milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from Resurgent Capital Services : Current Creditor LVNV Funding LLC stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt LVNV Funding LLC will not sue me and will not report it to any credit reporting agency. So LVNV Funding LLC has placed this account with Resurgent, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I am in urgent need of your help in this matter. I had a job transfer that has created a hardship for my family. We tried to do a modification with no success. We have been working with a realtor and after several months we finally found a buyer. This is a great offer and it was submitted to Capital One 's short sale department on XX/XX/XXXX, Which we have proof of. The short sale department for Capital One is claiming that they did not receive it until XX/XX/XXXX and that was within 30 days of the foreclosure sale date and denied the short sale. 

We have worked so hard to find a buyer in this hard market and to now be told that we did n't make the deadline because Capital One 's short sale department did n't open what we sent them until XX/XX/XXXX is crushing. We are simply asking for them to postpone the foreclosure sale date for 30 days to allow the review of the short sale. 

I have XXXX boys and XXXX that is in XXXX. It is XXXX time and I do n't want my family to be tossed out of our home right at XXXX. We have lived in this home for over 12 years and have had our struggles like everyone else. We just want the opportunity to be able to at least do a short sale. We are trying to reach out to any upper management at Capital One for help but this is going on deaf ears!!! 
Please Help!! 
God Bless!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm making a complaint against the incompetent organization, TransUnion. I 've provided the proof required to show that they are reporting XXXX different public records incorrectly and I am including a copy of my credit report in the attachments ( see page XXXX - public records ). 
Here is the body of my letter to TransUnion : XXXX XXXX XXXX All XXXX bureaus have the wrong open date for this account and how can the correct open date be XXXX/XXXX/13 and XXXX/XXXX/13? Not possible. You also have the date that this account went negative incorrect. I need for you to send me the proof immediately or it needs to be removed. 

XXXX Recorder of Deeds XXXX # 1 you have " paid tac lien '' as the title of this one - what is that supposed to mean? 
# 2 you have `` county clerk '' for the court - which county clerk? 
# 3 I 've already made complaints to the CFPB and I 'm including this with my letter! 
# 4 the filing date that you have is not right - unless you have the paperwork to prove this, I need for you to remove it US BK CT XXXX # 1 you have the wrong filing date # 2 you have " us bankruptcy court '' - which bk court? Which city? Which state? 
# 3 the docket # that you have is not complete

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Transunion credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and notice that they were connected to apartments that I have never lived at. I am furious at this point.

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 07/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage sold my mortgage to XXXX XXXX aka XXXX in XXXX. When Wells Fargo Home Mortgage sold the mortgage to XXXX aka XXXX, there was an assignment of mortgage that mysteriously appeared in the county records. The mortgage was never assigned to Wells Fargo Home Mortgage. The assignment of mortgage that appeared was allegedly executed on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX. was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX. The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to Wells Fargo ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with Wells Fargo and there was never an assignment of mortgage made from XXXX to Wells Fargo. When this document was recorded, XXXX fully purchased the loan from Wells Fargo. This assignment of mortgage is a fabricated document. Wells Fargo admits there was a purchase made of my mortgage by XXXX but is refusing to provide me with any documentation. Wells Fargo Home Mortgage is stating the information I am requesting is confidential, privileged and or proprietary information of Wells Fargo. In the state of Florida this is a public record and as such, was supposed to be recorded in the county records. According to Wells Fargo Home Mortgages own records, this loan was " paid in full '' in XXXX. There are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. It is extremely clear that this is not a valid document.

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 04-07-2018 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a billing error on behalf of XXXX hospital

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 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complaint two weeks ago, and noting happened. I am filing a compliant once again with hopes that this situation gets resolved. I have contacted Transunion to remove incorrect items from my credit report and they refused to remove items that they relisted. The items are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Can someone please help me? I know what Transunion is doing is wrong, but I ca n't do anything so I am reaching out to you. I just want those items taken off that they relisted. 

Thank you.

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 02-01-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I made an international wire transfer of {$9900.00} to Coinbase, but was noticed that the wire was reversed on XX/XX/2017 because the account name didn't match. I still don't receive the money in the bank now. I have contacted Coinbase by email, but no reply for more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI is reporting an outstanding debt in the amount of {$110.00} to my credit reports. This alleged amount was previous sold by XXXX to another company ( a BBB complaint was successfully filed against XXXX XXXX XXXX XXXX ), and was illegally sold again to AFNI. To date, I sent a letter to validate this date to AFNI, and there has been no correspondence received from them. 

At no time have I entered into any contractual arrangements with AFNI XXXX. Afni XXXX was aware of a dispute raised electronically through AFNI 's XXXX, XXXX, and XXXX inquires and collection tradeline. 

A XXXX tracked letter was sent to AFNI that this debt is illegal and invalid, and they are still attempting to collect on this illegal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am unable to talk to this company as they refuse to confirm my identity because they had my date of birth incorrect they put a fraud alert on my report and I have sent them XXXX letters with my license social and SSDI paperwork and passport and they will not remove this alert they ' refuse to allow me to log in and I have been on the phone for days months years please help me get then to remove that information as it is affecting me to get credit cardsThank youThe case number is the most recent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Student loan (Private student loan) with TEXAS HIGHER EDUCATION COORDINATING BOARD (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My loan is serviced by the Texas Higher Education Coordinating Board. I have reset my password online multiple times and none of the passwords I have chosen have worked. My account now says that I am locked out. I have tried both customer service numbers, and utilizing the options provided, have been hung up on three times today ( XX/XX/17 ) alone. The option for technical issues does not work at all and refers you to the number which you have already dialed. This issue has persisted for weeks and this is not the first time I have tried to reach the company. I can not access my account at all to make a payment, even though I have tried countless times to reach this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have inquires on my credit report that do not belong to me. I have not applied for loans or cards from these companies but I still have hard inquired on my credit report Here are a list of inquires that are NOT mine see below. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I did refinance with bank of America, my loan is no escrow account according to the HUD. Now bank of America is collecting an escrow money from my account after i paid my taxes and insurance on my own. I m paying twice. I called several times and the issue not resolved yet, claiming they have a lot of guidelines and they cant just come and change it to no escrow. i ve been never late in payment of my mortgage or taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. 

I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. 

Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Medical) with ESCALLATE, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate , LLC and has been on my credit for several months. Due to the contract between XXXX and the City, I am not responsible for the bill.

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 02-01-2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Now they have locked me out of my own house! They have a sale schedule on the XXXX of XXXX and I ca n't enter my own house or get my personal belongings! This is illegal! XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX ( XXXX. as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (OK).
Issue: Problem when making payments

Complaint: The problem is with the statement procedure.  For over 2 years, mailed statements only include regular payment amount due.  Statements have not had ANY information regarding amounts paid towards principal or interest, payments made, loan pay-off amounts, etc.  for this length of time, statements have the words “under construction” pertaining to the lack of information.  Online access is extremely limited; unable to update personal information, and payment due is vague (does not show past due dates, only amounts).

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.

Company response to consumer: Closed with explanation