milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage did not pay hazard insurance out of my escrow. Every year we have the same problem and I have always had an escrow account. Last year I had to change insurance because they did not pay with agent and insurance company and myself sending them the info needed, which they already had with the escrow account. Same thing this year and they send letter stating going to put forced coverage on property. Been trying to get resolved for over 1 month with agency and insurance sending dec pages and all info needed - should have been finalized sooner. From last Monday, XXXX XXXX thru Friday I have spoken with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX - the last XXXX being Mgr and Director, who told me they themselves would not have handled so well that there was no excuse and they would have handled more harsh than I have. They have all the phone calls I made and also my agent. The agent and the Insurance company have Sent XXXX dec pages and info needed this last week and all they had to do was get insurance Out before Friday, which they did not do. Info was sent, I called and explained insurance was cancelling if not received by Friday but they still did not get out until Friday afternoon, which was too late. Shellpoint has said today XXXX/XXXX/15 they have called and told insurance company was on the way there and got the tracking number. ..of course all after the fact so I still have to confirm that I have insurance. None of them could tell me why with all info being sent numerous times and all my phone calls it did not happen. All they can say is that it should not have happened and that it is unacceptable. Yet this happens every year and they have my escrow money, which is almost {$2000.00} Shelipoint has caused me to have to pay higher premiums. I have never dealt with such an incompetent customer service department and my agent has stated same. Insurance company could not Get response from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Revenue Recovery Corporation (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I originally was contacted via phone by a payday loan office calling for an XXXX? I figured they would get the hint when they called my voice mail the message says XXXX, NOT XXXX, that they would figure out they have a wrong number. Now I have a collection agency calling me at least once a month. I never went to or took out any loans with any payday or quick cash establishments. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06-04-2015 about Credit card () with U.S. BANCORP (GA).
Issue: Billing disputes

Complaint: my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I took out a loan with a company called castle payday of {$400.00} dollars which I could payback within 30days it was my understanding that I could pay this loan back without being charged to much interest on my loan I come to find out that this company tried to have me pay {$1700.00} on this {$400.00} dollar loan which is absolutely insane this company is a predatory lender and I would like to have at least {$500.00} dollars returned to me this company should no longer be allowed to be in business it s outrageous that they are allowed to be in this nation ruining people s lives money is very hard to come by nowadays I don t know anyone who can afford to give it away like that please shut them down so no one else has to suffer the way I have these past 8 months thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have no knowledge of this debt nor the company who 's trying to collect on it. I receive a copy of my free annual report an that 's I I notice this negative idea that 's bring my score down tremendously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  incorrectly reported late payments to all  XXXX   (   XXXX   ) maj or credit bureaus  (   XXXX ,  XXXX  and TransUnion  ) alth ough the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 v ia facsimile and  US mail  to no avail.

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 08-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I am livid of the way Wells Fargo is making it seem that I was aware of the final Balloon payment. In my contract is does not say I will be paying a balloon of {$39000.00}. It only indicates I will pay a balloon equal to the unpaid principal. However ; it does n't come is writing $ XXXX.The Agent that approved my loan was not honest, he never mention the me the final balloon that I will need to pay at the end. This is why Wells Fargo got sued in the pass because Wells Fargo was approving this type of loan. I am going to involve my Attorney General. For the fraudulent and deceptive practices committed.

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 11-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted midland funding in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she could n't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX XXXX account and the information that I received from XXXX XXXX does n't have XXXX XXXX anywhere on it. I did n't find out about this being on my credit file until I check to see what was on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (CA).
Issue: Managing, opening, or closing account

Complaint: I purchased a set of tires at Goodyear and selected the tires because of the advertised rebate of {$140.00}. The rebate came in the form of a prepaid VISA debit card issued by citibank. However, the card expired 6 months after it was received, and citibank says that the balance on the card has been forfeited. I called the customer service number at XXXX and was told that nothing could be done. 

There was no prominent disclosure of the fact that the entire rebate would be forfeit if the card was not used by the expiration date. That was {$140.00} in rebates that is now gone. Furthermore, the disclosure that came with the card said there would be maintenance fees after 6 months which led me to believe there would still be some balance remaining to use.

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 09-12-2017 about Debt collection (Medical debt) with A/R CONCEPTS, INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed. 

Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call. 

Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: BBVA bank is not allowing consumers to leverage the online payment tool in order to accumulate additional interest payments. I have been unsuccessful in submitting online payments on our prior to my due date. When this had happened I called to attempt to pay online and was told the check by phone fee could not be waived. I expressed I was unable to make the payment online but was still declined the fee waiver. Once the payment was delinquent a collector called indicating she would waive the fee and they wo n't do it when you are current. I told the agent it made no sense and that I would make the payment online. The agent stated a lot of people ca n't pay online. I recently tried to make a payment on my due date and 5 days after to no avail. However now that the payment is almost two weeks late I can play using the BBVA online payment option. I feel this is done purposely for those of us with simple interest loans. Please help me and others that are having this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Auto) with CarMax, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have an account that you are reporting that is not mine my information was stolen and used to open up this account but this company is still reporting it on my credit and has it on their files to collect

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from a debt collector claiming I owe {$970.00} to XXXX XXXX. I have emailed XXXX and the debt collector and stated I do not owe the debt they are attempting to collect, and requested a response as well as some sort of documentation showing why they and/or XXXX believes I owe them what the collection agency is attempting to get me to pay. I have not received a response from either. The debt collector 's letter included an attempt to pressure me to pay half the debt claimed by XXXX/XXXX/2016 or their " offer '' would be withdrawn, yet no documentation supporting the existence of the debt being claimed has been received by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (I do not know) with Aargon Agency, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: An account was placed on my XXXX credit report without notice or verification the debt/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

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 09/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections of America, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was notified by XXXX ( collection agency ) that I owed a debt from a red light ticket XXXX from XXXX of 2014. I never received verbal or written notice from XXXX XXXX and was only contacted by XXXX. This resulted in a debt collection and negative mark to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (OR).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: PayPal Credit Account Opened in my name. I have no knowledge whatsoever of this account. 

Reported to PayPal credit by phone a few months ago. Received letter stating that based on their investigation they were unable to validate my claim of fraud. 

Completed signed Affidavit of Fraud to PayPal Credit today.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This in a complaint against the credit bureau Expirian, cist who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the ditches that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired degastada this situation 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 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NV).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Purchased prepaid visa. Bad magnetic stripe. Unusable. Company refused to freeze card and funds were stolen before company reacted. Now, 80 days later, USBank still says " wait ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Student loan (Private student loan) with SLM CORPORATION (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.

Company response to consumer: Closed with explanation