milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Multiple hard inquiries on my credit report for a XXXX account that is lowering my score. Have disputed numerous times and can not get removed. I did not authorize these multiple inquiries. I do not have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Other mortgage) with Aspen Yo LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. 

In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. 
I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. 

I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. 

As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. 
thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stuart-Lippman and Associates, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I told the debt collector that I do not own this debt and it is up to their client to prove I owe the debt. I never did business with XXXX XXXX and never had an accident with XXXX of their insureds.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I made contact with Zwicker and Associates on XXXX/XXXX/15 to discuss the XXXX XXXX bill they are handling to see what our options were. We were served with a summons in XX/XX/XXXX and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was XXXX and when I proceeded to tell him our income situation ( primary holder got laid off in XX/XX/XXXX at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do {$50.00} a month till our situation gets better. He said he can do the balance in XXXX parts over XXXX months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said " I dont know how your state works '' he kept referencing " involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said " I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a XXXX XXXX a manager, we asked him what they meant by " involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is reporting my mortgage as delinquent from the time they acquired it from XXXX XXXX XXXX in 2013. I 've paid every monthly payment via auto pay on or before the due date since I was first notified of the change in ownership. Nationstar has called since the first month and continues to call me on my home & cell numbers repeatedly asking for payment. I have spoken to them numerous times along with providing them with documentation of my XXXX Statements and printouts of their account transaction history. Each time I do this they acknowledge that the account is in good standing and should have been from the onset. However, within a few days they are calling again and then continue to report the account as delinquent. In addition, Nationstar has sent appraisers to my home on no less than XXXX occasion to appraise the home and claim that it is abandoned, even though this is our primary and only residence and is never left untended for more than a few days or week during family vacations. I personally confronted XXXX of the appraisers when they were leaving the notification and asked how they could claim the home as abandoned while we were even in the home and he stated that he was instructed to do as such. These notices are with my personal attorney. Also Nationstar has terminated my auto payment at least once, via letter stating due to multiple delinquent payments they were terminating Auto Payment. I immediately went back in and restarted in time for the monthly payment to arrive prior to the due date. However, I do think they will terminate again. Unfortunately their practices have seriously impacted my credit score, it 's currently between XXXX to XXXX with multiple 30 day lates from Nationstar. This is prohibiting me from refinancing away from Nationstar in addition to increasing my rates for other loans like Auto and preventing me from getting any new credit. I have also reached out to the CT Attorney General to request their assistance with this matter and would greatly appreciate any assistance your office can provide. Please Help! Thank You in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/XXXX ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time. 
XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Previous CFPB Dispute # 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 05/27/2015 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have received several collection calls from Medical Business Bureau ( " MBB '' ), alleging that I owe {$150.00} for medical services rendered on XX/XX/XXXX. The most recent call was on Monday, XX/XX/XXXX. According to MBB 's representative, this debt is associated for the medical services of XXXX XXXX XXXX. 

I have called the doctor 's office, but they do not have a record of services rendered. In fact, the office claims that the doctor was not with the practice in XXXX. I have requested a verification of debt from MBB, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers, nor do they care. 

MBB is, however, reporting negative information on my credit reports, which is impeding my ability to obtain credit. 

MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g. On Tuesday, XX/XX/XXXX, I faxed a dispute and requested a verification of the debt -- that letter is attached. MBB has failed to produce anything in response. But the phone calls have stopped -- perhaps because the proof does not exist. 

I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (TX).
Issue: Application, originator, mortgage broker

Complaint: Multiple, repeated calls about a reverse mortgage to my mother 's phone. Today, after witnessing XXXX dead air calls, I took over my mother 's phone when someone was on the line -- they asked for my deceased father. I told them we were not interested and that my father was deceased. Less than an hour later they AGAIN called my mother 's phone, when I reiterated that my father was deceased the man proceeded to SCREAM at me HOW WOULD WE KNOW THAT? When I asked for the address so I could formally complain, he intentionally disconnected the call. I called back, and the call was again intentionally disconnected. 

While this has by far been the worst, my poor mother has been inundated with requests at her number asking for my father. My father was against reverse mortgages and would have never signed up to be contacted, in addition to my work in the mortgage industry ( not XXXX, however ). 

I firmly believe these groups are targeting widows and widowers in an attempt to have them make these decisions under the duress of grief believing it to be the decedent 's last wish. I have caught this particular one, but plan to submit reports on others as I gather facts. The screaming at me was just so beyond the pale and indicative of the intimidation tactics of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus.  Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the   XXXX     XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they decl ined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.

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 06-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: America 's Servicing Company ( ASC ) is trying to pull another fast one on me. About the end of XXXX 2016, I received a letter from XXXX XXXX, Senior Vice President of ASC. Basically, the letter stated that my mortgage would be going to a new company called XXXX on XXXX XXXX, 2016. Which is the reason I contacted CFPB in the first place. Anyway, since the communication began between myself and XXXX XXXX, XXXX at ASC, his main concern has been for me to call the XXXX people and start sending my payments to them. XXXX XXXX is very disturbed that I will not do it. What happened to the mortgage servicing transfer process? I have not received a servicing transfer notice yet. I have no idea what the effective date of transfer is. As I said, I have not heard from XXXX. I mean, has the transfer of ownership even been recorded on public record? This not being honest with consumers, is a major problem within America 's Servicing Company. They make their own rules. Thanks so very much CFPB staff for being here for America. 
ASC is also cheating me out of my XXXX Modification Loan. The first page of the Amortization Schedule shows what I should be paying right now. Look at the mortgage statement XXXX 2016. XXXX XXXX, is trying to send me to XXXX paying {$740.00}, when it should be paying less.

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 02/18/2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was involved in a car accident that was not my fault. The at fault party insurance paid my rental car bill I am being billed for no reason the insurance company paid all fees

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Application processing delay

Complaint: I applied for a American Express Add on card. I was denied and was told due to non payment from the year XXXX. I filed a personal bankruptcy in XXXX and was discharged. After 16 years and good credit american express will not issue this add on card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX this late payment is incorrect, I always made on time payments for this account. the record shows I have a clean history with chase for the past 6 and a half years, and there is this one late payment that should be cleared from my account from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.

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 10/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I check my credit report XX/XX/XXXX I seen all these things on my report I have no knowledge of. I immediately contact Equifax - I have so many dispute case numbers that Equifax email back to me I have them all printed out. I ask Equifax to verify these accounts - Equifax will soon reach out to me by mail or I can view the status online it states these accounts have been verified and I should reach out the company itself. I being to write the company 's all certified letters and I have all my certified receipts that the letters were received. Instead of the company 's sending me verification I received statements or invoices - letters. I still have these letters and all of the letter along with statements invoices were submitted to Equifax. I disputed inquiries yet still the same thing they have been verified and I need to reach out to the company and when I reach out to the company Im directed back to the credit bureaus. I have been going through this now for a year and a half and nothing verified. XXXX XXXX sent me a letter stating the account is listed as disputed and they will forward this to the credit bureaus so I waited and waited and yet still right today that account is still there. Then Equifax removes some accounts and since then have added them back with dates open as XX/XX/XXXX. After going back and forth with Equifax for one year since XX/XX/XXXX this have left me XXXX. I wrote Equifax regarding XXXX aka XXXX I was told to contact the company I contact the company just asking for PROPER VALIDATION of the accounts and its been a year and I have not received. EQUIFAX needs to realize they have broken the rules and laws and at this time Im not seeking compensation Im asking that I wait no longer just removed now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus took my money but did n't pay my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Medical debt) with Southern Financial Systems, Inc. (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a letter fro m Southern Finance i n  XXXX  stating that I owe  XXXX  for medical bills. I sent a money order for {$50.00} in  XXXX  so I could start paying toward the balance. I received a phone a rude call today from  XXXX  at  Southern Finance,  after I would n't respond to her rude phone call she hung up, and it resulted in me talking to her boss. He stated that I had balance of over  XXXX  and I could n't pay {$50.00} but I had to pay {$100.00}. I told him that a payment arrangement was not arrange so I started paying {$50.00} per month and he said well you need to pay {$100.00}. I repeated that I will only pay {$50.00} and he stated well I will sue you in court. I have also asked them not to call me but they can contact me via letter and they continue to call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Student loan (Non-federal student loan) with MRS BPO, LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Dear Sir or Madam : This is in regards to Late payments, XXXX XXXX, FedLoan Servicing, Account # XXXX Attached are copies of documents to show that there was in fact a mistake made with my billing with the FedLoan servicing. The first document is a copy of the EFT application for direct debit. The date clearly states that on XXXX/XXXX/XXXX the EFT was put into effect. The second document states that my forbearance just ended and payment should have commenced upon the ending of my forbearance. The dates for the forbearance was XXXX XXXX, XXXX for three months. This would take care of XXXX, XXXX & XXXX payments. The third document shows a direct debit extraction reminder. The date on that is, XXXX, XXXX XXXX. My payments should have not stopped with the direct debit. These documents show that I, in fact, never missed a payment during the dates listed above. Somewhere there was a simple mistake that needs to be cleared up but seems nearly impossible. In the past, I have disputed these mistakes multiple times with all credit bureaus and FedLoan themselves. Nothing was done to fix the error. All I am asking for is a little latitude while this matter is being attended too. As you can see by my previous track record with FedLoan, I have never missed a payment prior to or after the dates stated above. I have never missed a payment on my first car loan through XXXX. I have never missed a payment on my second car loan through XXXX. My credit is in good standing. I am a responsible XXXX year old young man. I run my own small business in XXXX, Az. All I am asking for is a little help to clear this mistake up. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: My data may have been compromised as part of the Equifax data breach. I did not find this out through any notification from the company, but from word of mouth and individuals posting a link through which I could check if I had been affected.

Company response to consumer: Closed with explanation