milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage sold my mortgage on XX/XX/2017 to XXXX but DID NOT notify me. I found out my mortgage had been sold when I received a statement from XXXX on XX/XX/2017 stating that I was my XX/XX/XXXX mortgage payment was late. Shellpoint accepted my XX/XX/XXXX mortgage payment on XX/XX/2017 and as of today, XX/XX/2017 HAS NOT forwarded that payment to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, 2017 a complaint was filed to you regarding hardship paying mortgage due to an unexplained escrow account on the mortgage account. The owner of the property wanted the escrow account to be removed from the mortgage because the total amount due was increased from {$800.00} to {$1600.00} and it exceeds the amount he is able to pay monthly. Since then, Wells Fargo will not work with us to lower the monthly payment and we are at our wit 's end. Also, Wells Fargo has not explained how the escrow is being applied, since they have included this on the mortgage. Payments are now 4 months behind, since the owner can not afford the monthly payments.

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 03/19/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Accidentally uploaded the same check twice after being heavily medicated. All accounts where closed because the same check was uploaded. Shallow investigation done. Been a member since XX/XX/XXXX or XX/XX/XXXX. Never had this issue. Was not given an opportunity to provide any information or documentation regarding what happen. Was n't informed the account was closed until after I called and then I received information in the mail. Waited over 90 days to get the funds that were held.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: when I checked my credit I found that Asset Acceptance Corp had placed a collection on my XXXX credit report I never received notice of this of any kind this is against the law and I will take legal action against this company if this is not removed from my XXXX report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MA).
Issue: Trouble during payment process

Complaint: My mortgage was sold on XX/XX/XXXX. My former mortgage company auto-debited a half payment on XX/XX/XXXX. This payment was debited for a closed mortgage account. The bank was not authorized to take this money. The bank sent me a letter in XX/XX/XXXX notifying me that the mortgage was being sold and that the auto-debit would stop.

I contacted the bank. The person on the phone agreed that this payment was not authorized and is sending to a " transfer '' department. It takes three to five business days for the department to review the activity.

The bank was not entitled to the transfer. The bank lacks the internal controls to ensure that payments are not auto-debited from closed accounts. The bank will not process a refund immediately. The payment was in excess of {$2300.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX XXXX and was told i needed to get a Peaks loan to cover my Temporary Credit balance, or else i would need to pay the full amount of the temporary credit and the follow years tuition or else I would n't be able to finish my degree program.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: Account showing from Bank of America which does not exist and they are reporting {$420.00} Charge off to XXXX Originated in 2007.

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 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I came into contact with ABC Financial as they manage the billing for XXXX and I began a two year membership in XXXX XXXX. I had moved more than 25 miles away ( XXXX of the requirements for cancellation ) and so I sent in the {$99.00} cancellation fee as well as a copy of the first page of my lease and the required cancellation document in XXXX XXXX. The check ( which included " membership cancellation '' on the information line ) was processed on XXXX XXXX, XXXX and so I assumed that that meant my membership would be cancelled since it seems improper to process a " membership cancellation '' check for any other reason. I then received a text in XXXX saying my billing method was invalid along with a yearly membership charge and a monthly membership charge ( these charges, as you can see in the attached document, were said to be " made at club '' but I have not visited the gym since XXXX so they were made against my will ). I called in and was told that they would talk with their billing department and try to locate the cancellation. I was called back around a week later and told that while they had processed my " membership cancellation '' check they were unable to locate my membership cancellation form ( even though these were all included in the same envelope and would have been received if the check had been processed ). Instead of admitting any fault they informed me that I would have to re-send my cancellation and that I would still be responsible for all of the months between when my original cancellation was received XXXX XXXX XXXX ) and when my new cancellation would be received XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 disputed XXXX XXXX XXXX with Experian numerous times. The account is charged off and closed and should be deleted in XX/XX/XXXX, however, Experian is the only credit reporting agency who refuses to delete it stating it is scheduled to remain on file until XX/XX/XXXX. My first delinquency was in XX/XX/XXXX, therefore, the account should be removed within 7 years.  XXXX and XXXX have confirmed they will remove it in XX/XX/XXXX. Why is Experian discriminating against me? 

Also, Experian, is reporting an inaccurate account from XXXX University that does not belong to me for {$2700.00}. Several months ago they deleted the account, but now have allowed another collection account to report it using a different account number. This is ILLEGAL. 

Also, Experian is not reporting all of payments accurately for the following accounts : 1.  XXXX - was not 90 days late in XX/XX/XXXX, Experian did not report my payment for XX/XX/XXXX as  well. Other credit reporting agencies are reporting accurately. 

XXXX - did not report my payment for XX/XX/XXXX XXXX XXXX - paid account, balance of {$490.00}. Please delete.

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 05-08-2016 about Debt collection (Medical) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is now going on 3 years, XXXX has removed this debt, but TransUnion is still showing as an open item.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My personal information was compromised by the Equifax security breach and I was not timely notified in a timely manner to take the necessary precautions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: my name is XXXX XXXX XXXX : NOT XXXX RECEIVED LETTER FROM YOU XX/XX/XXXX WHATIS ITGOING TO TAKE YOU PEOPLE TO UNSTAND I DO NOT OWE XX/XX/XXXX PAYMENT IF SOME ONE WOULD LOOK AT THE NOTE THEIR IS ONE SAID I HAD PAYED A EXTRA PAYMENT NONE DUE IN XXXX. I SPOKE TO A LADY WHO CONFIRMED IT WAS NOT DUE, JUST GOT ANOTHER LETTER TODAY RE : HAMP-HOME INSURANCE I RECEIVED A LETTER FROM BAYVIEW SAYING INSURANCE GOING UP AND IF I WANT TO DISPUT IT SEND A LETTER I DID ON XX/XX/XXXX-HAS MY ACCOUNT # -STICKER WITH MY NAME ON IT-WHY CA N'T YOUR DPT DO YOUR JOB AND TAKE CARE OF THE PEOPLE WHO PAY THE PAYMENTS : ALSO THE BAYVIEW CALLS ME ON XX/XX/XXXX SAYING NEVER RECEIVED SEVERAL PAYMENT NOT TRUE I HAVE PROVIT MONEY ORDER THEY WERE CASHED ASK THEM TO CHECK IT OUT ALSO WHY WOULD I DAMAGE THE MODIFACTION THAT TOOK 2YRS TO GET EVERY SENCE XXXX TOOK OVER IT TAKE 4DYS TO GET TO THEIR BANK WHICH I HAVE PROVE ALSO BUT THEY SAY AFTER IT GET TO A BANK THEN THEY WAIT ON THEIR CHECK WHICH MAKES NO SENCE WHEN I SEND MONEY TO FLORIDA IT ONLY TOOK 3DYS NO PROLEMS DO YOU AND BAYVIEW LIKE SEEING PEOPLE LIKE ME WHO WORKS HARD TO KEEP BILLS ON TRACK AND NEVER LATE DONOT CARE WHAT THEY SAY DO YOUR JOB AND MAKE THEM FIX IT I HOPE SOME DAY THE GOVEMENT FINES YOUR COMPANY FOR NOT TAKEING CARE OF THE PEOPLE YOU COMPLAINTING ABOUT.BAYVIEW LOAN IS-XXXX-IF I DO NOT GET ANY WERE WITH YOUR COMPANY I WILL TRY HIGHER UP WITH XXXX XXXX OFFICE -OR ON TV/RADIO I AM NOT JOKING.PLEASE HELP ALL I AM ASKING THAT YOU DO YOUR JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I sent in a request for my free annual credit reports. i selected all XXXX reporting agencies to respond. as of today, XXXX XXXX, 2015, i have received only the XXXX report, dated XXXX XXXX, 2015 and the XXXX report, dated XXXX XXXX, 2015, but i have not received the EQUIFAX REPORT. 
EQUIFAX HAS NOT SENT MY FREE ANNUAL CREDIT REPORT THAT I REQUESTED IN EARLY XXXX 2015. THEY HAVE NOT RESPONDED FOR XXXX YEARS NOW. I HAVE HAD TO REQUEST THE INFORMATION MORE THAN ONCE FOR XXXX YEARS. PLEASE HAVE THEM RESPOND TO MY REQUEST AND ALSO PLEASE FIND OUT WHY THEY IGNORE THE FREE REQUESTS. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Paid off the debt because it was affecting my credit score.  But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke with Transunion on XX/XX/2018 in response to inquiries I never authorized and although I had requested assistance in getting these removed their customer service would not help and take care of the negative inquiries reporting to your 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 explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (FL).
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: my mortgage servicer ditech paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX  ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX  ) the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity theft and I sent Experian the police report along with identity theft affidavit. I have contacted the collection agency who is improperly reporting the information as well as Experian to let them know it is not mine they have done nothing. Experian also is reporting personal information such as a name that is not mine and addresses that are not mine as well. They continue to report this fraudulent information and will not send me the proper documents to support this fraudulent reporting. I am sick of this! Something needs to be done. Attached is just one of the many letters I have sent to them to request they fix this and they continue to play games. This information needs to be removed immediately!!

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 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015, I applied for a short sale with Ocwen by submitting a Request for Mortgage Assistance and filing a hardship affidavit. In XX/XX/XXXX, I was approved and put on Ocwen 's " Assisted Short Sale '' program in which they listed my house on an auction site ( XXXX ). They set the reserve price and it was met and a buyer was secured XX/XX/XXXX. Since then, Ocwen has repeatedly asked me and my realtor for paperwork and the same information on multiple occasions. It seems that they wait until right before the closing date to decide they want more paperwork so as to delay approval. My realtor and I keep sending them what they request, but we keep having to move out the closing date. When I filed my hardship affidavit in XX/XX/XXXX, I stated that I would probably be out of funds to be able to pay for the mortgage by XX/XX/XXXX/XX/XX/2015. I struggled to keep paying until XX/XX/XXXX, but now have had to miss two payments because of the bank 's delay in approving my short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In  XXXX   XXXX  I lost my  Chase Bank`s  debit card. When I noticed the lose of my debit card I checked my internet banking and there were several unauthorized transactions. I called Chase Bank immediately on  XXXX   XXXX ,  XXXX  and informed that my debit card was lost and disputed all unauthorized debit card transactions with them. Chase Bank opened a claim regarding that issue. After that they issued temporary credits. Thing that surprised me that they forgot to apply full temporary credit at the beginning for all unauthorized transactions. I called them several times and only after that they put a credit for all unauthorized transactions.   After they send me some documents which I signed and send them back.   On  XXXX   XXXX  and on  XXXX   XXXX  Chase Bank reversed back all credits and denied my claim without providing me any explanation and any proof of their investigation.   I contacted them several times and requested from them written proofs of investigation but they refused to re investigate and honor my claim without providing me any grounds and documents in regards of declining my claim. It is terrifying that on  XXXX  century is not safe to keep your money in a bank and you are not fully protected even there are some laws stating that you are not liable for any unauthorized transactions. As an example Chase Bank was not able to protect my money and did not investigate the issue to help me recover my lose.   On  XXXX / XXXX / XXXX  I am submitting official request thru Consumer Financial Protection Bureau because I want to make sure that this notice will go to the Chase Bank as I noticed that all my documents regarding my claim was disappeared and I want credit for all unauthorized transactions.     Please see attached documents supporting my claim.     P.S. On  XXXX   XXXX  I have changed my first and last name.   My old first name was  XXXX  last name was  XXXX   XXXX  new first name is  XXXX  last name is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I purchased a house in a sheriff foreclosure auction and the affidavit of consideration said that there was a senior lien from Wells Fargo of {$120000.00}, see attached and now Wells Fargo says that the payoff is XXXX, see payoff letter attached. I am in the process of selling the property and needless to say that additional payoff is killing me.

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 09/18/2017 about Debt collection (I do not know) with Integrated Mediation Solutions LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was contacted at work and my cell phone by XXXX XXXX XXXX about a debt I supposedly owed. After contacting them back, I proceeded to try to figure out what company they were representing. I did not receive anything in the mail or in writing 5 days before contact explaining the validity of the debt. According to the fair debt act, the collector is suppose to sent a letter in the mail so I can research and respond to make sure the debt is valid. I requested a letter be mailed to me and the person stated that they could not do that. That is in violation of my rights. They continued to harass me and threatened to sue me. Even though they are not following proper protocol.

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 04/17/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Mortgage Company is making it impossible for me to set up automatic monthly bank withdrawals to pay my mortgage. They have mistakenly input wrong bank account numbers on this account and blamed me for it and now claim that it is impossible to put the account on auto pay for 12 months even though I have another mortgage with them on the same bank account in good standing. As I travel internationally extensively, this is making it certain that I will miss payments and thus be charged late fees and receive negative credit reports. I believe they are intentionally doing so in order to collect late fees and their customer service department is unwilling to assist.

Company response to consumer: Closed with explanation