milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed Transunion that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Transunion that I have sent certified mail via USPS to address on file with Transunion and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Transunion to delete item from my credit report as unverifiable, but Transunion replied Charged off as bad debt|Dispute resolved ; reported by grantor. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Transunion with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Transunion blatantly ignored my request. I asked that Transunion provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016. This creditor is intentionally trying to destroy my credit by updating false information and Transunion is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation.

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 05-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo B ank refused to review my application for mortgage modification claiming that their internal process limited a review of a request for mortgage modification to date of  XXXX   XXXX ,    2017 d uring a foreclosure proceeding with the law day set by the court was in fact  XXXX   XXXX ,  2017.       Wells Fargo Ba nk imposed this limitation without notice to me and it was the second time that  Wells Fargo Bank misled me during the foreclosure action.

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 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( XXXX ) and by them! The collections were removed by Deversified on XXXX XXXX, XXXX and was removed by ( XXXX ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
1. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowere d my my credit score cons iderably ( approximately  XXXX  poin ts ). I n the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries m y credit score is  around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.

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 06-06-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.

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 01/14/2017 about Credit card () with DISCOVER BANK (OK).
Issue: Payoff process

Complaint: I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently was turned down for credit based on Transunion not updating and deleting my XXXX Chapter XXXX bankruptcy from XX/XX/2010. I filed with my then attorney while living in XXXX, MD during my treatment for XXXX XXXX and was on unpaid medical leave thus filing for Bankruptcy. I have contacted Transunion numerous times to correct other erroneous details on my credit report and every credit reporting agency except them has taken my request seriously and rectified the situation. I belong to a financial support group and it 's ironic that all of us have the same issues with only Transunion not abiding by regulations and laws for consumers. Thank You in advance for your assistance.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: -On   XXXX   XXXX  , 2017 I paid all of my accounts with USAA in full.
-On XX/XX/XXXX  I confirmed that all of my accounts were paid off in full and found I still owed  XXXX  on my account -On  XX/XX/XXXX  I sent in a payment of {$27.00} in order to pay o

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Citi sent me two letters saying that I may of been enrolled without me consent in a Credit Protector and was charged a monthly fee. when I try to go to www.Citi.com/RefundInquiry the site jumps you all over  from tax refunds to other government refunds available. Citi has now sent me a FINAL NOTICE of filing for refund with the same web site and same results.

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 02/29/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Incorrect reporting of my status to the following credit bureau, XXXX, XXXX and XXXX. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

Bank of America XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Bank of America needs to correct my account status as Mortgage included in Bankruptcy.

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 12-10-2016 about Debt collection (Auto) with States Recovery Systems, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX was very unhelpful in my situation. I knew I was 90 days behind and still making payments. But they showed up to repossess my Impala on the basis that I was XXXX delinquent. When I looked at XXXX of my statements, I had sent them a check for {$430.00}. Instead of applying this {$430.00} to the auto loan like they have every time before, they put it into a savings account that was opened when I took out a loan with them. I 'm under the impression that they received my payment, but they put it in the wrong place, giving the illusion I was 120 days behind rather than XXXX. 
When I spoke to someone at XXXX, they said " that happens sometimes. '' So they show up at my job 45 minutes away from home to take my car. I call them, and at first the deal was to make the loan current, and I could get take the car back. 

The next day however after taking take the car, they instead tell me in order to get it back, I have to pay off the full balance of {$26000.00} within 30 days. I did n't understand how we went from {$2000.00} ton {$26000.00} in XXXX hours. And they never bothered to work with me.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, XXXX & experian. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. 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 05-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , AZ  XXXX  Acct Dear CFPB  I a m writing this letter to file complaint against  XXXX   XXXX   XXXX , They have made wrong report to my credit report. My original credit is  Citi Ba nk account  XXXX . I was behind on payment since  XXXX   XXXX . As of credit report on  XXXX / XXXX / XXXX . It was charged off and  XXXX   XXXX  recently contacted me and told me that I owed the amount of {$3500.00}. I have attached my credit report in  XXXX  and currently for your review.   In addition, they have told me that they will lien the debt that I owed to my wife house which I dont have name on it. They keep harassing me by calling me and said that.   Ther e is two rea son that I want to dispute which is first, they reported wrong to my credit report without disclosed where the original creditor and debt from with validate amount. They never sent me any letter to validate the debt and I dont receive that. Second, they can not call me by harassing that putting the lien in my wife house which I dont have name on it.   It is my personal debt and issues and I dont want they involve it to my family member. I urge that they need to remove it from my credit report since the debt original have passed statute of limitation and they have been harassed me for itself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Date : XXXX XXXX, XXXX Complaint Filed Against : XXXX XXXX XXXX XXXX Company Nature of Compliant : Fraud, Extortion for Money To whom it may concern : I intend to report a case a of fraud by XXXX XXXX XXXX XXXX XXXX XXXX In the past, I had been a member of XXXX XXXX XXXX XXXX and at one time frequently used their work-out facilities. I have recently decided to end my membership with the gym and followed the correct procedures to cancel my membership by sending a letter to the local gym XXXX with my intent to cancel in XXXX XXXX. 

Despite following the proper method for canceling my membership, XXXX XXXX, the company who handles the billing for the gym had continued to charge my credit card on file each month for {$19.00}. After I had the credit card changed for security purposes, I began receiving very suspicious calls from XXXX XXXX XXXX that claimed I still owed them a monthly bill for for a membership I had already canceled. 
Furthermore, XXXX XXXX informed that even through I had canceled my membership they were still going to charge me regardless of what actions I took on my end to inform them of the cancellation. What was most upsetting is, they let me know that I was never allowed to cancel my membership ever and if I ever attempted to challenge the debt or try to cancel my membership again they would send me to a collection agency. After this, they have repeatedly attempted to extort me for a bill which I do not owe them and have threatened me and my XXXX XXXX if I dont continue to give them money for a gym membership I have canceled already. 

XXXX XXXX has an extremely negative reputation with consumers and has literally thousands of complaints filed against them on consumer websites across the web. I have done some research into companies history and they have the lowest possible rating with the BBB and have extensive list of poor ratings and allegations of fraud on almost every consumer review site online. Based off my personal experience and the innumerable complaints against XXXX XXXX, I do not believe they are a legitimate organization and give them no credibility at all. 

In summary, I expect immediately XXXX XXXX to acknowledge my cancelled gym membership and drop all the fictional debts they have made against me. I refuse to pay any money to this group of frauds and my attorney has advised me not to engage in any contact with them. 
Thank You

Company response to consumer: Closed with explanation