milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Credit card) with Second Round Limited Partnership (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX I sent a debt validation to Midland Credit Management in regards to their entry on my credit report. They received this letter on XXXX XXXX. In my letter I stated that I was not aware of any debt owed to them and to please remove their entry from my credit report. On XXXX XXXX they sent me a letter stating that they understand I 'm disputing the accuracy of their records but after reviewing the account they were unable to determine the nature of my dispute. 
In my letter to them I said I was n't aware of anything owed to them. That 's the nature of the dispute. On their letter to me at the top it has creditor name as Target and balance of XXXX. This is the same name and amount that is on my credit report. They did n't provide me with anything new about how and why I owe the amount. This is a blanket letter they send out to anyone that tries to get the debt Midland says is owed validated. They 've also continued trying to collect on the debt by sending a letter with payment options on XXXX/XXXX/2015 as well as updating my credit report with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Medical) with Capio Partners, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX is failing to remove the inquires Please see attachment below. 

XXXX have also re inserted an account that was removed and failed to notify me violating the law. 

Trans Union is also re inserted an a count that was removed and failed to notify me violating the law. 

Please see Documents below

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm divorced and should n't be on a Discover credit card account that my ex-husband opened before we were married. He made me an authorized user, but took over the debt in our divorce ( this is in our divorce decree ). 

How can I remove this from my report? Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested Business and Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Settlement process and costs

Complaint: i was issued a wrong modification with XXXX XXXX XXXX after loan was sold to them and in turn now a servicer spf wont help. my home is legally entitled toa loan reduction from sandy damage and a real modification. this loan change hands three times and nowforeclosure is in process.. no one cares no one helps but when i was need in XXXX i did my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to do a short sale for almost a year. The bank seems to think that I can afford the mortgage and they keep forcing me into a modification. I am desperate as I can not afford the mortgage, the bank is being unreasonable and I have had several offers on the property for the current market value, but the bank is trying their hardest to set me and my family up for failure. they are not doing what the government says the lender should to provide alternatives to me as a homeowner. Now they are talking about foreclosing if I do not sign off on a modification. I thought that the bank was supposed to assist me with foreclosure alternatives? If so, they are failing miserably.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (MN).
Issue: Fraud or scam

Complaint: I have personally banked with Wells Fargo for 30+ years. I also have 3 businesses with more than $ 15million in annual transactions flowing through Wells. 

They have decided to endorse XXXX for web transfer of funds On XX/XX/2017, my wife identified some tickets she would like to a football game. I connected with the seller and asked them if we could see the tickets. They mentioned that they use XXXX from Wells Fargo which has fraud protection. 

Checked with Wells and yes ... they do approve XXXX. I was told that there is a delay before funds are actually transferred to ensure it is not fraud. We transferred and asked for the tracking number. The seller did not provide the tracking number so I reached out to Wells Fargo and XXXX immediately to block the transaction. There were no return calls or emails from XXXX and Wells customer service knew NOTHING about XXXX. They could not help me at all. Days went by and the Wells or XXXX did nothing. The cash was transferred after 48 hours of absolutely NO help or fraud actions from Wells Fargo or XXXX. 

Bottom line. Wells is doing NOTHING to protect long-time customers from this type of fraud. I reached all the way up to executive VPs at Wells and got absolutely nothing. Even after my 30+ years of loyalty as wells as moving my businesses to Wells . 

It is clear the direction I should take my personal and corporate banking. XXXX should be shut down.

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 03/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Settlement process and costs

Complaint: Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it. 

I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Citibank lied to me about a promotion I called Citibank on XX/XX/XXXX morning at XXXX XXXX XXXX and they converted my Day to Day Savings Account to a Savings Plus account and assured me that I was enrolled in XXXX Promotion offer XXXX I called once more on XX/XX/XXXXto confirm and I was assured that I was enrolled On XX/XX/XXXX, I called again to confirm before transferring the money and then their story changed. They said they can not confirm if I was enrolled or not and said they will call me the next day to confirm. On next day, they called me to say that I was NOT enrolled in the above promotion. 

As you can see, they lied to me and have no clue about what they are doing. I want this to stay on their permanent record so other people can also see and learn about their dishonest and corrupt practices

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On  XXXX   XXXX , 2017, TransUnion signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   XXXX   XXXX  . I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On XX/XX/XXXX , I received an updated copy of my credit report with a cover letter that included a statement that I could " ... also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. '' I had already included that request with the initial letter. There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On  XXXX   XXXX , 2017,  XXXX  signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
On   XXXX    XXXX , 2017 I received a copy of my credit report with the same stock cover letter that stated, again, I " ... may also request a more detailed description of how the investigation was conducted along with the business name, address, and phone number of the source information. I have not received the documentation from the original request of XX/XX/XXXX  as requested. They have also failed to provide the documentation from the 2nd request of XX/XX/XXXX . There is no proof valid verification took place, which should include the name, address and phone number of whom they received the information from, and what information was received to verify these alleged accounts, including any document bearing my signature.

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 07/19/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank closed my Paypal Smart connect credit card account without any type of previous communication or anything, they recently increased my credit limit ( less than two months ago ) and now they decided to close my 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
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had inaccurate reporting on an   XXXX   charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquenc y 120+ '' and  it has been dampening my credit score. I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX   report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX/14XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, XXXX XXXX from XXXX contacted me regarding my complaint I filed with the CBPB. My house was wrongfully foreclosed and I am asking XXXX to rescind the sale. She said she would fully review my loan file. Everyone who has reviewed my loan file has found no wrongdoing, when I know violations have taken place, but they do not care. After I mentioned the denials of my loan modifications her answered was that I had been in default for too long. A closer look at my file would have show the history of me trying to prevent further default. I offered XXXX dollars to partially cure a debt of XXXX dollars back in XX/XX/XXXX. The servicer refused to accept my money instead I was led to believe that I was going to receive a loan modification because I had a pick a payment loan. This did not happen instead I was put into a non-ending loan modification process and then the WFHM blamed the US TREASURE for the loan modification denials as NEGATIVE NET PRESENT VALUE. I COULD NOT APPEAL THE DATA INPUT ON THE XXXX. XXXX  made it sound like it was the fault of the government for not being approved. the investor was WELLS FARGO and under their in house loan modification it did not mentioned anything regarding negative net present value. the XXXX Had to be 31 % or higher and for years until a few weeks ago that I did some tables for some of the loan modification denials I realized that I had 31 % and higher and that I could have been approved, the problem was that my house from my family had equity and it was the equity that made it more beneficial for the investor XXXX XXXX XXXX, XXXX to foreclose than to assist me obtain a loan modification a long time ago. 

In XX/XX/XXXX, the trustee used the XXXX from XX/XX/XXXX which has robo signer and a false declaration of compliance under penalty of perjury and lying to the consumer that they were obeying the law. I was told by XXXX that there was no need to record a new XXXX and they used the old one from XX/XX/XXXXto foreclose my home. WHAT HAPPENED TO THE CALIFORNIA HOMEOWNER 'S BILLS OF RIGHTS. WFHM HAS VIOLATED AND HAS USED THE LAW TO PRETEND THEY ARE OBEYING THE LAWS THAT WERE SET TO PROTECT US. IN THE PAST THE CFPB ONLY has collected data from homeowners, but to this day has not accomplished the prevention of fraud and removing us from our homes when we can afford our payments and we are willing to remain in our homes. I HAD A LOAN FOR XXXX AND A VALUE OF XXXX WHEN I TOOK OVER THE LOAN FROM MY FAMILY. THIS WAS A REFINANCE NO CASH OUT PICK A PAYMENT LOAN. I LOST EQUITY AND MY HEALTH TRYING TO PREVENT THIS WFHM CRIMINAL INTERPRISE FROM TAKING MY HOME FROM ME AND MY CHILDREN. THANK YOU, 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