milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2018 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (OR).
Issue: Trouble during payment process

Complaint: Once again shellpoint has not taken a payment and is charging fees for their failures. We had no say in our loan being sold to such a shady company, we paid over XXXX in two months to these people who claimed they didn't receive payments. We sent in the final cashiers check to catch up payments on XX/XX/XXXX, the same date we sent in the automatic withdrawal payment forms for our payments to start coming out of our checking account on the XXXX. The cashiers check cleared the bank on the XXXX, meaning they received it several days prior. They still have not taken the payment for XXXX, expecting us to pay their late fees, ect which they then make more than what is authorized or reasonable expected to pay, so your payment is reported as late and they can then charge more fees. We had never had one issue with our mortgage prior to our loan being sold to a company like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Payday loan) with Secure Capital Management, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ 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 12-10-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: After XXXX 2015, TD Bank stopped detailing escrow activity on their mortgage statements. I called customer service and spent a great deal of time trying to recover this information for my own accounting purposes and was later told it was a " glitch '' in the system that has been going on " for a couple months. '' My understanding is that it is required by law for the lender to disclose this information on the monthly statement and the fact that I had to take additional time to procure it is not acceptable - especially after such an ample opportunity to resolve the " glitch. '' It matters a great deal to me because I was having trouble with the billing of my hazard insurance to the escrow after switching carriers and had no idea what had been paid out or when.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I am XXXX XXXX writing a complain about Chase bank regarding my Chase Freedom Unlimited credit card with them ive fell on extreme hardship and i need some relieve.when i tried to contact chase card services they 've refereed/transferred me to a credit counseling services, but i was n't looking for that.i have a balance of about XXXX XXXX on it right now and i was looking for chase to postpone my payments for about 1-2 years with not reporting me to the credit reporting agencies. Thats how long it will take me to save up the money.I have talked to XXXX XXXX and he suggested to file a complain if they dont do anything.Im on the verge of fling for chapter XXXX bankruptcy and credit counseling services is not an option because im working on getting my credit file restored that would look bad on it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Settlement process and costs

Complaint: I 'm a Dodd-Frank Wall Street Reform Act participant. I watched the Federal Bill since XX/XX/XXXX as signed by President Obama. My EHLP # XXXX. I 've requested a number of updates to XXXX County Judicial Court from the Federal government including my last request for legal assistance to remove a Judicial Court Judgement. I submitted under the following CFPB complaint # XXXX from the VA location at XXXX XXXX XXXX, XXXX, MN XXXX. However, after further review, allegedly CFPB assigned a file # of XXXX. I know my XXXX. Please check both CFPB files. 

I was XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX address of my Federal/District Court Briefcase dated XX/XX/XXXX which included my CFPB user ID & password. Can you contact my email on file or telephone XXXX with password? CFPB staff wo n't allow me to access a critical Judicial Court file without an accurate User ID & & & password. Please email reply with a password change " authorization code ''??? 

These District Court Judgements which amounted to $ 20,000+ which prevented my ability to sell my home at XXXX XXXX XXXX XXXX, XXXX , MN XXXX for a reasonable equity profit. I must ask CFPB legal to intervene, & contact XXXX County District Court Administration to remove XXXX and XXXX from my credit bureau record and XXXX County District Court records. I WILL PROSECUTE entities who obstructed Federal Court decisions against XXXX credit card abuses as adjudicated by CFPB Court decisions. Please reply with my assigned password assigned to either XXXX or XXXX? 
Email XXXXXXXXXXXX & XXXXXXXXXXXX - I will seek Federal Court remedy!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX I have asked for your company to validated and verify the account with the following information 1. The contract with my signature that gives me the companies the right to report to my credit file. Your company is now in Breach of the FCRA for failing to provided information from a valid account. 
2. A full payment ledger showing a payment ledger. 
3. Proof the company has the right to report anyway their contract with you I have a legal right to see it and also the dispute history from this company with you. 
4. I have the right to see the proof they provided to you. If you do n't provide the proof that they can report to my credit I will sue you for it. 



Your company needs to provide me with what makes you think that this company able to report to my credit you have not because you can not or you do n't know.

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 05/23/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have inaccuracies on my report. It shows Judgments that have been settled as being still open and Student loans that have been paid as open accounts, I would like them to review and update my entire 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 non-monetary relief
Consumer complaint received 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: SLS is the mortgage service provider and they are not providing me assistance. I applied for a modification and I had done a quit claim deed on the property to leave my wife XXXX as the only XXXX on the loan since she is also the co-borrower on the account. The reason for this is because we were having issues as a couple, but SLS wanted to see a divorce paper which we didnt have and we had informed them already. This is the reason they denied us for a modification dut to missing documents, they wanted to see a divorce paper, I informed them that there was none and instead of reviewing me with what they had as a complete packet they denied me for missing documents. I will be attaching all complaint and appeal letters I sent out to them. Another issue was that I had filed bankruptcy pro-se on XXXX XXXX XXXX because they said there was nothing else they could do, but I knew they were not helping me. I had a sale date coming up and the bankruptcy was done a day before and they were able to stop the sale date since I was already protected under the automatic stay. I was unable to finish the bankruptcy because I have been in and out of the hospital due to health issues and SLS already knows this, I had XXXX already. When we applied again on XXXX XXXX I had a sale date for XXXX XXXX. This is the time when they were asking for missing documents which was the divorce paper, they wanted us to divorce or something because they kept asking for that. So I filed bankruptcy on XXXX XXXX a day before just like last time, but they said that the sale went through and that there was no stay, even though the court confirmed that I was protected under the automatic stay. I have been fighting with them, my intentions were to keep my home. I didnt even have the chance to finish my bankruptcy because they kept saying that even if I finished it, my home sold already. This is very unfair! I never got a fair review on my modification even though they had all documents. The strange and concerning part is that even though they say my home sold on XXXX XXXX XXXX, I received a complete packet with a letter on XXXX XXXX, XXXX ( that im also attaching ) that I am eligible to apply for a modification and to submit everything again. This is very disturbing and I need an investigation to be opened please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This was fraud with fXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Credit decision / Underwriting

Complaint: In XXXX XX/XX/2015 my wife & I were pre-qualified for a new primary residence home mortgage through Bank of America. We found a home we wanted to purchase & on XXXX/XXXX/XX/XX/2015 our offer on a new home was accepted by the sellers with a close date of XXXX. We immediately forwarded all the information to BofA to start the loan process. We provided all information that the bank requested and responded to them with any additional document requests the same day they requested them. Our closing date came & went and they only explanation we were provided was that our file was very complicated. On Tuesday XXXX/XXXX/XX/XX/2015 we were finally told that our loan had been 100 % approved. On Wednesday XXXX/XXXX/XX/XX/2015 the bank then informed me that not only was the loan not approved yet, but they wanted an additional {$140000.00} of liquid assets in order to close. After speaking with the bank, they then amended the requirement to {$15000.00}. I was able to come up with the additional assets that they required the same day & now it is Friday XXXX/XXXX/XX/XX/2015 and I still have no answers from the bank other than the file is in underwriting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Notified on  XXXX / XXXX / XXXX  that my Credit Report had changed due to Collections filed against me with all  XXXX  major Credit agencies .by First  Financial Investment Funding . First Financial  had made no attempt to communicate with me regarding the debt prior to my discovery.   XXXX    provided me with their contact information. When I spoke with them they told me they had no obligation to contact me. I disputed the debt and asked for verification. With the information they had given me I contacted the debtor myself ...  XXXX   XXXX   XXXX ,  XXXX  Georgia. The Hospital faxed me documents from  XXXX  verifying the debt. I paid the debt immediately. Had  First Financial Investment Funding  simply followed the guidelines regarding debt collection my credit rating would not have been compromised. My research on  First Financial Investment Funding  has shown what they did to me constitutes the way they do business. If this company is allowed to continue this practice them the guidelines are meaningless. Aside from what they actually did, the few conversation I had with them leads me to believe there are issues regarding them that should concern us all. Because they did not follow the rules I would like them to remove all negative remarks from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Why did credit score go down 14 points please do correct reporting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with EXETER FINANCE CORP. (CA).
Issue: Managing the loan or lease

Complaint: I got a 30 day late XX/XX/2017 and it 's reported on my credit report that payment was made on XX/XX/2017 when it was actually made on XX/XX/2017. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: Experian deliberately discourages customers ability to submit online submission of request of correction in credit report errors by deliberately blocking access by issuing fake security questions and blacking online access. 

Experian has repeatedly blocked the last three attempts I have made to submit correction request via there online site. They ask obscure id verification questions which I still answer correctly and stull black access. They demand I send sensitive copies of personal id via mail which I will not do. XXXX and XXXX have no problems verifying my ID, this is a deliberate ploy by Experian to black access and is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today, X/X/17, Equifax mishandled my information, putting myself and so many millions of other people at risk of identity theft, for the rest of our lives. I was informed by Equifax that I am affected by this data breach. They have shared all of my data, some that can never be changed, with who knows who - with everyone, essentially. My private data is now public, and there is no going back, for the rest of my life. 

Free freezing of my credit should be offered ; that they can now profit, indefinitely, from their negligence by charging me to freeze my credit, or to monitor it after a short period, is unacceptable. They failed completely in their most basic duty : protecting personal information from identity theft. They 've compiled massive amounts of data on millions of people, and failed to safeguard it, essentially handing over this data to scam artists on a silver platter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Money transfers (Domestic (US) money transfer) with ALLY FINANCIAL INC. (CA).
Issue: Other transaction issues

Complaint: XXXX is offered through Ally Bank, and through this service, I sent my daughter money thinking it 's safe to do so ( Ally payment # XXXX ). She, in turn, downloaded a XXXX app and entered her information plus a XXXX debit card number. She never received the money. In her conversation with a XXXX representative, she discovered that XXXX had completely different first XXXX digits of the debit card number ( wrong first XXXX digits were XXXX XXXX XXXX ) and only had the last XXXX digits correctly. XXXX asked me to file a claim with Ally Bank, but Ally Bank stated it can not help ( even though XXXX is a XXXX party product endorsed and made available by Ally Bank ). XXXX also asked my daughter to contact her bank and give them a XXXX Federal Reserve trace number ( XXXX ), but her bank says they can not help either. We asked XXXX to reverse the deposit that was made to the wrong debit card, but they said that can not be done. Ally bank states since XXXX deposited the money into the wrong debit card, Popmoney can also reverse that deposit. However, XXXX refuses to do so. I am thinking XXXX 's system may have been hacked. I have never seen anyone capable of typing first XXXX digits incorrectly but the last XXXX digits correctly. In addition, miraculously the wrong XXXX digits are part of a valid debit card number for some stranger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I called Amerihome to see when I would be receiving my property tax check to take to the City of XXXX XXXX. They told me they send the check directly to the City and that my account was being paid on XX/XX/XXXX. I received my XX/XX/XXXX bill and saw that the payment was made on XX/XX/XXXX. On XX/XX/XXXX I went online to get documentation showing my payment was made before XX/XX/XXXX. It showed that my payment was not made. I called Amerihome and was told that my payment was made XX/XX/XXXX via wire transfer and that I would have proof faxed to me within 24 hrs. On XX/XX/XXXX I again called Amerihome and told them I never received the fax. The person I talked to said she would have the person I talked to yesterday see why it was n't done and she would put in a XXXX request RUSH to get me the email. On XX/XX/XXXX I called for the third time in 3 days because I still did not get a email. This time I got a manager that told me the payment was sent XX/XX/XXXX in a bulk check, not a wire transfer. The manager finally sent me a letter that simply said the payment was made with a bulk check, the day they made the payment, how much my payment was, and my tax id number. No information about the original check number or if it was cashed or not. I took it down to City of XXXX XXXX on XX/XX/XXXX. The minute I explained that my mortgage company said the payment was made and the City says no, she said " Let me quess. Your mortgage company is Amerihome. '' I said yes. It turns out that Amerihome sends the payment to XXXX to send payment to the City. When Amerihome sends it to XXXX ( via wire transfer ), they include the tax id. When XXXX sends the payment to the City, they use the loan number. The City has a list of payments with loan numbers that they look up when someone like me calls or comes in. They found my loan number and the payment. Problem is, they make the payment like they got it today instead of XX/XX/XXXX which messes up my taxes. All I got from XXXX is issues and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help 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