milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing.

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 08-09-2017 about Student loan (Private student loan) with SLM CORPORATION (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: my checking account has been being shown as maxed out on my report when it barely has any amount left outstanding. I 've been waiting since XX/XX/XXXX for it to change. I 've filed a dispute, but no word back yet. I tried calling and every single time I call TransUnion, they disconnect on me. I have yet to find a way to get through on their phone lines without being instantly disconnected by their end. Their call center appears to be a sham and leaves me with no option of speaking with someone to understand what 's been going on with their lack of updated credit information.

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 04-12-2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: On XX/XX/XXXX, I received a statement in the mail informing me about my credit protection plan. The was the second attempt they claimed to have sent me. I have never signed up for a protection plan of any sort. I am only able to review statements up to XX/XX/XXXX, and I was charged the Protection Plan fee on that statement continuing up to today 's statement. The fees range from $ XXXX- {$14.00} a month depending on the balance. This is already at {$200.00} that I have paid for a service I never signed up for. I am demanding the statements be sent to me from the opening of my account back I believe in XX/XX/XXXX. I will be contacting Citi bank in the morning. This is pertaining to a Macy 's account.

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 11/25/2016 about Credit card () with U.S. BANCORP (IL).
Issue: Payoff process

Complaint: XXXX XXXX, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account {$570.00} without my authorization after a credit card payment! On XXXX XXXX, I completed an external transfer for {$300.00} and {$270.00} respectively to my XXXX US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling {$1100.00}. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held for 17 days until returned! I have also left voice-mails to the special payment research department and have yet to receive a phone call back. This is unacceptable for my money to be held while US Bank makes interest for over a week! My funds need to be returned to my bank account immediately with interest! I 'm looking for a fast resolution and funds returned as soon as possible. 
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 12/26/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ACCOUNT RESOLUTION SERVICES ACCOUNT NUMBERs : XXXX and XXXX XX/XX/2016 XXXX, XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT RESOLUTION SERVICES or any company associate with this account # XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT RESOLUTION SERVICES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 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 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I booked a hotel with American Express Travel this past XXXX ( 2017 ) and used my American Express card to pay for the hotel fees. However, American Express Travel did not fulfill their contract with me and subsequently, I disputed the transaction with American Express so I could receive a refund. Although American Express should be unbiased and evaluate my dispute objectively, since American Express Travel is part of their company, they are not evaluating the transaction objectively. I know this because they literally told me. And they even told me that they could put me online with Amex travel. 
I can go into the exact details of how XXXX Travel did not meet their contract if it necessary but much of that information and associated documents are already in American Express 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with Social Finance, Inc. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and  requested they change the Mortgage Company to SOFI and  to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: we have been getting late night collection calls from our mortgage company because we are two payments behind. We have been in contact with the on a monthly basis to let them know why we are behind and when the next payment would arrive. The other night we received a call from the same number at XXXX. It showed up tonight again when the representative called and harassed us about all of the things we have given the information on just last month. The representative refused to accept my answers and threatened more harassing calls until the loan is brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The bank did not pay the tax from the escrow account in a timely manner, although I have reported the tax notice to the bank in the way they guided. Then, the bank claims that I am responsible for the late payment.

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 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: ( 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 XXXX XXXX XXXX These number do not belong to me my phone number is XXXX. So the number that is above do not belong to 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 08-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my credit since my wife and I are looking at what it would take to get a house next year in the XXXX. When looking at the Equifax report in early XXXX I noticed a card on the report that was not mine. I disputed the item with Equifax , who then a month later said that they had verified the account and that it was " mine ''. I called the Bank and they claim that I do n't have an account with them, yet Equifax insists that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Recently obtained a mortgage for {$800000.00} with Wells Fargo account. I told them at the time that ALL funds would be transferred out of my new account to fund the mortgage as it was the funds I needed for the loan. I personally went into the XXXX XXXX, CA location on XXXX XXXX XXXX to set up the account and experienced a young gentleman name, XXXX XXXX who asked a zillion and one questions as to what I was purchasing and doing with my money. Personally I told him it was non of his business as his voice was extremely loud and carried throughout the bank. He was so unprofessional when it came to doing business nor did he have any business sense in keeping peoples banking affairs on a confidential level. At that time, I told him the account was would be closed after the funds were transferred out as I did not want to hold a personal account with Wells Fargo. He was persistent with me and continued to ask. The more he asked the more upset I got. I told him I do banking with a local banker and very happy with my current situation. This transaction took place on XXXX XXXX, XXXX. Since then, Wells Fargo took it upon themselves to withdraw {$63.00} out of my XXXX. olds account who also we filed a complaint as his account was compromised by excessive fees. Again, typical of Wells Fargo and charging fees that are unnecessary to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: this account was supposed to be paid by insurance company. I saw this debt on my credit report and discovered hippa was violated by disclosing the nature of services provided. FCRA-605 ( a ) ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing statement

Complaint: Around XXXX/XXXX/16 I recieved a Barclay card and immediately started making purchases on the card raising my balance to about {$1300.00}. Next thing I know my credit score dropped around XXXX points, when I went to see why I found that Barclay had reported to credit agencies that I had a balance of {$1300.00} but my payment was n't due for another 3 weeks. When I contact Barclay to find out why, I was told that every purchase made is reported. I immediately paid the card off in full about 3 weeks before the due date and to this day Barclay has not removed that balance from my credit report. Barclay reports charges but not payments. The Barclay XXXX Card XXXX ruining peoples credit.

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 11-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am getting repeated phone calls from portfolio recovery from several different numbers all hours of day and night. XX/XX/XXXXXXXX again at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. They do not identify themselves when they call, they will not state the company they are calling from without an argument and are telling me that they want to collect on my XXXX XXXX XXXX. I have a XXXX XXXX XXXX XXXX in good standing and tell them I do not owe XXXX XXXX any money they claim its an old debt. I tell them that I do not owe and they get beligerent so I get beligerent back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with CITIBANK, N.A. ().
Issue: Confusing or missing disclosures

Complaint: I had use money international transper from citi prepaid bank, it 's already more than  XXXX  weeks I do n't receive my money,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've got ta collection from XXXX XXXX for an account that does not belong to me! 
Though I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Medical) with Round Two Recovery (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX and Roundtwo Recovery are reporting debt on the same account. The account was paid XXXX 2014 to XXXX XXXX. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including Roundtwo Recovery and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with URS Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting

Company response to consumer: Closed
Consumer complaint received 02-06-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX refuses to take my payment in full citing an agreement entered into with the CFPB

Company response to consumer: Closed with explanation