milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with AFNI INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (I do not know) with GC Services Limited Partnership (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company calling themselves GC Services is calling my telephone number XXXX attempting to collect a debt that does not belong to me. I have told them before to not call my number, but they wait a few months and resume their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: The ba nk ( wells Fargo ) was late on reporting my income and sending   XXXX   reports to   XXXX   XXXX   so I could n't get a cash advance.

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 05/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I am having a very difficult time dealing with my mortgage company, Ocwen Loan Servicing, after securing a modification that has encountered hurdle after hurdle. It appears that they have lost or misplaced many of the payments made to them. And even though they say that they are 'attempting ' to assist, Ocwen is known for their roughshod, rush to judgement, tactics. I have a very difficult, almost impossible time, trying to contacting them and attempting to work out anything that helps with the situation. 
I am physically XXXX on a extremely limited budget without the income arising from my residence. I need the CFPB 's assistance to impose surveillance and operational sanctions on Ocwen 's Ombudsman, regulatory and decision making processes that may very will result in a foreclosure and related type actions on us. We have been working on this for almost a year and as soon as XXXX issue is solved, another one comes to take its place. It is not only frustrating but most of all counter productive to preventing adverse actions and losing the home. We are not in formal foreclosure as of this day ; but that could change tomorrow without warning or problem on their part. If legal means are important, than we would like to have assistance in this area. Speed is of the essence. 
If possible, I would like someone to call me and assist in outlying a plan for success. I have many documents that can be sent to assist in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I obtained a copy of my credit reports and discovered an account under Monterey Collections pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within XXXX days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]  Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is in regard to CFPB Complaint # XXXX. I have received several missed calls from XXXX with Bank of America Regulatory Complaints Department, but unfortunately I was not at liberty to answer calls during work. I promptly returned her call and then again 10 times  later last week but was forwarded directly to her voicemail each time I called. Please advise XXXX to : a ) Send me an email at XXXX to schedule the best time to speak ; or, if a ) is not an option : b ) Call me between the hours of XXXX XXXX  and XXXX XXXX Eastern Standard Time ( the earlier the better ). If she misses me, attempt to redial in around 15 minutes and I'll do my best to answer the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with  XXXX  for  XXXX . In  XXXX  we were approved for a HELOC with  XXXX  for approximately  XXXX . In  XXXX  I became unemployed. I was out of work for 3 years. We reached out to   XXXX   many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to   XXXX   many times for help they were unable to assist us.   XXXX   sold our mortgage to Seterus inc in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years.   We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the 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 01/25/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Student loan (Federal student loan servicing) with JPMORGAN CHASE & CO. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a Federal FFEL consolidation loan which consolidated loans from XXXX and XXXX XXXX in the total original principal amount of approximately {$85000.00}, however, JP Morgan Chase paid off the loans in the total amount of {$120000.00}, which is a difference of {$43000.00}. Neither my student loan servicer, XXXX XXXX, nor JP Morgan Chase can give me ANY evidence of why this happened, nor can they give me a complete and total line item accounting from the inception of the loans to now. My loan has become more than DOUBLE of the original principal amount which means I am paying twice for my education!!!! And my loan balance does n't budge, which is the subject of my complaint against XXXX under Complaint # XXXX ( XXXX has already reached out and are " trying '' to get me what I have asked for for years, and also admitted that they have made a mistake in calculating the principal balance and therefore improper interest has accrued over the the past 7 years!!!!! ). I would like JP Morgan to give me the original promissory note and ALL loan documentation, evidence of the payoff to XXXX XXXX and XXXX, and evidence of the reason for the disparity in the payoff amount. JP Morgan also refuses to remove delinquency notes from my credit reports which I have been disputing for years and I was NEVER DELINQUENT!!! This is preventing me from qualifying for a home mortgage and for even getting out of my student debt, which will be impossible if these banks do n't rectify their illegal inappropriate compounding of interest. They ca n't even give me an amortization schedule!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Collection Bureau of America Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated calls from the number XXXX and XXXX. No voice mail left. When attempting to call back, automated response of " we can not transfer this call at this time. please call back at another time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with Professional Recovery Consultants, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated phone calls from XXXX regarding debt collection. I have no debts in collections. I have a car loan that is ten months ahead, a credit card that is paid off in full every month and all of my medical bills are paid off completely. I do not have any active collections accounts in my credit report. I XXXX the number and it comes back as Professional Recovery Consultants. I have had no written notice from anybody about any kind of debt that I have in collections and believe this to be a scam operation.

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 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my GAP insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however Experian and XXXX believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me to go XXXX and hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Credit reporting () with Pinnacle Credit Services, LLC (ME).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Law in the State of Maine States a collection company can not report info or contact me without a collection license in the State of Maine???

Company response to consumer: Closed
Consumer complaint received 02/15/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I consolidated my XXXX XXXX XXXX and XXXX XXXX XXXX student loans into FFEL Consolidated loans. In XX/XX/XXXX, the College Cost Reduction and Access Act of XXXX was passed. I contacted my loan servicer in XX/XX/XXXX/XX/XX/XXXX concerning this program and what needed to be done. I was told I was eligible because my original loans were XXXX XXXX. I waited based upon this information. I checked on line in XX/XX/XXXX and everything seemed fine. I applied to XXXX for Public Service Loan Forgiveness as I had made 120 payments since XX/XX/XXXX and had worked in public service for 10 years. I was denied because my loan didnt qualify, the first time I was told this. They told me I had to consolidate into a Direct Consolidation and wait another 10 years. My current loan would be paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX year old single, XXXX woman who applied for mortgage refinacing under the HARP program from Wells Fargo. My story could be a best seller relating to all the wrongs Wells Fargo, XXXX, XXXX XXXX XXXX and XXXX XXXX do to their customers. 
Because my story is a long one full of descreprencies and discrimination aagainst me, here is my present situation. 
Wells Fargo REFUSED to both lower my interest rate which is presently at 5.6 % or lower my payment. However, they did decide to lengthen my conventional loan of 30 years to 45 years..thus lowering my payment from {$1500.00} to {$1400.00}. I would never be able to pay this loan off, but this was their best and only offer of assistance. 
I need help refinancing which is why I applied in the first place. I lost all of my money in the stock market due to fraudulant activities of the companies executives..but until it is resolved in the court system, my only income in from Social Security XXXX and a small annuity adding up to {$1600.00} per month. 
As you can see my situation is both desperate and immediate and I feel that WF is just waiting for me to miss a payment ... which will be next month if I do not get help ... .so they can foreclose on me. 
My home is up for sale but so far no takers. 
I truley and justly feel that I have been discriminated against. 
Please, I want to keep my home. I need for WF to do what the HARP program promised they would do ... lower my payment. 
Because I feel I have a just case against them, I want them to grant me a large reduction in my payment ... a reduction of {$500.00}. 
This would help me to keep my home, which is the sole purpose of the HARP program. 
I could go on to give you a list of all the wrongs that these companies have done to me in the past 10 years. It is time for them to stop and undo the damage. 
Thank you for your assistance with this most urgent problem. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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  2017   I SE NT IN A CERTIFIED LETTER DISOUTING   XXXX   XXXX   XXXX   XXXX    COLLECTION ON MY CREDIT REPORT, THE WEEK BEFORE I HAD SENT A CERTIFIED LETTER DISPUTING OTHER ACCOUNTS. I HAD PULLED A COPY OF MY TRANSUNION CREDIT REPORT PRIOR TO SENDING IN THE DISPUTE. SO I CALLED IN TODAY ON   XXXX   XXXX  2017   B ECAUSE I HAD NOT HEARD ANYTHING FROM TRANSUNION NOR HAVE I RECEIVED A RESPONSE FROM  XXXX   XXXX  WHEN I REQUESTED VERIFICATION AND I WAS TOLD BY A TRANSITION REP  XXXX  THAT  XXXX   XXXX  WAS NOT ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE AND THAT MY CREDIT REPORT WAS SUPPRESSED WHEN TH E   1ST DISPUTE LETTER WAS SENT. THE STATEME NT ABOUT  XXXX   XXXX   XXXX  NOT BEING ON MY CREDIT REPORT WHEN I SENT IN THE DISPUTE WAS A TOTAL LIE, I RECEIVED NOTIFICATION FROM   XXXX    XXXX  AND I HAD PULLED MY CREDIT REPORT SO IT WAS THERE, IT WAS JUST NOT MADE UP AND SHE STATED THAT SHE COULD DISPUTE IT FOR ME NOW ON     XXXX  2017   MEANWHILE SHE DID STATE THAT SHE SEE THE DISPUTE THAT I SENT IN ON     XX/XX/XXXX /2017 B UT REFUSED TO DELETE THE ITEMS OFF MY CREDIT REPORT, TRANSITION DROPPED THE BALL NOT ME, THERE WERE   XXXX   ACCOUNTS ON THERE FROM  XXXX   XXXX  AND I GAVE THEM ENOUGH TIME TO VERIFY THE ACCOUNTS BUT THEY HAVE NOT DONE ANYTHING.

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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. XXXX would not give me an option to dispute the inquiries but I did lock my credit report. With Trans Union also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.

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 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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