milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm trying to refinance my mortgage ( currently with Freedom Mortgage ) and the title company has been unable to get a payoff quote in a timely fashion. I called myself to get XXXX and they are charging me {$30.00} to get a payoff quote. How is that in any way legal? That 's the only way to payoff the loan and they are charging for it? It 's an extremely predatory practice that needs to be stopped.

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 11/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Trouble during payment process

Complaint: The mortgage arrearage from Nationstar / Mr. Cooper was file by my attorney office in XX/XX/XXXX toXX/XX/XXXX doings that time frame. In XX/XX/XXXX my attorney XXXX XXXX XXXX XXXX XXXX file a petition to add Nationstar mortgage to the Chapter XXXX plan that the reason why the arrearage went from {$2500.00} to {$4200.00} because Nationstar mortgage did n't file the ongoing mortgage payment the trustee office made the payment with out receiving the claim amount. I had my attorney office to contact by telephone 7 times and no arrearage claims was file with the trustee office, Nationstar and their attorney kept saying that they had to change something on the modification per supervisory attorney XXXX XXXX. The modification I did n't give my consent. I contacted the trustee office 5 time asking why Nationstar there no claims file by them. See Attached document will show unfair treatment from Nationstar and their Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (OK).
Issue: Problems when you are unable to pay

Complaint: I have missed a payment on my vehicle loan and I am willing to resolve the issue. UAC keeps contacting me at work. I have asked them several times not to call me at work, but they said that does not apply to them. Is this true?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (VA).
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: This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Delinquent account

Complaint: I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: Paypal has a new scam they are doing. They have now added a immediate transfer pay option from paypal to my bank account which cost XXXX cents per transaction. I f you do not use this new transfer method then you can make a transfer using the normal transfer that takes 24-96 hours. The problem is that when you choose the normal transfer, XXXX send a pop up message reading, " the transaction now has to be reviewed by paypal because of security suspicions, and may take up to 1 hour ''. Paypal will now sit on these assets for transfer anywhere from 1 - 3 business days. They are collecting interest on consumers behalf by holding these assets for a longer period. Total new scam they have come up with. The time table that they give for review is an hour, but more that ten ( all ) have all been held for 3 - 4 business days. Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Credit decision / Underwriting

Complaint: I am trying to refinance my home. On XXXX XXXX I was told I should n't have a problem my son 's name is on the loan due to the fact when I brought the house my credit was n't good, and my daughter co signed. 5 years ago my daughter 's name was take off. Freedom Mortgage is giving me a hard time because they said my daughter 's name is still on the loan even though my current mortgage company told them no. I have been making the mortgage payment and have never missed or been late on a payment I have sent them my bank statements because the mortgage payments was coming from my bank account bi-weekly, however Freedom Mortgage wont ' accept that. My credit score is over XXXX, but that is n't good enough for them either, they said I need more income. So I told they I get XXXX for taking care of my brother, and I have power of attorney now they are telling me I need guardianship. I have had XXXX different processors so far. XXXX XXXX told me as long as I have my credit score is over XXXX I can be put on the loan. My name is on the deed, but FM wont ' accept that, they wo n't accept my bank statements because it looks like if came off line. I work part time for XXXX and they wont ' accept that either unless I go see an accounting. They want me to pay an accountant and lawyer money. XXXX and XXXX XXXX refuse to give me the underwriters name because they are blaming it on him saying the he 's the one not accepting anything. I have had my same job for almost 15 years and pay my bills now even though in the past I have problems due to divorce. My son has been in the same position for almost 10 years now, and his credit score his close to XXXX. Yet Freedom Mortgage won ; t approve us and wants us to put out money. XXXX XXXX my current mortgage company has tried to step in and help but Freedom Mortgage wont ' even listen to them.

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 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: the balance showing on the following credit cards are months out of date and incorrect because the balance has been paid in full Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KS).
Issue: Struggling to pay mortgage

Complaint: I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian received my dispute which included a dispute for an unverified account ( US BANKRUPTCY COURT account number XXXX ) and multiple inquiries which I did not authorize. The company has failed to acknowledge my dispute for the inquiries to be removed as well as for the 3rd time has extended their dispute date for the public record which has now been pushed to XX/XX/XXXX. I am not sure why they are asking for " me '' to wait for them to verify information for an account they should have already verified. I am also not sure why I have to be punished for inquiries that I did not authorize. I am asking them to delete this public record immediately as well as the multiple inquires that I sent to them via certified mail on XX/XX/2017. This public record and these unauthorized inquiries are negatively affecting me and causing me a hardship when attempting to obtain credit.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax the XXXX XXXX Credit bureau needs to refund cost of our freeze or cost to lift it and it has failed to explain how to obtain reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VI).
Issue: Application, originator, mortgage broker

Complaint: I applied for a re-fi loan with XXXX in XX/XX/XXXX. During closing I was told I would only have to have an escrow because my home was in a flood zone. We knew at the time the property was coming out of a flood zone, but the new mapping would not be finalized before I closed. In XX/XX/XXXX my home was removed from the flood zone and I forwarded the appropriate paperwork to Pennymac who was now the servicer of my loan.I received several communications back and forth since XX/XX/XXXX. Each time I was informed either via letter or by email on their site that the escrow would be deleted, then it would not because of my credit score ( my credit was never pulled ), then I would call and be told it was being deleted, then I received another letter that the property loan to value ratio was not met, then I would call and they would say it 's your credit score, I provided my actual credit scores and was told it would be deleted, then I 'd receive another letter saying the request was declined due to loan to value ratio ... .and back and forth. I have all letters and dates to this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXX XXXX, also known as XXXX XXXX Secure Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with Continental Finance Company, LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Since 2010, on numerous occasions I have disputed a bankruptcy being reported by Equifax on my credit profile. Each and EVERY single time, they 've responded " verified ''. And EVERY single time I asked for what 's known as a Method Of Verification, I 'm simply told to contact the court on " record ''. On several occasions I 've spoken with court officials over this so-called bankruptcy and they verbally confirmed what I had already assumed ; Equifax NEVER, NOT ONCE " verified '' any such bankruptcy with the court. And as such this reporting is illegal according to the FCRA and NJ State Law and needs to be deleted. Please refer to my notarized letter addressed to the court and their certified response. I look forward to Equifax 's response via CFPB for the record as I contend that Equifax 's policies allow them to BLATANTLY LIE to consumers and the authorities that govern the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (I do not know) with Universal Recovery Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I went to check my credit score, and noticed it had dropped 50 points, due to a report from Universal Recovery attempting to collect a debt from XXXX XXXX. I had joined this gym for one month at a rate of {$19.00} a month, but, since I was moving, closed the account. I was informed the account was closed and recieved no notices, mail, advertisements etc. from them since, and this was a year ago. The recovery department is trying to say I owe over {$100.00}, which is absolutely false, and I need this reversed immediately as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquiry dated XX/XX/2017 from XXXX XXXX XXXX XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Other bank product/service) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade submitted false information to the IRS and refuses to correct it, that is the short story. 

More information : During the past years when I previously used my former Scottrade account, I noticed a number of problems with Scottrade 's XXXX submissions that they were reporting to the IRS. The problems included incorrect trade dates, improperly formatted items, and most severely incorrect profit/loss calculations. ( Brief research on this topic shows that Scottrade has a number of complaints about late, false, or incorrect XXXX. ) I contacted Scottrade to have these issued resolved and unbelievably, they refuse to respond and claim that because I am no longer a customer, I am no longer eligible for account services. Interestingly enough, the IRS agreed with me, corrected the problems and sent me a balance for the overpaid tax. Shortly after that and shortly after my complaints to Scottrade, Scottrade re-submitted unchanged XXXX forms to the IRS. The IRS then processed those forms and promptly asked for the balance that I had received back.

Company response to consumer: Closed