 2015, and have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (KS).
Issue: Account opening, closing, or management

Complaint: I went to BMO Harris Bank located at XXXX XXXX XXXX, XXXX, KS XXXX to open a checking account. When I received my first statement I noticed the bank opened a credit line without my consent. I asked the bank to close the line of credit and so they mailed me a form to sign giving them consent to close the credit line. I brought the paperwork into the branch on XXXX/XXXX/2016 and was assured the line of credit would be closed. On XXXX/XXXX/2016 I noticed the line of credit was still open. I spoke to the branch manager and he told me the banker handling my account must be busy and he 'd talk to her about it the following week. Today is XXXX/XXXX/2016 and my line of credit remains open.

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 12/21/2016 about Student loan (Non-federal student loan) with Professional Bureau of Collections of Maryland, Inc. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I put in a complaint against XXXX XXXX XXXX, PBCM XXXX in XXXX and I asked them in the complaint " Also before they send anything to my credit I need someone to work with me on making small payments until I am able to make larger payments because like I keep telling them I unable to make big payments because I do not make enough. '' PCMB response was " XXXX outstanding student loans were purchased by XXXX : ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4400.00} ; and ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4500.00}. 

The number that called you was from PBCM 's XXXX office. The XXXX number is from PBCM 's XXXX office, which your accounts were transferred to. 

We are willing to accept monthly payments of {$15.00} on each account provided the first payment on each account is received no later than XXXX/XXXX/2016. We will continue to accept monthly payments provided that they are made in a timely manner each and every month. In addition, the payment arrangement is temporary and will be reviewed periodically for an upgrade in monthly payment amount. '' I checked my credit on Monday XXXX/XXXX/16 and the XXXX accounts are listed as Open and in collections. I called PCMB on Monday and spoke to XXXX XXXX ( General Manager in the XXXX office ) My payments were received XXXX/XXXX/16. I pretty much explained to him everything that 's stated here he said he would pull my file and him or his QA would get back to me by the end of the day. No one called me back on XXXX/XXXX/16 so I called back XXXX/XXXX/16 and the receptionist XXXX told me XXXX XXXX was in a meeting for 15 minutes and would get back with me after the meeting. He called me back and I had to call him back due to my phone having issues. I spoke to XXXX XXXX and was informed that XXXX XXXX. ( VP of Operations in California ) would call me by the end of the day and he has forwarded all of my information to him by email. No one has called me back again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CT).
Issue: Other transaction problem

Complaint: Paypal has a permanent block or restriction on my account which prevents me from using it and refers to following message : We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2017 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) The Paypal reps I 've spoken with stated that account is actually closed due to number of disputes filed, some are apparently outstanding as they are requesting information according to the message above. If account is actually closed then I should not be able to log in and the restrictions placed on it actually state I am unable to close it. Needless to say, this does not make sense. Please advise Paypal to either remove block or restriction or simply close account

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I believe I am victim of Mortgage Fraud. Please provide me with the documents listed below to verify your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am complaining about experian credit reporting agency. I have been disputing incorrect information on my credit report with them. Now today I tried to re-dispute the same incorrect information and the system would not allow me to do so. A message came up after I put the items in the cart telling me I have already disputed this information and they will not re-dispute nor re-investigate the incorrect informaiton. I tried to add a personal statement to each one and I was not allowed to do that either. I have complained to the XXXX as well as experian will not allow me to re-dispute incorrect information. To be very specific and not to delay in processing my complaint. The following errors are reporting on my experian credit report : XXXX XXXX : was never paid late. I contacted XXXX at XXXX XXXX and left several messages and never received a return phone call in regards to this matter. XXXX ext : XXXX ... ..XXXX is reporting XXXX seperate loans. This is wrong I only had XXXX loan with them not XXXX ... ..XXXX credit card : never paid late ... .XXXX/ account paid in full before they sent this over to collection. It should have never been sent over to collection in the first place as I paid this account in full. XXXX keeps telling me I was to pay the XXXX and not XXXX directly. Regardless they received the money from me because it was the same account number.

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 04-10-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My purse was stolen and my credit card was charged and check book was used my account was closed with suspected fraud notation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (RI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To make a very long story short, debt collector XXXX XXXX XXXX for XXXX XXXX XXXX is not in the business off collecting debt but stealing funds as they please. They attached my bank accounts and wages 3 years ago. When I called to find out for what account, how much I owed, and why I have n't received correspondence I was rudely spoken to and hung up on several times by a XXXX. I ended up having to go to them in person to have my questions answered and address updated. It was then that I told them they can call me, my phone # has been the same but addresses change. The statement they ended up sending me did not make any sense. The original debt was {$800.00}. Now somehow it 's over {$2500.00}, so I disagreed with what was owed. Also due to the attachment and wage garnish, they were receiving payments from me. They failed to send me records of this. I never received or heard from them for 3 years, no calls and no mail. Time passed by and I forgot about the whole ordeal until another attachment to my bank account was made this time taking close to {$2000.00}. I called this morning to find out how this can be happening again. They said it 's my fault I should of called them when I moved. I called the court to see where they have been sending my mail and it 's to the same address prior to me changing it with them. No one lives at that address, I told them that before. They 've never filed with the credit bureau so I would n't of known that way either. The original debt is over 13 years old, I really do n't know how this still exists. I tried calling to set something up for repayment but again rudely spoken to by the same XXXX. This time I was prepared and did n't allow it to hurt me. I am a XXXX mom with a XXXX XXXX  old baby. This debt collector has not tried at all to contact me effectively. They withdrew every dollar I had in my account, my spouse 's as well because we have joint accounts. My rent is due in a few days, it 's now gone. I 'm out on XXXX XXXX so not working. I 'm only XXXX XXXX XXXX because I believe the Lord is my provider and will get my family through this. I am not disputing I owe a debt but the amounts appear illegitimate and the debt collectors handling is inhumane and unsympathetic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not protect my personal information and allowed hackers to obtain info to use improperly. 
The company failed to notify me for 41 days.
The CEO and other company officials cashed in stock during this 41 days before the stock went down. 
Major credit reporting should be broken up under our anti trust laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mutual Management Services LLC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In between XX/XX/XXXX-XX/XX/XXXX, I stayed in an apartment complex by the name of XXXX XXXX XXXX..I moved out in XX/XX/XXXX-XX/XX/XXXX, I cleaned out and left everything in good standing condition and was told by the manager at that time i would receive my deposit back..I recently started working on my credit and noticed that they have me in collections, I have tried on several attempts to dispute this and each time the results are that " I owe this amount ''. I went into the office in XX/XX/XXXX and spoke with the leasing manager and she said she didn't see how i owed anything and that according to her ledger the complex owed me ( which would be the deposit that the previous manager said i would be getting back ) so she was going to contact the corporate office and for me to come back in 7 days. I went back a couple of months after that and there was new office staff, so I discussed this issue again with new management and was told that she didn't see any reason why I would be in collections because she didn't see one listed and that my file was no longer in the office, so she took my information and said that she would be contacting me. I have yet to be contacted every time I try and call the office I am told the same thing someone will contact me..I know i could possibly not owe this ( 1 ) because I was on Section 8 at the time and when you're on Section 8 before you move to any other property or house you can not have a balance, and my Section 8 paperwork was signed off with a XXXX balance and no property damage. If you could please look into this it will be greatly appreciated, I am trying to remove this off my credit so I may continue to clean my credit and obtain a good credit standing. The amount they're saying I owe is {$2300.00} and also they have this debt listed as JOINT, but it should be Individual because I was the only one on the lease accept for my kids. 

This is the company info : MUTUAL MANAGEMENT SERVIC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX My Name is XXXX XXXX and the address at that time was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My last apartment i rented the slum lord lied i neber even gpt evicted but its on my rental history report. Want to dispute it and get my record cleared

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