milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (LA).
Issue: Trouble during payment process

Complaint: Back in XXXX of XXXX my mortgage company XXXX XXXXXXXX XXXX sold or transferred my mortgage loan to Shellpoint Mortgage Servicing of XXXX, Texas with out notifying me. At that time I was 3 payments behind on my mortgage and struggling to catch up on my payments. On XX/XX/XXXX I received a intent to foreclose letter from Shellpoint Mortgage which was dated XX/XX/XXXX. I immediately called Shellpoint custome rservice to inquire about this. 
A service rep by the name of XXXX XXXX instructed me that Shellpoint Mortgage Servicing was intending to foreclose on my home. I told him that I would be receiving some money before XX/XX/XXXX to make the past due payments of around {$9400.00}. XXXX XXXX told me that would be ok and would prevent my home from going to foreclosure ... On XX/XX/XXXX I received the money needed to get my mortgage payments caught up. I then called XXXX customer service to make a phone payment. The rep told me that my home was in foreclosure and she would have to call me back with the past due amount to reinstate my loan. Two days later, I was told my Shellpoint that the amount needed to reinstate my loan would be around {$14000.00}. I was 4 payments past due plus foreclosure fees of about {$2800.00} due to XXXX XXXX, XXXX. I complained but made the payment of around {$14000.00} via the phone. On XX/XX/XXXX I faxed and emailed a dispute letter to Shellpoint Loan Mitigation Dept concerning this matter and requested that they reimburse me the {$2800.00} in foreclosure fees they paid to XXXX XXXX, XXXX. I finally received a certified reply letter from Shellpoint Loss Mitigation on Saturday XX/XX/XXXX denying my claim. Since my loan was reinstated in XXXX, XXXX, I have not missed a payment, Last week I received my XXXX mortgage statement via regular mail stating that I had an overdue payment of {$950.00} plus my monthly payment of {$2200.00} for a total of {$3200.00} that is due by XX/XX/XXXX. I called Shellpoint customer service automated payment line on XX/XX/XXXX to make my payment, they stated that the amount due was {$2200.00} which I paid from my bank account. Later complained to the service rep about the additonal {$950.00} for title fees, which was new to me. Service rep said there was nothing that could be done about it. Appartently, these were additional fees they tacked on from the foreclosure. Please help me. Shellpoint is trying to get me back in foreclosure. My Loan # is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Payday loan () with Chaplain Financial Services LLC (NJ).
Issue: Received a loan I didn't apply for

Complaint: There are several numbers used in this scam, but they all go back to a XXXX, which does not seem to exist, except as a XXXX. in XXXX and Georgia. The XXXX numbers I have been called from are XXXX, XXXX and XXXX, XXXX,XXXX, XXXX and the XXXX women that continuously harass me are XXXX and XXXX and XXXX. Between them, they probably call me 8 times a day. 
They claim that I owe a payday loan debt from 2011, in the amount of {$1300.00} through XXXX. I have NEVER taken out a payday loan, but they said all things lead back to me and my information, therefore I am responsible and I can not fight it, it 's too late. 
I told them i refused to pay and asked for a Debt Validation Notice or the documents with my signature. She informed me that they do not have that information and can not get it, that I should have received it from the original debtor. They never answer the phone with the name of the company, it 's always litigation or their name. I believe they are calling from cell phones! 
I asked them to never call again, they will not get a dime from me, she tried telling me they will send it for prosecution. Yet, they ca n't even explain why it took them XXXX years to finally contact me if I owed such a debt. TOTAL SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: USAA erroneously duplicated the images of an electronic check deposited that in affect deposit XXXX check twice versus the XXXX checks i was attempting to deposit. After becoming aware of the error and informing the bank of the error USAA eventually deducted the duplicate deposit and forced me to redeposit the missing check. After 2 weeks USAA again deducted the deposited check from my account and then charged fees and deducted funds from other accounts to cover the short fall. USAA refuses to fix their duplicate deduction despite admitting the issue and " submitting '' paperwork to resolve the issue. Every time I call back I get the specific transaction was n't an error. Sorry we 'll have to resubmit. MY accounts were fraudulently deducted credit the money and USAA refuses to fix it. It has been over 30 days since I first contacted USAA about this issue and they continue to give me the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recieved this parental loan in 1995, I had borrowed over {$9000.00} and have repaid {$13000.00} I still have an outstanding balance of {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Experian will not allow for " identity documents '' to be uploaded to verify identity to obtain a FREE ANNUAL CREDIT REPORT via " XXXX ''. Getting through to a human being at " Experian '' is IMPOSSIBLE!

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 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I pay all my bills on the first of the month, as I have for decades, which is why I never get late fees. A few months back I paid my bills on the first as usual, but there must have been a problem with the mail because CITI says I got the bill late and docked me a late fee of {$38.00} for a charge of {$15.00}. I called them up and they would not waive the fee after fifteen years of never making a late payment. There should be some wiggle room here because the United States Postal Service is not infallible. Also, the late fee should not exceed the amount owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ... 
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: When I saw ( Year of birth XX/XX/XXXX ) on my Experian credit report I was shocked. I was born XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm writing regarding a lien which was released and withdrawn by the XXXX on myself and my wife XXXX XXXX XXXX. The lien was recorded on XXXX/XXXX/XXXX, released on XXXX/XXXX/XXXX and withdrawn on XXXX/XXXX/XXXX. On XXXX separate occasions, my wife and I requested the lien be removed from our Equifax credit report. XXXX times Equifax refused to remove such. Today I called their toll free number and was told that it could not be removed until XXXX. 
Respectively, this is unfair and unacceptable. Upon notification of the tax withdrawal, both of the other credit rating companies completely removed the adverse information from our reports. I am hereby requesting your assistance in removing the information from my and my wife 's Equifax credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My daughter ( XXXX - Cust ID XXXX ) has student loans originally Citi Bank and they were sold to XXXX Student Loans. There are XXXX student loans with the bank and has been forced to pay XXXX separate payments each month. I am a co-signer ( XXXX XXXX ) on the loan and when I contacted about the issue, XXXX states that Citi Bank will not allow them to consolidate the loans so that my daughter can pay a single payment per month. All of these loans are with the same bank and yet they are billing all XXXX payments for each month separately creating a large payment per month that she can not afford to pay. Below is a list of the loans and the payments due each month : Loan Number XXXX, {$180.00} ; Loan XXXX {$100.00} ; Loan XXXX {$100.00} ; Loan XXXX {$140.00} ; Loan XXXX {$110.00} ; Total per month = XXXX. This amount per moth is unaffordable. Can something be done about this situation? We are trying to repay our student loan debt but the bank 's policies are unreasonable. It feels like they are deliberately setting families up to fail. Please help!! We are close to defaulting on the loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: OnXX/XX/XXXX, 2017, received by all XXXX credit reporting companies by XX/XX/XXXX, 2017, by land mail ; I wrote a very extensive dispute request to all XXXX  credit reporting agencies ( Trans Union, XXXX and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ). After speaking with a representative from all XXXX credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, Trans Union, XXXX or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life.
<P/>
CFPB you got ta help me get this mess off my credit report. I am a 21 year, 2 time XXXX veteran who could not work for years due to my XXXX XXXX XXXX  diagnosed condition. This is what I get for serving my country?
<P/>
This clearly violates the CFPB requirement.

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 09/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: The account XXXX XXXX has been calling me everyday, along with others. During work at XXXX pm at night and I have told them I was willing to pay and send a money order in. She is not excepting that since she stated that it is policy that they have 15 pre-stated payments set up from a bank account. I told her that I do not have money to keep one open and that I would send a money order from a bank and email a copy of it before I send it. I also asked her about the person who called me at XXXX pm and she stated that there was no record of that at all. I told her that it happened 4 times and that I have the number that called me in my phone. I picked up her call on Friday XXXX and she did nothing but harass me talking over me to listen to her after I asked her about what she was going to do after I send a payment of about {$34.00} and she stated that she needs a bank account or I need to buy a prepaid card and load my paycheck on it and call back to set up the 15 payments to come off every month after my paycheck was added to it. I told her that I can pay about {$110.00} a month and that I would send it at the end of every month. She stated that I needed to pay over {$200.00} nothing else is acceptable. I also told her that I received a letter stating that if I do not arrange something I can not use payment program which they wo n't let me use, my balance will be due in full immediately, they are taking legal action, and they may report the default. I did look on my credit and they reported it months ago which they say in the letter that they may due but in fact, they have already done. I am tired of getting calls all hours of the day and it seems if they do something wrong calling they delete the history. 
If any documents are needed I will send them upon request since there is information that is confidential.

Company response to consumer: Closed with explanation
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: Equifax data breach may have exposed my personal information as reported here : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This Account Was Not Opened By Me This Is An Fraud Account

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I already closed my credit card.
I contacted citibank to close my account.
They agreed to close those.
So I asked them my balance ( to pay all balance ) Then I paid those off in full which they told me.
After couple month later.
They said I have past bill.
I tried to contact them but no answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2015 about Bank account or service (Cashing a check without an account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Account opening, closing, or management

Complaint: I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (I do not know) with Midwest Recovery Systems (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I monitor my credit report, more frequently now as we 're attempting to buy our first house. A collection notice was filed for the amount of {$3900.00}. We have received no notification of this debt, no verification of this debt, and consequently no notice of right to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (CA).
Issue: Account opening, closing, or management

Complaint: I have repeatedly asked this online bank to verify whether they have in any way contacted any credit bureau regarding fees they illegally charged when I closed my account, or will contact any credit agencies, or in any way submit anything negative about my credit rating, and the bank has stonewalled deliberately for months, repeating fifty times only that my account is no longer overdrawn, which I have known for months. The bank does not remotely answer the simple question ; has it taken any action regarding my credit history related to my account closure? This bank should have its license revoked

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have credit inquiries from XXXX. I am concerned as there have been XXXX inquiries by this company. How do I get rid of them? I am not comfortable with them having access to my credit report when I did n't initialize anything with them. Please let me know what I should do about this. I am concerned for the security and confidentiality of my personal credit information. There are many individuals who have been charged fees for products that they did not request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Non-federal student loan) with CAVALRY INVESTMENTS, LLC (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. 
Since then the loan has been bought and sold by several other companies. 
I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX, I checked my Transunion credit Report and all the inquiries were deleted. I logged in Today and the Inquiries are back and as a result my score has decreased.

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