milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with FRANKLIN AMERICAN MORTGAGE CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Greetings, On XX/XX/2016 there was an issue with my autopay and it debited me for double my mortgage payment. This was my fault admittedly as I apparently inputted into the wrong autopay field. I called Franklin American and was told that it would be wired back to my account. This did n't happen for days. I called back a week later and was told the same thing and that it it would then be resolved. That never happened. I called again and was told that it had to now be mailed to me. I agreed to that and never received it. I called again and they said it would be overnighted and I did finally receive it several days later by regular mail on XX/XX/XXXX. Since then I 've been haggling with my bank about all the bank fees I 've received since then and was instructed it is the obligation of Franklin American to refund me those fees. 

This has been extremely frustrating and has cost me a great deal of money. I need this resolved immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In response to complaint :  XXXX  FAIR COLLECTIONS & O ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  FL  XXXX ,  XXXX , CA  XXXX  Phone :  XXXX  Fax number :  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You  have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the  Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act  ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc #   XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   XXXX    XXXX   XXXX   #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  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 07/24/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX 2014. XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: This complaint is regarding Rushmore Loan Management Services, LLC. Rushmore falsely reported my mortgage payment history to the Bankruptcy Court. Rushmore knowingly and falsely reported this information on my mortgage loan to the Bankruptcy trustee on the official Form XXXX which is a final response to cure payment. 

I 'm providing the official XXXX form completed by the Rushmore employee. Please note, I highlighted where they reported I was 3 months in default for post petition payments. As we both know, this is a very serious matter. It is fraud on the court. 

I 'm also providing the copy of payment history. The payments for those dates were n't missed as they are reported on Rushmore 's own payment history records. 

I believe that because there have been so many errors, I am a targeted individual for Rushmore Loan Management Services. I  have called and requested they fix this error but they have not. They knowingly did this. The court closed the case upon the response. I am not paying court fees when this was negligent and intentional on Rushmore 's behalf. 

I want this reported correctly to the Trustee of the Court. I also find that Rushmore assessed with fines that appropriate under the Fair Credit Act.
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Experian Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of XXXX delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Experian Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of XXXX delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Experian, but they apparently will not conduct a thorough investigation which should include contacting XXXX 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 non-monetary relief
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with MRS BPO, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am having 2 issues with a company called MRS associates. 

1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 

2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Advertising and marketing

Complaint: I have wrote to Barclay multiple times to have them remove me from their mailing list. I continuously get emails from them and have requested for them to remove me after every harassing email. I was told by the secure message center that they can not remove me from this. I do n't understand how they can not remove me. I NEVER signed up for these harassing emails in the first place so someone had to add me to this list and I want that person to remove me from the harassing emails. It is ILLEGAL to continue to send these SPAM emails to an individual after they have requested to be removed. So I will give them XXXX final chance to remove me from the mailing list. Next recourse will be to report them to the FTC and/or the state XXXX. Additionally, I will be informing my internet provider of XXXX XXXX that this company is sending out SPAM emails. And I will submit a claim and complaint every time I am sent a harassing email so that all actions are documented. 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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX I have contacted Equifax 4 times a month since XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017, XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address. I have submitted a complaint to XXXX and this was the response : Dear XXXX XXXX, we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX XXXX, Florida XXXX is currently not reporting on the Equifax credit file. Please note that for future disputes of credit report information, you may visit www.equifax.com.  Clearly there was no investigation, because every phone call had nothing to do with that address, they never too the time to review the calls or disputes!!! This is fraud, they will not even let me dispute online. Each time I call they tell me they will note the account. If there is notes on the account then they would investigate this correctly and have the correct address. There should only be one address.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I received your partial response asking for my personal information. Name  XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  CA ,  XXXX . Soc-  XXXX . I will attach a copy of my Experian Credit report in addition, a request for accurate validation such as Name, Address, and  Telephone numbe r of the person that validates the item in question.

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 09/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have had a problem with customer service at XXXX Fed Loan XXXX every single year since I moved my federal loans to them in XXXX. This in turn has cost me thousands in interest. Every time they make a mistake, " lose '' or arbitrarily double or triple my payments, I spend an hour on the phone with customer service and then they place my account in a forbearance for a few months in order to get their internal errors fixed. Additionally, I should be XXXX years into PSLF, but due to their errors many of my payments do n't count. 

My most recent issue is as follows. I applied to switch from the XXXX plan to the PAYE or REPAYE in XXXX. In XXXX I received a message from XXXXFedloan that they received my application. And I also received notification that my payment went from {$710.00} to {$2400.00} for XXXX. 

I called customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated they need a 1x payment in order to switch to REPAYE, and I informed her I could n't pay the full amount. She told me not to worry about it, and that she would put a " reduced payment forbearance '' on my account allowing me to pay a reduced payment of {$800.00}. She stated this should be taken care of before my account was due on XXXX XXXX. 

However, she only placed the " forbearance '' on 2 of the 6 loans I have ( and the smallest 2 at that ). My account is now delinquent for {$2400.00}, and I am missing another month of PSLF eligibility and will likely miss XXXX as well since they have to fix this error, and than accept a 1x/payment before switching my account. 

This company is terrible, and it is unfortunate that I have no other options since I am seeking PSLF working at a non-profit children 's hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I want to understand why credit reporting bureaus - Equifax, Transunion, Experian are allowed to charge me to place/remove hold on my credit? What law allowed them to initially collect credit information without my express consent?

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 02/17/2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I have account with US Bank and the issue or concerns I have are fees for over draft, extended fees ( check account ) and charges to XXXX of my credit cards that I have not authorized to be an over draft for my checking account. Over the past 24 months, I have paid XXXX XXXX dollars in Overdraft fees. They refused to pay my regular bills and reorder my account transaction to hide what there doing. I have request a in chronological accounting of my bank transaction and they will not provide it. For at least two year my bank deposits of XXXX dollars in that account and they missed managed every transaction. They hey items for pay for excess of 3 days or more and re-ordered when transaction to cover up and released money held pending for payment back in to the account. also, have countless over draft fees place on my credit card ending XXXX, and I did not have agreement. I spoke to a bank rep a few days about it and still not attempt was make to follow up or correct the matter either. I need so help getting the matter corrected. Its just criminal what they are doing and it cost me a significant amount of money.

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 01/29/2018 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: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 04/16/2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Closing/Cancelling account

Complaint: i closed a master card account, financed through rci barclay 's bank usa, on XXXX XXXX, XXXX the account was paid in full. i just received a billing this month for XXXX the reason i closed the account was spurious billings of this type. i just called the bank complaint number and received an unsatisfactory response. the phone call was ended pre-emptorialy without resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with WELLS FARGO & COMPANY (TN).
Issue: Delinquent account

Complaint: WFFNATLBNK is not reporting my payments to the credit Bureaus

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 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I close my account with discover bank credit card around  XXXX   XXXX .  2017  and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my  XXXX  dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending  XXXX  and I need this money cause I 'm unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on two accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing

Complaint: On XX/XX/2017, I called American Express to remove me from their mail marketing lists. This was in response to being deluged with the same offer in three different envelopes on the same day. 

I had previously called American Express awhile back regarding this very issue and was told I 'd be taken off their mailing lists, but it appears that this was n't respected. So I was forced to call again. And I now feel like I 'm being harassed, and I 'm submitting a complaint to the CFPB because I 'd like to ensure my request to be removed from Amex 's mail marketing lists is honored. 

Thank you.

Company response to consumer: Closed with non-monetary relief