milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: CFPB complaint Filed XX/XX/XXXX Case # ShellPoint XXXX XXXX XXXX, XXXX CA XXXX XXXX said that it will be a big problem to do a short sale for a homeowner that does not have separate business bank statements, no business name, and have not filed taxes for XXXX and XXXX, and therefore underwriting will likely require the homeowner to file taxes for XXXX & XXXX. I told ShellPoint that the homeowner is a sole proprietor - there is nothing wrong or illegal about this. Therefore a separate business 'name ' and 'bank statements ' are not necessary. The homeowner has also already provided a written and signed statement that they have not filed income taxes. I also reminded ShellPoint that in California the homeowner can not contribute to a short sale, and since the profit & loss statement is proof of income, they will have to make a decision based on what they have been given. 

Why is ShellPoint trying to force the homeowner to file income taxes? They are being stupid. I want ShellPoint to follow servicing guidelines. If ShellPoint wants the taxes to be filed - are they going to hand over the {$500.00} for each year of taxes so the CPA can file them? The homeowner certainly does not have that kind of money. 



In California, the lender can not ask for a contribution from the homeowner. It is obvious from the income information provided that the seller can not afford to keep the home. Attempting to force the homeowner to file income taxes is just another delay tactic and does nothing but reveal the stupidity of this company as a mortgage servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase Card I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with Medical Business Bureau (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have explained to the medical billers and then the Medical Business Bureau collections agency via letters on XX/XX/XXXX and XX/XX/XXXX and via phone on many other dates, that I signed an agreement at The XXXX Hospital in XXXX, TX when I was administered treatment for a XXXX XXXX, stating that I would only be billed the amount that they were charging to my credit card that night, which was {$150.00}. 

I explained and offered proof that I paid this amount on the night of the treatment and have repeatedly stated that the agreement that I signed at the hospital promised that I would not be billed anything other than the {$150.00} that I paid at that time. I made it very clear at the hospital that I would not allow anyone to treat me without such an agreement as I do not have insurance ( and I was not even convinced that I needed any treatment ). Unfortunately, there is a real problem with hospitals routinely sending additional surprise bills after treatments where payment has been already rendered. This has happened to me before, and this time I wanted to be very careful to prevent this happening again. 

I explained to the medical billers and this collection agency that they are legally required to produce a document that I signed, stating that I would pay what they are asking me to pay. I know that at the hospital that the administrator attempted to have me sign documents promising to pay for various treatments that I refused. Therefore, I am 100 % confident that there are no documents that were signed by me stating that I would pay anything beyond the {$150.00} that I paid at the hospital. 

I explained to everyone who attempted to extort further payments from me in relation to this treatment that pursuant to the Fair Debt Practices Collection Act, section 809 ( b ), they must cease to collect unless and until they mail a copy of the verification of the debt to me ( the consumer ). They were unable to produce such documentation and they stopped harassing me with letters and calls after that. 

Now, suddenly -- three years later -- -on XX/XX/XXXX the Medical Business Bureau has improperly reported this collection to my credit report in a derogatory manner in two separate reports. This improper reporting has kept me from getting an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax credit bureau is inaccurate coding soft inquires as hard inquires to remain on my credit for 2yrs instead of 12 months. XXXX XXXX XXXX, XXXX cable and XXXX should be removed from my credit these inquires are consider as soft inquires. All of these companies review my credit was for services to promotional offers with these utilities company. This inaccurate coding of inquires is causing damage to my credit rating from Equifax Credit Bureau and I plead that this would be corrected and remove. I had attach document to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient continuously calls me from many numbers throughout the day, I have tried to setup payments with them that fits my income. I have talked to them numerous times and every representative is rude and not willing to listen. Navient calls my personal cell at least 8 times a day even after XXXX which is business hours. Navient also continue to hit my credit report with inquiries causing my credit to continue to decrease. One of the Numbers ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Other bank product/service) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Account opening, closing, or management

Complaint: My home suffered damage in a recent flood. The insurance adjuster came out and filed a report on the damage. Checks were issued, but the bank that holds the mortgage, Penny Mac, was also listed on the checks so we had to send the checks in to Penny Mac for endorsement before we could access the money. We sent in all information that was requested by Penny Mac, but the money was not released. When we called to find out what the problem was, we were told that because the loss department had changed locations, our documents could n't be found so we would have to resend in the information. We were also told that there was another form that needed to be completed ( it was not in the original packet ) and would be faxed out to us since they could not email it. It would take 3 days for an approval on the fax. The fax never came. There was no record of the fax even being sent out and our money is still sitting in Penny Mac 's hands with no work being able to be done on the house. When asked to email information initially we were told that this could not be done, but after requesting a supervisor, we were told that it would be done. At this moment, we are still waiting for our money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I informed the XXXX credit Bureaus that XXXX accounts on my credit was not mine and to provide me proof or immediately delete the accounts, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. The XXXX accounts I demanded deleted were Prosper Market Place XXXX Unverified Account and XXXX Bank XXXX Unverified Account the credit Bureaus have not done so and have not deleted these XXXX accounts.

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 05-11-2017 about Credit card or prepaid card (Store credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In response to a prior complaint made with CFPB (  XXXX  ) Portfolio Recovery indicated they would remove their trade line from the credit reporting agencies however when I spoke with   XXXX   and  XXXX   XXXX  on  XXXX   XXXX ,  2017 they h ad not removed their trade line from my   XXXX   and  XXXX   XXXX   credit re ports. When I speak with   XXXX   or  XXXX   XXXX  to let them know about the prior complaint filed against Portfolio Recovery and provide them with the CFPB complaint number, I 'm informed my complaint is not  one of  their options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: the computer glitch caused my inquiries to be deleted.later transunion later added them back on my credit report without giving me a legal required written notice 5 days prior to them re adding.i contacted Transunion to have the inquires deleted

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 05/29/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: I received some amount on my PayPal account. At first they claimed that money was fraudlent activity so they requested that I provide a copy of the utility bills, telephone number, bank statements, and source of the funds so that they could validate my account. They have declined to read and to read the information which I provided. They have closed my account and claimed that the case can not be appealed. The sender has sent an email to them explaining the purpose of the transaction but they have not changed their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Midland Funding ha s repeatedly called me about a debt after I have told them to stop contacting me. They continue to call me from fraudulent phone numbers  ( which I still h ave on record ). I have requested in writing that they provide me a copy of this debt which they have not. They have filed a garnishment against me in court without ever serving me any type of documentation and the only way I found out about the suit is via spam mailings from attorneys trying to pressure me into filing bankruptcy . Midland has   dispersed my personal information to several law offices without my consent (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    et c ) . Midland funding  has deceptive bullying collection tactics inorder to recoupe from the many lawsuits that have been filed against them which they have lost and have been held liable to pay. They target people in order to Illegally gain money from them. There have been multiple settlements against this company as their practices are ILLEGAL yet they STILL repeatedly violate the FDCPA by attempting to collect on debts that are invalid, non existent and even too old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no knowledge of this debt. I never received a right to dispute.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. 
I have been trying to enroll in their credit monitoring system since the hack was reported. 
I attempted to enroll in their online system on XXXX, and multiple times since then, only to be told " the system is unavailable-try again ''. 
After weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that " we will escalate this to our technical support team-they will respond within XXXX business days. 
Equifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. 
Equifax should be held accountable for their breach and provide this service immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with First Federal Credit Control (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : First Fed Control # XXXX and XXXX # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/17 Transunion removed XXXX credit inquires from my credit report and then in XXXX/XXXX/17 they were added back to my credit file without notification, this is in violation of FCRA ACT. I have attempted to rectify the situation with Transunion directly and several representatives are unable to give me an answer. These are also companies I 've contacted Transunion about in the past and companies I 've contacted directed. Attached are the inquires and I want them removed permanently.

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 12/20/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is lodge against Wells Fargo for refusing to review the file that was submitted by XXXX XXXX XXXX  that i have retained to represent me regarding home modification, Wells Fargo intentionally denied, obstructed, and mislead pertaining to modification application that was submitted, i was informed by XXXX XXXX XXXX that Wells Fargo will not review the modification file nor stop foreclosure sale because its less then thirty-seven days from foreclosure sale which is XXXX XXXX, myself and the law Firm attempted to reach out to executive department without any recourse, This modification was initiated resulting from hardship from Auto collision on XXXX XXXX, please see attachments regarding chronological events ... ..since the beginning we have been trying to save our home from foreclosure since XXXX, I have lost significant time on my job because of my wife 's auto accident, that resulted in lost mortgage payments and falling severely behind we have been trying to get modification for three years. Wells Fargo appears to be driven to put a family out on the streets, i ask this noble institution to rescind foreclosure sale and modification to proceed.

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 12-12-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Jh Portfolio Debt Equities is misrepresenting the opened date and sum of the alleged debt on my credit reports that they are attempting to collect. 
The only validation that was sent to me were XXXX pages of a XXXX bank account not indicating how and why they have any legal rights to collect, how did they come up wit this sum or where did they obtain this information about me. 
Providing me with the last XXXX of my social and the mailing address on the XXXX bank statement is NOT debt validation as they could have stole this information or obtained it through any other illegal means. I did not enter into any contracts or agreements with Jh Portfolio Debt Equities, therefore they have no legal rights to report anything about me or my credit to the credit bureaus or attempt to collect anything.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through XXXX and XXXX took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against your company for violating my rights.

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 05/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In 2007 I enrolled at the XXXX XXXX XXXX California XXXX XXXX XXXX hoping to obtain a XXXX Degree. I spoke with the financial directors and determined that I would need XXXX Federal Loans and I also chose to apply for a Tuition Answer Loan totaling XXXX. I spent XXXX semesters at the facility before determining that this was not the career path I had chosen. I had already cashed the XXXX XXXX XXXX and was using it. I did not return that money, however I un-enrolled from the school immediately. Approximately XXXX year later I began receiving debt collection letters from XXXX additional private loans that I gad not signed for. These loans totaled XXXX. I contacted the school who stated that the loans had gone to collections and were no longer the responsibility of XXXX XXXX. I began contacting the debt collectors and was informed that in XXXX of 2007 I apparently went to a XXXX XXXX to cash these checks. I asked for the signature paperwork, they said they would send it to me, I stopped receiving phone calls. XXXX moth after I contacted the " phone number '' I had been given by the school to find it had been disconnected. It has now been several years and every time I get a letter I call demanding the written signature that allowed for these checks to be cashed in my name. I have refused to make any payments to XXXX XXXX or XXXX until this documentation has been provided. I am now planning on filing a small claim in court to have these false loans dismissed.

Company response to consumer: Closed with explanation