milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My situation started XX/XX/XXXX when I finally separated and moved out of the house, during this time I provided a total of XXXX mortgage payments, some of which where directly debited from my business account. Because of issues with my ex wife signing check out of the account without authorization, I came to an agreement of providing her with monies for the mortgage and needs for my kids. Mortgage payments never made it to XXXX and instead I found out later by my daughters that the house was going on foreclosure by the somewhere around XXXX XXXX. I contacted XXXX immediately and told them of my situation and ask for help. I was then contact by an organization Located in XXXX XXXX MN that stated needed my signatures for a modification being sought by my ex wife. I attended the place and signed paper work, but I never heard from them again. It was then XX/XX/XXXX, when I contacted XXXX again to find out, whether a modification had been done or what the status of the property was?. I found out that my ex wife was going trough bankruptcy, that the foreclosure process was not possible until some legal terms where met, I told XXXX many times I was not in bankruptcy, but again they say there was nothing to do but wait, however, they say to apply for a modification, which I did the XXXX. I did apply 3 times XX/XX/XXXX as paper work was either incomplete and or wrongly filled out, same happen in XX/XX/XXXX 4 times and XX/XX/XXXX 3 times XX/XX/XXXX 1 time. now XX/XX/XXXX is about to end the house is being sold on XXXX XXXX XXXX by the sheriff as I understand and many tries after trying my best to modify this loan I will loose a house I always intended to keep. I explained XXXX, Resurgent Mortgage and Shell point mortgage, to please give me a viable path to catch up, to put the existing debt on back of the loan, anything other then t=come up with a huge amount of money to bring the loan current. The most frustrating information on this case of mine is that I was never denied until the year XX/XX/XXXX, because I simply make to much money. I have a hard time understanding this process, being able to make payments disqualify me? being able to provide and be responsible takes me out of the favorable result of a modification. I have counted at least 17 time that I have tried for a modification, one single time of those I was denied for the reason already mentioned, this have to be a unique case? a single out case? or I do n't know what to call it. Please I bag like I did form the beginning, give an opportunity to keep my house and to work together with the bank to find a favorable solution to this modification, for me to be able to provide a roof for all my love ones that depend of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Non-federal student loan) with Summit Collection Services, Inc. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After not paying a few monthly payments to my school due to a  Family  crisis. My balance with my university of {$8000.00}, was brought over to a collection agency. An additional 30 % charge was added bringing it to over {$10000.00}. Is that a correct amount of interest they can charge me? I currently live in NJ as well as the  Collection Agency  is based out of. I want to make sure I have the nessesary information before I continue paying off this loan with them.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: In early XXXX opened an TD Bank checking account and transferred in funds. I did not receive checks. A visit to a branch to resolve the matter resulted in assurances the checks would be resent for a fee arriving around XXXX XXXX. None arrived. A call resulted in another assurance that checks would be sent, for a {$30.00} + fee, which the customer representative claimed was waived. Weeks later, nearly two months after opening the account, I have no checks. I have received a debit card. The bank has my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX This account : 1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance 2. Is missing the Payment History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing 3. Is missing the Balance History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing. 
4. Has Late Payments, when there is no Balance History to support this. 
a. Comments Say Late in XXXX and XXXX, but its flagged 3 times as late.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting the wrong address on my credit report. I spoke with Experian 's rep on XX/XX/2017 and they indicated that I would need to send them a Utility Bill, Social Security Card, and a Drivers License in order for them to update my address. However, I do not provide that kind of information to public corporations such as theirs. I also explained this to them when I uploaded my dispute documents with the correct address on there.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I modified my mortage with XXXX in mid 2014. As part of the modification, they forgave all unpaid escrows, past due interest, protective advances, etc. and I was only to repay the remaining principal balance over the remaining XXXX years from the original mortgage at a modified interest rate. Shortly after close, XXXX sold the loan to Nationstar mortgage. Nationstar mortgage is now demanding repayment of delinquent tax and insurance escrows which were already forgiven as part of the loan modification. I have spent over XXXX hours on the phone with them and they always seem to " drop '' the call when I prove my case. On Monday, they agreed to amortize the escrows over a XXXX period but then subsequently came back reducing the period to XXXX. On top of this, they are charging me a {$290.00} late fee which is only due to us not being able to figure out how much I owe them monthly with the {$300.00} increase in impounds ( which is not owed to them per my loan modification ). This is bullying and they know most home owners do n't have the time or resources to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV FUNDING LLC  XXXX   C  O RESURGENT CAPITAL SERVICES  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SC XXXX  (  XXXX  )  XXXX , has re-aged  XXXX  accounts on my credit report according to the original creditors date of first delinquency. In addition, LVNV FUNDING LLC has not verified that this debt belongs to me before posting to my credit reports. This is another violation of the Fair Credit Reporting Act.     Creditor Name-LVNV FUNDING LLC Account No. XXXX *** Orig inal Creditor-  XXXX    XXXX    XXXX   XXXX   XXXX  Original Balance  XXXX   Date Opened- XX/XX/2017  Date Reported- XX/XX/2017  Creditor Name-LVNV FUNDING LLC Account  XXXX  Original   Creditor   XXXX    XXXX    XXXX   XXXX    XXXX   Original   Balance-    XXXX   Dat e Opened-  XXXX  Date Reported XXX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Upon reviewing my credit report i noticed an account that is listed under MEDICAL.

Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 

2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. 

My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies.

2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment.

If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan.

How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.

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 02-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Delinquent account

Complaint: Dear XXXX, I am requesting that both of my Capital One accounts be re-opened. Due to the loss of my mother and loss of job with my daughter the cards were over the limit, past due in payments because of my family crisis. The credit card company took it upon themselves to close my accounts, yet demand payment. Now that we can attempt to get back on our feet-we are requesting the cards get reactivated, and report both accounts as " OPEN '' on my credit report. If I am still committed to assume payments on the bills at least I will gain credit by Capital One reporting as NOW paying as agreed. Previous payments were made ontime, our lack of payment, and overages were simply due to my mother 's illness then finally her passing. It has been so hard trying to pay everyone, and keep a roof over our heads as well. Please mediate for us that Capital One will re-consider re-opening my accounts. We want to continue to make payments on-time and continue to build a healthy bussiness/customer relationship in the future. Lastly, we were told that a return check was a reason why the account was closed-we had so much going on with planning of funeral and burial with mom-it is hard for us to track down anything-they may have been a payment automatically to be collected out of my Capital one checking account-and in all the XXXX and XXXX going on, we forgot to follow up on the transactions-still we find that is no reason to close an account when previously the payments were made on time, and we received several increases on both accounts. We made several attempts to communicate with Capital One- we were faced with customer services representatives who had communication barriers which we could not understand XXXX were they able to access our problem to give real clear answers. We were told different answers as to why the accounts were closed-as though we were committing fraud, which that is totally ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (Medical) with R & B Corporation of Virginia (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Control Corp promised to send me a report showing debt was written off on XX/XX/2016. And, send within 10-minutes by email a promised paid confirmation that I paid the remaining debt on XX/XX/2016. Today is XX/XX/2016, no paid receipt for the {$1200.00} debt paid by XXXX on XX/XX/2016 or the report showing that the {$560.00} was written off by a creditor has been received. These are proof of payment and normal business transactions. I have been anxious and worried that in today 's technology world, that the payment was not applied to my account ... identity theft, employee theft, etc. I still do not have proof today XX/XX/2016. My wife, XXXX XXXX, is handling this matter for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I received an American Express Gift Card as a gift from my boss from work. The first time I tried to use the card ( at a XXXX 's ) only a portion of the purchase was applied to the card ( approximately {$8.00} ). I thought that was weird but did n't think anything of it. The next few times I tried to use the card - all charges kept being declined. Curious, I went on American Express 's website to see how much the balance was. To my surprise, the balance was XXXX. The stated beginning balance on the card was {$100.00}. I noticed charges that I did not make on this card they are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purchase ( XXXX ) w/ Bal Return & XXXX - Reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Purchase with XXXX - Reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT  #  XXXX . I had previously disputed this account. I have never done business with  XXXX   XXXX   XXXX   XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following :  1.  ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd  XXXX   XXXX  and  XXXX   XXXX   XXXX .    2.  ) Any and all statements allegedly related to this debt  3. ) A ny and all signed receip ts 4. )  Any and all canceled checks  5.  ) Original date of default and collection activity begi n 6. ).  Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting inaccurate info about XXXX XXXX. EXPERIAN REPORTS status as a past due amount of {$2600.00}. However, I have uploaded a copy of the deed in lieu of foreclosure document which clearly states the deed is in acceptance of any and all past due balance. They also report that we have a monthly payment of {$410.00}, and a recent balance of {$20000.00}. Last reported on XXXX. I asked them to investigate and followup with XXXX. According to XXXX, they no longer show the account active with no balance. Experian provided dispute findings as remains no change. They did n't even get an updated response from XXXX. XXXX XXXX clearly states deed accepted ias full satisfaction. I have been trying to get experian to correct this for over 60 days..

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After using XXXX to check rates for mortgage refinancing in XXXX 2017, I was contacted by multiple companies. One of these was XXXX XXXX. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that XXXX XXXX had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that Credco had information from XXXX XXXX, 2017 for an inquiry. I called Credco and they indicated XXXX XXXX had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this XXXX XXXX organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to XXXX XXXX was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.

Company response to consumer: Closed with explanation