milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with MOHELA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am concerned regarding a breach of privacy and rights regarding my Mohela Loan Vendor, and involving the bank XXXX XXXX XXXX. 

In XXXX of this year, I received a letter dated XXXX stating my auto debit bank account information had been changed after a request made by my bank. 

This action negated a previous change I had made to my auto-debit account information on XXXX/XXXX/2016 and had been processed by Mohela for my XXXX 2016 loan payment. 

The information provided by Mohela in the letter indicates that they changed my auto-debit information without my consent back to an old account number that existed with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been absorbed by XXXX XXXX XXXX and my account number with XXXX was/is no longer valid. This is what started the whole process of changing my auto-debits in XXXX, 2016. 

After being contacted by Mohela I reached out to them and was told that I had followed all procedures correctly for my change in XXXX of 2016 and they verified the change became active and successful for my XXXX payment. They then told me that despite this I would have to reinitiate a change back to my preferred account because the information that I entered in XXXX was no longer in the system due to this contact from XXXX XXXX XXXX. When I called XXXX to discuss why they would change this information without my consent, and why they would use an old and invalid account number, I received no answers. They claimed there was no record of them initiating a change, but they would look into the issue. I have not heard any more on the matter from XXXX. 

My issue is twofold. First, I have to repeat a time-consuming process that I have already completed. But, more importantly, I am making loan payments to an institution that seems to have very loose controls on my account information. After following their process, giving my consent, and waiting for the change to enter their system all this work was negated by one phone call that did not come from me -- the only authorized user of my account. Not only did they make the change without my consent, they did not verify the change with me, instead choosing to notify me by letter of what had happened without my knowledge. 
I do not understand who is at fault most primarily in this situation, and however - neither Mohela nor XXXX requested my consent for any changes and for that fact, I feel there has been an egregious privacy breach by both institutions regarding my personal information and preferences. It has at times elevated my level of XXXX in my quality of life and marriage, and going forward gives me little faith in the privacy rights I have with Mohela. 

Thank you for reading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Began to receive bills from XXXX XXXX XXXX XXXX XXXX for service I never received. Contacted hospital and then dr. office confirmed although same name, different birthday and address. This occurred XXXX3 times, I was told it would be updated and I would not longer be contacted. After a few months I received a collection noticed and it is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from GMAC to Ocwen years ago. I had to fight with them on even getting ACH payments set up. I have NEVER made a single late payment on my morgtage, and today when I noticed my XXXX 2017 payment was never pulled by OCWEN I called them. I was told they transferred me to a new division in OCWEN and that the system cancelled my ACH payments and I was " notified by a letter sent out ''. I was NEVER notified, I have NEVER made a late payment and now they wo n't set up my payments again. In order to set up a matching payment plan they want an extra mortgage payment upfront " because that is what the system tells them ''. I will be watching my credit reports and scores closely, I have spent too long rebuilding my credit from my " stupid XXXX 's '' period to now to have this crooked company ruin it now.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2016 went to XXXX store on XXXX XXXX XXXX, XXXX, TX XXXX their number is ( XXXX ) XXXX. I took my Serve card to withdraw money from the XXXX XXXX atm at XXXX. When I tried to withdraw the money and put in all my information, the atm did not dispense my the {$140.00}. So I called the number for the atm they told me to file a complaint and the money would be credited since i received no money from the atm. An employee at XXXX named XXXX informed the atm merchant that this was not the first time they had issues with the atm and they needed to get it fixed. So I called american express serve at XXXX. I spoke to a representative who i explained everything and was no help at all. She kept putting me on hold then transfers me to a supervisor. I explained to the supervisor what happened and i never received the money or receipt from the Atm yet the amount was deducted from my account also with a fee of {$2.00} for using a atm. I then received a email from american express on XXXX XXXX that it would take 10 business days for them to investigate. That they will send me another email within 10 business days with more information whether they be able to credit me. 
On XX/XX/2016 at XXXX I received a email requesting more information that they needed it with in 10 business days. At XXXX XXXX XX/XX/2016 i received a email saying they are not going to credit the amount I never received on XX/XX/2016 for XXXX plus the XXXX service charge fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: At Bank Of America, I have had my personal & business checking account assessed with several NSF/Overdraft fees, since XXXX continuing into XXXX inspite of the fact that I was told the checking account has been linked with Bofa Credit card to avoid any fees and I covered the deficiency balance on numerous occasions the same day. Inspite of everything I have done to avoid getting hit with these fees, the account keeps getting charged with these erroneous fees. I contacted the personal banker, XXXX XXXX XXXX for this issue ( See email excerpt below ). I can not afford these fees as I 'm already struggling financially and being a long-time bank customer, and have maintained account in good standing. I 'm not getting any assistance from the bank for this issue. 

From : XXXX Sent : Friday, XX/XX/XXXX XXXX To : XXXX Subject : RE : NSF fees Hello XXXX XXXX Thank you for reaching out to me thru email. 
I did send the request already for your refund credit. As soon as I get the response from the request I will contact you. 

Thanks! 


XXXX XXXX Relationship Banker boa_logo XXXX CA XXXX Ph : XXXX Fax : XXXX XXXX From : XXXX XXXX [ XXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX To : XXXX, XXXX Subject : NSF fees XXXX, Nice to meet with you last week for the NSF fees. 
As of now, I still have not seen anything come through yet for credits.. 
Can you please let them know that my accounts were not linked to the Bofa Credit card and also I was not aware of the depositing funds the same day in the account..Main thing is that I was told to open the card to avoid NSF fees and yet I 'm being charged on my Bus acct - XXXX & Personal account XXXX 

Thanks! 

Best Regards, 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 monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.

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 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously held a revolving account with XXXX. In XXXX of 2013 the account was settled for a lesser amount, paid off, and then closed. This company is still reporting late payments although the account was paid and closed. It is not possible to be late on an account that does not even exist. I have filed four disputes to date. Every dispute finds that the reporting is inaccurate and the issue is fixed, until the following month. The company then reports that I am late as if the dispute and resolution never occurred. When I call the company directly I get continuously transferred and am forced to leave a message. I have never received a return call or any attempt to fix the situation directly from the company. This is harming my credit and effecting my chance to purchase a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Medical) with Bonneville Billing and Collections (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Check issued to Bonneville Collections in Utah. Check contained conditional endorsement & a full pay. The exact amount that was my credit report. They were contacted to report/update they have refused since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I would like to file a complaint again my mortgage company Bayview Loan Servicing LLC, for violation of The Real Estate Settlement Procedures Act ( RESPA ). I did a modification of my mortgage last year to a XXXX loan and was advised by the Bayview Representative that my Property Taxes and Homeowner Insurance would be paid from my Escrow going forward, I was advised by the Representative to provided Bayview with my Property Tax documents when I received them. In XXXX XXXX I mail Bayview Loan Servicing LLC a copy of my Property Tax documents and I also faxed the same information their office on XXXX XXXX, XXXX, as you can see from the attached documentation. 
In XXXX XXXX, I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX, XXXX, my taxes were not paid. I then contacted Bayview Customer Service to advise them that my property taxes were not paid. The Representative advised me to fax my information again to the Customer Service fax number, I faxed the information on XXXX XXXX, XXXX, as you can see from the attached documentation. I followed up with a call and was advised it would take XXXX to 60 days for my case to be resolved. I followed up again with a call on XXXX XXXX, XXXX, and was advised that my investigation would not be close until XXXX XXXX, XXXX. Ok, on XXXX XXXX, XXXX I called Customer Service to find out the resolution and was advised I would receive a letter from Bayview regarding my Property Taxes payment as of today I have not received a letter of resolution or any communicating from Bayview and my Property Taxes still is not paid as you can see from the attached and tax amount has increased from XXXX XXXX to current to a larger amount. 
Thank you for your time regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CT).
Issue: Credit card protection / Debt protection

Complaint: I have had a XXXX credit card with First Bankcard ( ACCT # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) which was used by my small business, XXXX XXXX XXXX. An employee had access to this card and once they had left the company, I had called First Bankcard and asked them to suspend it to prevent unauthorized use or fraud. I was told that I could have another card reissued and provide access to the new employee once I the hiring process was complete. The problem is that First BankCard disqualified me from accessing the XXXX reward points I had painstakingly accrued over the past few years. According to them, all of their obligations regarding the reward points have been eliminated because of my attempt to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Shellpoint Mortagage Servicing, XXXX XXXX XXXX, XXXX, TX XXXX refinanced the loan on XXXX XXXX 2015 ( XXXX ). The escrow company wired the payoff to Shellpoint on XXXX XXXX ( XXXX ). Shellpoint claims that they received the payment only on the XXXX of XXXX ( XXXX ). Therefore I land up paying interest on XXXX laons for XXXX XXXX through XXXX XXXX. I think Shellpoint is lying and even though the money was wired to them on XXXX XXXX they are claiming 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 01/23/2016 about Debt collection (I do not know) with Gatestone & Co. International Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (UT).
Issue: Trouble during payment process

Complaint: I bought my house on XX/XX/XXXX and was required by the lender to have an escrow setup to pay my home owner 's insurance, PMI and property taxes. In XX/XX/XXXX of last year I received my property tax bill from the county ; the amount due was {$730.00}. XXXX, my mortgage company, did pay my property taxes in XX/XX/XXXX in the amount off {$1200.00}, although the county was still showing me as delinquent on XX/XX/XXXX when I received a delinquent notice from them, XXXX had not paid to the account number associated with my address. After getting that resolved the county said i had overpaid by {$460.00} and was due a refund, this was on XX/XX/XXXX. I sent the county a request for the overage to be sent to me in a check. I waited a month and still had not received the refund check so i called the county to ask why, and they told me that XXXX had been calling them about the refund and wanted the check sent to them instead ; The county is still holding the refund while this is being resolved. The beginning of XX/XX/XXXX I received my escrow analysis from XXXX and they are still overcharging me monthly for property taxes, they're also saying I have a shortage of {$250.00} in my escrow and my payment to cover the shortage will now go up by {$35.00} a month. I have sent them numerous emails and called several times to try and resolve this matter and prove to them that I am being overcharged for property taxes every month and that I shouldn't have a shortage in my escrow because i ended XX/XX/XXXX with a surplus of {$120.00}. XXXX either doesn't respond in a timely manner, like their website promises to do or they insist that the amount they are charging me on property taxes is what my county is saying I should be paying ; That is an out right lie, my property taxes did not go up by almost {$500.00}, I don't know where XXXX is getting their information, but the county says I will not be paying anywhere near the {$1200.00} that XXXX is charging 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 02-12-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company sent me some statements from a previous account that shows nothing about it. When inquired further they told me to pay my debts and stop complaining, its getting costly! In addition they have taken to harassing everyone I know to get in touch with me. 

The information I got does not substantiate ownership of the debt, it was all sent to a very old address and when I asked again for the signed contract and what the bill was for, they refused to send it. If they can not legally prove that I owe them anything than why are they contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MI).
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 reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested validation of the debt  Capstone Credit Services Inc say I owe on   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation