milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: Shellpoint Mortgage Servicing Company is inaccurately applying payments on my mortgage. They have also sent me conflicting payment notices as well as payoff notices. Their Bankruptcy department sent me a ledger which is in conflict with the payment history from the servicing side of the company. Over the last 2 years, they have taken payments and rejected others without explanation. They have even sent back payments to me that belong to other account holders. Based on the above, I can not determine what is due. I wrote them a letter on XX/XX/XXXX and XX/XX/XXXX outlining the errors and attached copies of my bank statement showing payments made. I also included a XX/XX/XXXX notice from the Bankruptcy Trustee that was filed with the court which indicates that there were no objections to the Trustee 's final report, essentially meaning that I paid everything to cure the default. In my letters to Shellpoint, I indicated that I wanted to have the information corrected so that I could apply for loan modification. They have failed to provide a detailed response addressing my concerns or make corrections. Instead, they have rejected my payments and on XX/XX/XXXX referred my loan to XXXX XXXX XXXX law firm to start the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested investigation several times via certified mail ( I have receipts ) regarding inaccurate intems that appear on my credit report. They have yet to provide me with ANY written documents proving how they verfied the accounts in question. I recently received a response from them stating that they would not provide me with, correct or remove items that they have not actually verified as accurate according to the law. Specifically, the company XXXX. Information the my credit report is showing that the account is in Bankruptcy ( Filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016. ) Please see attached documents. This is currently showing as a negative account on my credit report. 

There are also several XXXX XXXX accounts that I disputed as well as XXXX XXXX XXXX that have not be verfied at my request and are still appearing on my 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 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I submitted a previous complaint and I am not happy with the response ( attached ). First and foremost they are stating I was not discriminated against when clearly I was. I would like someone to listen to the call as stated in the previous complaint when I was denied the option to change my payment options so I will not miss my forbearance payment arrangement. However as we fast forward to today I am now out of the forbearance agreement due to missed payments ( interesting ). The original complaint had to deal with me calling to make a payment and in the end they did not believe it was me and refused to take my payment. I was already in a financial hardship and now they have caused me even more pain. I want the credit reporting stopped until this issue is resolved. In the letter I was told I can make a payment. Please note I am locked out of my online banking and my statements are sent electronically. My last payment amount was {$20.00} a month in the forbearance agreement my new payment is unknown. I tried calling in XXXX 2017 again to try to rectify the situation since I have not heard back from the first CFPB complaint. I was transferred to credit department or collections not sure exactly which one. Where I was told that my credit will be fixed and they would take a payment. When I was transferred the call was lost. I then called back was given the number to the department I was being transferred to and again the call was lost. When I called the number to the department I was being transferred to it was a fax line. I had to get back to work so I was unable to attempt a 4th try. I want my credit report fixed and to be compensated for the hours I spent working on this issue. I spent well over 4 hours to rectify this and still nothing. The best result give me a settlement offer of 40 % of the balance and we can call it a day and we will never see speak to each other again I can promise you that. And most important as I stated previously FIX MY CREDIT due to your error.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX, i contacted XXXX XXXX XXXX in XXXX XXXX california. i filled out an online form to gain more information on a vehicle they had for sale, as i had been pre approved for a loan through my local credit union. XXXX XXXX XXXX ran my credit, causing a hard inquiry and causing my credit score to decrease. I immediately contacted them and told them that i had never applied for credit and to please remove the inquiry and they said no,.

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 11-04-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX XXXX XXXX home loan was bought by Nationstar Mortgage Company. There has been nothing but harassment. I pay my loan before the grace period ends. I keep receiving reminders ( threats ) to pay my loan. I also keep receiving solicitations to refinance my loan, also for insurance products. I am trying to refinance out of this company 's clutches. The reviews of this company are horrific. How are they still in business?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Consumer Loan (Installment loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: I have noticed XXXX numerous times thru disputes that there are NO debts associated with my name. There was an XXXX debtor search certified from the Texas Secretary of State that there are " zero '' debts owed to any alleged creditor. XXXX is in violation of the FCRA ( XXXX XXXX XXXX ) and guilty of re-aging debt, re-insertion of unverified debt, and using copyrighted property. On XXXX XXXX, 2015 Report No. : XXXX confirmed with a hardcopy notice of the deletion of alleged creditor " DT CREDIT ''. It has been over 30 days and XXXX is n violation of XXXX XXXX XXXX XXXX Each at XXXX XXXX XXXX {>= $1,000,000} XXXX per violation per XXXX XXXX XXXX. XXXX. Without Prejudice. I have been damaged and negatively impacted by this negative line of credit remaining remaining my 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 11/17/2016 about Other financial service (Check cashing) with Harpeth Financial Services, LLC (TN).
Issue: Fraud or scam

Complaint: I was not sure whether " lost or stolen check '' or " fraud or scam '' better fits my situation. I wrote a check for a man who was supposed to provide services for myself and a client. Before I gave the check to the man, my client informed him ( not yet me ) that the project was cancelled and that we no longer needed his services. At the time, no work had begun at all, and none has ever been done, at all. He and I had already scheduled a time to meet for me to hand over the materials to start the job and the check for the project. When we met, he lied and said the project was still " on '' and I handed over all of the materials and the check. Minutes after I handed him the check, the client told me the project was cancelled and that she needed to make sure he was n't prepaid for it ( and that she had already told him this ). I immediately told him that I needed the check back, that the project was cancelled and that I was aware that he was notified of the cancellation before he accepted the payment. I told him there would be a Stop Payment on the check. He would not respond to my texts and phone calls and went immediately to a check cashing store to cash the check that he knew had a stop payment on it. Flat Out Fraud. The check cashing store cashes the check and pays the man. Days later, when the check cashing store tries to deposit that check into their account, it is returned because of the Stop Payment. They first try for several days to contact the man, but of course, he is a criminal. He is not going to do the honest thing, answer them, and right his wrong. After he does not answer them or respond in any way, the check cashing store calls me to " collect a debt ". They call multiple times a day to pressure me to pay them back what they paid to him. I do not have a debt to them. I did not go into their store and take money from them. The man did. I confronted the man about this and told him that I needed the money that he took from the check cashing store. After first trying to deflect and change the subject, he apologized several times and said that he would " get me my money back ''. However, he never has, and has continued to ignore calls from the check cashing store. The check cashing store now harasses me everyday to pay them. I do not believe I should have to. I did not defraud anyone and have never even done business with their establishment at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/22/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Pioneer Credit Recovery XXXX XXXX XXXX. 
XXXX, NY XXXX Has been contacting people who served on my children 's schools PTA and telling them that I have an outstanding debt. They have been giving them account numbers and identified themselves as debt collectors.

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 08/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: Checking account with Bank of America was debited for XXXX transactions that came from an expired billing agreement with a fitness center. The billing agreement lapsed and the company has no right to bill me. Bank of America has tacked on numerous fees after I was unable to reach anyone at Bank of America to dispute the transactions. The transactions which caused these issues are not valid and as such, the penalty fees are not either. I dispute the validity of the negative balance and challenge the debt as invalid.

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 03/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan with Ocwen/ GMAC that was paid in full in 2006 as of today it does still as open on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with Penn Credit Corporation (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. <P/>My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? <P/>Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA 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 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I worked for the XXXX XXXX XXXXXXXX for 27 years as an XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX ) and was Forced to retire for reporting violations on the government system at age XXXX in XXXX. My students that was established in XX/XX/XXXXand should have been forgiven by the government as I applied, but it never took place. My loan was originally with XXXX XXXX but was turned over to Navient who is over charging students. My loan ended in XXXX at approximately {$17000.00} with an XXXX  Degree and I neve finished to get my XXXX yet my loan Went up to {$36000.00} plus. I contacted OPM who stated my loan should have been forgiven years ago. My Salary prior to retirement was {$71000.00} and now {$19000.00} annually. It is a struggle to try to maintain my current finances plus this student loan. I am a military spouse and my husband is currently suffering from XXXX and dealing with this situation and a student loan of this amount at my age is very stressful. I also have a severe physical, intellectual, or psychiatric XXXX and is in not state to repay a {$36000.00} Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am having an issue obtaining my credit report with Experian,  XXXX  and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one  of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX     2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.

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 09/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit card protection / Debt protection

Complaint: In response to Capital Ones ' solicitation letter for home refinancing, I called them up and asked loan programs they have. I expressed my interest in one of the programs and asked them to send the application. They asked my credit card number to proceed. I hesitated to give, but agent said " no charge '', " no charge '' " no charge ' number of times. Since I did n't sign the application yet, I assumed it will be O.K. with such a big company, so I gave them my card number. Next day I receive application forms. But before I sign I received a better offer from another company, so I cancelled the application to Capital Ones the next day. 
However, when I received my credit card statement later on, I found they charged {$450.00} commitment fee which I can not accept. At no point the agent made me understand that just giving the credit card number is an acceptance of the offer and I am subject to any commitment fee. Who would accept that kind of offer in the world unless the person is a stupid or crazy. I think this is a typical example of credit card abuse or cheating to an innocent customer. I think U.S. is lawful country and I sincerely hope you would help me to resolve this kind of nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I filed a complaint ( # XXXX ) with the CFPB on XXXX/XXXX/16 regarding Citibank not depositing XXXX XXXX XXXX miles into my account for a promotion I had met the terms of. They responded on XXXX/XXXX/16 and said I would receive the miles within 60 days. Those 60 days have now passed and I have still not received the miles.

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 11-02-2015 about Credit reporting () with FACTUAL DATA CORP. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX reported that I was past due on our credit card payment. 
They are wrong and could not provide proof that I was ever even sent a bill, they 're only response was that they sent me a bill and that was enough. I believe this is a scam as XXXX XXXX ( the company that issues the cards for XXXX ) benefits by charging higher interest rate to consumers after inventing the late charge, or not providing proper notice of a due payment. 
In fact our account has a positive amount currently in other words they owe us money. 
I will be closing the account after submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX. 
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint. 
I am enclosing XXXX pages of documentation. 
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days. 
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you. 
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE. 
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery. 
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER. 
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP. 

Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well. 

Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Taking out the loan or lease

Complaint: I HAVE PAID MY CAR LOAN. 
I DO N'T OWE.

Company response to consumer: Closed with explanation