milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, XXXX XXXX sent letter advising that Shellpoint Mortgage Servicing would be handling my mortgage payments starting with the XXXX XXXX payment. 
My first contact from Shellpoint was via mail on XXXX XXXX. It was my XX/XX/XXXX statement, stating that my XX/XX/XXXX payment was overdue. With enough information to make a payment, on the first business day that my bank was open, XX/XX/XXXX, I went and set up online bill pay to Shellpoint, which was supposed to land on XX/XX/XXXX. I was just squeeking by to make the on time payment. 
My next contact from Shellpoint arrived on XX/XX/XXXX. It was a welcome to Shellpoint letter dated XX/XX/XXXX, along with the XX/XX/XXXX mtg bill! This seems calculated to put the mortgage holder in a delinquent position. 
I have written a " qualified written request '' letter to Shellpoint, referencing Section 6 under the RESPA, but want to advise government agencies of the poor practices that could result in other mortgage holders being considered delinquent. 
Regards, XXXX 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 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have notified Experian numerous times, even sent a police report, letting them know my credit report is being accessed by unauthorized parties. I 'm including a notarized letter listing these unauthorized accounts and inquiries.

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 09/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I Have a mortgage note with Bank of America since XXXX XXXX, 2007. My loan has been current thru the duration of this this note wit the exemption of a few late payments. I have been trying to modify my rate as it is at XXXX for a jumbo rate. 
I have been told that because my loan is current they would not modify my loan. Bofa had put me thru the modification process several times for years before I finally had a rep tell me that because I have a jumbo loan and current they would not provide any modifications like the do for people under $ XXXX k and delinquent. I feel that since I qualify for a modification otherwise and people with jumbo rates have been modified this is inequitable and I need someone to review my loan and get back to me as I have been round and round for over 5 years. This is discriminatory.

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 Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017, Bank of America ( BOA ) automatically charged our credit card account for a credit card payment of {$1600.00} AFTER we paid manually online -- billing us twice. We had made a request for automatic payment a year earlier, and it failed due to an issue with our other bank, and thus we did not have automatic payment set up. <P/>We complained, and the second charge was refunded on XXXX XXXX, 2017. BOA told us that for some reason, the automatic payment process had suddenly activated, thus generating the double billing. BOA claimed that the error with automatic billing was solved. <P/>When we later reviewed our statement, we saw that the amount appeared once again as a charge on XXXX XXXX, 2017. In a call on XXXX XXXX, 2017, XXXX from the Virginia office said that BOA had decided to apply the refunded amount to our current balance when it was originally refunded. They also refunded our other bank account separately. Thus they claim they paid us twice, and had to debit our account once again for {$1600.00} to account for the fact that they had used that amount to pay the past balance. <P/>The amount also improperly generated interest on the account. <P/>The misapplication of the refund to our current balance is a Books and Records violation, as is the failure to have a control in place for double-charging. BOA claimed that they have such a control, and that they " automatically '' refunded the discrepancy, but that did n't occur until we made a complaint and compelled them to acknowledge and correct the error. These lack of controls also allowed interest to be generated on the account during that period. <P/>It is not clear how they improperly activated automatic payment in the first place, and XXXX from the Virginia office refused to address that issue in the XX/XX/XXXX call, saying, " well, however it was done, whether we did it, or you did it, that 's what happened. '' This is after the previous call when another service representative acknowledged BOA had made an error and claimed that they had fixed it.

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 04/18/2017 about Debt collection (Medical) with Amsher Collection Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this to the company as it was going into collections. I think the company did not report this the the collections company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 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: There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.

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 08-01-2015 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: AFTER REVIEWING MY CREDIT REPORT. I SEE I have a collection for a car that was repossessed. OnXX/XX/2015 contacted the company and ask for verification then againXX/XX/2015 After XXXXdays the proof was not provided In a timely matter which states it should be null and void.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XXXX, XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.

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 04/26/2017 about Debt collection (Private student loan debt) with EOS Holdings, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I did contact Compass Bank to inquire about how to get back my personal property after a repossession of my car. I was not provided any information on doing so. I had a pair of eyeglasses and a prescription medication left in the car. In response to a previous complaint that I had made. Compass Bank had denied me any compensation or forms of reimbursement. They had stated that in the vehicle report there was no personal property in photographs that were taken of the car. The eyeglasses and prescription medication was located in the consoled of the vehicle. In the report that Compass Bank had sent via the CFPB website there were not photos taken of the consoled. By law a company can not keep or discard eyeglasses or prescription medication. They could have simply sent my property through US Mail but they did not

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I filed a complaint and did not receive any response from the credit bureau. It has been over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX a first account was taken out in my name but paid! 
XX/XX/XXXX a second XXXX XXXX XXXX for the amount of XXXX was taken out in my name fraudulently. 

I was at the time XXXX in the XXXX XXXX of the United States of America Starting XX/XX/XXXX and XX/XX/XXXX Which leaves me unable to have opened either of the above stated accounts! 

i have contacted all parties of this matter and no actions have been taken! 

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: RE : XXXX XXXX my accounts where set up to lose Money from the beginning there were never a sum in basic math of my checking accounts and all of my accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's fair and safe. I was losing money for XXXX years just in my checking. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a penny from my new accounts. This is XXXX of dollars over the years. I have had other accounts. A credit card which is called a revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for three years before the theft. There was also another were I signed for which I signed for a loan one of the largest accounts with Well Forgo paid it twice then learned it was a revolving account not what I asked for and or signed. Have all ready shown me a fraud letter with a signature that is not mine that is Identity Theft of XXXX of dollars.

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 08-09-2015 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (CA).
Issue: Managing, opening, or closing account

Complaint: My Citi Prepaid card XXXX expired on XX/XX/2014. It had a balance on it that Citi Prepaid ( 3rd party contracted by Citibank ) refuses to reissue. Per CFPB, the balance is valid for 5 years even if the card expires. I spoke to XXXX, rep number XXXX who despite being informed of the CFPB guidance refused to comply and refused to reissue the card or the amount. I feel cheated out of my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (CO).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I receive more than 3 calls texts messages and emails everyday. They know I am having trouble with my employers banks check clearing. They transferred banks and my bank will not release the funds until the check has cleared the other bank do to the holidays, that is taking extra days unfortunately. I am 1,000 away from home on an emergency family trip and I am getting harassing phone calls telling me know matter where I am that my phone will always work and I am to take there phone calls NO matter what the circumstance or respond to their text messages even if I do not receive them. I am told I need to resolve the problem immediately to Secure my loan. I am only 30 days behind and if they give me to XXXX XXXX which is 3 days I will make the payment. These calls texts and messages have been ongoing for almost a month now. Every time I get a new loan counselor or supervisor there is never anyone the same. They are ruse threatening and unprofessional for a debt collection business they use terms and words to scare you into doing what they want not what you can do and provide a solution for the problem. Wishing me Good luck at the end of a voice mail.

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 Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am contacting XXXX today because consumers can no longer purchase their credit score without being forced to sign up for Experian 's monthly credit monitoring subscription. In previous years, I am able to go to XXXX, download my credit reports, and purchase my credit scores in a straight-forward fashion. Today (XX/XX/XXXX ), I see that XXXX of the XXXX credit agencies - Experian and XXXX - are using deceptive marketing tactics to lure consumers into purchasing their monthly subscription when they are thinking they are making a XXXX-time purchase of their credit scores. As a credit trainer for seniors, I am particularly concerned that this vulnerable population will be tricked into paying for a service they never intended to sign up for and possibly not discovering the problem until many months and many dollars later. <P/>With XXXX at least, there is a very, very tiny link at the very bottom of their " get your credit score '' webpage that allows consumers to bypass their credit monitoring subscription to pay for the credit score directly. <P/>Experian, however, does not offer ANY option to purchase their credit score without having to become a credit monitoring " member ''. This was what I was told by an Experian representative when I called for assistance. I called back subsequently to lodge a complaint with Experian 's corporate headquarters but was told by the operator that she did not know who I could/should speak with at the Executive Offices. When I acquiesced to speak with an agent who will take my complaint, I was left on hold indefinitely. I hung up after about five minutes of waiting ... <P/>Please advise Experian ( and to a slightly lesser extent, XXXX ) to cease and desist in using predatory marketing practices regarding credit scores and make them more easily accessible to consumers. One should not have to scour a webpage with a fine-tooth comb to purchase one 's credit score. And consumers should never be forced or tricked into signing up for a monthly subscription of a service they do n't want simply to get their credit scores! <P/>Thank you for taking the time to review my complaint. I hope something can be done. <P/>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 02-07-2018 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I head leasing car with Hyundai, after my leasing over, I went to replace my car, I came to dealer agency in XXXX XXXX they checked my car, after we talked about the price and agree about my returning of the car and condition and term of the new lease, all was verified all was understood, I agree to take new car and start to pay new amount, after few month I recieve collection in my credit report from HYUNDAI XXXX XXXX I called them to understand whats the problem they said that I owe them XXXX dollar for the old car I return and they checked, no need to say I didnt got any latter any phone call about this small small debt, all this time, only when the collection apear I know about this debt, regardless I dont know even why do I owe this amount XXXX dollar, we agree at the dealer all conditions and payment and conditions of my old car, why after so many month they want to charge me about my old car more money, ( cause they found somthing in my return car ) they agree to take my car after they check my car and agree to take new car, otherwise we could solve this on the meeting, they cant agree for all conditions and after few month to say sorry you still owe XXXX dollar, give me the chance for fair deal or to agree or not, with unfair feeling I paid that owe ( I cant have collection in my report ) but the collection/amount stay at my credit file and damage my credit, i try to called them but they didnt want to delete that from my report, I just ask to remove that collection from all XXXX credit report agency, even if its not fair deal, they just want me to stay with them no matter what they will do after I walk with new leasing from the dealer, this is not fair Buisness

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MO).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On XX/XX/XXXX, I opened a XXXX Checking account and Savings account with Chase in response to an advertised offer for {$50.00} when doing so. I was able to do so quickly online using a regular desktop computer. When I went to download the app, I was informed during the process that the app only worked on XXXX devices. My smartphone is an XXXX device, and I do not have any XXXX products. I immediately called Chase/XXXX to get the accounts closed. The request was put in. To date ( XX/XX/XXXX ) the accounts are STILL not closed despite numerous secure messages between myself and Chase. The 2 accounts have been removed from my account login, but the accounts are still open. Why does it take 5 minutes to open an account ( no less- from a device you can not utilize the account from ) and nearly a month ( or who knows how long, as I am not willing to follow up with this forever ) to close it?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: The lender-Caliber Home Loans Inc located in XXXX Texas decided to purchase flood insurance without my permission last XX/XX/XXXX and added the premium to my mortgage. The townhouse flood insurance is already a part of my HOA and the fees are paid monthly. The lender collected additional money to pay for this double coverage for flood for almost 2K a year. I have tried to resolve this with the lender but I was passed on from one dept to another. I need the lender to drop the flood insurance and reimburse the money paid for the last 12 month. The have a copy of the HOA by-laws and indicated clearly that flood insurance is part of the HOA fees.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: I accidently sent a {$1000.00}. payment to Chase - XXXX that was suppose to go to XXXX. At that time there was a XXXX balance on my acct. I called and spoke to someone on XX/XX/XXXX and they gave me grief about getting back the payment and said it would take XXXX days. I called on XX/XX/XXXX to check status if it being sent out and was told they sent out only {$930.00} of the {$1000.00}. over payment since there were XXXX small charges to the account on XX/XX/XXXX. My statement does not come out till the XXXX of each month, so I had n't even received my statement for Chase for the coming month. They have refused to send me my full balance of the {$1000.00}. that was accidently sent to them.

Company response to consumer: Closed with explanation