milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.

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 12/16/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (OK).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I was granted a divorce from my ex. In the decree, it stated that she had 90 days to refinance the home in her name. It has been four years since then and now I have learned that there has n't been a payment made since XXXX of XXXX. This has greatly decreased my credit score in such a manner that I can not qualify for loans for autos or a home. The current mortgage lender handling the loan is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with U.S. BANCORP (VA).
Issue: Billing disputes

Complaint: My credit card number was compromised and unauthorized charges appeared on my statement. I informed Elan Financial Services and a new credit card was issued. All fraudulent charges except for XXXX have been removed. I contacted Elan Financial Services several times, and customer service has not yet removed the last remaining fraudulent charge of {$140.00} made on XXXX XXXX, 2016 for " XXXX. '' I am requesting CFPB assistance as unfortunately it has been nearly one month with no removal of this unauthorized charge on my Fidelity credit card issued by Elan Financial Services.

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 monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: ON XXXX/XXXX/XXXX, a complaint was filed with this agency regarding Experian Information service and its inability to verify a XXXX XXXX XXXX account on my credit report maintained by them under my social security number ( XXXX ). Experian continues to violate FCRA 611 ( 15 U.S.C. 1681I ) ( 5 )  Treatment of Inaccurate or Unverifiable Information ; I been unable for two years and an expired statue of limitations, been unable to verify a XXXX XXXX XXXX account for and FCRA section 611 ( a ) ( 7 ) Description of reinvestigation procedure. Experian continues to not provide a valid method of verification. On XXXX XXXX, XXXX, I received a copy of a credit report maintained by Experian Information Services under my social security number, with a paragraph that states, Outcome : Updated - information on this item has been updated. Please review your report for the details. Visit experian.com/status to check the status of your pending disputes at any time. Attempts to check this status fails. ( See Attachment ).

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 02-03-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My home is being sold with a closing date of XXXX/XXXX/2017. I was sent a letter dated XXXX/XXXX/2017 saying my home loan was being transferred from XXXX Mortgage to Loancare a service link company effective XXXX/XXXX/2017. 

The closing title company called the new mortgage company about 7 days before closing to inform them that they would need a payoff statement from them on XXXX/XXXX/2017. This has not happened. I have contacted Loancare multiple times and been told that it may take XXXX10 business days before they are able to provide this, I have confirmed with them that interest is compounded daily and therefore this XXXX10 day delay will be costing me money because they are not able to give me a payoff statement. 

I have spoken with several individuals, several supervisors, and XXXX manager who do n't seem to care that my home closing is on XXXX/XXXX/2017 and simply say that it is bad timing, every time someone says they will call me back I do not get a call. There MUST be a way to create a loan payoff statement so that I am not charged beyond the date that I am willing to payoff my loan, if there is not IT IS THEFT!

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 03-02-2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to 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 06-01-2017 about Student loan (Private student loan) with NELNET, INC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I write to complain about the debt collection conduct of XXXX, XXXX XXXX, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX XXXX when I XX/XX/XXXX XXXX XXXX The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called XXXX well before XX/XX/XXXXand advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. XXXX began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX XXXX and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX. XXXX began calling onXX/XX/XXXXXX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. 
The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy  rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for XXXX years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX or in XXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same XXXX name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.

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 05/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I paid off a loan 9 years ago and had XXXX negative entry attached. The last date reference this account should was XXXX2006. I have asked Bank of America to remove the information off my credit report. The mortgage was to XXXX XXXX XXXX XXXX XXXX It never went to collection was in good standing. I want nothing more to do with Bank of America and they she be held accountable for reporting this negative and will not remove it. It 's going into its approaching 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Medical) with Robinson, Reagan and Young PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. 

I had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. 

At no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. 

I attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. 

I never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. 

Please help. 

Thank you for your consideration of this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation