milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014, our house was hit by a severe XXXX. PennyMac, as our mortgage holder, is responsible for disbursing the funds from our insurance company so that we can pay for repairs to our home. 

Repairs are now complete, but PennyMac is stalling on releasing payments. This means that we either have to ( a ) go out of pocket and pay contractors ourselves ( approx {$40000.00} ) or ( b ) continue to nag PennyMac to release our repair funds, and run the risk of incurring late payment fees or, worse, a lien from our general contractor. 

Numerous calls to PennyMac have failed to push the process forward. It seems that PennyMac has instituted a process of losing paperwork and giving its mortgagees the runaround in an attempt to keep our money as long as possible and generate interest.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & XXXX   & Experian Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I 'm dealing with Navient and it has been a hassle understanding the balance being reported on my credit report and interest being applied. I Recently saw a {$3000.00} spike on XXXX loan in a 30 day period. There are XXXX other accounts being reported and I need to know what schools they came from because the same activity is happening on those loans. Navient has not been of any help even though they call me daily about a payment that I do n't owe. I was forced into an IBRP because I did n't know my rights and did not want my credit effected anymore. After all, it 's the government. But if I 'm forced to pay something I would like to know the source, where the balance is coming from, and the interest rate applied to calculate the amount of accrued interest. If Navient is unlawfully misapplying payments and can not verify the above, the only resolution would be to delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Savings account) with CITIBANK, N.A. ().
Issue: Account opening, closing, or management

Complaint: I want you to contact Citibank and XXXX XXXX XXXX of Citibank, XXXX and ask him why my online Dollar Account is still not activated after i paid all the fees they had asked me to pay.I paid {>= $1,000,000} for the online dollar trust Fund account and {$500.00} for the Authorization and Activation fees which Citibank and XXXX XXXX XXXX of Citibank, XXXX ask for on the XXXX XXXX 2016 and then Citibank and XXXX XXXX acknowledged receipt of my payments fees and said they are working on my Online account, but to date nothing has not been fixed.I want Citibank and XXXX XXXX to be exposed and also i want the XXXX Police, Fbi, and XXXX and CFPB to intervene and force the Citibank to fix my account and i also want to take my account to other Banks which will treat me with respect.I owe people money and i cant afford to starve when i have money at Citibank, XXXX and the people i owe money dont trust me and said i am a liar when i told them that Citibank, XXXX is still busy with my Account.The last email i received from Citibank and XXXX XXXX XXXX was on the XXXX XXXX 2016 telling me that he is busy with my online Account and that he will activate my online account but since then, i have not heard nothing from him or Citibank.When i try to contact XXXX XXXX XXXX and Citibank, XXXX, they keep ignoring me or dont attend to my calls or emails.I am not happy at all and i want actions to be taken against Citibank and XXXX.Should you need additional proof of documents and job id card of XXXX of Citibank, XXXX feel free to contact me on my email address and i will forward you with all the documents, Proof of payments i made to XXXX XXXX bless of Citibank, and all his emails he send me and his Citibank Job id card .I look forward to hearing from you and how to resolve this with Citibank , XXXX.I would also like for Citibank to refund me all my money i paid to them and XXXX XXXX of citibank, XXXX and possibly take my Account to other Banks which will treat me with respect.There are better banks like XXXX , XXXX XXXX XXXX and others which can give me better service than what Citibank is doing to me.Thanks Regards XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other

Complaint: I was turned down for a venture credit card from Capital One credits cards. They sent a letter stating the reason for my denial was the length of my credit history as shown by XXXX. However, I have been borrowing for over thirty years now, and when I called XXXX to ask them about the problem they stated that they have no record of Capital One even making an inquiry against my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company?

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 02-02-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: Debit card was stolen and used to make bad deposits and withdraw cash from my son 's checking account. Additionally, the card was used to make purchases. I reported the lost card immediately upon my son realizing that he did n't have it. Suntrust opened XXXX cases for the reported fraud on XX/XX/2016. On XX/XX/XXXX, I received notification that the cases were opened. On XX/XX/XXXX, after I received notification that my case ( claim ) was denied. On XX/XX/XXXX, I went to a local branch to discuss the case since the customer service telephone service could not give me any details on the denial. The branch VP talked to corporate staff via phone while I was there to better understand the denial and appeal process. I was told that I would receive information via mail about the appeal process. On or about XX/XX/2016, after having received nothing via mail or email, I again went to the branch office to discuss the matter. She again discussed the case with corporate staff via phone in my presence. I was told that I needed to file an appeal if I disagreed with the findings. On XX/XX/XXXX, Suntrust sent me two letters : one that they received my dispute and the second that the rebuttal did n't provide additional information to overturn their decision. On XX/XX/XXXX, my son filed a police report with the local department. On XX/XX/XXXX, I faxed a letter appeal to Suntrust along with copies of the obviously fraudulent deposits as well as the police report. On XX/XX/XXXX, I stopped by the branch office and asked if the VP could help. I told her that I had sent the appeal and received nothing even though the previous correspondence to Suntrust had resulted in almost immediate responses. I emailed her a copy of the letter that afternoon. On XX/XX/XXXX and XX/XX/XXXX, I received emails from the VP inquiring about responding via a " rebuttal form ''. I have received no written response to my XX/XX/XXXX appeal nor have I been reimbursed any of the stolen funds or bank charges due to insufficient funds.

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 09-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Third party collection agency has been harassing me for years over a dept. They came to my home and threw paperwork into the doorway when anyone answered the door. They garnished my bank account taking {$17.00} of my last {$20.00} ~ all the money I had to my name. I finally contacted them and worked out a payment plan, they were not flexible on the amount and insisted on {$100.00} a month ~ the only way I was able to do this was to stop filling one of my prescriptions. I paid off the entire balance of the principle ~ informed them in writing that my dept was paid in full. Now they are coming after me for there fees & fines and again threatening to garnish me. The harassment has gone over the top ~ it 's unfair and needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NE).
Issue: Managing the loan or lease

Complaint: I actually have XXXX complaints about Toyota Financial Corp. 
The first is their calling practices. They will initiate collection calls well ahead of when the payment is actually late. They claim they are reminders, but they are clearly collection calls. The calls continue regardless of any arrangements made. Also, the caller ID never identify them as Toyota Financial. 

The second complaint against them is this : I had gotten a bit behind and asked them for an extension. With other finance companies, this has never been a problem. Toyota said I ca n't have one, fair enough I guess, but when I asked for a reason, and when I 'd be eligible for one they claimed that their company policy was to not give out that information. I 'm sorry, but " Because we said so '' is not an acceptable thing to say to a paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX Citibank assessed an annual fee of {$450.00} on my AAdvantage credit card. On XX/XX/XXXX Citibank unilaterally closed all of my accounts. When I called to have the annual fee reversed, I was told to wait 1-2 billing cycles. I did and the fee still has not been reversed despite numerous requests through Customer Service.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 10 credit inquiries on my XXXX credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform 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 06/24/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX at XXXX, I received an email alert from Paypal that I had authorized a payment of {$39.00} to XXXX. I emailed them back and told them I had not authorized such payment, asked for refund. I also emailed XXXX and told them I had not authorized any such payment or any continuation of services. Asked them to cancel. XXXX renewal date was XX/XX/XXXX, the date I emailed them, so I saw no reason for them not to cancel and refund my l money. I received an email from XXXX on XX/XX/XXXX telling me I could change my payment options from automatic for the following year but they would not refund my money. I went to XXXX website to check my account and the only account authorized for payment was my debit card from my bank, not my Paypal account. The debit card on file with them was no longer valid, I had to get a new one. I do not know how they got my Paypal information. I contacted Paypal and told them this, but all I 've gotten from them is form letters telling me to change my payment plan on their website, but I never authorized them to pay it in the first place. I have contacted both Paypal and XXXX several times and informed them that I saved the XXXX page, took pictures of it and printed it, showing that I had not authorized use of my Paypal account. I also have asked for an explanation of what the {$39.00} charge was actually for but have not gotten any good answers about anything. I then checked back and Paypal paid XXXX {$19.00} from my account in XX/XX/XXXX, which I also did n't authorize. I have checked the consumer complaint boards and there are XXXX complaints about XXXX and Paypal doing the same thing to other people. Please stop them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian XXXX is reporting collections and wrongful information on my credit report. 
I was employed at XXXX California from XXXX XXXX till XXXX XXXX. 
I retired from XXXX on XXXX XXXX, on XXXX XXXX XXXX. 
I was not Retired or employed by XXXX XXXX XXXX XXXX of XXXX XXXX in XXXX. 
I was only a volunteer XXXX of Directors. 
Also why Experian.XXXX allowing creditors or companies running my credit without my consent. 
I have over XXXX unauthorize credit inquiries on my Experian.XXXX that are Hard pulls and is destroying my credit scores. 
I have credit scores with Experian.XXXX in the XXXX.l can not obtain any credit to help my daughters education for college tuitions because ExperianXXXX Credit Report and negatives collections and inquiries. 
I have disputed various occasions and Experian XXXX plays hardball. 
I am been Retaliated and Discriminated as a XXXX Veteran. 
I also requested for Experian XXXX to immediately remove and delete the Fraud alerts on my credit reports and they have not deleted as of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with Penn Credit Corporation (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Penn Credit Corp contacted me about someone else 's debt. They called my phone number and asked for someone else. When I asked, the caller provided company name and phone number for a Do Not Call complaint. When I asked what the call was about, the caller initially refused to say anything beyond something like confidential business information, and could not discuss with a third party. However, during this time, I XXXX the company name and the caller confirmed that she is a debt collector -- thereby revealing the person she was asking for owes a debt. 

Debt collectors put themselves into a conundrum by calling third parties. They can not reveal to that third party that they are attempting to collect a debt, but they also can not hide the fact that they are a debt collector. The only solution is to not call other people in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My Spouse and I both have a inquiry on our credit from a XXXX used cars. 
We have not bought or financed a auto from this institution. We have XXXX continuously requested for this to be verified several times. So it can be removed because it was not done with our consent. Equifax keeps saying its verified! Which is not possible when we have tried to contact this company that SC XXXX shut down and the XXXX revoked their license. I have informed Equifax of this fact! But yet they keep saying they verified it belongs to us! How is this possible when the Government of SC shut them down? Can you say someone at equifax does n't do their job? I can vouch we have disputed this so many times and still it 's hurting our score a a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Federal student loan debt) with Ceannate (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Currently having my wages garnished without due process. Collection agency, FMS did not send any notices prior to sending my employer the " Wage garnishment order ''. When calling FMS to verify, they told me the notices were sent to an address I lived at ten years ago! The company requested information ( which I faxed, with proof  ) t o verify my demographic info : Lease, driver 's license, proof of mail, bill statements, etc. Only for them to say, " they did not get the fax '', a month later. Called to request the debt validation information as well as my 30 day notice of wage garnishment from FMS. Spoke with "  XXXX   XXXX  '' of FMS who refused to send me copies of those letters. He refused and was no help. Stating that the demographic information was given by the  Dept of Education . Then I called the department of education who claimed they 've been sending letters to the old address as well! My address has always been updated. Even if they 've managed to find my employer.

Company response to consumer: Closed with explanation