milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Trouble during payment process

Complaint: ( XX/XX/XXXX ) XXXX XXXX XXXX cease. The next thing I receive is XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held on XX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX  XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letterXX/XX/XXXX stating until an investigation is complete, all collection activities will cease. The next thing I receive is the foreclosure lawsuit, without any investigation results. ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held onXX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letter XX/XX/XXXX stating until an investigation is complete, all collection activities will e foreclosure lawsuit, without any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I paid Equifax to safely monitor my credit, try to get out of my debts, I trusted them and they ended up leaking all my financial information. I want all the money back I paid as well as compensation for stress and potential risk I am now facing due to their leaks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (MO).
Issue: Can't stop withdrawals from your bank account

Complaint: About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}. 
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Company hires XXXX XXXX and they harassed me and threatened me and told me that USA federal aid had them come after me that they work for them

Company response to consumer: Closed
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Ditech Financial LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This now my 3rd or 4th complaint and the first revealed that Ditech had no record of a debt attached to the phone number they have been calling but yet the calls continue. Today when checked my answering machine there were 2 more. I guess I really need to just start logging these because what, it 's worth a XXXX or so per call and notification and confirmation on debt exists has been well documented on this site!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo created an account for me and my girlfriend because we wanted to open a joint account. I had an existing account with them, and they said they would close it, and they never did. 
Consequently, I was charged monthly service fees and overdraft fees because the account had a {$0.00} balance because THEY XXXX the balance and lied about closing it. 
I spent days trying to get my account closed. I even sent follow up e-mails and no one responded to me. The reps I spoke with were XXXX XXXX from XXXX XXXX, PA, and someone named XXXX from XXXX. I also spoke to a female rep from XXXX who was extremely rude. They all lied to me and caused many problems, and costed me much money and time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohl 's department store keeps calling me, at least XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days

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 08-10-2015 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2014 I XXXX and went to XXXX XXXX XXXX where I had been admitted to emergency room. 
They took XXXX, and told me that I had to go and see a doctor who would be able to read them and figure out a treatment plan for me. 
I received XXXX bills:1 - from an emergency room doctor2 - for the emergency room chargesEverything had been taken care of. 
I picked up a CD with XXXX XXXX and visited a physician outside of the hospital. He viewed the XXXX and gave me instructions on what to do next. 
XXXX months later I receive a bill from the XXXX technician of the XXXX XXXX XXXX claiming that he read the XXXX for me. 
I have not even seen him, and I have never seen his readings. If I had, I would not have to see another doctor. 
When I tried to explain it to the hospital`s accounting representative, she won`t listen. 
They had Fresno Credit Bureau collect the debt for them. 
Their reps were calling me every day telling me to pay the debt. Finally, I gave up, as it is very frustrating and stressful to deal with them. 
I went to the website and paid the amount they claimed as my debt - {$83.00}. 
The payment went through, but then got rejected. I contacted them, and they told me that the amount went up, and it is around {$150.00} now. 
I really hope you can help me with this issue, I`m trying to rebuild my credit, and I do not need another debt in my credit history. 
I appreciate your time. 
Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with AQUA FINANCE, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After graduating from XXXX in 2005, I accumulated around {$20000.00} in student loans. 13 years later and making payments for years and years on time my balance is now {$15000.00}!!!

How can that be?

Right after graduating I was struggling to pay the entire monthly payment and they automatically directed me to forbearance. I wonder if thats the reason.

Navient website right now is set in such a way that it still directs people to programs that lowers monthly payments. I want to pay more to get rid of this evil loan that never seems to disappear.

Since I graduated I paid off 3 cars!!! So why is this loan not going away??

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was sent to collection by XXXX XXXX for a debt the was supposed to be sent to XXXX XXXX. XXXX never forwarded the bill to XXXX XXXX, but instead put me in the hands of XXXX collection and now Overto Russell & Doer. This account is XXXX years old. I have documentation from XXXX 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 07-11-2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with Alliance Data Card Services (IN).
Issue: Balance transfer

Complaint: Comenity Meijer. Got an offer for balance transfer zero interest until 2018. I initiated the balance transfer online from this card to XXXX for {$900.00}. It posted to my account XX/XX/XXXX. I followed up got late fees and interest. It never posted. Comenity indicated to wait, it could take weeks or months. In XXXX I believe I contacted them again via messaging. Finally they opened up an investigation. In XXXX I received a letter that it was never cashed and I called to have the money returned to my account. They advised they would stop payment immediately and get the money back into my account. They never did. Called again in XXXX and they said they 'd investigate. Never called back. Called back again and was told it was cashed so I asked ONCE AGAIN for a copy of the cancelled check. I was told a request would be escalated. Instead I got a letter confirming the check number XXXX cashed and they were closing out their file. I called today for a copy of the cancelled check AGAIN and the rep said the next day notes were put in the day after the letter was generated, XX/XX/XXXX, that check was NOT cashed. I said then stop pay and refund my account immediately. She said she 'd send to the person assigned to look into this. My first inquiry was XXXX and now it 's XXXX and I am out of {$900.00}. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with Focus Holding Company (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (I do not know) with Residential Credit Solutions, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX. 

I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX. 

On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. 

RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Chase refuses to close my credit card account and keeps sending me new credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: College charging me for a semester I enrolled but could not pay for & had to withdraw from. 
College claiming withdraw policy not upheld. 
College did not clearly identify their withdraw procedure, should not civilly have this kind of withdraw procedure, & also implied strongly that they had a normal automatic withdraw procedure. 
College may also be claiming I received student aid benefits, whereas I did not. 

1 ) I enrolled for XXXX class. 
2 ) I attempted to find funding for semester. 
3 ) I failed to find funding, & could not meet my own cost of living bills. 
4 ) the College sends out warning e-mails implying non payment results in automatic withdrawal ( which is normal in my experience. XXXX, XXXX, XXXX, & XXXX all do this, XXXX implied that they do as well. ) 5 ) XXXX claims I owe them for semester that they know I did not attend, & offers repayment options, but obfuscates contention options. 
6 ) Personal attempts to locate an opportunity to contest their claim yield no results, & further investigation requires a dedicated PHYSICAL trip to their campus, when hours of operation are limited, a full days time is guaranteed to be consumed, & no meaningful resolution or promise of helpful information is assured. 
7 ) Because I am finically destitute & spending my time job searching, this is not an option. I do expect XXXX to self identify their mistake & correct it. 
8 ) XXXX sends their claim of my debt to a collection agency. 
9 ) I contact collection agency & request dispute & information. 
10 ) Agency sends information informing me that XXXX is claiming they provided funds for the semester I did not attend, & that I was not withdrawn from that semester ( my first clue that they have a scam policy. ) 11 ) My credit union records confirm that I did not receive funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (KY).
Issue: Application, originator, mortgage broker

Complaint: Nationsta mortgage will not give me or peoples bank payoff amount so I can refinance my home.

Company response to consumer: Closed