milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Re-dispute to Case #  XXXX   Dated   XXXX / XXXX / XXXX  This is getting ridiculous. Please review my previous dispute and incomplete response.   A. Lost Paymen t - Surprise, a fter 67 days, they found it, only after receiving CFPB complaint, even though I had told them many, many times. Just listen to taped conversations! They tried to call me back once , HA.  They knew the issues after all of my calls, why did n't they just fix it!!!!!!!! I could n't get  XXXX  took talk to me when I was calling. Do n't do this to people.   B. Incorrect  XXXX  ( although i incorrectly said  XXXX  ) - Still incorrect, consumer harm getting worse if I have to extend my  XXXX  tax return.    C. Poor  Customer Service - which continues, No one will help me!!!     Yes, I am delayed in redisputing as I did not know there had been a written response to CFPB, I guess I though Shellpoint might be kind enough to send me a letter too. I had noticed they had found my payment ( SURPRISE, took CFPB to get involved ).     I contacted Shellpoint last week asking for consumer complaint department. First day, I was told they close at  XXXX , ok, I am  3 hours  earlier. Next day, called again, " oh, we do n't have a consumer complaint department ''. Found the response letter on CFPB website, contacted and left  VM messages FOUR ti mes this week, no response. If she is on vacation, someone else should pick up the call and return. I told her I did not want to re-dispute to CFPB as I know that is a very bad thing for Shellpoint. I was willing to resolve with her, now have to escalate, again.     Closed as an isolated incident. Seriously, multiple things wrong. Good cover though. I feel for most people, who do n't understand this process. Oh, and CFPB does n't have many complaints about you as you have know way for people to easily know to complain to CFPB unless they go to a lawyer. And, you do n't have a complaint department. My complaints in  XXXX  and  XXXX  certainly did not get escalated through your normal channels.     Fix your policies, procedures, training and customer service and give me a revised  XXXX . I need to file my tax returns. I 'm not letting this go. If I have to file an amended return because of your incompetence, you will pay for it.     CFPB, I am happy to help you with this company, I 'm an ex-regulator of mortgage industry, most of my current co-workers are ex-CFPB. Happy to share my knowledge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My account skyrocketed after unbeknownst to me i was paying interest only for 5 years and my loan balance never went down!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Helvey & Associates (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I 'm XXXX XXXX XXXX SSN XXXX RE : Helvey & Associates ( XXXX ) Collections on behalf of XXXX XXXX. X/XX/15 assigned to each credit reporting companies for {$150.00}. I had an account with XXXX XXXX as my electrical utility company. I moved to another area where XXXX XXXX was not the electric service provider. There was a balance that was due for {$150.00}. I was never notified of this as I had moved. Apparently the mail was not immediately forwarded. I left the country for about two months to XXXX XXXX, I can prove it via my passport. Upon my return I realized that I did not pay the amount that was due to XXXX XXXX. I then contacted XXXX XXXX and paid that amount of {$150.00} directly to them. I then learned that a collection agency was trying to charge me the same amount of money. That money was paid to XXXX XXXX, I called Helvey and Ass. and notified them. I later learned that the collections agency listed me in collections in one of the credit listing companies. I contacted both XXXX XXXX and the collection company. They refuse to remove that information from the credit reporting bureaus. As a matter of fact the lady from collections was rude and told me that I should have paid them. A few months later all XXXX  credit bureaus now had the collections in their reports. I 've contacted them approx 5 times in the last few years. I was told not to call, that the matter was resolved. I 've called XXXX energy about 4 times and they tell me there 's nothing they can do. The collections folk say only XXXX can remove the negative listing that is clearly affecting my scores and credit worthiness.. None of these companies are helping me. This should not be listed on my credit report. On top of which I never received the notification as required by law from the agency, and they ( XXXX ) were paid in full. I 've called again today both companies to make one last attempt and I was pretty much told that there 's nothing that they can do. XXXX XXXX ( XXXX ) Account # XXXX Also the date it was assigned to the collections is wrong. Its listed as XXXX XXXX, 2015. But XXXX has it as XXXX XXXX,2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (ID).
Issue: Deposits and withdrawals

Complaint: Someone changed my debit card pin number aND my daily withdraw limit. Then they attempted to wire money from my XXXX XXXX account to my usaa checking account. Then they transfered money from my usaa savings account to my checking account. The XXXX account did not have sufficient funds so they transfer was cancelled and I was penalized. After finding all this out I submitted an attempted fraud to usaa and they locked me out of my accounts and have refused to give me any information or access to my money. It 's been three weeks now. I reported a possible identity theft also and have yet to receive any help or information from anyone

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$11000.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Deposits and withdrawals

Complaint: I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (Credit card) with Taylor Law, PLLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Loan 1 : Original Loan Amount- {$32000.00} Current Amount Due- {$68000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 2 : Original Loan Amount- {$12000.00} Current Amount Due- {$23000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 3 : Original Loan Amount- {$5000.00} Current Amount Due- {$8700.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 4 : Original Loan Amount- {$4500.00} Current Amount Due- {$7500.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 5 : Original Loan Amount- {$5300.00} Current Amount Due- {$10000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 14.375 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 6 : Original Loan Amount- {$3000.00} Current Amount Due- {$4700.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 13.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient ** Complaint : Multiple forbearances forced on borrower and borrower not made aware of implications pertaining to interest. Also implications of interest during in school deferments not explained to borrower. Borrower feels interest accrued is too much for original loan amounts borrowed. Original loan amounts borrowed : {$63000.00}. Current owed on all loans : {$120000.00}. Total interest accrued since repayment start date of XX/XX/XXXX : {$60000.00}. Borrower not given alternative methods of repayment to avoid deferments or forbearances.

Additionally, cosigner release requested numerous time over course of loan. Was told 12 on time payments of principal/interest needed to occur for cosigner to be released. Payments made consecutively for 26 months ( XX/XX/XXXX-XX/XX/XXXX ) prior to in school deferment and cosigner still was not released.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was in repayment with Navient over a series of XXXX private loans I have with the lender. I set up a payment schedule and have been paying XXXX a month as agreed by the lender. They continued to take my monthly agreed payments and in the mean time defaulted the loan. They claim to have sent letters however whenever we spoke about payment agreements they always failed to mention that I was in default after 2014 when the loan was offically filed as default. Prior to this they used aggressive collection efforts including calling, my old jobs, family, and person friends. They are a very crooked company that will stalk you with 20 calls a day from multiple location to get money out of you. It 's terrible, I should n't be in default. I was meeting my part of the agreement. This is side of Navient tha deals with private loans. XXXX is there number.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Struggling to pay mortgage

Complaint: I applied fr a Modification with USBank they purposely drag it out, years it was long US bank keep asking me fr the same paper work over and over.i was trying remove my mom fr the Account US bank had me go pay fr a quick claim Deed An would not do it. They stop taking my mortgage said it 's in a loss mitigation they kept stringing me along they waited in till there was a new president and executive order was signed and they denied my modification I do n't know they did Denied it I called the end of   XXXX   to check on the status that 's when I was told they never gave me the chance to appeal their decision they filed foreclosure right away they have done all the paperwork with the judge he signed off on taking my house and the only way they 'll allow me to keep my house I have to pay {$38000.00} not what I/O they have n't sent me the paperwork it is sitting in courts filed With the judge they never gave me a chance so all they 're waiting on is to just put me on the street I lost my job I got on employment for three months form I started working in  XXXX  of last year I 've been saving my mortgage payment The bank and the judge use you the court system to Railroad me and take my house please can you help me my home has about {$30000.00} in damages it needs a new roof from the hurricane last year that Home has a lot of problems because of the   XXXX   XXXX   messed up the house they build it fast and nothing was done properly and when I bought my home it was a abandon for over five years The previous owner flood the house took out all the like inside all the kitchen cabinets bathroom it was vandalized by them and they really did not give me a fair opportunity they just want me gone

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 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax , after leaving me on hold for 2 hours, simply hung up on me when I asked for a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Payday loan () with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX an they charged me a lot more than what I did borrow the money they take out I really need! It 's crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.

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 07/21/2016 about Mortgage (Home equity loan or line of credit) with BANK OF THE WEST (CA).
Issue: Credit decision / Underwriting

Complaint: Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings. 

The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking. 

Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal? 

Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language. 

If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs. 

There is no known law that says they can proceed as they have. It is just " bully '' language by the lender. 

Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.

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 08-02-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I started the mortgage process with a company called AmeriSave. They use a company called XXXX XXXX to contract out the appraisal services. AmeriSave charged and collected {$430.00} of my money for the appraisal services. 

AmeriSave Mortgage did not disclose to me that they are affiliated with XXXX and so I thought I would be getting an " independent '' 3rd party for appraisal services. If there is an affiliation, then there may not be independence during the appraisal process. When the appraisal came in, it was roughly $ 25K lower than 3 other appraisals that 3 separate mortgage companies had done on the home. One of the appraisers even used the words " grossly understated '' when looking at the appraisal done by the company XXXX XXXX used ( See appraisal attached ) AmeriSave then cancelled my loan and so I was out the {$430.00} that I paid for the appraisal during the beginning stages of the loan process As a result, I was not able to do the refinance due to lack of equity in the home and am out the {$430.00} that I already paid out of pocket. 

I feel like I was " dupped '' by AmeriSave not disclosing that they were affiliated with XXXX XXXX and I was under the impression that I was getting an independent appraisal. This has happened in the past with these 2 companies ( See link below ) : http : XXXX I would at min. like my {$430.00} back, however feel that these 2 companies are doing similar actions to other home owners!

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