milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing 4 cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person 12mos ago. 

The company and corporate offices refuse to answer summons by XXXX XXXX ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired upright law on retainer for chXXXX, which nobody wants to abide by. 

companies were told to notify upright. upright was in charge at said time for nine months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.

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. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I appear to be at risk from the Equifax data breach I have requested a credit report from Equifax XXXX via XXXX ) but am informed that it is not available

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: I received an FHA mortgage with  Countrywide in   XXXX .  Countrywide sold  it to Bank of America in  XXXX . I was in modification with BOA since  XXXX . On  XXXX  I received a real estate business card in my door that said, " your property was sold last week call me. '' I did and did not receive a call back. I called  XXXX .  XXXX  discovered that Carrington Bank purchased the mortgage from BOA in  XXXX  and foreclosed. I was never notified of any of this. I have faxed the modification documents to  BOA many times. The return date of the modification was assigned even before BOA mailed the documents. The date on the envelope was postmarked the day after BOA required the modification returned causing me not to receive them until 4-5 days after the return date. So, it was was impossible to return them by the date they requ ired. I reported this to  XXXX   XXXX .  XXXX   XXXX  could not locate their copy of the modification, so I faxed everything to her. I was transferred and transferred, and finally told that  XXXX   XXXX  no longer work ed for BOA. Many people at BOA  reported losing refaxes and receiving only part of the faxed papers causing me to refax and refax. I was transferred and transferred, and finally was told that  XXXX   XXXX  did not work there any more.   I never receiver notice of any of a resale to  XXXX  or that I was in foreclosure.. Now, strangers are knocking on my door and I am afraid.    XXXX   XXXX   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 explanation
Consumer complaint received 07/19/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been asking for assistance from Specialized Loan Servicing for three years now, due to financial hardship. They stopped taking any payments from me since XX/XX/XXXX and have denied me help three times. Last month they started foreclosure proceedings, yet still suggesting I fill out the RMA ( Request for Mortgage Assistance ) a fourth time. A friend gifted me a decent sum of money to bring my HELOC current and start anew. The amount at the time was about {$8900.00}. One month later, last Mon, XX/XX/XXXX, I was given a payoff in the amount of {$9500.00} and change. When I called Wed because $ $ had cleared so that I could pay, I was told that I know owe over {$11000.00}, which of course I do n't have. In one month, SLS increased what they wanted from me by almost {$3000.00}, saying the person ( XXXX, Relationship Mgr ) should n't have given me the figure she did over the phone. I was told there are " other fees '' involved, like escrow fees and fees they paid to start foreclosure. First, my loan is already escrowed with my XXXX, and XXXX, it was their decision to start foreclosure proceedings instead of work with me, so why should I pay for their cruelty when I have been doing nothing but try to work out something with them?! It 's ludicrous what these lenders are allowed to get away with. 
I have a mediator from XXXX County of Consumer and Business Affairs helping me, as I have been struggling with SLS for four years now. I first went to them XX/XX/XXXX when they were going to increase my payments as the draw period ended, as I knew increasing monthly payments would be a hardship. Had they helped me then, when payments were {$200.00} a month, I would not be in this position now. 
Earlier this year, they sent me an offer with higher payments than the $ 300-plus they had increased my payment to, plus had respond dates that were two months past! I was told to send a letter, after a Relationship Counselor agreed that the offer had errors, so that they could rework it. That never happened. They sent me a letter saying they were starting foreclosure proceedings. 
A letter received by XXXX County Consumer & Business Affairs acting on my behalf now says that a letter SLS has sent off to me as a result of a request made to them last week has given me the sum of {$11000.00} to reinstate my loan and stop all foreclosure activity. As days go by, I 'm certain SLS will not hesitate to keep tacking on an exorbitant amount of unnecessary fees, just because they can. It seems they are n't regulated much and the consumer has no recourse, yet if a lawyer got involved, which I can not afford, those fees would be eliminated. In my experience since my loan was sold to SLS, they 're are only in the practice of making as much money off their customers as they can, instead of helping homeowners stay in the homes we worked hard for and deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Express Recovery Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a few calls to my work phone on XX/XX/XXXX. They were confusing messages with a website left. I looked for the website and company name, they do not exist. They mentioned XXXX XXXX, so I spoke to them and was told no debt was owed. Then, I called the phone number to straighten things out. 

Call 1 : https : XXXX They have no idea why I am even calling, and having issues even pulling up an account for me. Please keep in mind, this is after numerous calls to my work phone and telling them via text not to call or text me on there. Obviously, there is bad language. 

Call 2 : https : XXXX Call 2 ( part 2 ) : https : XXXX In these recordings, I tell them they have not proven the debt is real and the agent agrees on the phone that I do not owe this debt after XX/XX/XXXX. 

I have told them numerous that I do not owe this debt, they agreed that after XX/XX/XXXX the debt would be " written off '' due to state laws of the debt being owed. This is not allowed to be reported onto my credit report or tried to gain recovery for this unknown, unproven debt. It is time barred. 

It is up to them to prove that I owe this debt. They have not done so in over 4 years. I am also not required to update my information with them. I also informed them via phone not to contact my work phone anymore, and received several text messages from them AFTER speaking to them. 

Screenshots of text messages ( these were sent after both phone calls ) : XXXX : XXXX I've never even had an XXXX done on my XXXX, and I have only their word to go off of for what it was for. Any bills from XXXX XXXX XXXX were paid in full, and I have receipts for all bills from them. 

Utah is a one part consent state. These recordings and screenshots are 100 % legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: A summons was given to my employer of a company I do n't recognize and I think is an identity theft account. I am very disappointed with how they have humiliated me with my employer and now my Job is at risk. I am ready to sue them and will go to court on this matter to small claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Government benefit card) with KEYCORP (KS).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: My debit card account information that I receive my child support on was stolen and ALL my funds were withdrawn out of my account. I called and reported these charges were fraudulent on XX/XX/. I filed a police report on XX/XX/ as well. I have called several times trying to get information about when I will receive my money back and was told it could take 90 days. Today XX/XX/ I called to follow up on the investigation on the account and was told my claim was denied due to " similar account activity '' My account was drained out of New York I live in Kansas have never been to New York. I am a single mother on a tight budget. This was my child support money to take care of my XXXX kids. This has put a major strain on me and my family. I need my money that was stolen from me back. I have proof I was NOT in New York.

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 SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. 

When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. 

When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. 

We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. 

We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of 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 01-03-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification with my lender and I was declined because I have a loan modification in 2012. The lender said my lender only allows one loan modification for the life of the loan. I asked who the investor is and the lender refused to give me the name and contact information so i could follow up with them.. This servicer has been known to mislead and I am trying to make sure I am given a fair accessment.

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 10/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: 1 ) On XXXX/XXXX/2016 I experienced ID theft ( see # 1 ). Several contacted me to make sure I had intended to open new credit cards, and I said no. However, on XXXX Capital One Bank did not contacted e and opened a credit card in my name ( see # 2 ). 
2 ) If this complaint can also address an unsolved case, this tie in relation to a fraudulent mortgage payment that still, as of XXXX XXXX, 2016 still has not been removed from my mortgage bill ( see cases XXXX, XXXX and # 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been given no reasonable options to pay. I am a father of XXXX and my wife has XXXX, I am strong to make ends meet ... let alone pay {$700.00} plus a month on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: About 6 months ago I received an alert that my credit was accessed by a company called  XXXX   XXXX . I had never heard of them before and i did not initiate any business with them so i called the bureaus to have the fraudulent inquiry removed from my credit. I also found the company online and saw there were no such banks in my area, I live in CA. I had been a victim of Identity theft in the past so i updated the police report to show the inquiry.     In  XXXX  of  2017 , i noticed another inquiry on my Equifax credit report and a account. I was told i needed to file a police report with the account number. I did and the account was removed in  XXXX . Now the account has been re inserted to my credit as well as another inquiry from another company. I thought i had a freeze on my credit and apparently that is not the case.     Remove Fraudulent Account  XXXX  Remove Inquires  XXXX   XXXX   XXXX   XXXX / XXXX / 2017  / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Settlement process and costs

Complaint: We had our home mortage with Capital One Bank and when we got ready to sell we got a pay off from them. we were suppose to close on the XXXX of XXXX and so they sent pay off to title company. When we found out we were going to close on XXXX of XXXX instead we called them and asked for another pay off. We did have a account with Capital One and had closed our account around XXXX of XXXX. Anyway they said on the phone everything was ok and so they sent new pay off to title company for XXXX XXXX. The agent at title company sent extra since the XXXX was a holiday and knew it would not get to bank til XXXX. On the XXXX of XXXX. I got a call from bank telling me that we owed another XXXX because the house loan was not paid off. I went and tried to pay the payment but was told first they would take cash then told they could n't take cash they needed a bank account which at that time I gave them. Then I was told it was now XXXX because of interest. When I got home I called the title company and they said they got both pay offs and went by the latest one. They sent what the bank reported to them and I did n't owe them because it was the banks mistake. The bank says my XXXX payment was not made and that was the reason. My payment was due on XXXX of XXXX but had 15 days grace and since we were paying off on XXXX they were told no payment was being made. My problem is when the title company and I called the bank they said they only up date and send new payoffs when asked. We had already gotten XXXX payoffs and they made the mistake and yet we were suppose to pay for them not doing their job The bank was called because they had loan and it is their job to figure out what is owed in order to close loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ChexSystems, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX had release to XXXX, FALSE information about my credit report information, consequently, 4 applications for credit were denied injuring my rights to obtain credit. CheckSystems released outdated information, more than 7 years old, which not longer exists becuase of the statue of limitations are not longer legally to report to nobody. Also, ChexSystems provided an old address and phone numbers belonging to other people in other State which is FALSE. There is not any records of any jusgement against me, bankruptcy or liens filed against me by Federal or State goverments. My credit score with XXXX is above XXXX. Therefore, ChexSystems decision to publicly released FALSE information was intentionally made with the objective to inflict personal harm. As the result of ChexSystems'action my applications to obtain credit were rejected by 4 potential lenders. I affirmed that as long ChexSystems continues inflicting personal harm to customers like myself, this company should not be permitted to conduct this type of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account falls under the 4 year statute of limitations and has been removed from my credit reports on XXXX XXXX, XXXX after the allotted time for the dispute. I see now as of XXXX XXXX, XXXX that this account has been replaced on my credit report. 
Dispute Results XXXX received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. 

****Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. XXXX Account Name Original Creditor Open Date Status Balance {$1400.00} MIDLAND FUND XXXX XXXX XXXX XXXX, XXXX Open {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX, XXXX, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.

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 03/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: American Express has misguided me into closing my platinum card account, saying I could still use my XXXX membership rewards for 45 days once the card had been closed. Once the card was closed I could no longer redeem these rewards. I have tried to reopen the card to use the rewards, but American Express have rejected my application to reopen the card citing credit reasons. I feel I have been treated unfairly, and having been an American Express cardholder for 11 years, now feel cheated out of my rewards by having been advised to close the card and stipulated to that I could still access these rewards.

Company response to consumer: Closed with non-monetary relief