milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a Short Sale on my home from Shellpoint Mortgage Services. The closing was set for tomorrow, XXXX XXXX, 2016 but had to be adjourned because of issues with Shellpoint. I have had to submit numerous documents multiple times to them because they kept saying they did n't receive them or were the wrong form, etc. I have called my representative at Shellpoint numerous times and she never answers the phone and never returns calls. Then she went on vacation and no one else seems able to help. It is my contention that they have received all the necessary paperwork, etc from me and my attorney but due to their incompetence the deal keeps getting delayed. Shellpoint already approved the Short Sale conditionally but we had to adjourn the closing because they say they did n't get certain forms back in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong Address reported : I do not nor have I ever resided at XXXX, NV XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit collection company showing account for XXXX XXXX XXXX on my report and my wife 's report. We have contacted XXXX XXXX XXXX and no response so far. Need help in removing this collection of our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Despite the evidence I have provided concerning the violations of both  Federal Law an d Florida Statutes that have been committed in the handling of the debt assigned to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -- which extend to committing mail fraud in an effort to cover up said violations -- th e 3 pri mary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute  83.39 (  a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than  two month s afterward and then feloniously intercepted it with the h elp of the Carrier for the route -- who was obligated to forward my mail on a p ermanent basis as of  XXXX / XXXX  /2016  -- in an effort to prevent me from finding out about it ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A couple months ago I became aware of the existence of a credit card opened under my elderly mother 's nickname listing me as an authorized user. I believe her caregiver snagged the card from the mail and activated them. My mother nor I have ever used these cards. I have been sent in repetitive circles by the credit card comapny trying to get this issue investigated as the fraud it is.

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 05-04-2017 about Student loan (Private student loan) with CITIBANK, N.A. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I 've had a student loan with  Citibank  since  XXXX .  Citibank  wrote me a letter in early   XXXX   XXXX   informing me that effective   XXXX   XXXX   XXXX  , my loan would be transferred to another lender  (  XX/XX/XXXX  ) . However, when I attempted to contact  XXXX  after that date, they informed me that they had no record of my loan. I believe that my loan was paid in full sometime  in  XX/XX/XXXX , but I have not been able to get in touch with anyone at Citibank to receive confirmation of the status of my loan. Citibank has shut down their online customer services, so I can no longer log on to my account. Citibank has also shut down its call-in number, so it 's impossible to get a customer representative on the phone. I 've written Citibank a letter asking for information regarding the status of my loan, but have not yet heard back. As my lender, my understanding is that at the very least, Citibank should be requi red to provide information to me about whether my loan has been paid off or if not, who it has been transferred to.

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 06-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Chase bank has begun installing new ATMS that arbitrarily cancel my previous arrangement with the bank, that compromise my privacy and that potentially increase my security risk. 
I previously made explicit arrangements with the bank to link my debit card to only the smallest account among XXXX I have with the bank. These new ATMS -- and I have confirmed this with branch representatives -- automatically display all XXXX accounts and their balances on screen for anyone nearby to see, AND all XXXX can be withdrawn from, eliminating the protection I had arranged by only tying my debit card to the smallest balance. 
I have complained at XXXX different branches and each time received the same response : The branch representatives are hearing many complaints from customers and forwarding the complaints to corporate offices ; they tell me they will get back to me. 
I never hear back and the decreased privacy, the increased risk and the arbitrary services change persist.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Cashing a check without an account) with PNC Bank N.A. (IL).
Issue: Using a debit or ATM card

Complaint: My landlord wrote XXXX check to return our security deposit to my roommate and myself. He clearly wrote pay to the order of ( XXXX ) AND ( XXXX ). PNC bank cashed the check out to my roommate without my consent or presence. They should not have released the money to her without my permission also. Her and I ended on bad terms, thus, she will not give me my portion of the money. I contacted PNC multiple times about this issue and they have not done anything to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Experian reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Experian can change the balance owed to zero ( XXXX ) and take the word dispute off 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 10/19/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: Carrington Mortgage reported 2 late payments on my credit report for both XX/XX/2015 and XX/XX/2015. The property was being rented for the previous 4 years and was sold XX/XX/2015 leading me to believe the late payment marked for XX/XX/XXXX was erroneous. I followed the instructions given to me by the mortgage company in resolving this issue but they said they can not give me a phone number for the department that is responsible for resolving this issue. I am now having great difficulty in acquiring a new mortgage for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Credit decision / Underwriting

Complaint: Capital One provided me mortgage disclosures at application, which they required me to accept before proceeding, and which I accepted, and provided an updated disclosure two weeks later that did not indicate the required XXXX insurance would be escrowed while taxes would be escrowed. That was acceptable to me. However, now that Capital One has processed my application, they are demanding that the insurance is escrowed. I object to that change ( not to maintaining the XXXX policy ) and have been told they can not " separate '' the insurance from the taxes in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC has been on all XXXX of my credit reports for an alleged debt they bought from XXXX XXXX in the amount of {$130.00}. This has been listed since XX/XX/XXXX. 

I sent an email to get more information and get this validated by ERC on XX/XX/XXXX. I never got a response. 

I got an alert today that a new collection item was added to my credit report. It is the same debt from ERC in the same amount being reported as new as of XX/XX/XXXX. 

This is a violation of my rights.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan that is being serviced by Sertus ( XXXX ). I received XXXX statements with an adjustment of principal. I have been informed for the XXXX time that the company does not amortize mortgages, and as such, can not furnish me with an amortization schedule. If the individual is not making any additional principal payments, this would not be a problem. However, I do make extra principal payments, and by not amortizing the mortgage, the mortgagee will be paying interest on a nonexistent principal balance and will be overcharged as a result. I have attached the following mortgage statements. As you can see there is an adjustment of principal paid, but no adjustment to the principal balance. My work number is XXXX. My mailing address is on the statement. Please advise as to what action you plan to take with respect to the above. 
XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I tried to use my temporary debit card as my card was frauded on XXXX XXXX. It was decilined both in and out of the gas station. We then call customer service at XXXX XXXX to be told my tempary card has been shut down only good for 30 days saying I have to go to bank to get another temporary card a 25 mile trip one way. That is unacceptable as we called about permant card and not having it on several occasions. was told hurricane delayed things jusdt wait nothing again about the temp card only being good 30 days. This is not right at all never informing me it was going to be shut off. Not giving me access to my money costing me money to have to go get another temp card. Very upset.

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 08/18/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MN).
Issue: Settlement process and costs

Complaint: We closed on our Minnesota home cash out refinance mortgage with USAA on XXXX XXXX. It was a reschedule from XXXX XXXX, so we ended up having to wait an extra day for the rescission period to end over the weekend for disbursement on XXXX XXXX. Well it is now the XXXX and the money has not been wired to our bank, nor has the original loan been paid off. 
The disclosure statement, which we did n't receive until the morning of XX/XX/XXXX, when I demanded it, had an additional 7 days ( from disbursement date ) of interest to the previous lender built into it. Then yesterday on XX/XX/XXXX they tell us we have to sign an updated disclosure ( which I have attached ) because they have to account for the extra fee to extend the lock which they were paying for. I have been asking for our funds since Tuesday and was told yesterday by our processor that the new signatures would not hold up the disbursement. Ok, then where is our money?? Can they really just keep holding our money and making us pay interest on all of it while they take their time in disbursing. Do n't let me get started on the rest of this horrible process. Worst refi I have ever been involved in!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with BANKUNITED, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced loan without understanding what kind of mortgage it was and the settlement company which rip off me is already out of business, they told me they will reduce my mortgage and convince me to get this loan, at that I was struggling with my mortgage so I refinanced the loan and it was in 2005 and mortgage company was bankunited. I got {$370000.00} loan from the mortgage company and maturity date was XXXX and now I am still with the company and still have loan of {$360000.00} and maturity date is XXXX, I am not understanding why I am paying so much interest for same house and why my principal is not lowered in 11 years, please help me get this answer, I contacted them so many times but I did not get any specific answer, please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have had my identity stolen. The Experian dispute processing is not consumer friendly. You can not dispute online, ( as soon as you select " identity theft '' as the cause for your dispute, the system prevents you from submitting and demands you call their XXXX number ). Once you call the listed XXXX number, there are NO options to talk to someone or report identity theft. It directs you BACK to the website. 

I had to submit the dispute as a 'regular ' dispute and indicate identity theft in the comments and provided supporting documents. The dispute result took only XXXX hours, and they declined to acknowledge the dispute as valid, and the fraudulent activity remains on my credit report. 

I have had the SAME issue with XXXX, but the results took longer than XXXX hours. XXXX is the ONLY bureau to actually assist me, and the only bureau to have human customer service agents on their XXXX numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was falling behind on my mortgage with Ocwen. So at about XXXX days behind, I contacted them to tell them I had lost my job and was now working for a lower wage, but I still wanted to save up money to make a payment. They told me I legally had XXXX days to make a payment. So I scrimped and saved, so as the XXXX day was approaching I found that I would get paid my last portion that I needed on the XXXX day. I called Ocwen on the XXXX day and asked them if I could submit my payment on the XXXX day. They told me that would be fine. So I wired my payment from my bank ( XXXX/XXXX/15 ). They subsequently sent it back to me on ( XXXX/XXXX/15 ) and told me that I was too late and that now I owed $ XXXX+ dollars which I did not have. Since then I have been trying to work out a modification which they denied and find myself possibly facing foreclosure. They said that never received the funds. I have proof of the wire activities via my bank. They have ignored this and are proceeding to try to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Received a debt collection call on XXXX XXXX XXXX. Notified Professional Debt Mediation over the phone that I disputed the debt and that I wanted complete proof. XXXX XXXX then continually asked for my email address even though I specifically stated numerous times I want the debt sent by mail, not electronically. He became very apparently annoyed by this. He then asked me if I was in the military, which I told him was not relevant to this debt. He responded to this by saying it is relevant, and asked if I was aware how having a debt can relate to the XXXX XXXX of XXXX XXXX. The tone and vocabulary he used sounded as though he was threatening military punishment for this debt. 

After this call, all they sent me was a letter showing the amount of debt XXXX {$160.00} XXXX and no proof. They did not send me proof until XXXX XXXX. This packet included that my former leasing office was keeping my security deposit and further charging me for damages. In that letter, the debt collector stated that they would not call me any longer. They called me again on the XXXX of XXXX, XXXX and XXXX of XXXX. 

I still dispute this debt and do not believe I owe the amount specified.

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 10-06-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After a review of Bank of America and their third party representative issued documents, it has come to my attention while the current single point of contact was previously assigned as the single point of contact in XXXX XXXX through XXXX XXXX, this home loan mortgage account was incorrectly tagged, coded, and forwarded to foreclosure resulting in the XXXX XXXX recorded Notice of Default and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Apparently, XXXX was allowed to purchase the mortgage note once XXXX XXXX XXXX XXXX XXXX XXXX represented the home loan mortgage account was active in foreclosure. 
Sometime in XXXX XXXX, Bank of America through their third party home loan servicer, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, incorrectly authorized this home loan mortgage account to be removed from the modification, loss mitigation, and workout processes and began the foreclosure process as evidenced by the Bank of America form entitled California Declaration of XXXX XXXX, XXXX and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Bank of America representatives XXXX XXXX along with Assistant Vice Presidents XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, all played active roles in removing the Cease and Desist Collections tag and code placed on this home loan mortgage account on XXXX XXXX, XXXX from this account clearing the way for Bank of America violations of various established consumers protections including, but not limited to, RESPA and TILA enforced by Regulations X and Z, MHA HAMP guidelines, and the XXXX enforced by the California Homeowners Bill of Rights ( CalHBOR ).

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 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

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