milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices.

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 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has deleted my whole credit file of 31 years. Their agent told me they found the records & would put it back on file in 3 days. It has been weeks & they have not done soXXXX Transunion XXXX refused to take XXXX 's credit information from XXXX 'S credit rep for XXXX accts I have with them. Only XXXX is reporting my credit info correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Advertising and marketing

Complaint: I was emailed a marketing message from Citibank stating that I may be eligible for a credit limit increase and that " a credit bureau inquiry is not required ''. I followed the steps and applied for a credit limit increase but Citibank still pulled my credit report and created an inquiry on all XXXX bureaus anyway. I have since contacted Citibank to try to rectify the issue but they have told me that they will not remove the inquiry because " their message must have told me that they would be pulling my credit '' even though I have proof that it says the opposite. I believe this clearly represents a XXXX violation as they deceived me by stating that my credit would not be affected and it subsequently was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (MD).
Issue: Credit decision / Underwriting

Complaint: I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with STONEGATE MORTGAGE CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Stonegate Loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Filed We started a short sale with Stonegate On XXXX XXXX, 2016. Last evening, XXXX XXXX, the homeowner received a call from Stonegate 's debt collection department. The male on the phone was very rude. He stated Stonegate was understaffed, not going to work on a short sale, and they were going to foreclose on XXXX XXXX unless the homeowner gave him in excess of $ XXXX immediately. This homeowner is understandably distressed by this action on the part of Stonegate. 

Aside from the lack of professional exhibited by the Stonegate rep, there are also several legal issues with this event. The Fair Debt and Collection Act has been violated in several ways. Harassment of the owner of a home and using intimidation in an attempt to coerce a current client. Threatening foreclosure on a home that has not yet been referred to an attorney ( we spoke with Stonegate staff on XXXX/XXXX/16 and verified this ). Stating Stonegate is understaffed to the point of inability to fulfill their servicing obligations and they are just going to foreclose on the homeowner. 

To top it off, this is being done to a Veteran with a VA Loan. Is the XXXX XXXX aware that Stonegate lacks the staff to service their mortgages in accordance with their servicing contract? 

We have since spoken with a rep in the short sale department who was disturbed that this had happened. Their supervisor has been apprised of this situation. 

It is obvious that Stonegate is doing this not only our client but all of their clients. The CFPB was created to end this kind of fraud. When is Stonegate going to be closed down?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015 an auto pay was set up for equity line with Suntrust through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with Suntrust for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until end of XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: XX/XX/17 - I applied for an American Express Blue Cash Everyday Card. <P/>XX/XX/17 - I received a denial letter from American Express Blue Cash Everyday Card. They stated American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I informed American Express that I dont remember previously having an account with them and asked they send me a copy of the account ( s ) including : Name of account ( s ), Account  numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - I received a second letter again stating American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I again asked them to submit me proof that I ever had an American Express account by sending me : Name of the account ( s ), Account numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - Again they ignored my second request for proof from a previous American Express Account and stated they would request Experian to suppress the inquiry from my credit report.

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. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data has been breached in the recent XXXX incident as confirmed by equifax. 

There does n't appear to be any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NJ).
Issue: Problems when you are unable to pay

Complaint: Lowes XXXX XXXX XXXX calls every day demanding we pay in full on the phone today. Payments are set up in the computer and are taken out every 2 weeks. A payment was posted today ( XXXX ) and they still call demanding we pay in full now. We should not be getting phone calls if we have payments set up online to automatically to come out and see they have been coming out. The other problem is you talk to someone in XXXX who does not understand you, speaks broken XXXX and uses a fake name to represent themselves. No one looks at records until you are basically talking down them after tey have totally frustrated you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (TN).
Issue: Account opening, closing, or management

Complaint: This is a follow up, with additional information, to Case number : XXXX In the original complaint, I stated that I was reapplying for the line of credit ( per US Bank 's instructions ), so that my interest rate would be based on the correct credit score. However, I received a piece of mail from US Bank today reflecting the credit score used for the reapplication. It reflected it at XXXX credit score as of XXXX/XXXX/16. However, I now have proof from XXXX that my credit score was XXXX as of XXXX/XXXX/16. While I was trying to give them the benefit of the doubt in the first place, it now seems that they 're systematically shaving XXXX points off my credit score prior to determining the rate. This is absolutely ridiculous, and I 've now spent hours on the phone trying to get some resolution. US Bank barely even seems to be able to understand the problem, let along who can or how to fix it. Please see attached documents.

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 07/22/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (I do not know) with Colony Brands, Inc. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been paying XXXX XXXX and XXXX 's online catalog companies which are the /same company just 2 different divisions. I contacted XXXX 's spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX 's and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX 'S DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX 'S THEMSELVES. I THEN CALLED XXXX 'S CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX 'S AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.

Company response to consumer: Untimely response
Consumer complaint received 05/25/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit determination

Complaint: Applied for Synchrony Bank Gapcard on XXXX XXXX, 2013 and was approved. Synchrony hardpulled my credit on that same date. It has been more than two years since then, and by law, this inquiry should be removed from my credit report. After looking yesterday, it was still on. I called yesterday and this has still not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has been reporting mortgage loans from XXXX and XXXX with XXXX digits that are not mine. These loans were unilaterally created by XXXX and XXXX in XXXX 2011 thru XXXX 2011 and reported these loans as new loans applied for by me. they reported these loans the same way to XXXX and XXXX. none of these mortgage loans are mine and I never applied for them and never settled on them. they are new orginated loans unilaterally by XXXX with illegal account numbers that are not compliant with federal reserve regulations or XXXX practice in the banking industry. the only time that consumer protection laws and XXXX regulations allow for XXXX digits to be used for mortgage loans is for internal reporting and computer data storage only. not only is Equifax violating the FCRA but also colluding with XXXX bank and XXXX allegedly to report false mortgage loans while these loans have never been settled and have no loan docs for them attached is my attorneys second letter to Equifax that is stonewalling me on this issue. in addition the report shows that Equifax is making hard inquiries on my credit from their mortgage services company which I never applied to for anything which lowers my credit score significantly besides the false information about mortgage loans and reporting that I applied for these loans which I did not. Equifax is also in violation of their agreement with XXXX partner New York State Attorney General 's settlement agreement with Equifax that they will not continue to maintain false information on anyone 's credit file XXXX they continue to do this without impunity or enforcement or fines from any financial regulator or the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (TN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On  XXXX / XXXX / 17 , I spoke with a representative claiming to be a representative with  Navient Department of Education loan. I found their number through the   XXXX   search engine. The number actually called is a different one listed on the main search engine page. Once it was called, it switched to a new number. The representative asked if I was aware that FASA req uired an updated account with a new number. She said her name was  XXXX  and she would need my updated email address, social number, and annual as well as monthly income in order to speak with me about my loans. She made me read off  XXXX  confirmation codes received via email. She then held  a 15 m inute conversation with me concerning the reason I had been approved for loan forgiveness and requested a {$600.00} payment in order to freeze my current loans. I denied this option, and she asked if she could call me back in one week at  XXXX . I told her no, I was not interested and hung up the phone. She put me on multiple holds and has continued calling me from multiple numbers claiming to be part of the  XXXX   XXXX   XXXX . A few of the numbers are  XXXX  ( based in  XXXX   XXXX , fl ),  XXXX . I contacted  XXXX  to reset my password & username along with new security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Medical) with ONLINE Information Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid the debt that was owe but did not get in formal information on the balance until I pulled up my credit report. I called that company to at least try to remove the late payments and rep was rude about it. I did state to the company if they can remove the late payments off the account because it would not been late if I receive the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection company LVNV Funding, LLC on behalf of XXXX XXXX XXXX. is trying to collect a debt that I do not owe. The amount they claim is {$16000.00} from XXXX 2017. I send letters to LVNV Funding,  LLC asking them to verify this debt and they could n't verify it. They still report this collection account as mine to credit bureaus.

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 05/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX confirmed they are no longer reporting an account on my credit report and should be deleted. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Equifax several times of inaccurate information listed and nothing is being done about it. There is a name listed which is XXXX XXXX which my name is XXXX XXXX and accounts listed which do not belong to me. Please help they are doing nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I listed my house for short sale due to the banks inability to negotiate a loan mod, that loan mod has been going on for XXXX yrs. ( 2009 ) so as I was mentally exhausted from the ordeal I tried to sell my house via short sale and I feel they delayed the deal due to incompetence and we lost the buyer. They took over XXXX months and still have not accepted or denied the original offer. I thought they had XXXX or XXXX days to conclude the process?? I would like someone to validate their efforts or recognize their inefficacies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX I verbally filed a complaint about daily harassment calls with FTC Consumer Fraud Division File XXXX XXXX XXXX XXXX on ERC Debt Collection Agency. A recorded message asking for " XXXX XXXX re claim XXXX XXXX. If I am not XXXX XXXX disregard this call if I am call XXXX XXXX XXXX. '' On XXXX XXXX I talked with a ERC rep and told them I am not XXXX XXXX and to stop calling. ERC continues to call daily. 
Times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This is to update you with more info re my complaint # XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: A credit card with capitalone which I had for 13 years was closed due to inactivity without warning. As this affects my credit score based on length of account history I requested that the reopen the card. They claim they can't and have been pushing me into new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TENET HEALTHCARE CORPORATION (GA).
Issue: Unexpected or other fees

Complaint: I have XXXX and the bills were supposed to be pay through XXXX but they never reported the bills to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation