milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: After XXXX hit XXXX, My father and I were informed that a new flood insurance was issued for our property for XX/XX/XXXX thru XX/XX/XXXX. We informed Shellpoint ( a mortgage managing company for New Penn Financial ) that we would not have gotten the loan in XX/XX/XXXX if we were not covered with Flood Insurance. Later my father and I leared we had flood insurance, but not for the period of XX/XX/XXXX thru XX/XX/XXXX. We ended up getting flood insurance from XXXX on XX/XX/XXXX, which extends through XX/XX/XXXX. I was informed by a worker named XXXX that we show flood coverage for day to date except for the period of XX/XX/XXXX-XX/XX/XXXX. If they wish us to pay for that period they could have requested the payment or add it on the mortgage as stated in the Deed agreement on record at the XXXX County Court House ( pg.5 of 14, # 5, Property Insurance ). Instead, Shellpoint set up an escrow account for taxes and insurance we have already paid. When we spoke to an attorney, she suggested that we make a complaint to the CFPB. I am tired of harrasment calls of being late with the mortgage payments. We have sent them the complete mortgage payment for principal and interest, and each month and they have the nerve to charge a late fee on the escrow payment which is not suppose to be on record. In the 11 1/2 years that the XXXX 's have owned this property, there has never been an escrow account. We informed Shellpoint that their escrow account was illegal and they would here from my lawyer, but on advise of an attorney, hearing from the Federal Government is better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX is still on my credit report as debts I do n't have no debt with them I disputed 2 years ago it is still on my credit reports Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TN).
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 have been disputing this issue with the creditors and the credit reporting agencies XXXX  for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but XXXX has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!

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 DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it  ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Citibank has failed to return my account to a XXXX balance after my card was reported lost/stolen. The representatives keep telling me 24/48 hours. That was XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (KS).
Issue: Managing the loan or lease

Complaint: I am being charged a late fee each month on a purchase I made which was financed thru Wells Fargo, This was a 12 mo no interest agreement. I get paid once a month at the beginning of the month so make payment at that time so it 's not late. All of my payments are made online which states payments take effect the same day if submitted by XXXX Pacific Time. I made a payment of {$140.00} on XXXX/XXXX/15 which was the end of the billing cycle, but the payment did n't show up until the billing cycle beginning XXXX/XXXX/15 and then charged me a late fee. Each month I 've been charged a late fee and a {$1.00} interest charge. 
They said I pay too early and they ca n't do anything about the late fees, but would refund 2 months which they only refunded 1 month and then charged me again. I have attached copies of the receipts and statements where the problem first began.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Debt collection (I do not know) with John C. Heath, Attorney at Law, PLLC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a email from a lexington law firm below and also a copy is attached to this complaint. I felt I was contacted improperly contacted. Threatened to contact my employer to garnish my wages and the sheriff to come to my home. My name was not in the email- just a threatening message of contact I have not received before. No one has sent me anything in the mail. I check my mail everyday and weekly. I keep all mail in case something like this happen saying they tried to contact.me. I have not in this lifetime received received any form of contact or mailings from this scammed credit repair law firm. A real law firm will not call due to law official telling everyone to be aware of scammers who ask for personal information or want credit card information to pay for a debt over the phone.     The email will be attached to this case I was not able to attach above

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Credit card protection / Debt protection

Complaint: I have asked for over 2 yrs to be provided documentation from Fifth Third Bank that the credit card they show on my credit report is valid. Put in disputes with the credit bureaus but none of the XXXX will change the line. I did not sign an applicaiton for joint credit the card was in my wifes name, I have never had a card was not aware of the card. Have asked XXXX multiple times to provide a signed application giving them authority to use my credit or list me as an owner but they have failed to provide a signed app or remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 have contacted Transunion several times over the course of the last 4 months, via phone and online to have 4 erroneous public records removed from my credit file. I disputed this information with Transunion as well as XXXX and XXXX. The other 2 credit reporting agencies removed the unverified public records and Transunion has not. I have also requested Transunion to supply written proof of the so-called debt/public records and they have not provided the information requested. Since they have refused to verify the information and the information has not been verified through the State, it is unfair to me. A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! No other credit bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me, especially when they do not and can not supply any proof or documentation that indeed this debt is mine.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XX/XX/XXXX ( three months XX/XX/2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?

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 05/16/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

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 01/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (WA).
Issue: Using a debit or ATM card

Complaint: The Financial Privacy Act of 1978 list various protections that afford consumers protections from having their financial data exploited without their knowledge and/or consent. From my consumer perspective and not that of a professional interpret the language in 12 US Code 3403 subsection ( a ) that a financial institution, or " Chase Bank, '' may not release records without the consumers consent or acknowledgement ( Ref XXXX ). According to credible journalism sources and publications like " XXXX XXXX '' the use of XXXX XXXX XXXX be an opportunity ( XXXX ) of exploit for unknown person ( s ) including an opportunity for Government intrusion which again causes some pause. Although emerging technologies are important to encourage commerce, providing levels of protection to the consumer as well as notification is also vital as these new emerging technologies encounter the marketplace. I believe in this situation Chase has an obligation to notify it 's members of any breach of privacy using this technology, state the intended use of this technology to it 's consumers, place public and transparent notices of how it intends to store this data, and if it has the intention of using this new technology as a means to share information without third parties. It 's my belief that consumers should have the right to opt out from new data collection practices if they do not wish to be beta testers for your emerging technologies. 

I am formally requesting that Chase provide the scope of intended use of the RFID chip in their cards, provide all documents stating if they provided public notice to consumers, as well as state their intent on any new notification practices to consumers as a result of these emerging technologies in the event of an exploit, as well if the bank is in the process, has, or has no attempt to deploy consumer protection technologies to block the RFID technology from being exploited when not in use like RFID shield credit card envelopes ( XXXX ). Currently, the credit card envelope distributed by the bank do not contain the shielding material that would allow an added level of protection from exploit. 

Thank you for taking my concern and I look forward to the response. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My drivers license, social security card, and other personal documents were stolen from me in 2012. As a result, a fraudulent account was opened in my name and there is an attempt to collect on it from Syndicated Office Systems. I have contacted the collector and provided them with police documents and fraud affidavit. They referred me back to XXXX XXXX XXXX - the original creditor. After months of me contacting XXXX XXXX XXXX and receiving conflicting information that they can not provide me with any documentation as to the validity of this debt, I keep transferring my calls back to Syndicated Office Systems who apparently are reviewing this account, but they have been reviewing it now for about 2 months and have they had any documentation proving that this in fact is my account and not an account resulting from an identity fraud, they would have provided me with that documentation or at the minimum, they would have provided me with the progress of their investigation. Syndicated Office Systems and XXXX XXXX XXXX are violating my consumer right by reporting false and fraudulent information on me to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Personal information hacked from records at the Department of Veterans. 
Affairs. Had to cancelled and be reissued bank card and credit cards. 
Attempts to purchase credit card by hacker cause hard hits on my credit report.

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 Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I lost XXXX of 22 years due to the changes in the economy and stop making payments to my Mortgage loan after few moths I was in foreclosure and I hire an Attorney to help me with the foreclosure almost a year later I was inform By the Bank XXXX that if I paid my XXXX mortgage at a reduce amount they will grant a loan Modification. after the payment was made They offer a 6 months trial payment and I proceeded and pay the second mortgage and pay the 6 months Trial period. after the trial period was finished the bank never contact me and I blame the attorney for not working diligent and hire a new Attorney one year pass and I received a Letter from XXXX telling me that will not longer servicing my loan and they will transfer it to Green Tree after the transfer it took Green Tree almost a year to grant the loan modification where my loan was modify at a higherinterest and increase my Principal in {$140.00} to bring the account current. 
I was surprise because the loan was to much for my income but I did not want to loose my home. 
After the loan modification was in place for the amount of {$4100.00} the bank change the payments 3 moths later to {$4200.00} and then to {$4300.00} and in XX/XX/XXXX the payment was increase to {$5400.00} Once more time I contact the bank to understand why the increase was for and they said that the taxes for XX/XX/XXXX and XX/XX/XXXX where not paid that accounts for {$10000.00} and {$11000.00} totaling {$21000.00} but the banks send a bill for 44 payments of $ XXXXWhen I ask the bank to explain all this charges they can get a clear answer and also said that the overcharges will be apply to the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!? 

I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days. 

Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: well XXXX month ago I found out a car that I co-sign for was very delinquent so contacted the creditor a settlement they refused and demanded full payment I did not have XXXX so I felt I should do the right thing and make payments because after all I did co-sign for the loan. The payment is XXXX which I do n't have and it has really put a undue burden on me. I wait for XXXX month and requested the creditor to update their credit files, because the report is now showing inaccurate balance and this is very misleading informationI, I was told the only way they will update any payments to this account if it was paid in full. ( balance ca n't be correct ) therefore i had no choice but to requested Transunion to remove all the inaccurate and misleading information from my credit report these inaccurate details have adversely affected my credit worthiness and hampered my chance of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) I demanded transunion to re-verified and removed the inaccurate information. I provided them with prof of payments. I continue to send payment each month. They refuse to remove the inaccurate information this is damaging me severallythis is clearly a violation of the FCRA credit reporting act I provided prof of payment and the creditor is still saying owe the same amont of money there is clearly something wrong herethere 's discrepancies in the amount owe therefore by law it should be removedfor the according to the FCRA it should be totally removedthe company can not refused to update clients account if they are receiving payment this does not comply with the laws they are in total volition of the laws of the Fair Credit Reporting Act

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation