milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: My home loan is serviced by Shellpoint Mortgage Servicing. On XX/XX/XXXX I submitted a Qualified written request to Shellpoint via their email address XXXXXXXXXXXX, I did not receive a confirmation of receipt within the mandated 5 days. On XX/XX/XXXX I re-sent the Qualified Written Request to the same email address, this time I requested a delivery confirmation and read receipt from my email service provider both of which I received. I have previously sent correspondence through the email XXXXXXXXXXXX and it was received by Shellpoint. 

As of today XX/XX/XXXX I have not received a written confirmation of receipt from Shellpoint or a response to the issues I raised in the QWR. 

Per the CFPB web site the lender/servicer has five days to confirm receipt of the request and 30 days to provide a written response. 

I would like the CFPB to assist me in getting a response to my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an account on my credit report several times. The account does not belong to me. I have contacted the creditor and the credit reporting agency. Neither has resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX accounts that are reporting incorrectly 1 Nj Federal court say loan type credit card chapter XXXX account # XXXX 2 XXXX XXXX account # XXXX this is being reported incorrectly 3 XXXX account # XXXX this is also being reported incorrectly

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 08/25/2017 about Debt collection (Medical debt) with Collection Resources, Inc. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This creditor Collection Resources Inc. ( whom I have  never received services from ) is unable to verify debt dated XX/XX/2013 for {$70.00} ; please remove this collection account from my credit report promptly. Very unfair and unacceptable practices by collection agencies and slow credit bureaus to follow-up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. XXXX/XXXX XXXX agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Debt collection (Credit card debt) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Tower Loans has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 06/14/2017 about Debt collection (Auto debt) with H. Kent Hollins, Attorney at Law, P.A (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This case filed Satisfaction of Judgment onXX/XX/XXXX per XXXX XXXX XXXX XXXX. OnXX/XX/XXXX H. Kent Hollins of Law Office of H Kent Hollins filled a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX inXX/XX/XXXX We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I typically get email confirmation of payment made which I keep in a payment folder. 
after my last payment on XX/XX/XXXX the email did not arrive I 've been on chat the next night with AMEX chat " XXXX '' who said there was a glitch and I would have it Sunday, this is Monday night and I have been on live chat for 2 hours with several different customer service and XXXX supervisors who tell me they can not resend the email, they made me jump through hoops change my email wanting personal information, and said I could change email myself, so I did and they still tell me they can not send a simple email confirming my payment. 
Desired resolution is for them to send me an email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Business and Professional Services is reporting a debt in collections to the credit bureaus. This debt was discovered during a review of credit reports in XXXX. They were written and asked for full validation under the Fair Debt Collection Practices Act. They refused saying the request was " untimely ''

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (I do not know) with United Collection Bureau, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have a bank of america credit card that has a fixed 8.99 % fixed interest rate. This card was paid off but we still had it open and started using again last year XX/XX/XXXX. i noticed when i logged onto my account that my rate had changed to 10.15 % variable. I have not been late and have excellent credit XXXX per my bank this week. I called XX/XX/XXXX and talked to someone regarding the change. He informed me that because prime went from .25 to 4.50 all credit cards were being converted to 10.15variable as of XX/XX/XXXX. I explained this doesn't make sense since this is not what i signed up for and i also was not notified. He said i should have gotten a letter. I checked my online account and i never received a letter from them. This seems wrong that they could take a fixed rate and not only raise it but convert to variable. We have another card with them that has a lower rate and that card was not changed as of today ... i will be paying off these cards but still think this is a violation. He gave me no more explanation then that. I believe people should be aware if their credit card company is able to change their rate without notice and no probable cause. Everyone should look at their rates!

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never authorized ( inquires not associated with the opened accounts ). Identity fraud victim.

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 05-06-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have student loans which I believe were with Great Lakes. Recently, I have been receiving calls from XXXX stating all of my loans are in default and threatening me with garnishment of my wages. I told a family member who advised me I would have qualified for a deferment however, I was never notified of this. Great Lakes had my personal information. 
I attempted to speak with Great Lakes today about why these loans went straight into default and they refused to answer at all. Further, they refused to allow me to speak to a supervisor or anyone else there. I called the Dept of Education and they suggested I call Great Lakes also and stated they are the ones who should answer the question as to what happened, but had no further information to guide me as to what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: account was settled {$660.00} for {$360.00} and paid as of  XXXX   XXXX ,  2017  and was deleted by  XXXX   XXXX  with  XXXX  and the debt was re inserted into my credit report with  XXXX  by  XXXX   XXXX  again.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted allied collections for a copy of the document the company claimed to send to the bureau to update my account .. the employees was rude and told me that because I wasnt the one who paid the debt in my name that I couldnt get anything stating I dont owe a balance .. I never heard of anything like this but seems to me I needed to address this issue with a higher superior.. why couldnt I receive my information from this company XXXX please pull phone Records XXXX pm Allied collections XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Money transfers (International money transfer) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Wrong amount charged or received

Complaint: I sent an International Wire Transfer through Citizens Bank, and the amount that the recipientreceived was less than Citizens was to deliver. All transfer fees were paid as agreed with the bank, ON TOP of the amount sent ... Therefore, Citizens stole some of the money from the transfer

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: We have made 3 attempts to stop Ditech from removing escrow taxes from our automated monthly mortgage payment. We have had the mortgage since XX/XX/XXXX and have always paid our own taxes. Since XX/XX/XXXX payments in the amount of {$1100.00} have been removed from my bank account and we were told that they were paid to our local town for tax payment. We have made 3 attempts to have this stopped and have received XXXX different stories from Customer Service, although all XXXX have made the statement of " we do not know why we are taking escrow from you, you are setup as a non-escrow account. '' We have spent several hours each time on the phone being passed from one department to another and no one can offer any resolution to our issue. We were told that " they will begin removing even more money from our account due to a shortage they have regarding our escrow account '', which we never had! The tax department told us " they have no idea why we are having taxes removed from our account as we are listed as a non-escrow account ''. They also informed us " they have no idea why they show them as making payment to XXXX, NH '' regarding our account. As of XXXX XXXX, XXXX, NH has no record of receiving payment from Ditech. I will notify my bank today and stop automated payments to Ditech until they research and fix this issue and I will continue to research refinancing with another mortgage company. I researched this issue and also noticed from consumer affairs.org that their are another XXXX complaints regarding ditech, which has made me contact you, so others might be able to be helped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We have a second mortgage with Household Finance Corporation, HSBC Group. Not only do we have a high interest rate of 6.979 %, but we also found out that there is " deferred interest '' with a balance of {$8900.00}. We have been paying on this second mortgage for about 15 years maybe more, and I believe also our original second mortgage was about {$65000.00}. I have called HSBC on numerous occasions and can not seem to get a straight forward, logical or understandable explanation of this high added " deferred interest ''. They called this a " simple interest '' loan, but their explanation of it is anything but simple. Please help me to understand this because with this " deferred '' interest added on, our interest rate over the past 15 years on an annual basis I feel has been extremely high, especially when the {$8900.00} of the {$65000.00} originally borrowed is about 14 % in addition to the 6.979 % interest rate. We plan on refinancing our first, and adding this second mortgage to it, however, it does n't seem like we have paid off anything at all on the HSBC loan even though we have had it for so long and have paid them at least {$76000.00}. The statements they send us are quite vague as well. It includes no original mortgage amount, date or breakdown of the fees and " deferred '' interest and no one there can seem to explain it to me in consumer friendly terms. There is also a {$330.00} " Outstanding Fees and Charges '' that I have not been given an explanation or breakdown of as to when they occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Consumer Loan (Vehicle loan) with Bankers Auto Acceptance (CA).
Issue: Managing the loan or lease

Complaint: I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX. 2015 Chase Bank charged my account {$34.00} for an NSF fee. The account had a balance of {$780.00} and XXXX XXXX debits came in. XXXX for {$100.00} and the other for {$1000.00}. Chase paid the larger item first thereby allowing them to charge XXXX fees of {$34.00} each. 
The {$100.00} debit should have been paid XXXX and the {$1000.00} XXXX. This would benefit the consumer and Chase would not be able to charge for XXXX NSF items. Chase paid the larger item XXXX and therefore allowed them to charge XXXX fees of {$34.00} each. I called and asked Chase to refund the {$34.00} for the {$100.00} ACH debit. I was denied. 
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Why is paying items when they come in based upon the money on hand considered a courtesy. I understand perfectly the charge for the {$1000.00} as the deposit covering that ach was not credited until XXXX/XXXX/15. I want my {$34.00} XXXX to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax is reporting negative accounts on my credit file that are listing me as an Authorized User. I don't want to be on anyone else 's credit. I called XXXX XXXX XXXX XXXX and they stated that they requested Equifax to remove me from the account. Equifax refuse to do so I contacted XXXX XXXX and the same response, however, Equifax continue to report this information on my credit I contacted XXXX XXXX and the exact same response, again Equifax refuse to remove this from my credit. 


I filed a complaint on Equifax and they responded that they are still working on the issue. It has been close to 90 days since I have disputed this error on my credit file with Equifax I still have not received any response to my disputes or anything from Equifax, yet they are still reporting the accounts that are not mine on my credit file. I am being denied credit and a job due to Equifax reporting these errors on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. 

The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. 

The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.

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