milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Debt collection (Mortgage debt) with Shellpoint Partners, LLC (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In   XX/XX/XXXX  m y Bankruptcy was  discharged  in th e Federal Court in    XXXX   XXXX . Included in the bankruptcy was a mortgage on a piece of property located in  XXXX ,   XXXX   which we did not retain. The Mortgage compan y (   XXXX   XXXX   ) file d for foreclosure in  XX/XX/XXXX , the district court in  XXXX ,   XXXX   dismissed the case finding the Mortgage company had engaged in illegal lending practices. In   XX/XX/XXXX     XXXX   XXXX   sold the mortgage to  Shellpoint  Mortgage company, this this point to date Shellpoint continued calling me and sending me letters stating that I owed them this money, I explained that this was  discharged  in bankruptcy and request that they do not contact me on this no longer, They have called me no less t hen 30  times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (VA).
Issue: Getting the loan

Complaint: I applied for a Loan with Wells Fargo and was issued a Rejection Letter on the grounds the Load Department ( underwriter ) had no copy of my Credit Report and yet another Letter, printed a day before the Rejection Letter, clearly indicated a Credit Report was pulled the day prior, which Credit Report obviously was not matched up with the Loan Department. My credit is " excellent '' per the Three Bureau Reporting agencies provided by XXXX ( no collection, high score, no late payments, no judgement, exc, all directed to a good solid Credit History as far back as the records record ). 
A request for reconsideration on these grounds was issued to the Branch, but as to date, no answer. I am XXXX XXXX XXXX next 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 03-10-2017 about Payday loan () with MoneyLion Inc. (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX dollars from a pay day loan company and the agreement was ninety XXXX over a period of thirteen weeks. I have since paid them XXXX dollars and XXXX cents from XX/XX/XXXX until XX/XX/XXXX. 
I gave them a call and they told me because my contract say thirteen weeks I still owe them XXXX dollars per contract. 
when I sign the contract it was done on line so it was not explained to me properly and of such I did not understand 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 explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
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: To whom  this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, and others, however despite multiple attempts Chexsystems continues to report th e inaccurate information. I have received reports, but the information they claim they have remove, continues to report. More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response. I have attached reports received from ChexSystems and if examined, you can clearly see a whole different name and DL number attached to my  ChexSystem report.  I have also taken steps to freeze my report, but have yet to receive a pin number to be able to access my report in the future.

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 10-11-2017 about Debt collection (I do not know) with Aldridge Pite Haan, LLP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from 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 explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan is reporting late payments for XXXX and XX/XX/2017 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 01/26/2016 about Debt collection (Medical) with Network Services, Inc (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Submitted a complaint with multiple concerns to XXXX XXXX. Ethical concerns were not addressed. Repeated requests to XXXX were forwarded to the company without response. XXXX suggested filing the complaint with CFPB

Company response to consumer: Untimely response
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am having continued issues with my credit file and equifax. I can not gain access to my report through my monitoring service that I have paid for quite some time. In my monitoring service I have the option to lock my credit report and I tried to unlock my report and have been unsucessful in getting this done. I have tried to contact equifax and it seems to go no where.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with Stevens Business Service, Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The account is with XXXX XXXX had been sent to Steven bus collection co. Amount that was owed was {$450.00} .paid off Contacted the collection company and said it had been taken care of. This happened in 2011. Still keep showing up on my credit report thought it would be taken off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted transunion for the last 2 months sent them identity theft form and disputed accounts they refuse to remove the negative items. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX. They will not provide any documents with my signature, information ect ... that I applied or open the accounts. I keep disputing these items and they refuse to remove them.

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 07/24/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received more than 70 calls from Wells Fargo since XXXX XXXX they call on Sunday through Saturday all hours of the day it is very annoying and interrupting. I do understand that i am late on my house payment but this is in clear violation of FDCPA regulation please see FDCPA 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. If needed I can send my phone bill as a supporting document to show how many times this happens in one day 7 days a week

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 05/18/2015 about Debt collection (Medical) with Senex Services Corp. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, Transunion, XXXX ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

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 04/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated from XXXX XXXX XXXX XXXX ( XXXX ) with over {$300000.00} student loan!!! I should be working as an XXXX but no residency. XXXX XXXX many many times for guidance and last I heard was from their program director telling me I am XXXX. Since 2009, I have been paying student loan for federal and private. My income is only XXXX compare to the income should one have for $ XXXX student loan. Federal has increased payment and Salliae mae have had me paying only interest and now wants to increase it by 188 % or commit to pay {$510.00} when at end of the month I only have {$100.00} left. I tried to talk to them but with very rude language she said " that is all we have, give me your credit card and commit to {$510.00} for 15 months ''. I only have {$100.00} left in my account where do I bring that? Due to false statement from XXXX, no residency no job that can pay this loan. It is not me, there is lot more that do not know what to do and who to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Received a loan I didn't apply for

Complaint: Checked my Checking account and noticed I had a credit for {$250.00} on the XX/XX/2017 and and a debit for {$290.00} on XX/XX/2017 from Cash Central LLC. I have never authorized any loan or was ever notified of authorization from either my bank or the lender. I contacted my bank and alerted them of the fraudulent activity as well as the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit card or prepaid card (Government benefit card) with Comerica (KY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: This complaint is regarding fraudulent transactions that were made by someone residing in another state on my Direct Express Debit Card on which I receive my Social Security payments.These transactions occurred on XX/XX/XXXX, XXXX, and the XXXX, 2017. I contacted the company and advised them that I had not made these purchases, as I reside in a different state, and have never visited this particular state, and my card was currently in my possession. The amount on the XXXX was for {$2.00}, on the XXXX it was for {$32.00}, and on the XXXX, there were 3 separate transactions ; one for {$150.00}, one for {$250.00}, and one for {$42.00}. The total of all these is {$480.00}. I attempted to dispute these transactions in the manner the company advised me too, but it took 15 attempts to even speak to someone in the fraud department. After I was able to reach someone I was advised that I would have to wait for the charges to clear before I could dispute them. I waited until they showed settled on my account, called back, heard the same " we are experiencing heavy call volumes, try your call again later ''. I heard this at least 10 times AGAIN before being able to speak to someone. I was told that a form would be mailed to me and once I filled it out and the transactions were checked into, I would have my money back. I filled out the form and FAXED it to them. I called to see where my money was and they said they just got the form! That 's not true as I have the confirmation sheet that it was sent successfully. I spoke to a lady by the name of " XXXX '' and she gave me her extension. I called back to speak with her as she informed me that I could on the last time we spoke, only to find out that she had been fired. I 'm not a rich person and I need my money back. This company is not a good one at all. i XXXX them and was horrified to see how many people are in the same position that I am in, and have n't gotten money that was taken from them years ago. Direct Express needs to be held accountable for what they are doing to people on Social Security, XXXX, and other government benefits. If this card is FDIC insured, i as well as these other people should have had their money back by now. This card is NOT safe, its not secure, and its not a good choice for people who receive benefits of any kind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 the consumer credit reporting agency, Equifax for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to XXXX. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that XXXX added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My last certified letter that I sent XXXX was on XXXX XXXX 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
I also sent a request to remove addresses that did n't belong to me and update my current address. As well as removal of the inquires that I did not authorize : XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015, XXXX XXXX Mortgage sold the mortgage on my home at XXXX XXXX XXXX XXXX to PNC Bank. At the time I was on automatic withdrawal with XXXX. PNC Bank did not assume the automatic payment method, nor did it send me any paperwork to make changes. However, XX/XX/XXXX I received a statement in the mail which said I was overdue for my XX/XX/XXXX Payment. I immediately called PNC Bank Customer Service, made arrangements for an EFT transfer of funds for XX/XX/XXXX and XX/XX/XXXX payments, and set up automatic transfers on the XXXX of the month for the remainder of the loan beginning XX/XX/2015. The timetable for the two loan payments was 39 days late as of that date ( XX/XX/2015 ). PNC Bank did not make the transfer until XX/XX/XXXX, 34 days after I authorized it. They then turned in a credit report of default of 73 days to the credit agencies on both my wife and me. Additionally, they did not take out the XX/XX/XXXX Payment until XX/XX/XXXX, making me another late payment again. When I set up the first XXXX XXXX XXXX, the person who arranged this assured me and my wife, who was listening on speaker, assured me we would not be penalized with a bad credit report. However, in applying for another mortgage recently ( we are moving ), I was informed by my mortgage broker we were told we had a bad report from PNC Bank, despite our assurances to the contrary. In calling their Consumer Service line, they told me it was my fault and they could n't do anything about it. I have all necessary documents including the fax with instructions and its log, the EFT authorization for the accounts remaining payments, and the bank statement which shows the delay from my instructions and the bank withdrawal ( XX/XX/XXXX and XX/XX/XXXX ). I believe the poor service from the bank and their lack of timeliness in the withdrawals should exempt me and my wife from any penalizing credit reports from PNC. Also, the operator I spoke to today said there was no one else I could talk to when I requested to speak to a manager, and would have to submit my request in writing to an office in XXXX, Ohio. Really?

Company response to consumer: Closed
Consumer complaint received 11-07-2017 about Debt collection (Mortgage debt) with Frontline Asset Strategies, LLC (WY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I was contacted by a representative of Frontline Asset Strategies about a debt owed in the amount of {$1000.00} for our XXXX XXXX account dating back to XX/XX/XXXX. So I am not sure what this bill is for. We were getting foreclosed on at the time and were able to do a loan modification and not loose our house. Our home loan was taken over by XXXX. I thought all the debt was taken over by XXXX. Frontline can not tell me what the bill is for, only that it is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Medical) with EOS Holdings, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not verified my info

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was covered under my insurance at ten to these details were incurred. Because the bills were not sent in a timely fashion, and because I retired and acquired a different retiree policy, the invoices were not paid. I am willing to pay the original fee without the interest and late fees, but have not been contacted by the collection agency.

Company response to consumer: Closed
Consumer complaint received 09/21/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: I am currently a consumer of Bank of America past 26 years. I am filing a XXXX complaint in regards to Bank of America who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Bank of America have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments.

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