milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a letter to Equifax stating that the inquiries on my credit report were not authorized, and I asked the Equifax to provide me verification that I gave permission to the companies listed on my credit report to pull my credit. Equifax mailed me a letter stating that the items will remain on my account for 2 years without providing verification that the I gave permission to the companies listed on my credit report to pull my credit. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted XXXX accounts to Equifax with my police report and notarizes affidavit and will not remove the accounts off my credit. XXXX and XXXX have removed. Equifax will not.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We have been in our home for 12 years. Never did I not want to pay our payments but could not get anyone to take our money. Sounds funny but is true .We have been working with SLS for 2 years on a loan modification that is where I fill that the scam started. To date we still are in our house with no one willing to take our payments just day to day hopping we do not lose our house. No one can give me any answers Why can I not make a payment on my house and been told to do a modification for 2 years? We been told we are to fair behind and with penalties and fees we do not qualify now sounds like a Scam to get our house, .I feel sls never was going to to anything but try and take our house. No one will listen to me yelling about it I need help something is wrong here and it is not right.I can not even get a payoff from them

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (CT).
Issue: Struggling to pay mortgage

Complaint: I was denied a loan modification the end of XXXX due to my debt being too high. I send emails onXX/XX/XXXXwith legal documents proving the inaccuracies that Selene had  calculated. During our meeting with both AttorneysXX/XX/XXXX Selene agreed to do a new calculation and push out the sale date. I sent updated pay stubs showing I make more money now and the debt they have is in accurate. As of today they have ignored me. Also no where on the document stated a deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.

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 06/30/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower of a Home Equity Line of Credit ( HELOC ) was approved for a Trial Loan Modification on XXXX XXXX, XXXX with an initial 3 month trial agreement that commenced XXXX XXXX, XXXX through XXXX XXXX, XXXX and payments of {$3300.00}. After the initial 3 month trial payments had been made by the borrower, the loan servicing company, Bank of America Home Loans told the borrower to continue making the trial payments until he received a permanent loan modification. The matter was escalated and finally on XXXX XXXX, XXXX the borrower received a package dated XXXX XXXX, XXXX with a " Home Equity Line of Credit Modification '' with instructions to sign and return the agreement by XXXX XXXX, XXXX. Upon calling the Bank of America representative on XXXX XXXX, XXXX to ask for an explanation of the terms of the agreement and to request how the " Trial Loan Modification '' payments from XXXX XXXX through XXXX XXXX would be applied. The Bank of America representative scheduled a follow up call on XXXX XXXX, XXXX and stated that there were mistakes with the calculations of the Home Equity Line of Credit Modification and that a new contract would have to be created, thus the borrower should not sign the agreement. The next call was scheduled for XXXX XXXX, XXXX as Bank of America would have some more details or a new contract. The call on or around XXXX XXXX, XXXX, simply said that no modification would be granted because the borrower never signed the original agreement. The borrower received a letter stating that the loan modification was denied. This letter was received on XXXX XXXX, XXXX but dated 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 explanation
Consumer complaint received 08/28/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is regarding Discover Payment Protection Plan. <P/>It turned out I was enrolled in the plan for years ( since XXXX ) and paid thousands of dollars in fees. I 've been making automatic minimum required payments for the maxed out card without realizing that approximately {$160.00} each month goes for the service I did not request. I called Discover about it, they cancelled the service and refunded 6 months worth of payments. However this does not come close to the amount I paid over the years. <P/>Attached are two statements - one dated XX/XX/XXXX and the other one XX/XX/XXXX. I was charged almost {$5000.00} just during this period. <P/>I understand I am not the only one who was taken for the ride by Discover. XXXX XXXX XXXX I 've been paying high interest rate for my card balance for many years now, charging another $ XXXXmonth on top of that is just not right. Please help me recover the money. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with I.C. System, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a collection on my report that does n't belong. I called them to let them know that I paid that collection off with another agency. I have a letter from the company that I paid off.

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 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed incorrect information that XXXX and XXXX reported to my Experian credit file. Experian removed the incorrect information. I just checked my Experian credit file today and noticed that the items have been re-inserted. According to the Fair Credit Reporting Act, Experian should have notified me within 5 days of the re-insertion. I did not receive such notification, and the item should be removed.

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 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.

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 04-07-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted a previous case XXXX for reference. CommonWealth Financial Systems report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. CFS then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XX/XX/XXXX, received XX/XX/XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX. Since CFS refused to verify the debt, I contacted XXXX by phone and spoke to representative XXXX today, XX/XX/2017. She could not verify the account numbers provided from CFS 's notice, nor look up any outstanding debt based on my name or Social Security number. 

Commonwealth Financial Systems has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided. 

If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Federal student loan) with GC Services Limited Partnership (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My students loans went into GC services as they defaulted while I made to little money to pay them and the private bank ones and my cost of living. I have changed my profession and working 7 days a week and for a year now been having it with GC Services. They wanted a payment plan I am paying them to the US National Payment Center for Dept of Educaiton. I never get a receipt, or any communications of any kind. I had to send in over a dozen email and letters to ask for Rehabilitation Processing and payment plan was set at {$170.00} a month based on my income reported and documented. 

I have been paying it always on time, even ahead and over the amount working lots of over time to make all due effect on this. I have NO communication of any kind. I get a letter from the US Dept of Education that they are charging a XXXX % commission on payments. So between their commission and then the interest on the amount now raised $ XXXX to $ XXXX on a $ XXXX original loan balance I am looking at not a cent is going to principle. 

I am trying to get out of default. I am asking both GC Services in emails, written letters in the mail and the US DOE the same and calls and told GC has all the cards here. Well in less then 90 days I am the 9 months of paying per the Rehabilation process. I have NO information of what are my duties, needs to do here, options, rights? Reciepts, what are my tax deduction for filing in 2015 on this in the XXXX digits. No idea if I am getting my tax refund this year or is GC going to seize that before Rehabiliation 9 months ends. 

What do I owe once that process is out of default? 
What do I need to do when to get out of default with less then 90 days left till kept payemnts to the agreement and then some? 
Who then owns my payment and the regulations? 
Do I still owe XXXX % commissions to GC then or are these dropped? 

I want to know where I stand on my 2015 tax return. 
Want to know what forms I need to file my taxes with the interest deductions they are I am assuming required to provide and when by? 

Having some written information from GC Services on these matters would help me understand my rights, process and how to end being in default when I have meet the agreement. 

Do I have fees after I am out of default or just the interest as the original loans were taken out as the additional to the principle?

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called LendUp and explained that my account is still open but being reported as closed on my credit report. I was asked to take a pic of the account showing its closed. I took one picture because its been reported to all credit reporting agency. They told me it would be a couple days and should be resolved and it still remains on my credit report dropping my scores because its listed as closed. They reported it closed because there was a .89 transaction made on the account last month that was not by me. So instead of calling, emailing, texting or evening faxing they decided to report my account as closed. The first time I called about the problem their attitude was terrible and they transferred me to the fraud department. They put me on hold and then hung up the phone and never called back. The fraud department operator was very rude and nasty to me. Terrible customer service and the company communication is the worst I have ever experience or seen in my life. LendUp could care less what it did to my credit report they just keep claiming it will be fixed. After 4 phone calls to the company its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I faxed the attached letter, dated XXXX XXXX, XXXX, to XXXX XXXX XXXX, Loan Specialist, America 's Servicing Company, LLC, ( " ASC '' ), which is the servicer for Wells Fargo Bank, N.A., which is the agent for the lender XXXX XXXX. XXXX XXXX XXXX is the Home Preservation Specialist assigned by ASC to correspond with me regarding my loan modification application, dated XXXX XXXX, XXXX, copy attached. My XXXX XXXX, XXXX letter states my proposal for a reasonable loan modification, based on a {$400000.00} principal amount, a 30 year term, and a 5 % fixed annual interest rate, which is above the current market rates. Wells Fargo Bank , N.A . had obtained the Appraisal, copy attached, of the collateral real property XXXX XXXX XXXX, XXXX, MD XXXX, as of XXXX XXXX XXXX, which Appraisal determined the market value of the property to be {$380000.00} as of XXXX XXXX, XXXX. In my Chapter XXXX Bankruptcy Case No. XXXX, the attorneys for Wells Fargo Bank , N.A . signed a Consent Order, dated XXXX XXXX, XXXX, copy attached, which Consent Order stated the same terms of the modified mortgage which terms are stated in my XXXX XXXX, XXXX letter. ASC has not accepted my XXXX XXXX, XXXX proposal for a loan modification, which proposal is a reasonable proposal, which was accepted by Wells Fargo Bank , N.A . on XXXX XXXX, XXXX, which proposal agrees to modify the loan at the higher principal amount of {$400000.00}, which is {$20000.00} above the most recent Appraisal amount of {$380000.00} obtained by Wells Fargo Bank , N.A . as of XXXX XXXX, XXXX. I would like ASC to manifest its good faith by accepting my reasonable proposal.

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 11-06-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took approximately {$50000.00} in a combination of Federal and private student loans from XX/XX/XXXX to XX/XX/XXXX for XXXX separate stints in school. These were consolidated by XXXX XXXX and transferred to the XXXX. The XXXX transferred the loans to Trans World Systems. Since the transfer to Trans World the balance has ballooned to over {$92000.00} and no settlement will be considered. Upon contacting Trans World I receive lie after lie and misinformation after misinformation. I was originally told that the loan would be available for negotiation and settlement in 90 days, then told that it would be 6 months. Upon calling them today I was told that there was no negotiation and that they were shopping for someone else to buy the loan and they they had no idea if they would be open to a settlement. Exactly the opposite of what they said both 6 months and 90 days ago. No one could provide an APR or repayment terms. Trans World Systems is nothing but a band of liars and cheats who use unfair and illegal collection practices to dupe the unknowing into trusting their word.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (I do not know) with Berlin-Wheeler, Inc. (Kansas) (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number ( XXXX ) XXXX has been calling me every day and when I answer the line is silent then they hang up. I blocked the number and now it goes straight to voicemail every day and they leave no message. they also called me from ( XXXX ) XXXX. I guess the company is called berlin-wheeler inc. I owe no debt but these people just keep trying to call relentlessly and are silent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The interest rate is 7.5 percent, which is so high I 'll never pay this loan off.

Company response to consumer: Closed with explanation