milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage after my business failed and was causing me to have a massive amount of negative cash flow. I have now sold that business and I would like to save my home. I hired an attorney  to help me apply for a loan modification and my attorney says my lender is evading reviewing my mortgage by asking for unnecessary paperwork and explanations. My lender is digging into my tax returns from two years ago asking questions about why certain income does not show up on it. My attorney has a licensed loan officer and underwriter that has already underwritten my file and it was submitted complete and with sufficient information to make a decision. Letters of explanation about tax returns from 2015 have nothing to do with my current financial information and according to my attorney are only ways my lender ( XXXX ) uses to evade, stall and avoid reviewing me for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Ally financial financed a vehicle that was fraudulently sold by XXXX on XXXX. XXXX called on XX/XX/XXXX and received a pay off amount which was sent to them on XX/XX/XXXX. the loan was completely paid off on XX/XX/XXXX by certified check and the now Ally is sending me a bill for XXXX I am disputing this outrageous demand for payment. I am not going to pay for a vehicle which I no longer owned. when I called them they were uncooperative so I canceled the direct payment of the loan.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017, I submitted a complaint via Khols/Capital One Card Services for a late payment that is reporting to my Credit Report as no more then 30 days late. I have submitted complaint and complaint and nothing has been handled.This is MY LAST & FINAL complaint before I go forward with finding a lawyer and sueing Capital One for not correcting what they know is incorrect. Like I have stated in previous complaints the representative I spoke to gave me the incorrect information of stating I would be ok to submit a payment after 2 months and they would not report it. That is not my issue nor am I at fault. Its really disgraceful to know Capital One will go to the highest of dishonesty to make me look like the bad guy in this situation. My credit is suffering because of this & this has put my home buying to a halt all because Capital One will not correct their wrong. Although this is my LAST COMPLAINT, I will not give up on getting the late payment in XXXX XXXX 2017 removed because I am not at fault. Capital One also keeps sending me a copy of XXXX 2017 bill that is not sufficient evidence to say my late payment is my fault. I do not need another copy of XXXX 2017 statement as I have it & demand them to supply supporting evidence other then a copy of the XXXX 2017 statement showing a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was left a voicemail by this company stating there is a " pending civil judgment lawsuit '' being filed against me. This voicemail was left for me on XXXX XXXX, XXXX. I called this company to see what it was about. The representative there claimed I owed on a debt to HSBC. He said the last payment was made in XX/XX/XXXX. He said if I did n't pay, I would be sued in XXXX County Court. He said the balance owed was {$2500.00}. He offered a settlement for half of the balance. 

I believe this company is a scam. To my knowledge, it is illegal to threaten a lawsuit if they have no intention of carrying it out. It is also illegal for them to threaten lawsuits on a voicemail. In addition to this, the Statute of Limitations is 6 years. If they are saying my last payment was made was in XX/XX/XXXX, the debt is at least 7 years old and is time-barred. I never received anything in the mail from this company prior to these phone calls, and I am unsure if this is even a valid debt, or if this company is authorized to do these collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I am trying to contact my bank regarding a dispute. I am calling the number on the correspondence I received in the mail from the bank. When I call, I get prompted to leave a voicemail for the Merchant Disputes XXXX department, but the voicemail system then plays a message that says the mailbox is full. This has happened several times over multiple months. I called the customer service number for my bank and got a transfer to the disputes department ( onshore ), and told them that I was trying to reach the agent working my dispute offshore. I gave them the same information from a letter I received, dated XX/XX/XXXX, and they were also unable to get through. The number is 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 EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since  XXXX  it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX   He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: TO WHOM IT MAY CONCERN : I am writing in response to recent conversations with Select Portfolio Servicing, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. For the past XXXX years, I have been in dispute with SPS regarding a Foreclosure Action that commenced in XXXX, at which time XXXX was the Servicer. SPS has adamantly refuted that a foreclosure action previously occurred and the foreclosure action did not commence until they initiated the action, XXXX XXXX. There are numerous phone calls, discussions far and in between the past month. 

I spoke to XXXX XXXX of Select Portfolio Servicing Advocacy Department, XXXX XXXX, XXXX. XXXX XXXX advised that she would be sending out a response letter stating that SPSs position remains the same regarding the on-going dispute that a foreclosure action occurred in XXXX. XXXX XXXX also asked what my intentions were with the property and questioned why I was not evicted if the property was already foreclosed upon. For more than two years SPS has denied knowledge of the mortgage servicing deficiencies that were unresolved prior to XXXX XXXX XXXX transferring the servicing rights to SPS, XXXX XXXX. Yet, SPS and its third party Attorney, XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, now known as XXXX XXXX XXXX attested to having full knowledge of the information filed with the XXXX Courts XXXX XXXX XXXX, Maryland and Maryland XXXX XXXX. 

I am vexed at SPSs repeated failure to acknowledge my inquiries and questions regarding the unresolved mortgage servicing deficiencies that were initiated at the commencement of the foreclosure action in XXXX, which resulted in the purchase of the property XXXX XXXX, XXXX, by the alleged secured party, XXXX Bank, XXXX, NA, Trustee for XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. The trust is in fact governed by New York XXXX XXXX. At the time of the commencement of the foreclosure action the note had not been assigned to the trust. In fact, the note was transferred to the securitized trust XXXX XXXX, prior to XXXX XXXX XXXX transferring servicing to SPS, 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 04/30/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My Chapter XXXX Bankruptcy discharged XX/XX/XXXX. My Interest Only loan # XXXX adjusted while I was I was still in the bankruptcy. The lender did not notify me or the Bankruptcy trustee or my BK attorney. I continued to make payments the entire time and upon discharge was made aware of the payment change XX/XX/XXXX and immediately paid the arrearage. I was assured in XXXX different telephone calls that that loan would not be reported late. As of today, I am informed that the the loan is reported to my credit report with EIGHT late payments dropped my score and preventing me from pursuing a refinance now in process. Nationstar 's failure to notify me or the Bankruptcy trustee is not in compliance with Federal bankruptcy law pursuant to Bank Ruptcy Rule 3002.1

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 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: Information belongs to someone else

Complaint: There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  MTR - #  XXXX    XXXX   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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. And they want me to pay them money to freeze my credit -- when they collected this information without my consent and failed to protect it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Recently, I received a notice from Certegy that XXXX was reporting negative information to them on my behalf. XXXX is a creditor listed in my Chapter XXXX Bankruptcy which was filed on XXXX XXXX, 2017. The bankruptcy was discharged on XXXX XXXX, 2017.

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 01-01-2017 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: APR or interest rate

Complaint: I applied for my carecredit card at a dental office, not knowing about promotional purchases and the deferred interest because nobody explained it to me, they checked my score and said i was approved, which i got XXXX different procedures done. Ive never been late, i pay the payments and then i get an email that i have promotional purchases that are about to expire, which they did and it affected my credit report and the interest tacked on is higher than the minimum payment, even when i pay more, it does nothing. I was misinformed about the care card

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 02/17/2017 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Debt collector called on my personal phone after being instructed specifically not to contact me again. Company representative admitted that I was called even though my phone number was listed as a " blocked '' number.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I fulfilled my one year membership requirement at XXXX XXXX XXXX XXXX in XXXX, IL in XXXX, 2016. The next month, my credit card on file expired so they were not able to continue billing me. I was contacted by the spa and returned their call to let them know I wanted to freeze my account as my husband had been out of work on medical leave since the beginning of XXXX. I continued to get a few phone calls and statements mailed every few days indicating I needed to contact them to pay what was owed. I again contacted them and told them I wanted to freeze my account. They demanded I pay 2 months they said was owed by that time. I refused, stating I had already fulfilled my obligation and had requested the freeze ; at this time, I told the person on the phone ( XXXX, I believe was her name ) that I just wanted to cancel my membership. I was told again there was a balance due but I again refuted the validity of the supposed balance as I had done everything required to settle the situation. I continued to receive statements every few days from the spa, and I ignored them as my husband needed my attention. In XXXX, I received the first collection letter from Transworld Systems , Inc indicating the " debt '' had been placed with them for collection. I responded in 8 days, indicating the debt was not owed by me, and it was not valid. I received a XXXX collection notice today, and am filing a complaint. The communication received today also indicated the balance had increased from the initial amount of {$170.00} to today where it is {$230.00}. 

I indicated in my first letter that I would file a complaint if they continued to contact me and demand payment of the invalid debt, so that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has ignored or failed to respond to multiple requests for IBR income reevaluation. I changed jobs and my income decreased dramatically, and Navient has yet to respond to any of my form submissions sent both via fax and their online website. Documentation of income was sent in XXXX forms, as a copy of my paycheck and a letter from my employer documenting my hourly wage. I can not afford to pay the amount they are asking on my wage!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Balance transfer

Complaint: I over-payed my card and I requested a credit card balance transfer on XXXX/XXXX/2016. American Express told me the credit transaction will be completed in 5-7 days. After 7 business days, I still have not gotten my over-payment transferred, and the customer representative has no solution but keep telling me to wait 48 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: trans union and XXXX I could n't get my credit reports. my XXXX report I recieved but not the others

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The included inquiries were found on my credit report. I called Transunion and they have refused to help me. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX. Made on XX/XX/XXXX 2 ) XXXX XXXX.XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Made on XX/XX/XXXX. This is stressful as I have tried to go through the proper channels to have this removed and I feel this should be taken more seriously. Transunion calls it a " glitch '' in their system and now will not listen to those effected by it. Thank you, 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 08/14/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following ( Case number # XXXX ) " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through XXXX regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with XXXX that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOL XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In my complaint with CFBP # XXXX I SPECIFICALLY REQUESTED that Equifax not to reply with there standard response. Unfortunately Equifax continues to not honor my request and continue to damage my credit worthiness and credit score for knowingly and willingly to not COMPLY WITH THE FCRA. I provided evidence that Equifax has previously removed disputed inquiries without me having to contact the creditor. Furthermore, I have contacted the Creditors as Equifax requested and each creditor has told me " I need to CONTACT EQUIFAX ''. Please stop these delay tactics. 
If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Struggling to pay mortgage

Complaint: I am applying for a repayment plan for my mortgage, and the mortgage company and I do not agree on some fees that have been tacked on. As of now, I am 18 months delinquent. The monthly payment is {$320.00} x 18 months = {$5900.00}. Carrington mortgage says I owe {$6900.00}. I understand that there will be late fees.   In  XXXX   XXXX  there was {$450.00} lawyer fees, in  XXXX   XXXX , there was another {$250.00} I do n't understand how I could owe these fees.  Carrington  told me that the fees were all waived. This is the  5th  time I have sent in a request for a repayment plan since  XXXX   XXXX , when they refused my payment and started foreclosure proceedings.

Company response to consumer: Closed with explanation