milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Affinity Global ( was XXXX ) has called my ex-husband, his sister-in-law, my father and my daughter telling them I owe a debt and implying that I am in legal trouble for non-payment - XXXX of which are not true and is in violation of federal Fair Debt Collections Practices Act. They call my phone at least XXXX a day after I have told them many times that the debt is not mine. I sent a letter in XXXX XX/XX/2015 asking them to desist and to remove my number, and the number of anyone they associate with me from their records, yet they still continue to call and harass me and family and friends. Their language is threatening when they leave a message. Usually, they will call XXXX and hang up when they get voice mail, then they will immediately call again. The caller ID on my phone shows the calls coming from different states and numbers, yet it 's always the same person, XXXX XXXX, that leaves a message. I would like these calls to stop. I have also never received any kind of written notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with MRS BPO, LLC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It appears XXXX put XXXX inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The US. DEPT EDUCATION ACCOUNT ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, TRANS UNION, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no e-Oscar system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.TransUnion, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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 10/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Delinquent account

Complaint: I have dispute various inaccurate reporting on my credit reports that were never resolved. I disputed some late reporting from Capital One Bank, XXXX, XXXX, XXXX and XXXX with these creditors themselves and also the XXXX major credit bureaus ( XXXX, XXXX and XXXX ) . The creditors violated the Federal Law by not sending me a mail 30 days after inserting the negative marks on my credit reports.I used the Law to call them on it but instead they only sent me a bunch of old statements that did not address the problem. Furthermore the credit bureaus told me they will not investigate these items anymore that the reporting was accurate.I also demanded they ( the credit bureaus ) send me the XXXX forwarded to the creditors and the AUD`s received back from the creditors and that never happened. All of them just flat out ignored my request. Also the answers I received violated the 30 days they were allowed to answer me back.They ( the creditors ) failed to prove they violated the Law and I believe they did not conduct any reasonable investigations. I need the CFPB to get in the bottom of it and make sure they abide by the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have reached out to this company 4 times in the past XXXX months about validating XXXX debts that are showing on my credit report. There has been no response from this company what so ever. I will attach my fourth letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, XXXX got a default judgement against me. It was removed from other two credit reporting agencies, but Equifax refuse to remove it.Disputed with Equifax refused to remove from credit report affecting my credit score and approval. Now it is showing up as a collection account with Equifax saying it 's verified. 

Also two medical collection on report with XXXX for {$95.00} and {$110.00} which was paid by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They do not have any documentation in their files to verify the accuracy of these disputed accounts and they should delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home loan with Flagstar Bank.I got behind on my payment.I was told to ask for Help from The Loss mitigation Dept. They assured Me They would Help. I did everything asked of me to Help with the modification.after a year of mailing check stubs and Bank statements.I was told they lost my File and I had to start over.I had no other Choice but to resubmit All the papers again.I called almost every day Worried about loosing my home.They kept reassureing me everything will be ok.They told me my Payment would be Modified so I can afford my Payment. There was no Modification to lower my payment actually they added to Payment.It took almost 2 years to get a modification. They wouldnt accept any house payments to provent from falling further behind. So I was 24 months behind when they finally told me a Quailfied for a Modification. If thats what you would call it.When this all started I owed XXXX on my home After the Modification I owe XXXX {$.00} I was told they would put all the payments I was behind on the Back of my Loan.Then how did my Balance Increase by XXXX $ .I now owe more than my house is worth. So I cant even refinance and try to get a lower Payment. I had to file Chapter XXXX just to save my home. I am in a bad situation Owing more than my home is worth.I feel I am being set up to Fail and lose my home. Please Help me Find JUSTICE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX solicited me to switch from XXXX XXXX XXXX by making false statements that the XXXX would work 100 % on their network, which was not true : at the time, the XXXX would only work at reduced speeds on XXXX 's network.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with The Bureaus, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received some information but not an actual signed agreement from this agency and I do not agree with the information sent in. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland 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 05/21/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: TransUnion is reporting a tax lien on my credit report in the amount of {$1000.00} that was discharged in bankruptcy. I contacted the courts and they are not showing a balance owed, but TransUnion continues to report that I owe {$1000.00}. My bankruptcy was discharged in XX/XX/XXXX2017 and all other accounts have been updated, but this account is severely damaging my credit score. XXXX and XXXX are not reporting this account, only TransUnion

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: THERE ARE  XXXX  ACCOUNTS THAT ARE NOT REPORTING CORRECTLY AND EXPERIAN WILL NOT ALLOW ME TO DISPUTE 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 non-monetary relief
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with Coastline Financial Resources, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My landlord received a call from XXXX, a debt collection company, who said they had a delivery for me and wanted to confirm my address and social security number. They left the phone number XXXX and a case number XXXX. I returned the call myself to request their mailing address in order to send them a cease and desist letter and to inform them that my sole source of income is XXXX XXXX XXXX XXXX. The ( unidentified ) woman on the phone refused to provide the company 's address and claimed that they were in the process of filing court documents to recoup an alleged debt. They would not provide me with any specifics regarding this debt and called me a " deadbeat '' who was trying to " hide behind a legal technicality '' ( my right to request that they stop calling me or my landlord and to contact me in writing, only ) at which point I ended the call. 

I have located an address for XXXX online and have sent a cease and desist letter, with a copy to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (I do not know) with Admin Recovery, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: the collection agency is called ADMIN RECOVERY LLC, in New York. The man that works that doesnt give you his name, has called me several time and even family members of mine. Claiming I owe a debt of XXXX. After itold him he had the wrong person, the wrong number, i told the man i never had an account with that amount of money and much less an account with XXXX XXXX But he insisted in harassing my family and I, and now he sent me a letter to collect the debt, after i specifically told him he has the wrong person, so I sent his office a letter requesting for validation of this debt and requesting proof of documentation that proves that links me to this debt ( sent on XX/XX/2018 certified ) and the company has not responded as of yet. They have the wrong person and Im tired of the harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (SC).
Issue: Managing the loan or lease

Complaint: American Credit Acceptance has repeatedly contacted me at my work phone number even after I had asked them XXXX to not contact me at that number

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On  XX/XX/XXXX  FED  LOAN  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED  LOAN n ever responded to my letter. I sent a complaint to the CFPB about this matter and then FED LOAN decided to respond with electronic copies which I did n't ask for. I specifically asked for the ORIGINAL INSTRUMENT OF INDEBTEDNESS. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XX/XX/XXXX  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/XXXX  FED LOAN jumped the loan amount back to {$50000.00}. I 've also attached my bankruptcy paperwork filed  XX/XX/XXXX  and  discharged   XX/XX/XXXX  which includes  XXXX   XXXX   XXXX   XXXX  in the amount of {$14000.00} and  XXXX   XXXX   XXXX   XXXX   (   student loan )  for {$7000.00} which I do n't see reflected on my FED LOAN statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Report Inaccuracy : XXXX XXXX XXXX Dispute Letter XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Consumer Assistance XXXX XXXX XXXX, XXXX XXXX XXXX Re : Notice of Dispute to Pursuant to Section 611 of the Federal Fair Credit Reporting Act To Whom it May Concern : I recently obtained a copy of my consumer 's credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This is injurious to my consumer report and I request that you correct this information immediately. 
Please remove this account from my records it is inaccurate billing/contract information. Please remove from my files and your records and/ or show me proof of such debt accurately billed and belonging to me : Original Account : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX Collection Agency : Convergent XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Account Number : XXXX BBB Complaint ID # : XXXX My consumer report is extremely valuable to me, please be advised that willful non- compliance is a violation of the Federal Fair Credit Reporting Act. I assume 30 days is a reasonable amount of time for your investigation unless I am notified otherwise. Please provide me with an updated credit report. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: My HELOC matures in XXXX 2015 with Bank of America. I have submitted a request for renewal and my wife and I have FICO scores in the XXXX, have {$1000000.00} in an IRA account, and {$100000.00} in our investment account, owe {$19000.00} on my XXXX mortgage, which I am willing to payoff, as well as a car loan which is for my mother 's car in the amount of {$7000.00}. We are both self-employed and the bank has taken our net income as our personal income. They also include our XXXX car leases in the total amount {$930.00} per month as personal debt, although we have expense all lease and other car expenses through our respective business. Based on my payoff of my XXXX mortgage, car loan and proving that the car leases have been deducted through our business income, and meeting the now debt to income ratio, they will not approve the renewal unless I prove that the car leases are for business. My house is appraised for {$800000.00} with the only remaining debt being this HELOC at {$200000.00}. I believe the bank does not understand self-employment borrowers by way of adding business expenses as car leases in their debt formula, but not crediting back the expense on your tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : 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 11/19/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: National Credit Adjusters Have called 3 times now since I had a credit app ran for a new place to live. This is the only way they have gotten my work number since I have n't applied for anything using that work number. They were told each time that it was a place of business not my personal phone number and if they needed to inform me of anything to send it in writing to my address ( since they got my work number they should also have that ).

Company response to consumer: Closed with explanation