milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have contacted XXXX multiple times to see how I can repay back my loans because the payment was too high for me to afford with a low paying job. I offered to pay the interest for a few months until I can figure out how to repay them. I also paid {$500.00}, {$600.00} a month every month for quite some time. They refused to work with me. They refused to take into account the few hundred dollars I was sending them every month. And then I went into deferment, got a lawyer and now currently in the process of declaring bankruptcy, to buy me time to figure out how to pay these loans back. Today I received papers stating I am being sued by XXXX. I really dont know where to go from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with U.S. BANCORP (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX has been contacting myself and my family repeatedly stating I owe a balance of {$2500.00} to US Bank from XX/XX/2007. They are threatening myself and my family with jail time and garnishments. I have spoke to US Bank and there is no record of such balance. This collection company is threatening and scaring my family, as well as making false claims of this debt to my employer.

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 06/15/2016 about Debt collection (Medical) with ECMC Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

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 02/26/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Diversified Consultants Inc Account # XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed {$950.00} I have no knowledge of this debt  and would like it removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Credit reporting () with CCS Financial Services, Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: original company was XXXX who gave it to credit collection services. I paid them in XX/XX/XXXX and had it removed in XX/XX/XXXX. Now in XX/XX/XXXX it pops back up on my credit report under credit control services. according to the better business bureau credit collection services and credit control services operate under the same company and so they will not remove this off of my credit report it 's just a recycling thing and I continue to lose points because of it. A lady in my state from Minnesota took credit con collection services to court because of these false practices and I want something done ASAP this account has been paid!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I see these on my credit reports but have never been contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with U.S. BANCORP (NY).
Issue: Account opening, closing, or management

Complaint: I opened up an account with US Bank for their {$150.00} account opening promotion. A couple days after I setup my direct deposit they said they decided to close my account because of my trial deposits. This makes no sense as when you link any external account a trial deposit is made. They said this is because my name is not on the account and I told them it is a joint account and i can offer bank statement if necessary. This is absolutely ridiculous for closing my account over a trial deposit and I highly suspect they simply do n't want to pay out the {$150.00} bonus.

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 10-04-2017 about Debt collection (Mortgage debt) with National Creditors Connection, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on XXXX/XXXX/XXXX. 

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. XXXX  is fully aware of this as indicated by them verbally and in writing. 

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from XXXX/XXXX/XXXX onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency XXXX has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, 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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: I have requested XXXX in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days XXXX responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XX/XX/XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, XXXX has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that XXXX uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more XXXX was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.

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 08/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I buy the house in XX/XX/XXXX, my parents got sick and I had to come to calif in XX/XX/XXXX, icontinued to make payments while my house was for sale. I was unable to sell the house so I called b of a for some relief, all I got was the run around for the past 18 months!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice from the IRS stating that I owe {$2800.00} from a refund I should have received from Bank of America from over paid interest amounting to {$8500.00} in 2014, I never received a refund from Bank of America so I checked my 2014 form XXXX I received from Bank of America, in box # XXXX it states a refund of {$8500.00} in over paid interest. I have called bank of America multiple times per week for over 2 months with a promise at the end of every 1-3 hour phone call to be called back within 24-48 hours, I have received exactly XXXX phone calls returned from Bank of America. My tax accountant asked the IRS for 30 more days for Bank of America to rectify this situation, I am at the end of the 30 days and have gotten nowhere with Bank of America. I have faxed everything B of A has asked for as far as supporting documents, I need some help..

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 01/26/2018 about Debt collection (Private student loan debt) with Bliksum, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: i have a personel loan with a company based out of texas called XXXX XXXX and have had some difficulty paying the loan back .they have recently started calling my father asking him to remind me to call them. the issue is that i never gave them any of my fathers info or any family members phone numbers. how did they get this info and what a terrible thing to have your father call you XXXX out that you are in financial trouble .what can i do i have no way of paying this back right now they actully told me today they wont call him but they have ways of tracking and fishing up information on all my family and that they sudjested borrowing the money to pay them back or go to the local pawn broker and evaluate what i can look at to raise the money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: 1. XX/XX/XXXX Hurricane XXXX hit the Florida XXXX. 

2. My home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX was damaged. 

3. XX/XX/XXXX I filed an insurance claim for flood damage. 

4. XX/XX/XXXX I met with the flood insurance adjuster on my property. 

5. XXXX XXXX, XXXX I received a check from XXXX XXXX XXXX XXXX -- a payment under building property coverage. 

6. In a meeting with Wells Fargo representative on XXXX XXXX, I was told that I must deal with XXXX XXXX XXXX XXXX Department. 

7. XXXX XXXX, XXXX I sent a letter to Wells Fargo Home Mortgage Property Loss Department, along with the endorsed insurance check in the amount of  {$39000.00} and a request that all communication be in writing and a request for {$5900.00} for my out of pocket expenses to that date for home repairs. 

8. XXXX XXXX, XXXX I received a call from Wells Fargo XXXX XXXX Department. I was told that I needed to set up a payment account or no insurance funds would be released. 

9. I asked for this in writing. The lady said she could not do that.
Facts : 1. Wells Fargo has filed three foreclosure suits against me.
2. The first suit was withdrawn.
3. The second suit was dismissed.
4. The third suit is an active litigation which does not mean they are right or will win.
5. This conflict has been on going for about ten years.
6. The insured property was damaged.
7. There are existing health and safety issues on the property that need to be addressed and repaired. 

8. Funds are available to repair the property, but they are being withheld by Wells Fargo.
9. Wells Fargo is not the note or mortgage holder. Well Fargo is the servicer.
10. Wells Fargo is withholding flood insurance funds underwritten by the Federal Government by way of FEMA that need to be applied to proterty damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are some unauthorized fraudulent inquiries that are on my credit report and Transunion refused to remove them. My report was improperly shared by Trans Union because I did not authorize these inquiries and I have also contacted each of these companies and they can not prove to me with my original signature and/or documents that these inquiries were authorized by me. This is a fraud act by Transunion as well as the companies accessing my file against my will. These are fraudulent inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utilities & Fuel XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX, XXXX I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other TransUnion had violated my rights of Under sections 6.11. I have been ravely affected and my score is suffering as a result. This has caused that all of the inquires on my credit report increased my credit score. Those inquires were inserted to my credit report without in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I request that you remove immediately the following fraudulent inquiries from my credit report : I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore it is the credit bureaus responsibility to remove 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 03/25/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: MISHANDELED PAPER WORKOur mortgage servicer is Ocwen. Ocwen has ruined our credit by submitting negative reports to the credit bureau. We were on a trial period with lower payments prior to finalizing a modification. During the trial period we met all of the requirements. We signed the modification agreement in XX/XX/XXXX and have been current thereafter, somehow Ocwen reported to the credit bureau we were XXXX days late. This negative impact has a ripple down impact, much of our cards have been cancelled or reduced due to the erroneous information. We have contacted Ocwen several times only to hear it 's been escalated and we are waiting for the Treasury Department to make the corrections. We were also advised to write letters which they ( OCWEN ) have to answer. Some representatives have called in a threatening manner stating we need payment now or your house will go into foreclosure, and we always say we are on a modification plan and we are current, your records are n't correct. We are frustrated with the level of service received and are n't sure what federal programs monitor the servicing companies for FHA loans

Company response to consumer: Closed
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a Chapter XXXX dismiss 7 years ago. I filed and had discharged 7 years ago. I understand the Chapter XXXX remains for 10 years but the Chapter XXXX is to be removed after seven years. It is hurting my credit that XXXX Bankruptcies are being reported within one year each other.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I requested verification of XXXX debts XXXX XXXX and XXXX ) held by Ad Astra Recovery via certified mail upon learning that they had entered into collection status. i received no notice of the collection activity from Ad Astra ; I only received a letter offering me a payment plan option. Upon receipt of this letter, I checked my credit report and requested verification of both debts. To date I have received no verification and the debts continue to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with FIRST AMERICAN FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Regarding XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear, XXXX XXXX XXXX, XXXX XXXX XXXX Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please note that your affiliation with XXXX XXXX XXXX is posting my land and home for auction or doorstep foreclosure sale on XX/XX/XXXX, and per XXXX XXXX XXXX XXXX that I have title insurance with has Said that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX acting Trustee along with XXXX XXXX as Trustee have any Authority do Foreclose.. The Security Agreement if non Valid or DOT as XXXX Could not do Business at the Time of the Grant Deed giving to me. Therefore youll need to stop this right now today when you receive this NOTICE and DEMAND as settler, as under Duress Treasury and XXXX XXXX has the endorsed promissory note for deposit only to one and the other paid to the UNITED STATES OF AMERICA WITHOUT RECOURSE if accepted in this criminal activity stealing homes piracy on the land. 42 arrest warrants have been issued and hope to see you all do the right thing. 
this is a copy of what was sent, and this part you will need to send to me at once. " TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' Your complaint filed with the Consumer Financial Protection Bureau as complaint number XXXX pertains to the same loan which was the subject of complaint number XXXX. As discussed in XXXX XXXX XXXX 's response to the prior complaint, neither XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX is involved in collection of the debt purportedly owed by you. None of these companies is the trustee of beneficiary. None of these companies has the legal capability to comply with your request " for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Vehicle loan or lease (Lease) with MERCEDES BENZ FINANCIAL SERVICES (TX).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I was recently denied credit approval from Mercedes Benz Financial Services ( MBFS ) in regards to an auto lease I was looking to assume from the original lessee, in accordance with Mercedes ' lease transfer terms. No information was provided as to the reason for denial. In response, I ordered my current credit reports and scores from the 3 major credit bureaus. Each bureau lists my FICO score well in excess of XXXX, including XXXX, which listed the recent inquiry by MBFS within my credit report. Given my exemplary credit rating ( as well as annual income ), there is no credible justification for MBFS denying my credit application based on creditworthiness standards. Accordingly, this decision appears to have been made in an arbitrary and discriminatory manner.

Company response to consumer: Closed with explanation