milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: The case is centered on the bank refusal to honore our TILA rescission. For over five years we 've been fighting them in their attempts to take our home. 
We initially purchased our homestead property on XXXX XXXX, XXXX from XXXX XXXX with a XXXX mortgage and a XXXX mortgage. We subsequently consolidated the XXXX loans on XXXX XXXX, XXXX and took a new mortgage with a different " lender '' called XXXX. On XXXX XXXX, XXXX, Florida XXXX XXXX XXXX XXXX terminated XXXX XXXX XXXX ( " XXXX '' ) mortgage lending license due to questionable lending activities ( Exhibit-XXXX ). On XXXX XXXX, XXXX, after discovering irregularities in our mortgage loan we rescinded our loan by notifying XXXX and BankUnited XXXX via certified mails with return receipt requested ( Exhibit-XXXX ). Neither XXXX nor BankUnited XXXX/BankUnited N.A. responded to the letter of rescission. 
On XXXX XXXX, XXXX, based on our rescission, we filed our quiet title action in XXXX XXXX, Florida. A default final judgment was entered on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, BankUnited N.A. a newly formed bank, filed a foreclosure action against me and my wife in the Circuit Court of XXXX XXXX, Florida. 
On XXXX XXXX, XXXX, BankUnited N.A, filed a motion to vacate the default final judgment of quiet title and the state court vacated the judgment. On XXXX XXXX, XXXX, the FDIC, in its capacity as receiver for BankUnited XXXX removed the case to XXXX XXXX Court for the XXXX XXXX XXXX Florida. On XXXX XXXX, XXXX, the federal court erroneously dismissed our claim of rescission. The court granted summary judgment in favor of BankUnited N.A. The XXXX XXXX XXXX XXXX XXXX affirmed the lower court decision ( Exhibit-XXXX ). With the money judgment BankUnited N.A. obtained a foreclosure judgment and scheduled the sale of our property. We are currently appealing that decision. BankUnited N.A with the help of the law firm of XXXX XXXX XXXX and XXXX XXXX XXXX. have consistently ignored our rescission and caused us to defend an illegal foreclosure for years. The Supreme Court decision in XXXX, No. XXXX ( U.S. XXXX XXXX, XXXX ) confirmed that we properly rescinded our loan. The bank and its lawyers continue to harass and threaten us with the foreclosure of our home. We seek the help of the agency to resolve this matter once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is XXXX issues on my credit report that is n't me. For XXXX, I never lived in XXXX XXXX and I had moved out of XXXX XXXX, when this incident occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to XXXX  XXXX XXXX XXXX and their client XXXX XXXX XXXX. After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 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: I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I disputed an error on my Equifax credit report from XXXX XXXX for {$1100.00}. I disputed it twice and they did nothing, said they had no note of the dispute. My most recent dispute was XX/XX/XXXX. I was just hung up on by them after being told I had an outstanding balance. I have n't even been in this hospital for over 10 years and insurance should have taken care of this bill. I 've been trying to get the information that I need to sue them in a court of law and they denied giving me the information. XXXX and XXXX had no problem taking this off of my report but Equifax has not. It has been well over 5 months since I began disputing this. I 've done it online, by mail and over the phone. I am also filing a report with the XXXX XXXX XXXX XXXX because it is affecting my health, causing stress with them lying and stealing my identity for at least how long it has been on the credit report. Being on XXXX for approximately 22 years, I have had full XXXX  and XXXX insurance. I want this mark off of my credit report. If anybody can help me, please and thank you. I have tried hard to straighten my life out through my XXXX but this company continues to steal my identity through my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Initially my credit file had been split a lot of the things that were on my credit report I was unable to view. I had to send in a letter requesting my credit report to be merged. For a few months I had been filing disputes for items that were on my credit report which did not belong to me. Its been a long process, finally started to see items being. I been trying to access the website for a few weeks and been unable to because the system keep asking me about which company I have a mortgage with, i select none even though some of the creditors listed I actually have a credit account with but i donot have a mortgage, I am a renter, so it denies access to my credit report every single time. On XX/XX/XXXX evening i was able to start an investigation on some of the items that I had been readied to my credit report and when i got to the end to hit submit the system gave a system error and I had to attempt to access the report again and then it denied access again. I had also sent in a written dispute on XX/XX/XXXX by certified mail which shows it was picked up and signed for but i have yet to receive an email from Equifax acknowledging the receipt as it had been done in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Servicing retained attorney XXXX XXXX with XXXX XXXX XXXX XXXX XXXX to modify my mortgage. Although, a modification was offered, accepted and signed, XXXX XXXX has breached contract by not fulfilling agreement. Per modification contract property taxes & insurance is to be escrowed however, I am having to pay out of pocket and I want to be reimbursed all money paid towards insurance. I am paying {$610.00} to XXXX XXXX in C/O Ocwen Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested the Bankruptcy record to be removed from my report. It has been more than 7 years since discharge, and by their own words, the record remains for 7 or up to 10 years.

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 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received a XXXX/XXXX/2015 letter and various phone calls from Central Credit Services, LLC attempting to collect a debt from XXXX in XXXX. These are most likely about a XXXX services accrued in a Bundled service. I have statements from XXXX showing that the statements are paid in full. I previously filed a complaint with the FTC regarding this manner and I thought it was taken care of. Now I am receiving bills at my new location in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: My mortgage was sold to  Nationstar  recently from  XXXX . Immediately  Nationstar  began mishandling my loan. I immediately asked for an amortization schedule on my loan so I can compare with previous ones from  XXXX  to validate that my loan transferred correctly and no further mishandling could occur. A supervisor at Nationstar then provided me with a falsified report. I then move up the ladder to the current supervisor who has promised me an amortization schedule for well over a month. My  XXXX   XXXX  17  payment is now due and will soon be late, yet I still do not have anything that can assure me that  Nationstar  has transferred my loan correctly. I have a significant amount of emails to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: starting in XXXX of 2016 I hired a lawyer and we started the process with Fay servicing of a loan modification so I would not lose my home. 

I have filled out the same paperwork for almost 2 years now. 
They keep sending documentation about foreclosure. 
Every time I submit some type of documentation they tell me it either has expired because it takes them 90 days to review it, ca n't read it, forms have changed and that a line on a form is wrong and to do it a different way. 

I have spent at least {$2000.00} with my lawyer t file paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX. 
HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX. 
That the current status was '' Foreclosure started '' as of XXXX XXXX. 
As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED. 
Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act. 

The date of first delinquency is misreported and inaccurate. 
The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported. 
No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response. 
Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I can not obtain my credit report in any way. There is alot of things that were reported on my report that i know are know are not mine. Judgements and crefit accounts and loans that were never mine. They keep sending me form to update incomplete and outdated information. Why? I do not know. All i know is i took rje hit for the past several years for someone elses debts. Unacceptable. And years later i still fo not know what my credit report still has on it or if anything new was added to it. I need serious help with this. Equifax keeps railroading me. I need to move in 3 weeks and i need this information. I pnly have XXXX identity. Not my fault they reported wrong information. And i sent them my information they requested numerous times already. It has been years trying to resolve and nothing has been resolved. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been contacting Caliber Home Loans XXXX times since XXXX XXXX in order to obtain an escrow analysis. My loan started in XXXX at which time the XXXX XXXX was not yet applied. It was applied around XXXX XXXX and I have asked to 1 ) have a reduction in escrow ( ultimately monthly payment ) and 2 ) be refunded an overpayment which is as of today is approx {$1600.00} and each month {$300.00} is added to this amount. I keep being told each time to wait XXXX days and nothing happens. I have talked to XXXX ( teller id XXXX ), XXXX in Tax, XXXX XXXX, supervisor in tax whos phone # is XXXX, XXXX ( teller id XXXX ) and XXXX XXXX, supervisor -- XXXX refused to give me her direct phone number but her extension is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Bayview Loan Servicing , LLC ( Bayview ) is my purported mortgagee. They initiated foreclosure proceedings on my home in Texas XX/XX/2016 without first providing a default notice and opportunity to cure as required by the Texas Property Code and Deed of Trust. I was not in default when the foreclosure was commenced. I filed a lawsuit to get the foreclosure restrained, and the judge granted my request for a TRO. Before the foreclosure, Bayview did not comply with 12 CFR 1024.39 ( a ), which requires a servicer to establish contact with a delinquent borrower not later than the 36th day after the delinquency. Bayview never called me. Not later than the 45th day, a servicer has to provide a delinquent borrower with a written notice as set out in 12 CFR 1024.39 ( b ) ( 1 ). Bayview did not do this either. Bayview has also violated the continuity of contacts requirements of 12 CFR 1024.40. Furthermore, pursuant to 12 CFR 1024.41 ( f ) ( 1 ), a servicer shall not make the first notice or filing required for foreclosure unless the borrower 's mortgage loan obligation is more than 120 days delinquent. If Bayview has not even complied with the above rules regarding initial contact and loss mitigation, then certainly they should not be trying to foreclose. Bayview is totally ignoring my contract rights and RESPA, and they are going to try to foreclose on me again soon.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I just received notification from XXXX XXXX XXXX that a collection was added to my credit report. According to XXXX XXXX XXXX it was reported inXX/XX/XXXX I had to XXXX  the company on my credit report and found that they were a collection agency. They are claiming I oew # XXXX but I do n't know who I supposedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with Collection Consultants of California (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account name COLLECTION CONSULTANTS Account number XXXX Recent balance {$170.00} as of XX/XX/XXXX/2017 Date opened XX/XX/XXXX Status Collection account. {$170.00} past due as of XXXX 2017. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Collection COLLECTION CONSULTANTS ' lack of response has negatively impacted my credit report. I reserve all legal rights to defend and dispute my credit report records. 

Why wo n't COLLECTION CONSULTANTS provide a deletion letter for paid claims, similar to other collection firms? 

Request : Deleted permanently from my credit report. Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. This is the only remaining inaccurate collections item on my credit report. 
Consumer Finance Protection Bureau ( CFPB ) Case Numbers for CMRE to immediately address :

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Capital One has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Accounting Department of Ace Cash Services has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 

The total outstanding of XXXX amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$3900.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. The legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX Between XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX XXXX ( XXXX XXXX Copyright ( C ) 2016 XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation