milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage was sold, XXXX sold to XXXX. It is being serviced byShellpont Mortgage XXXX. I applied for and was granted a modification in XXXX. by XXXX XXXX The first payment was due XXXX. The agreement states if the next XXXX payments were made on time the modification would be permanent. all payments ( XXXX ) were made on time, I have been making my payments to the new service co, shellpoint on time. They advise me they have no paper work from XXXX, and are waiting. for it They also have no paperwork from XXXX on my XXXX application. which was compleeted in XXXX My home is still in the foreclosure process even though all payments were paid on time. XXXX failed in its obligation to oversee the selling of the mortgage and that it was serviced properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

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 06/14/2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Trouble during payment process

Complaint: I 've submitted multiple times proof of my condo insurance, even send it through "  XXXX  '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage  is needed. Please help!

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 08-02-2016 about Debt collection (Medical) with Southern Credit Adjusters, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX when this all took place so this should n't have went against my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX at XXXX spoke to a rep at XXXX financial services XXXX where I was told they would call my job if I did not speak to them, I then told him not to call my job. The rep intern told me I 'm to worried about them calling my job and I need to handle to issue now. I advise I do not want any calls and to send any information by mail. On XXXX at XXXX I received another call after I specifically stated not to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Due to the economic downturn of the housing bubble, I lost my job, unable to find work due to the economic collapse. Therefore, my wife was working and we tried desperately to re-modify my loan with Flagstar Bank. Flagstar Bank refused to re-modify my loan, resulting in my foreclosure. I also hired a real estate consultant to help me try to shortsale and fax the documents to Flagstar Bank, but nothing was ever done by Flagstar Bank. I feel as though I am a victim, that the house was sold from under me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Cash advance fee

Complaint: I was contacted by Barclaycard XXXX Department advising me that my account ( XXXX ) was blocked and that I needed to go to a banking center and attempt to do a cash advance, and have the bank teller call them to verify my State DL and identity. Which I did and they charged my account a cash advance fee of ten dollars. I put the the money that was withdrawn back to account immiedityly, I contacted barclay to remove the fee, however they stated they will not. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The other issue is that on XXXX/XXXX/2015, I did a balance transfer on the wrong account which was for {$5800.00} to XXXX XXXX XXXX XXXX when I found out it was the wrong account I did the balance transfer I made a payment of {$6100.00}. to take of the balance immediately, however Barclaycard charged me a {$230.00} balance transfer fee as well as a {$49.00} and XXXX interest charge balance fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was identified as being a potential victim of the Equifax security breach on XXXX.XXXX.2017 via their site, equifaxsecurity2017.com. They seriously mishandled my information and the information of others, which puts 209,000 other people at risk of identity theft. They were slow to notify customers of this breach and I would like a resolution, as well as the option of free credit freezing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Please confirm that you and your current foreclosure retained attorneys are debt collectors in relation to their current collection activities regarding my loan. 
On XXXX XXXX, 2015 and XXXX XXXX, 2015, SETERUS, INC. 's, continued with the foreclosure proceeding by publishing notice of the foreclosure sale through their attorneys. SETERUS, INC. 's actions in publishing the notices of the foreclosure sale while a HAMP or other loss mitigation application was pending, is a direct violation of XXXX and XXXX of the Making Home Affordable Program Handbook and Regulation X, 12 C.F.R. 1024.41 ( g ). I do not believe SETERUS, INC., is taking reasonable steps to avoid an order of sale. SETERUS, INC., has the option of filing a notice of voluntary dismissal to allow the loss mitigation application to be evaluated. SETERUS, INC., was actually forbidden from doing any publications to the foreclosure sale because the publications can cause and can lead directly to a foreclosure sale on XXXX XXXX, 2015. Your foreclosure attorneys have also published the sale of the property on multiple marketing sights like XXXX to insure that the sale of my property occurs which I believe is also an error.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Title loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (RI).
Issue: Lender repossessed or sold the vehicle

Complaint: LENDER sold and inspected SUV with check engine light and many other e problems due to kill switch hacked in to harness and plugged into fuse panel so terms are weekly however if i am 24 hrs past due they disable SUV no matter where what and it violate contract law and any logical practice beyond that they charged 400 month i was told 24 months and its actually 36 they claim and the suv is a XXXX books at XXXX maybe they charged XXXX and harass leave you stranded never been more than a day or two except once the bank error but they called we paid 3 payments right then the suv now one yr into it needs tires exhaust check engine electrical battery remote entry messed up

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 05-09-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.

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 01/18/2018 about Student loan (Federal student loan servicing) with Vermont Student Assistance Corporation (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello! 

This is a short complaint and may mirror many other complaints concerning the APR on repaying student debt. 

I did forbear my loan now and then when my wife was in law school. This was many years ago and now I am turning XXXX and still have XXXX of my original XXXX to repay. 

I have paid the Vermont Student Assistant Corporation ( VSAC ) over 30K in interest since I graduated in XXXX. 

My fixed high interest loan pays more to the high rate per month than what goes on the principle amount. 

In XXXX, I paid over {$5800.00} in interest on my loans. 

I have complained before and only got a phone call from a worried VSAC about the complaint. The conversation did not lend any help. It was, instead, management at VSAC again blaiming me while I pay more than my monthly payment per month. 

The management was not able to assist in any manner. I asked that they assist in lowering the already front loaded high rate. No answer. I asked if they would help me since I am a XXXX employee, but I make too much to qualify for income based, 10-year repayment. 

I expect this complaint will be met with the same uncaring, inept managers that are covering their bottom line and hold on to me as long as they can. VSAC is no longer a lender, and appear to be less able to assist than they did back when they were a lender. 

My Senators and Congressman 's office all agree and contacted the Department of Education for me. Further, they assured me that they are drafting ways to help graduates pay for the high interest, front loaded loans. 

At this rate I will most likely carry school debt along with me when I retire. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a chapter  XXXX  Bankruptcy and  XXXX  public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX ,  XXXX , Experian, Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to  XXXX  and Experian asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX    accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX  & f  Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/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 01-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2015 I informed Equifax that the judgment being reported on my credit file was vacated and should be deleted. I received a notice with the above confirmation number that Equifax will not delete it because it is accurate. I have supplied a copy of the docket report showing clearly where it states that the judgment was vacated on XXXX XXXX, 2015. Clearly this investigation is flawed, and/or there is questionable practices being made by Equifax. 
I am making this complaint pursuant to the FCRA, which states that : 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Had car loan with XXXX XXXX XXXX, surrendered car voluntarily in XX/XX/XXXX, item was to have been removed from my credit file from XXXX XXXXand it is now XXXX and it is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Reference to Complaint # XXXX I feel all my questions concerning a loan modification that was done in XX/XX/XXXX are still unanswered. I did n't pay my monthly mortgage of {$1000.00} ( which included principal, interest, and escrow ) from XX/XX/XXXX- XX/XX/XXXX totaling {$14000.00}, then why when the loan modification was done I owed {$32000.00}? Included in that total is {$2000.00} in recoverable expense. I want to know what those expenses were and if they are a ligament recovery item. Thank you for reviewing this matter again. I just want to understand why the amount owed is so much greater than what I would have been responsible if I did make the payments.

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 06/28/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX / XXXX / 16 , I had a   XXXX   XXXX   XXXX   XXXX   XXXX   and was billed {$210.00} from  XXXX   XXXX   XXXX   XXXX . I have paid {$20.00} per month to pay down this debt which should now be a balance of {$140.00}. I received a notice from  Transworld Systems Inc. Collection Agency on beha lf of  XXXX   XXXX   XXXX   XXXX  for {$190.00}. Not only is this the wrong amount, a collection agency can damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a business credit card through  Capital One Business in 2016. Since account opening, Capital One has been incorrectly reporting this business account onto my personal credit report. I have contacted the credit bureaus whom have responded with a promise to contact Capital One. Capital One  has no right to report a business account, in good standing, to the signers personal credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, EQUIFAX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX..  ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO EQUIFAX, XXXX   AND XXXX XXXX I WAS DELINQUENT ON XX/XX/XXXX THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX.  ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX  CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX   DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND EQUIFAX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY EQUIFAX AND MY XXXX XXXX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (I do not know) with National Enterprise Systems, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: When I was first notified of this fraudulent debt years ago, I notified the original collection company that my account had a fraud alert on the account and that I did not believe this was my account. The original debtor cancelled the debt years ago and sent the IRS documentation indicating the debt was forgiven and that I was to be taxably responsible for the forgiveness. I am now being harassed by a collection agency which has, I 'm guessing, purchased the account even though its already been written off and I 've already been held accountable for the tax forgiveness. My understanding is the original company was compensated by the government for the debt and therefore there is no debt to collect, Not to mention no one had ever provided me with any original wet signed documents indicating I was the original signor, which i asked for from the original creditor for years. 

I sent numerous emails and mailing to the original creditor which were never responded to within the 30 day timeframe and there were in violation of my consumer rights back then and now I am being harassed for a debt already forgiven.

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 03/29/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Money was not available when promised

Complaint: I used Paypal to send my friend and her husband, in XXXX {$7700.00} to start a business.They were going to use the money to buy a used vehicle and equipment to get started.Paypal told them they could only withdraw {$500.00} per day and they did for 3 days and then Paypal froze the account so they could not get any more money and they can not send it back to me.I linked my credit card to my Paypal account, because I figured I could pay the monthly mininum payment and would not have to take money from my actual bank account. 
On XXXX XXXX I sent them XXXX XXXX using XXXX because her husband was going to fly out the next day to XXXX to by a car for the business and had to have the money.Cars are a lot cheaper to by in XXXX than XXXX.That money came from my bank account which I would not have used If it was n't for Paypal.

Company response to consumer: Closed with explanation