milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Integrated Recovery Services (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I keep getting calls from a number XXXX or XXXX claiming they are Integrated services and that i needed to call a XXXX XXXX back. They wanted information on a XXXX XXXX XXXX and if i do not call them back to verify legal address then failure to provide formal statement. Then they would expedite verification of employment and liquid assets to avoid protocol to call XXXX XXXX immediately. 
When i call this number they do n't answer as a company. They just say hello. If they was a company why are they not answering as such and if i owed money it why are they so rude and wont tell me the name of there company that it could be anything and why are they asking me for my social and bank information. If this was a collection agency they would n't be asking me for this. Plus i would have gotten a letter from an attorneys office saying i had 30 days to dispute the claim. I have not received this letter. This is a scam call for my personal information and i want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Wellsfargo is charging me a overdraft fee which I had money already in my account to cover my transaction. If I over drawn then is my account statement showing that it 's - {$31.00} Rather than the charge purchase and overdraft fee. I also had a direct depost of {$49.00} and XXXX in my checking account. And I also had couple dollars in my savings account before I transferred {$25.00} in it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: wells fargo refuses to give me the title company information wells fargo falsified my title to allow the modification. 
Wells Fargo is skirting around the title issue. they provided a XXXX page title saying this is all they found when they completed the modification a judgement. judgements do not go on title liens do. 
there were XXXX and attached is XXXX pages showing the total title wells neglected to obtain. if the title company had completed there job properly these would have been found and addressed over 2 years ago when the modification started. they say everyone else is wrong but them. 
they saw the errors, the now about the phone calls I received to redo modification papers 6 months later, they know there was XXXX XXXX title insurance on my policy when I took my mortgage out. XXXX XXXX covers : XXXX ) If the declaration creates a lien for maintenance assessments, all assessments outstanding for the period of time prior to closing must be paid and the declaration must state that the assessment lien is subordinate to the lien of the insured mortgage. In the states of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX state law provides that certain condominium assessments have priority over first mortgages. In those states, do not issue the XXXX Endorsement XXXX on first mortgages unless you delete paragraph XXXX or unless you add an exception pursuant to our local underwriting guidelines ; otherwise, you should issue the XXXX XXXX endorsement in those states or you should secure specific underwriter approval. In many states, assessment liens are superior to all mortgages except first mortgages. In all states issue only the XXXX XXXX endorsement on Loan policies covering subordinate mortgages unless you secure Underwriter approval to issue the XXXX XXXX endorsement. 

so again wells takes no responsibility for there mistakes. 

I will be calling XXXX to discuss the errors and refusal by Wells Fargo to deal with there errors properly. 

by closing this case and saying there was nothing you did wrong is a joke. 
I do not believe this was handled properly at all by anyone at wells fargo. 
so now I take my fight higher since YOU STILL DO NOT CARE HOW YOU FALSIFY DOCUMENTATION AND THEM BLAME A BORROWER, advise why title was changed, advise why you did n't provide the liens - there are no XXXX different title reports and it is not based on the county since the same title companies provided the paperwork but yours did n't show the truth.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 1. XXXX 2. XXXX 3. TRANSUNION Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be removed immediately and permanently within 24 hours. 

Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX  Account XXXX XXXX XXXX XXXX Inquiry XXXX Off Lease Inquiry Off Lease XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX  XXXX Cred Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Credit Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Thank you for your prompt assistance in this matter. 


Sincerely, 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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: There is a collection XXXX company that claims I owe a past due debt to XXXX however this was reported by another company CONVERGENT SOLUTION of which removed it from my credit report with XXXX on XXXX XXXX 2015. XXXX does n't have any contact information on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On   XX/XX/XXXX   I called  XXXX  to have them remove a debt that has been reported on my account since   XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record   retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor  XXXX  could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's  Office  of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this de  bt ASAP according to Federal law.
<P/>  Account that is past this 7 year record retention is as follows :  XXXX   XXXX  Auto Finance Acct # :  XXXX  Original start date or reporting :   XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on Trans Union and  XXXX  with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   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 04/13/2017 about Debt collection (Medical) with Agency of Credit Control (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX I was contacted by Agency of Credit Control Inc in XXXX, CO stating that I had an outstanding medical debt from XX/XX/XXXX. At that time I told them that I believed the debt to be invalid and requested a writing notice of the debt so that I could check it against my records. I was never sent a validation notice nor a notice of right to dispute, though I continued to request this every single time I spoke with them on the phone over the last four months. 
Since it has been four months and i still have not received a validation notice nor a written notice of right to dispute, I have since contacted my doctor, who also stated they believe the debt to be invalid, and they are researching to provide me with documentation to that fact. I called Agency of Credit Control Inc with this information and they refused to listen ( I also asked for the documentation again and still have not received it ). 
Today, I received a call from one of their employees saying he was at my place of employment to talk to me. I told them ( again, as I had on a previous phone call ) that they are not allowed to contact me at work. I also just received notice from my roommate ( as I am currently out of town ) that this collections company sent someone to my home. 
Also, they have lied and said they did send the notices and/or did not have accurate contact information. I know this to be false as they have now today sent someone physically to my home. This is evidence that they do have my mailing address and there is absolutely no excuse for Agency of Credit Control Inc not to have sent a written validation notice of the debt or a notice of right to dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Making/receiving payments, sending money

Complaint: Was involved in a Motor vehicle accident XXXX/XXXX/2016 filed claim with USAA. Claim was paid for accident the money was deposited into our USAA checking account, However I was notifed that we was involved in a bank fraud and our account was frozen. due to the investigation. After the determination was made the bank ruled as a scam. After we informed them that our bank card and account info was released and was unknown to us. The claims department refused to re issue the amount of money to fix the damage, and is also refusing to provide ANY documentation to us so we are able to seek further help to pay for the vehicle. USAA took over XXXX from our account which was our paycheck and claim to fix the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Case # XXXX - continued I did not find a place on the original complaint to add more information. Today I received a package of the same XXXX that BOA posted on this site. The letter still does not tell me why I do not qualify for a HARP. It states that " the mortgage loan account is not eligible for the HARP due to program guidelines due to the previously implemented loan modification. '' On the XXXX website there is a quiz with the following questions : 1. My loan closed on or before XXXX XXXX, XXXX? 
My Answer : Loan closed XXXX XXXX, XXXX. The XXXX website says that based on this date, I am eligible. 
2. I have little or no equity in my home? 
( My Loan-to-Value ( LTV ) is greater than 80 % ) My Answer : Yes. 
3. I have had a good payment history on my mortgage for the past 12 months? 
My Answer : Current since XXXX XXXX ( 4 years ) 4. This is my first time refinancing with HARP? 
My Answer : Yes Link to site : XXXX The BOA website lists the HARP requirements as follows : " You may be eligible to refinance your home loan under the Home Affordable Refinance program ( HARP ), if : 1. Your home loan is owned by XXXX or XXXX XXXX My Answer : XXXX 2. Your loan was sold to XXXX or XXXX XXXX on or before XXXX XXXX, XXXX My Answer : XXXX XXXX XXXX XXXX, XXXX XXXX 3. You 're current on your mortgage payments My Answer : Current since XXXX XXXX 4. Within the past twelve months, you 've been more than 30 days late with your payment only once. 
My Answer : Current since XXXX XXXX XXXX. Within the six months immediately before you apply for your refinance, you 've not been 30 days or more late with your payment My Answer : Current since XXXX XXXX Here is a link to the site XXXX I again ask the following : 1. Where does it say that I do not qualify based on the guidelines listed on XXXX the websites of BOA and XXXX? 
2. Please tell me what those guidelines are, in writing. 
3. Why were we steered in subprime mortgages with credit scores in the outstanding range and a {$10000.00} down payment? Is n't this fraud? 
4. Am I being denied a loan refinance because I am XXXX? 
There are no guidelines that I can find which state the reasons why I am not eligible to refinance under HARP. No where does it state that " if I had a modification granted, I become ineligible for a HARP. '' If there is documentation stating the aforementioned quote, please provide it to me. My original modification was not a HAMP, but a bank proprietary modification. Based on the HARP guidelines listed on both BOA and XXXX websites, I am eligible. Please provide me with the answers to the above questions in writing. I am a responsible hard working tax payer and I am not giving up on this until I get truthful and legitimate answers to my questions in writing. If BOA is telling the truth, why is it so hard for BOA to put the reasons for my disqualification in writing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I own a condo unit. I have n't made a payment on in 72 months. That 's 6 years. 
The unit wo n't foreclose. Back in 2011 there were auction dates but everytime the auction was cancelled. 

For the past year i have tired to short sale. 
About 6 weeks ago I discovered that BofA will not Allow me to short sell the unit. I am not eligible. 

Ok ... So I went over to deed in lieu department And I was denied there too. Too many secondary liens. 

My credit can not repair until this unit is gone. 
Regardless of what I do. The bank continues to report late. I think it completely irresponsible that BofA Has take this long to foreclose and wo n't allow me these other options.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I cosigned a student loan for my daughter with American Education Services. The payments were {$60.00} per month, and I was sending {$100.00} figuring the overage would be paying down the principal. I started receiving monthly statements showing no monthly payment necessary. I called to question this as the balance was not going down yet the amount of interest paid was going up. When I finally spoke with someone he said that i was paid so far ahead that no minimum payment was necessary but the interest was still accruing. I explained that the overage should have been applied to the outstanding balance not to future payments. I kept trying to get in touch with someone farther up the ladder to get this straightened out. But no one would return my calls or letters. I started repaying this loan in XXXX and as of XXXX XXXX I had paid {$5400.00} dollars in interest, {$2700.00} in principal, and had a remaining balance of {$5200.00} at 7.41 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CT).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a prepaid rush card. My direct deposit was deposited today and I went to pay for something with my card and the funds were not available. I had used the card previously and everything was fine. I repeatedly called customer service but I kept getting disconnected. I went online and noticed there was an unauthorized transaction in the amount of XXXX from XXXX XXXX XXXX Bank. I have no idea where this transaction came from. I did NOT authorize it. I was unable to pay my bill due to this issue and I am asking for immediate reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: We took out a XXXX XXXX private student loan in XXXX. The loan became due XXXX and the payments were so high we were unable to make payments. We never made any payments because XXXX XXXX refused to negotiate a payment that we could afford. In XXXX, we pulled our credit report through XXXX and the Status Details of the loan stated : As of XXXX XXXX, this account is scheduled to go to a positive status. In XXXX, we pulled our credit report through XXXX and the Status Details on the loan stated : The account is scheduled to continue on record until XXXX XXXX. XXXX XXXX, would be XXXX years since the loan was originally opened and 10 years since the loan became due for payment. The Reported Since date on the credit reports from XXXX was XXXX and changed to XXXX on the XXXX credit report. It appears that XXXX XXXX ( Navient ) is altering dates on our credit report to extend the time they can negatively impact our credit report beyond the 7 year law.

Company response to consumer: Closed with explanation