milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with United Collection Bureau, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent the notice of Lien Withdrawal to all XXXX credit bureaus. XXXX and XXXX promptly removed the public report promptly. Transunion mailed me a letter that stated that the item was verified and would not be removed. I then sent another request and recieved the same response. I would like the credit bureau to report accurate information and remove this vacated lien.

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. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX conducted an unauthorized credit check which was discovered and retracted from XXXX credit agencies. However it is still appearing on my Experian credit report. 

I am a student studying abroad. I am unable to send/receive US mail presently, and the Experian website is not allowing me to file an electronic dispute, perhaps because I am using a computer abroad? It 's unclear why I am unable to access the dispute form through the Experian website on my computer, which continues to generate a security error. 

Because there is no fax, telephone, or email method for filing the dispute I am at present unable to follow-up with Experian for the correction to my credit history. Please inform how this can be corrected because I am unable to proceed with information that Experian has provided on the website or by telephone contacts. 

Thank you in advance for your help. 

Sincerely, 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 06-10-2017 about Debt collection (Mortgage debt) with Cohn, Goldberg & Deutsch, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This Attorney and  XXXX   XXXX  have violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has gone unanswered. I am exercising my rights under th e " Fair Debt Collections Practices Act '' a s  codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided .  <P/> This law firm and  XXXX   XXXX   XXXX  are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/> I have requested the following  : 1. Copy of  the original alleged note accompanied by an AFFIDAVIT from the alleged Lend er 2. Ide ntify to what the alleged debt pertains.    3.  Provide details how the alleged debt was calculated.   4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act  ) 5. P rovide copies of any papers that show that I agreed to pay the alleged debt.   6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and  Servicing Agreement t o the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody bu t the Depositor ( Settler ) can transf er property to the trust.    7.  Provide the agreement between the creditor and your firm which authorizes you to collect funds  (  without a contract, your firm has no right to foreclose ).    8.  Provide evidence that you are licensed to collect in my state.    9. Provide your license numbers and the Alleged Lender 's Registered Agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Deposits and withdrawals

Complaint: Social security profile was hacked and new bank account for direct deposit for wells fargo on XX/XX/2016 payment went into which is not my bank or account wells fargo refuses to return money back so i can get my payment to correct bank account

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

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 01/28/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX agreed to remove tradeline if I paid a large lump sum instead of via a payment plan. I paid and the tradeline was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with ProCollect, Inc (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX i found out that pro-collect had reported information that was not mine to the three credit beauers. I contacted the company and gave the account number that was listed on the credit report and the last of my 4 of social security number. The represenative stated to me that i have no account there and i said send me a letter and removed it from my credit report. The amount for both accounts were totaling over 6,000 dollars. The representative XXXX XXXX XXXX stated i will mail you a letter and you should receive it in 5-7 days. On XX/XX/XXXX when i didnt receive the letter i called back and the supervisors. XXXX XXXX stated this is your account and i said i have proof that was mailed to me by your company which is n't my information on the lease application that they had mailed me. She stated i must send her a lease of were i have being living for past 3 years and i told her i been living with my parents and dont have a lease and she said well there nothing i can do to help you but for you to pay this debt off.She was very rude starting saying this is your account and unless you send me a lease in which i can verify this account belongs to you despite the incorrect social security number and other pertinent information. I told her i was n't going to pay for account and she said ma ' you will because you are using 2 social security number and when i told i do n't she hung the phone up. I have disputed with the credit bearurs and sent the information to them that was sent to me by pro-collect and they said its nothing can be done even though it does n't ' have my social security number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I consolidated my XXXX Loans with Fedloan Servicing on XXXX of XXXX. The reason behind this was to work toward the XXXX XXXX XXXX. As of XXXX of XXXX, they stated I had only made XXXX payments toward my XXXX payments, where as I believe that should read XXXX payments. I have never been late nor missed a payment. I called and they stated that I was not paying enough, they are the ones who set up the payment plan. I asked to speak to a supervisor, I was told they would have the supervisor phone me back ; I never received a call back. I then sent a letter, XXXX of XXXX and did not receive a response back. 

The other requirement is that you must work for XXXX consecutive years at a low income school, I have been at the same school for 18 years, which qualifies as a low income school. I am also a " highly qualified '' full-time mathematics teacher in a secondary school. 

I believe I have fulfilled my end of the bargain and my loan should be on its way to be forgiven in XXXX of XXXX, where as they state XXXX. 

I appreciate your time and help regarding this matter. I believe I have covered everything but if I left something out please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Medical) with Advance Bureau of Collections (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX accounts are ten years old but the collection agency is re aging my accounts as if they have just been reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with State Collection Service, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted twice by State Collection Service about two accounts that were outstanding. For one they wanted to talk to my XXXX yr old daughter about the debt as they had put it into her name instead of myself ( her mother ) or her father. Second when I tried to get more information on them they said to take it up with XXXX XXXX about the bill. I had contacted XXXX XXXX and they have NO bill for us. When I went onto State Collection Online to see about these accounts to pay if it is there, even their site states they have no account for us. This is an amount for only {$31.00} but I have no paperwork nor anything from this company about these accounts. I have tried to talk to XXXX XXXX XXXX about getting more information but they refuse to talk to me as I am not my daughter. I 'm not going to put my XXXX yr old daughter on the phone to talk to someone about this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, XXXX and Equifax suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Trouble during payment process

Complaint: Bayview Loan Servicing , LLC ATTN : Customer Service Department  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX  , FL  XXXX  They consistently misapply or do not apply payments. We pay more than what is due and they put the extra in unapplied funds. We are years ahead on our mortgage and they send statements saying we owe  two or three  months. I have called and was told it is not a problem as the website has the correct amount.   Today I called and their automated system asked me to pay as I owed for  XXXX  which was already paid and applied. I had received a statement showing they got the payment and now today another statement showing they got the payment and I owe two months. Last week I got a statement that I owed three months and  XXXX  's money was received.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection account that i've been disputing with the credit bureaus and the debt collector for several months. XXXX and XXXX removed the account from my credit file awhile back but XXXX has refused to show me valid proof that this is my collection. The Collection agency has not provided me with anything also but they keep reporting this account on my credit file. It shows it was opened on XX/XX/2012

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 11/14/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am involved in a court case involving child custody, and based upon the court hearing, there is some indication that Sallie Mae may have released my confidential loan information to parties that are not listed on the loan. I have read their confidentiality policy, and what information they release and which parties they are authorized to release it to and I know for a fact that I did not authorize a release of the information to any of the parties that were in the hearing and I know that none of them are the listed parties that Sallie Mae can release my loan information to. 

Additionally, there is some indication that the parties involved in the law suit ( which are not involved in the loan ) made a fraud allegation in regards to my loan that are unsupported so now the loan is in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX Mortgage XXXX XXXX, was my mortgage company. They sold my mortgage to another company. The company was the servicer of the mortgage for almost 4 years. XXXX XXXX had the mortgage. The transfer of the mortgage was never recorded in XXXX XXXX records. Then, in XXXX Aurora loan services recorded an assignment of mortgage from XXXX XXXX Mortgage XXXX, XXXX to XXXX. The assignment was supposedly executed in XXXX and the XXXX companies involved did not have the mortgage. The documents were never recorded in XXXX XXXX records until another mortgage company by the name of Aurora loan services bought the mortgage. Since it is supposed to be recorded in XXXX XXXX records within a certain amount of time in relation to the closing date, I feel these companies have acted fraudulently. The assignment of mortgage was allegedly signed on XXXX/XXXX/XXXX by XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX. The assignment was not recorded in XXXX XXXX records of XXXX until XXXX/XXXX/XXXX. Where did this document sit for all that time? This document supposedly sat in limbo and then mysteriously appeared in XXXX, when Aurora loan services bought the loan. I feel there has been fraudulent activity and do not feel that the assignment of mortgage that was recorded is valid or legal. I would also like to add that XXXX XXXX Mortgage XXXX, XXXX and XXXX XXXX XXXX, XXXX are XXXX separate entities. So XXXX XXXX XXXX, XXXX would not have had the legal authority to assign my mortgage to XXXX and why would the recorded document be returned to Aurora Loan Services and not 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 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.

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 11-10-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: On XXXX XXXX my home was damaged by water due to a leak in the hot water heater. The insurance company came out and did their estimate and paid the claim. Wells Fargo is refusing to endorse the last payment of {$2600.00} for me to finish the work on the house. Stating they need a inspection done on the house. This has Taken over 2 months to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX a direct deposit of {$200.00} was made into my account within minutes of the deposit my account was hacked. The hacker attempted to transfer {$220.00} from my account by XXXX separate transactions. I immediately called American Express customer services, reported the pending fund transfer. I was then transferred to investigations, answered all their questions, changed secured question, password, etc. I was told the matter would be investigated and someone would contact me in a few days. Although I reported the hacking immediately while the transaction was still pending, American Express proceeded to transfer the money to the hacker! 
I waited until XXXX XXXX, XXXX before calling American Express again. This time when I called, I was told oh they should n't have told you that an investigation takes XXXX-10 business days from the date of the incident. So on XXXX XXXX, XXXX I called again to check on the status of the investigation and get an answer as to why my {$220.00} was still being held. Now American Express is saying that the investigation takes 45 business days!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I am a homeowner, and also in Pro Per against XXXX XXXX XXXX, servicer, and Bank of America, beneficiary. I have a straight forward case : approved and a written Trial Plan Agreement was memorialized. When it was memorialized it was sent to their Quality Control Department which sent the documents back to the Loan Mitigation representative to change the payment dates and then mail the documents to me, the homeowner ; he happened to quit that day and the Bank never followed up on the file. I, the owner, followed up by making over 41 calls ; the bank representatives that I talked to on the phone continuously told me my loan was in the Quality Control for review. When I called XX/XX/XXXX ; someone found my file in " XXXX '' XXXX XXXX Report ; at that time the Bank proceeded to foreclose on my home XX/XX/XXXX. ( The Bank eventually rescinded the title ( XX/XX/XXXX ) back into my name, but never modified the loan. I have continuously lived on my property since XX/XX/XXXX. {$50000.00} later I find myself in Pro Per, because I can not afford anymore legal fees, I represented myself during the three day trial, in which I am not an attorney and did not know the court procedures and was at a grave disadvantage. The Court and the Banks would not allow the case to continue, because there is a " Five Year Rule '' which I did not know about until I asked for the continuance. 
During discovery I discovered my application was fraudulent as well. There are so many issues regarding my entire case that there needs to be a higher power to look into my case and help me. I filed my complaint with the Independent Foreclosure Audit team and received {$6000.00} ; so there must be some validity to my case. Presently I filed my Objection to the Statement of Decision and Proposed Judgement ; I do not want to lose an opportunity to plead to someone who understands the issues. In the meantime, during Litigation, my loan is sold to XXXX XXXX that does not have a reputation of helping homeowners to obtain a loan modification ; their reputation is in selling the homeowner 's home. 
I want to stay in my home ; I have paid my mortgage payment on time for 22 years, and the year I have a hardship and approved for a loan modification-the Bank failed in their Fiduciary responsibilities. 
Can you help me in some way

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