milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was told I would need to pay my loan on XXXX although the date due was a XXXX. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. SLS is the debt collector for XXXX who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD on XXXX XXXX for a Home Keeper grant. While visiting my only surviving relative, SLS mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} byXX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XXXX XXXX would be a deadline date in this country, but I called SLS that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned SLS Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up on XXXX XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XXXX XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.

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 12-06-2016 about Debt collection (Credit card) with Miller, Stark, Klein and Associates (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call at work in regards to a debt from XXXX years ago. I have no knowledge of this debt and asked for validation. They stated they would email me validation which I did not accept, I wanted something via paper mail. They stated they did not have to mail me anything. I stated I did not want them calling my place of employment in which I was told that they did not have to honor that request but according to the Fair Debt Collection Practices Act ( FDCPA ) they should. I gave them my correct address and phone number so I could have any correspondence they have sent be received by me since there has been nothing to date. I spoke to a XXXX, who left me the first voicemail on XX/XX/2016 but he denied it was him on the voicemail, he stated he was a supervisor and did not make outbound calls but the voice on the message was his ( I have it saved for my records XXXX. I also spoke to a XXXX and both individuals gave me different total balances owed. So with that being said I told them I would dispute this since this was not my debt. I was told my balance owed would then triple if disputed it and I would receive paperwork " soon '' and would have to make an appearance before the end of the month or early XXXX XXXX XXXX XXXX stated that he was going to have XXXX XXXX '' speak to me to set up my court date via phone ( which is unheard of ) so I waited to speak to XXXX XXXX '' and no one has called to set said date up. XXXX gave me other information stating I would receive a letter either to my job or home address. So at this point I am waiting for these documents and any proof to dispute a debt that is n't mine. They were trying to use scare tactics to coerce me into agreeing to a settlement and saying that I would be taken to court under " fraud and theft '' because I told them I wanted to dispute this illegitimate debt. I have NEVER in my life heard of the practices this company tried to impose on me and am going to await the documents that should be forthcoming in regards to this erroneous allegation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I began disputing an incorrectly reported item on my credit report with TransUnion an XXXX/XXXX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XXXX/XXXX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XXXX. They sent me another credit report on XXXX stating the item was validated, updated as such and remains on my credit report. On XXXX I called TransUnion and spoke with a man named XXXX. I asked him what documentation does TransUnion possess to prove that this is indeed my debt? He responded by telling me we do not have anything nor are we required to maintain any documentation.? I told him that TransUnion is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. He told me there is nothing he can do for me except file another dispute. TransUnion has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX  is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account  condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.

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 10/17/2017 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: I became aware of a tax lien filed against me, Instrument Number XXXX, through a routine check of my credit report. After researching the issue, I determined that the State of Alabama erroneously believed that I was a citizen of the state during the XX/XX/XXXX tax year and therefore owed state taxes. I provided information to the Alabama Department of Revenue Office of Taxpayer Advocacy that resulted in Taxpayer Assistance Order # XXXX, which concluded that I did not live nor earn income in the state of Alabama during the XX/XX/XXXX tax year. Therefore, the final assessment on XX/XX/XXXX has been rescinded. Additionally, the State Department of Revenue recorded Instrument Number XXXX Release of Lien for Taxes. 

My credit was significantly degraded due to the erroneous tax lien, and I submitted the Taxpayer Assistance Order and Instrument Number XXXX, referenced above, to the various credit agencies to dispute the derogatory public record on my credit. Much to my chagrin, the credit agencies ignored the plain language in the Taxpayer Assistance Order I submitted and cited the existence of the original erroneous lien recorded in Instrument Number XXXX to find that a derogatory public record continued to exist on my credit. 

I again contacted the Alabama Department of Revenue and they sent a letter to the credit agencies requesting that reference to any tax lien be removed from my credit report. That was partially successful ; however, the credit reporting agency, Equifax, seems to be transfixed on the erroneous lien, and as long as a search turns up the instrument, no matter what logical argument is presented as to the validity of that instrument, my credit continues to be effected. 

I have filed three disputes with Equifax asking them to acknowledge that the State of Alabama explicitly directed them to no longer publish derogatory information pertaining to the erroneous lien. Equifax, however, continues to cite to the public record despite the obvious fact that it was a complete error on the State 's part. I am at a loss as of what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled a copy of my credit report and noticed that there was a collection reporting with XXXX XXXX. I did dispute the account with the credit reporting agencies because the account is not mine. I have never had XXXX service my entire life so I do n't know how they reported the false information. The three bureaus did remove the account. I thought it was said and done. Then I received another credit report and now Convergent Outsourcing is reporting the same exact account with a new open date. This is absolutely maddening. If they would use my social security number and birth date the would see it 's not mine. They are only going by my name which is common. I am very upset because I pay my bills on time and now because of their error it 's affecting my ability to make a financial move.

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 01/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As a mother, I decided to make a positive change in my life and go to college so I could get away from government assistance and build a better future for my children. I started college XX/XX/XXXX and went to school at night. I graduated from my XXXX XX/XX/XXXX and decided to keep going and went to XXXX XXXX. I graduated from XXXX XXXX XX/XX/XXXX but could not find any employment until XX/XX/XXXX. My student loans were serviced by XXXX and had been in deferment since XXXX. Due to moving multiple times, I was unaware that my student loans had come out of deferment after I graduated. By the time I found out, my student loans were 150 days late. I had XXXX different student loans all being serviced by the same provider at the time. My student loans were not consolidated. Therefore, I suddenly had XXXX negative reports on my credit. I contacted Fedloan immediately and explained that I did not have employment sufficient to pay the loans at that time and that I had not received notification that they were out of deferment. Fedloan agreed to put the loans into forbearance and BACKDATE the forbearance so it would be as if the loans never came out of deferment. Fedloan backdated the forbearance to show that the account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have had no issues since. Now, for the first time in my life, I am ready to buy a home. I have been turned down now by XXXX different banks for a mortgage because my credit report shows XXXX different accounts reporting that I was 150 days late XX/XX/XXXX - XX/XX/XXXX. I have sent XXXX proof that the forbearance was accepted and that my loan was considered in forbearance during the time period that my credit report is saying I was 150 days late. I have disputed this twice and they refuse to remove it from my report. After all of my hard work to make a better life for myself and my family, I am unable to purchase a home because of these negative reports. Why would Fedloan backdate my forbearance to show the loan as never late unless they wanted it to reflect as never late. I have provided proof of this forbearance and yet Fedloan and XXXX refuse to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: We have submitted XXXX complaints in the last 4 months regarding Wells Fargo 's incompetence with our Home Mortgage loan. We have requested loan modifications which continued to be denied without a thorough review. We have appealed and requested upper management to address all of our concerns yet we receive very little response with the inaccuracies not corrected. Prior complaint # XXXX Wells Fargo advised in the Rental Income section that the income was added correctly and the negative income was included in the monthly rental debt, however they did not show a breakdown of the rental debt where the negative income was included. Also, in the Re-entry Review Denial response Wells Fargo advises that there has n't been a large enough change to consider a new review, yet when we have contacted Wells Fargo to request a new review because we have raised rents last year which has increased our annual income by {$200000.00}, their response was that we do n't qualify for a new review - why not? Lastly, because we have continually been denied for modification due to Wells Fargo 's incompetence we have been forced to Short Sale our home to try and avoid foreclosure. We, along with our realtor and title company have requested updated payoffs in the last month however we have yet to receive this information. Our last payoff letter from Wells Fargo dated XX/XX/2016 is $ XXXX. Our home is currently listed for sale for $ XXXX. We had an offer for $ XXXX and on XX/XX/XXXX Wells Fargo countered at $ XXXX which is $ XXXX more than the listing and what we owe. Wells Fargo 's short sale department advised that a new BPO was completed on XX/XX/2016 and the value of the home is $ XXXX. We have just received a copy of the BPO and again the figures are incorrect. At the time of XXXX XXXX our home was listed for $ XXXX. The BPO shows that our home is XXXX sq ft ( our home is XXXX sq ft ), it only shows XXXX tax lot # XXXX ( missing # XXXX ), and it shows the sale price at {$150.00} per s/f. If the BPO was done correctly, our home @ XXXX sf x {$150.00} sf = {$750000.00}, plus the missing tax lot = {$210000.00}, our home 's value would be {$970000.00} which would be completely inaccurate. We have attachments to prove our case.

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 08/19/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

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 04-06-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I recently had a few ( three to be exact ) medical collection accounts across all XXXX credit bureaus. After contacting the medical services and they adjusted the bills and showed me what I owed the information was already with the collection agencies, I proceeded to pay them off one at a time in full and according to the medical debt relief act and changes with Equifax, XXXX and XXXX any MEDICAL debt that gets paid by the consumer or by the insurance company gets removed immediately after the item is paid. Well only one Bureau was aware of this rule change and took off all of the collection items that were paid. Equifax has flat out refused to budge on this and stated that it would stay on my account for seven years! I tried to explain to the representative of the law changes and that Equifax was one of the companies that agreed to take off paid medical debt but they still would not budge. If removing paid medical bills from a consumers credit report is something that this company agreed to do going forward NATIONWIDE why am I having to fight to get this done. I 've attached a copy of the dispute results for XXXX and XXXX, XXXX shows unpaid but its now paid and I contacted them as well and they stated " No they would not send something to Equifax for the removal of this item ''

Company response to consumer: Closed with explanation