milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have an elderly Client, on a fixed income and currently is upside down on her 2 Mortgages. I worked very hard to obtain a fair and reasonable offer of {$290000.00} which was based off condition and location. After weeks of obtaining requested Estimates per 1st Lien Holder Shell Point, the estimates where sent in equaling well over {$240000.00}. Now to be told the Investor of XXXX does not look at condition or location for current market value, they look at the Asset. My Client and myself have now received a rejected Offer to Purchase, and have been required to re-list my Client 's home at a much higher price then it would ever sell for of {$420000.00}, and enforcing a Deed and Lieu of Foreclosure, and still owing the deficiency is uncertain. It was clearly stated to me by Shell Point 's Associate that XXXX will then renovate the property and return the property to the active market after the deed n Lieu is established. This type of act is clearly keeping our housing market and assisting in spawning our Communities housing Crisis. Allowing such Investor 's to entrap these Borrower 's into a Deed in Lieu leaving them homeless and owing who knows how much money after the fact, is a far cry from Helping our Homeowner 's in financial distress. This is Consumer abuse at so many levels. Where XXXX dollars in profit is being made at the expense of the Consumer 's in financial misfortune, and have NO Assets to go to. No other options have been provided to my Client, and the phone calls just keep coming in from Shell Point trying to enforce the Deed in lieu, prior to a Sheriff Sale on XXXX XXXX 2017, enforced by XXXX XXXX XXXX who was the former servicer of my Client 's Loan prior to Shell Point. My Client has tried to do the right thing, sell the property. After being told originally from XXXX XXXX XXXX, to stop making her monthly mortgage payments, she received an accepted modification from XXXX lowering her payment by {$300.00}, to only know the Borrower could not afford those payments either, now the financial road just caved in even more, leaving her not able to make the payments, or make up the past due payments she was told to stop paying. The Average Consumer, does not know the Mortgage guidelines of these so called Assistant Programs. At this time my Client prays for a workable solution, based off this information provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.

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 07/26/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Use of a non-Suntrust ATM charges a fee to the withdrawing bank ... understandable. But now Suntrust is also charging the same fee on the backside ; what a gouge!

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has NOT processed any of my paperwork and failed to notify me every single time. They have continually created obstacles for me. The only reason I know that nothing continues to be done is because I am persistent with calling. They have continually created obstacles to repayment by providing bad information ; processed my payments and paperwork incorrectly ; failed to act when borrowers I have repeatedly complained ; illegally cheated me out of their rights to lower payments. And for some odd reason my student loan amounts continues to grow even though I 'm not in school and I have processed paperwork on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Loan is with American Education Services Acct # XXXX I 've only had one day of work since XXXX and got behind on my payments but I was never 30 days behind. The last XXXX payments have been for more than my minimum payment in an effort to catch up. Last week I started getting phone calls from something called XXXX Bank about my account. I just called AES and a representative claimed my account was 34 days late. She could not find my last payment of {$95.00}. My minimum is {$82.00}. I made the payment online through XXXX bill pay on XXXX XXXX the same way I 've been making payments to them since 2011. XXXX indicates it should have arrived on the XXXX. Today is the XXXX and AES is not showing the payment which is making me over 30 days late which is not correct. The representative demanded I send tracking information from my bank which I refused to do. AES is notorious for not crediting payments in a timely manner and this time I caught them red handed. Please have AES credit my account in a timely manner and remove any negative credit reports they 've made in the last few months. I 'm almost done dealing with this criminal organization and I would appreciate you keeping a close eye on them. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with Crow Creek Sioux Tribe (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I am aware of how much they deduct from me Until I start noticing why my balance is still the same amount like it goes in circles, never ending payments. After I pay {$440.00} something dollars on due date, after a week before the next due date my balance is going up again the same from the last time I paid. The interest is so high so I did call a toll free number to verify if this company licensed, and to my surprise an agent said the company is not licensed at all. I am from California, the amount I borrowed was {$500.00}, at first the pay back amount was {$170.00} dollars every two weeks, 20 times, as it was stated on the agreement. Then after I paid my very first payment, there 's an option ontheir website called " loan up '', where u can borrow again but less than to what u first borrowed, and did that few times until the agreement change from {$170.00} to {$440.00}. My main concern is is this legal In California? The interest is so ridiculous high. And it is not licensed. I dobtk ow what to do anymore.

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 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2014, I moved to a new residence where I paid my last bill owed, but tried to transfer my service with XXXX. XXXX came out and could not find a line-of-sight to connect my service, and I was not allowed to have it per my landlord/tenant rules I was unaware of which deemed my contract null and void. My chapter XXXX bankruptcy was not discharged until XXXX of 2014 so even if this all had not happened I would still owe XXXX nothing. They continue to send a bill to collection agencies, and tamper with my credit illegally. The new agency they sent false info to is at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Money was not available when promised

Complaint: In XX/XX/XXXX I signed up for an account with XXXX at XXXX and linked my TD Bank account to auto debit {$200.00} each money into my XXXX investment account. On XX/XX/XXXX, the last of the {$200.00} deposits were transferred. Since that date, XXXX is claiming that TD Bank is blocking the linked auto debit. I have received two noticed of the issue with TD Bank from XXXX over the past 2 weeks. I spoke with 3 different departments at TD Bank today, XX/XX/XXXX and was told that there is no indication of a block on my account and that XXXX has not attempted to retrieve. This is incorrect according to XXXX and the auto notifications I have received from them concerning the blockage of transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had applied on line for a small personal loan. The amount was {$5000.00} I was approved and was sent a bank cashiers check from XXXX XXXX for {$4800.00} I dont know why it was not for the full amount of {$5000.00}, but I thought maybe it was for fees involved. 
I went to my bank Bank of America to deposit it, on XX/XX/2018 I showed it to the teller and asked her if it looked ok, and she said yes it looks good. 
So I deposited the check. 
The check did not clear, they told me it was a fake check and they closed both my accounts I had with them. 
First of all I have been in business for myself for 41 years. I take extreme pride in my work and I have always done the right thing. 
Second why would i deposit a check I know is fake, I mean come on really. 
Like I said I always do the right thing and am highly insulted that they think I would deposit such a check. 
Over the years I have for business purposes received small loans and merchant loans. 
I dont understand the motive behind the fake check they did not charge me anything so I don't get it why they would send me a fake check. 
I called Bank of America and spoke to someone about the situation and explained the whole situation that obviously I did not realize it was a fake check and if I thought was fake I wouldn't even attempt to deposit it. But Again I showed it to the teller initiation was fine. 
The woman I spoke to was very rude to me and treating me like a criminal, it was very upsetting I didn't get her name really wish I did. 
She told me I could never open another account at Bank of America and I will be on XXXX  for the next five years I find this to be totally unprofessional and not fair, I am an honest hard-working businessman and to be treated like this wrong and its effecting my business and lively hood. Being on XXXX will affect me financially because being self-employed I use my bank accounts for Business. 
I would like my 2 bank accounts reinstated and be off XXXX Thanks

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 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Balance transfer

Complaint: Chase is blocking balance transfers on card with XXXX balance, no reasonable explanation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with DCN Holdings Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: OnXX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX This company called XXXX XXXX called me to tell me I own XXXX  XXXX XXXX XXXX money back in XX/XX/XXXX. They told me they were a collections company and said that they needed me to resolve this matter today or else. 
I ask for there name and they said it was XXXX XXXX ( it did n't sound legit ). I them ask for there business license # for that it was placed on supposedly on hold. This gal came on the phone yelling and telling me that I was going to have to pay, and they did n't want to give there business license to me. I had to look it up myself! 
That became a screaming match. I informed her that this was already resolved and I had proof of it! I told her to give me her fax # so I could send her the proof to which she said that I had to send it e-mail to her. No way was she going to get my email address so if she did n't want to give me the fax # that was not my problem. 
Here is the phone number that I blocked ( XXXX ) XXXX I hope you get these scammers! 
Thank you for checking this out. 
Respectfully XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as XXXX in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Auto debt) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: My debit card was compromised the week of XXXX. I made the decision to close my accounts. About XXXX I removed all my funds and closed my savings account. I requested no further transactions be allowed until the final fraudulent charge of {$5.00} was cleared. My account should have also been marked to not let any charges through if there were insufficient funds as this is ALWAYS the option I choose. 

A charge from my electric company was allowed to go through and the fees began. Including a fee for trying to transfer funds from my checking to my CLOSED savings. 

On XXXX I noticed the issue and called. All the fees were waived and I was going to pay the funds for the charge of {$84.00} the next day. But more fees were added that night. I went and paid the {$84.00} as agreed and was told my account would be closed. 

Now more fees have been added. I had one autopay from XXXX XXXX that I had not realized needed to be moved. But had the account been closed in late XXXX as requested it would n't be an issue. The balance is - {$88.00}. I have tried multiple times to resolve this issue over the phone. The last call with a supervisor was disconnected and I was not called back. I do not feel I should have to call again and explain again. I want my account closed. I feel that Compass has acted punitively for me trying to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On or around XXXX 2015, Merrill Lynch gave away around $15,000 dollars without doing as much as a check on on who the beneficiary was, which would have been and easy to deny the person the right to cash out the money. I was wrongfully being prosecuted by an OCDAs  office that is all over the newspaper for being involved in this behavior. The case is due to go to Federal Court, where a Federal Magistrate already agreed the state was biased.

	My power attorney went to Bank of America in XXXX XXXX, California where the Bank Manager was very uncooperative and even lied that the Merrill Lynch was closed, and refused to work with him. I got a court to make phone calls and in or around XXXX 2015, I got through to Merrill Lynch after they covered up and would not give any information on the phone. In reality what could they say? They would have admit they just make it as easy possible for people to steal money when all they had to do was a check on who the beneficiary

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 09/14/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax fail to delete wrong information on my report.

Company response to consumer: Closed with explanation