milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( Trans Union ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and 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 06-08-2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have made a an attempt to pay off my loan with USBank early and in full. They stated my pay off amount and I paid that in full. They then charged me an additional  XXXX  cents as well as an early payoff fee of {$75.00}  (  Statement date  XXXX  vs. Pay off over the phone on  XXXX  ). My contract with USBank clearly states that I do not have any early payoff fee. I believe this is systemic predatory charging that is being charged to all consumers that attempt to pay off a balance early. Please investigate so these big banks quit screwing our citizens. Thanks!

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I DO NOT HAVE A LOAN EVER WITH CHRYSLER CAPITAL # XXXX THIS DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Left a voice mail on my phone threating to serve papers at work, they also spoke to my supervisor, and told her they were going to serve papers XXXX at work. Then this person threatened me with criminal charges. Check fraud t be exact.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I am trying to remove my name from a home loan used by my ex wife for her business. I did not sign for this loan and have asked Bank of America to send me any document with my signature on the application process. I received XXXX documents from the bank ( 1 ) a power of attorney with my signature surrendering my interests to the house used for business as agreed upon in the divorce settlement. And ( 2 ) a loan document dated 5 days after my final divorce decree with my ex wife signing my name in reference to the aforementioned power of attorney. This power of attorney that I signed as agreed upon in the divorce stipulation simply surrenders all my claim to the property and has no stipulation for any past or future responsibility for the property. 
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report. 
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In XXXX of XXXX I was contacted by XXXX XXXX stating they were filing a lawsuit against me and that the lawsuit will be delivered to XXXX XXXX Courts if I do n't settle the debt. I was allowed to set up a payment plan if I give them an amount to pay. I settled for {$2600.00}. 

In XXXX of XXXX, I was able to pay off the settlement amount and they sent me a Release Letter stating that my account is paid in full and I am no longer liable for the debt. 

Today, XXXX XXXX, XXXX, my brother-in-law and husband received phone calls stating that the callers were " servers '' from XXXX XXXX XXXX. I called the number and they were posing as " servers '' but " transferred '' me to their litigation department to settle prior to serving my employer tomorrow. They identified themselves as XXXX XXXX XXXX. He told me the same thing, settle and send money or they file legal documents. I called back and ask for the account number of the original debt. This debt is the same debt I had already paid and settled with XXXX XXXX. I told the " Litigation Manager '' I have release letter regarding this account. He told me to email to XXXXXXXXXXXX and fax to XXXX. I emailed. However, when I tried faxing, the number he provided was an incorrect number. 

I will be filing a separate complaint against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion has failed to remove, correct or produce proof of their reporting a public record that I have proven to to be reported wrong. Month after month, I receive the same statement that these stay on for 7-10 years or that it will not be investigated anymore. I 'M PROVING TO THEM THAT THEY HAVE IT WRONG, SO HOW CAN THEY KEEP IT ON MY CREDIT FILE??? I 've included my dispute with them below, as well as the actual page from my credit report to prove their ineptitude. 

`` county clerk XXXX '' # 1 You have the filing year incorrect - this was not filed in 2012 - send me the actual documentation that states that this was filed in 2012 - this is made available to me under section 609 # 2 You have the court listed as `` county clerk '' : the court is not named `` county clerk '' and you must have the actual name of the court for this to be accurate and correct and you do not # 3 You have the reference # listed as XXXX and this is not the actual reference # for this # 4 You have the original liability amount listed as " XXXX '' which is also not correct # 5 you have no plaintiff listed

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 10/17/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Receive calls multiple times a day from XXXX, XXXX XXXX. It is as recording saying I owe money and to stay on the line. I have never owed money anywhere. This is harassment for something I do not owe. Could be a scam trying to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX 2017 I purchased a service I did not get and the service I got, I was not satisfied with. I attempted to get a refund and Capital One sided the merchant saying I had to pay for the contested charge.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Credit card) with Monarch Recovery Holdings, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is trying to collect a debt that as sent over to them from XXXX XXXX and I 'm currently disputing all charges with XXXX at this time. XXXX cotniually violates credit card rules and regulations and here is a clear example of them sending this to a debt collector when we are in the dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company is Receivables Performance Management, LLCThis company is trying to collect on XXXX cell phone bills that I do not owe. And they do not have the right to practice debt collection in Texas. I have sent them letters but they keep reporting that they have validated the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (I do not know) with Blackwater Capital Group LLC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX contacted my husband regarding a business matter and when my husband asked about the company she refused to provide any information. XXXX XXXX proceeded to contact my in-laws and try to obtain information from them but my husband was at there house and informed XXXX XXXX that she just contacted him regarding her concerns. My husband then called the number provided by XXXX XXXX XXXX XXXX and spoke with a mail customer service representative for BW Group. He informed my husband that they agency was an accounts receivable agency an account was placed with them for XXXX XXXX. The customer service representative stated that legal action was pending against me were a judgement and a wage garnishment was pending, but they wanted to speak with me about handing this account. When my husband requested information about which court the representative them stated that the legal actions was possible but had n't happen yet. My husband mentioned that he works in the legal field and begin to question the validity of the account. The customer service representative then requested which law enforcement agency my husband worked for and after it was confirmed that he worked in investigations the customer service representative then became aggressive and made some derogatory comments. He stated that my husband and mine credit reports were horrible and that we do not pay our bills. He stated that we are no responsible and needed to pay our bills. He stated that they have aggressive ways in collecting accounts and finding information on people. This phone call took place on XXXX/XXXX/2016 at XXXX. When my husband asked for the address to the company the customer service representative refused to provided it and questioned why we needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 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: Public record information inaccurate

Complaint: There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to 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 09/21/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (IL).
Issue: Closing on a mortgage

Complaint: During my home loan process, I notified the loan officer the taxes were not correct on the XXXX. I was told this would be corrected. I just received my first mortgage bill and it does not show the correct amount. The mortgage company informed me that whatever I signed at closing and what the loan officer put in is what they will go by. I offered to send them the bill and directed them to the county site. They informed me again, nothing they can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (CT).
Issue: Managing the loan or lease

Complaint: Faxed court documents over to XXXX to support my dispute advised it would take XXXX hours for documents to be uploaded in the system. Documents were faxed on XX/XX/XXXX time XXXX military time that would be XXXX eastern standard time ( note this is on the confirmation page of fax being received ). Today I called after XXXX window advised that the confirmed fax that was sent to fax # XXXX advised fax is not on file so I asked if they were behind with uploading information Supervisor " XXXX '' so no if I sent it-it would be on file today. I explained to the him I have a confirmation that the fax was received on there end but it is within XXXX hours and still not on file something is wrong so he told me to send again. The time period they gave me was inaccurate keep in mind I validated the fax number and dispute number before faxing and was told I had the correct information.

Company response to consumer: Untimely response
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXXXXXX XXXX extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on Equifax in XXXX. XXXX balance. Not XXXX. XXXX never provided an Origional mortgage document because the loan was Purchased from XXXX XXXXXXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My Equifax NO LONGER even shows my XXXX half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XXXX and XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON XXXX TO STEAL FROM ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX XXXX, a federally chartered savings bank for the amount of {$290000.00}. I defaulted on my mortgage because I could not keep up with the payments. Since I took out my mortgage in XX/XX/XXXX, it has been transferred three different times. The first one was on XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX, XXXX   XXXX. to XXXX XXXX XXXX, XXXX. The second assignment of mortgage was filed with the XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX. The third assignment of mortgage was filed with XXXX County Clerk 's office on XX/XX/XXXX. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, XXXX started a foreclosure action against me in the amount of {$270000.00} which is a {$16000.00} from the original loan amount. How is that even possible when I paid over {$100000.00} before defaulting. I have tried fixing the problem by submitting a loan modification on XX/XX/XXXX and XX/XX/XXXX getting denied both times. It seems like they do not care whether I pay them back or not, they just want me out of my home which I am working hard to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Medical) with Revenue Recovery Corporation (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midland Funding has not responded to my several disputes in a timely manner and have ignored my request for validation for those accounts 1 ) {$630.00} and 2 ) {$580.00} that are more than two years old that they are reporting to the credit bureaus. Midland has yet to provide evidence that the accounts are mines. Per their policy per their website the statement reads " Per our policy we stop credit reporting on accounts that are more than two years past the date of delinquency. ''

Company response to consumer: Closed with non-monetary relief