milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I was discharged from a Chapter XXXX bankruptcy filed in XX/XX/XXXX. The reason I filed for a Chapter XXXX instead of Chapter XXXX bankruptcy was due to wanting to take all measures to keep my home. During the bankruptcy repayment period, my mortgage was sold to Nationstar. Upon the completion of the bankruptcy in XXXX, I contacted Nationstar to make sure that they had everything they needed in order for me to resume paying the mortgage now directly to Nationstar. During that call I was informed that they did not have record of me completing the bankruptcy and to call back later. I called XXXX more times during XXXX and XXXX, each time being told that they still did not have any record of me completing the bankruptcy and that I could not access the account online or receive statements. They told me that they could not give me any information because I was in bankruptcy. Nevertheless, I did begin to send them payments for the mortgage in the hopes that this would be resolved. 
To this date, I still have never received an account statement from Nationstar showing me what I owe overall or what my monthly payment should be or no record showing that the payments that I have sent have been applied to my principal loan amount. The last time that I called Nationstar stated that they would get notification on when I was out of bankruptcy and that they would be contacting me. On XXXX of the phone calls to Nationstar, they appeared to be very disorganized and told me that I had not being paying the mortgage and that I was in foreclosure. I called my attorney and his paralegal told me that Nationstar had approximately {$67000.00} in the trustees ' account that had not been collected or applied to my account. Due to the lack of communication and statements from Nationstar, I stopped sending payments as I had no idea where these payments were going or if they were even being applied to my account. 
On XX/XX/XXXX, I received a certified letter from Nationstar, stating that I am now {$22000.00} in arrears and I have until XXXX XXXX to cure this. Meanwhile, I still have yet to receive even XXXX statement from Nationstar showing my principal loan balance or any record of the status of my account. Upon receiving this letter I immediately contacted Nationstar to see what this was about and why I have not received any statements from them and their representative told me, " Yes, I see we are not sending you statements and I am not sure why. '' I want to pay my mortgage and provide a homestead for my family, but I do not have {$22000.00} in full to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI).
Issue: Fraud or scam

Complaint: I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2000.00} and needed the extra money returned. What I did n't know was that the money was a transfer from XXXX account. Needless to say I am out {$1800.00} at this time. 
The amount was a Money Gram transfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX ABILITY RECOVERY SER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, I initiated a wire transfer in the amount of {$5000.00} USD from my XXXX bank account to my COINBASE USD wallet. At that time, there was a banner listed on the COINBASE website that stated there was a backlog of wire transfers and that it would take up to 4 business days for the funds to be deposited. I waited the period of time suggested with no change. I created a support ticket on XX/XX/XXXX and received a canned response on XX/XX/XXXX stating the funds had been verified and that I should be all set. There was no changes to my account. I emailed them back that same day making them aware that the issue was still present along with a screenshot of the COINBASE USD wallet, no further contact has been made. There are countless other customers who are experiencing the same issue with no recourse. I can understand a company exceeding its resources due to rapid growth, but what is most concerning is that aside from these support tickets, there is no way to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

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 04/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to my ongoing complaint. 

In the process of my ongoing complaint ; I have identified another MAJOR issue with the servicing of my mortgage with Chase Home Mortgage. 

Original : # 1 ) my payments are being misapplied # 2 ) Chase is telling me it is my responsibility to notify Chase when they misapply payments New # 3 ) Chase has dual records of my payments. I get transaction date when I obtain my records online, but a separate report send to me has " posting date '' showing the " posting '' an average of 2 to 3 days after the payment is posted. On average, Chase is charging me two to three days of extra interest due to this [ improper ] payment posting. 

Summary of NEW issue *please note that corrections were made AT MY REQUEST - Chase tells me that I have to notify them whey they misapply payments ( which is part of my original dispute ) Payment Received Payment " Posting '' Original Issue ( # XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Federal student loan debt) with HEARTLAND PAYMENT SYSTEMS INC (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, which has reported negative information on my credit report regarding a Perkins Loan from XXXX college which was paid by the US Dept. of Education on XXXX of 2015. 

Heartland misrepresented themselves as being the Dept. of Education on the credit report, which is fraud. 

I informed XXXX XXXX that this was a fraudulent debt, however, the agency still continues to collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I took XXXX car on lease from Chase in XXXX 2015 ( hard check on credit ), opened checking and saving account with Chase in XXXX 2015 and all was going fine up till XXXX 2015. In XXXX 2015, they asked me to come and fill form XXXX to validate my identity ( name & SSN ) and I did so fully compliant at all times when ever they wanted any information whether my passport, driving license, XXXX copy and SSN card copy. They made me fill the same XXXX form in XXXX, XXXX & XXXX with same details again ( if you got it first time, why would you make me to do it again ) and also asked me to get a letter from Social Security XXXX certifying my name and SSN ( I got that too from XXXX XXXX SSN office with duly stamped and submitted in XXXX XXXX week ). Now even after doing all this, I was traveling and suddenly my debit card stopped working - I checked and they have mailed me a letter in XXXX first week stating that they have closed all my accounts because of invalid information and are going to report this to credit bureau on my car lease too. How rude and unprofessional is this? they never told me all this while that whom they are talking to and why they need this information on me when i have given them a letter from SSN office certifying my credentials. 

This is going to affect me so negatively and even though when there is no fault of mine. I have bank accounts in XXXX XXXX XXXX, XXXX and XXXX credit card too all with same name and SSN. 

Need your help desperately to stop chase in spoiling my credit history and file a case on them for causing XXXX and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I believe XXXX, representing XXXX XXXX XXXX, knowingly pursued a judgement against me that was past the statue of limitations in Colorado. In addition, the proof of service filed with the court was fraudulent and may have been fabricated. They have not provided me proof of service as I have requested twice in writing. There is no judgment or other indication of collection efforts on my credit report as required by the Fair Credit Reporting Act. They refuse to supply me with debt verification, hence I can only conclude that the lawsuit was filed and judgement was obtained illegally. The firm is claiming that I waived the statute of limitations by failing to file an answer prior to judgement. However, due to both their failure to serve me & my ignorance of civil procedure at the time, I did not have the opportunity exercise my right to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dovenmuehle Morgtage are ina ccurately reporting to my credit report.     In  XXXX   XXXX   XXXX   XXXX  appeared on my   XXXX   credit report, citing a mortgag e as 60-120 late for th e months of  XXXX   XXXX ,  XXXX  through  XXXX   XXXX . I do not have a mortgage with  XXXX   XXXX , additionally I have received no correspondence from this company informing me of such.     Shocked to see this I reached out to my mortgage lender  XXXX   XXXX   XXXX   XXXX   to ask if they had sold my note, which I was told they had not. I then called up the number listed on the credit report and was surprised to hear that it was Dovenmuehle Mortgage that answered.  Dovenmuehle  are however the servicers for my mortgage with  XXXX   XXXX   XXXX   XXXX   and while the representative informed me that  Dovenmuehle  also serviced mortgages for  XXXX   XXXX , they were unable to provide me with an explanation as to why this was being reported to my credit report.     It should be noted that I am are currently disputing several months of mortgage payments made to  Dovenmuehle that d o not appear to have been applied to my account for my mortgage with  XXXX   XXXX   XXXX   XXXX    According to the most recent statement I received Dovenmuehle they state they have not received payments for  XXXX   XXXX  through  XXXX   XXXX   ( E xhibit A ). However this is not what is being reported on my credit report and is yet another instance of inaccurate reporting by  Dovenmuehle.      As of  XXXX   XXXX   Dovenmuehle  is still reporting  XXXX   XXXX   ( an   entity I have no relationship with ) to my  XXXX  credit report while they report   XXXX   XXXX   XXXX   to  XXXX  and  XXXX   ( se e Exhibit s B & C ). This n ow looks as though there a re two se para te entities reporting to my credit thus having a great er negative impact on my FICO score. As a consequence I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this.     I consider this a very serious issue from both a mortgage servicing practices point of view and in terms of filing false claims on my credit report that have had serious ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 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: I do n't remember giving my authorization to this company to get a loan

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 06-09-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My house was foreclosed even after the lender submitted a Cease foreclosure request to the Court Judge. 
This has been a battle since XXXX, I have done back flips to keep my house, made payments that were sent back, tried for loan modification and denied XXXX. Then enlisted a group called XXXX who stated there was a loan modifcation completed and the lender stated to me to hold a bit until the paperwork is complete. Instead the foreclosure was done and then reversed by a Judge in XXXX. Then I paid mortgage payments to the court for one year on time every time until it was loan modified again. The loan modification arrived with the payment amount changed {$200.00} higher thatn what was agreed. Then we set up a mediation hearing that cost me {$250.00} each time. I cancelled the XXXX XXXX due to XXXX XXXX XXXX ) and I also was short of funds to pay {$250.00} again to go in complete XXXX circles and getting absolutely no where. Then here come a foreclose action again. and the the judge gave another opportunity to get the loan modified. I worked extremeley hard to get XXXX plus papers to the lender and I had a verbal pre-approval. They waited the last 2 days before the Foreclosure XXXX/XXXX/XXXX to send Cease Foreclosure and stated they would complete the loan modfication by XXXX/XXXX/XXXX, Letter can be provided. Now, supposedly since it is foreclosed and is owned by XXXX for {$85000.00}, XXXX I paid {$170000.00} XXXX I am waiting for the lender to give me word on an Investor and they will in turn place it back in my name with a loan modification. This has been going on for 3 weeks. I call every week and often XXXX per week. The 30 day window is upon me to get an order to vacate the court order which occured XXXX/XXXX/XXXX. 
Other issues include from XXXX, Breaking and Entering and Theft : changing the locks and entering my house, taking items more than once, going thru my personal dresser drawers as things were shuffled around, leaving deadbolt unlocked, leaving garage light on, cutting off my water, cutting the grass, all in an occupied house. I was living alone and had to be gone 1-2 days due to elder parents illness but when I return to my home, these things were noticed. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Student loan (Non-federal student loan) with ACS Education Services (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a private student loan from XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by ACS saying I owed them for a student loan that I opened with XXXX. I only opened XXXX loan with XXXX but both XXXX and ACS has my student loan. I talked to XXXX who informed me that my loan was transferred to XXXX whom I have been paying every month. However, ACS has defaulted my student loan in their possession and threatened to garnish my wages. XXXX has no knowledge of ACS or why they have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm making a complaint against Experian because they are reporting information that is inaccurate, incomplete and does not belong on my credit report. I am including in part, my dispute with them and I need to see the actual petition that they are using the verify this bankruptcy or it needs to be removed. XXXX states that they must have the petition in their possession to legally verify and that is the only form of legal verification. Anything else is hear-say. The court states that they do not verify with the credit bureaus which means that they have not verified this. I am getting XXXX responses from them : # XXXX this will stay on my credit report for XXXX years and # XXXX this will not be investigated. That is a violation of section XXXX and they violated XXXX by not sending my all docs in my files that they are using to verify. 

My dispute : XXXX BKPT CT CA XXXX AN XXXX There is no such court named : XXXX BKPT CT CA XXXX - all courts must be listed accurately and completely and the name of the bankruptcy court is not what you have listed! You MUST list this as a bankruptcy court with city and state and can not be abbreviated for convenience and space! 
Date : XX/XX/2010 - this filing date is not at all correct and I would like to see the actual petition that you clearly have in your hands as you have " verified '' this information each month Plaintiff : I can see that you have no plaintiff listed which means that I do n't owe anyone money and never did - a plaintiff must be listed on a public record Docket # : You have XXXX listed - send me the petition that shows this EXACT docket # - I know this to be untrue and inaccurate : there is no " XXXX '' listed in the docket # My requests are listed below : # 1 Produce the petition that you used to " verify '' this bankruptcy - the court has notified me that they do no such verifications with any of the credit bureaus # 2 Produce the petition that shows the exact information that you are reporting on the credit report that I am attaching to this letter - please do not send me a letter stating that public records stay on a credit file for XXXX years - this is not an acceptable response and is not legally variable without the physical petition ; bankruptcies can not be verified without this information # 3 Remove this inaccurate account from my credit report right away - the proof is in my letter

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