milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: This is the fifth time my family has complained about this fraudulent, predatory lending practices loan y Wells Fargo. This is loan # XXXX, XXXX. The new information we have is the company sent us a response letter and they are calling this loan a Conventional type loan. This is a ( DIY ) or Daily Simple Interest loan that we still owe XXXX on since XX/XX/XXXX. Well Fargo took over servicing this loan from a company that was found guilty in the sate of Ohio for these type of loans. During the transfer of the loan Wells Fargo bought all the fraudulent loans for XXXX but did NOTHING to make things right with our loan, e.g. change the terms to meet proper federal lending guide lines. We requested and received our account history back to XX/XX/XXXX and found Wells Fargo guilty of not reporting our on time payments that were being held as unapplied. Furthermore, none of the money was applied to our loan in the amount of XXXX. Lastly, on their recorded line I got them to omit they falsely had our account as late and charged XXXX per month. This has been fixed we think. We have dealt with and pleaded with over approximately XXXX to XXXX different representatives. Right now its XXXX XXXX or XXXX XXXX or XXXX XXXX. Finally, we have requested all HUD-1 's and appraisals since early XX/XX/XXXX and still have not received them. We get 2 letters per month saying that we need more time to research and find the information. Please do something with this Fraudulent company who just had their CEO step down. 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 non-monetary relief
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 03/28/2017 about Credit card () with Alliance Data Card Services (NV).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2017 I was approved for a XXXX Visa credit card, issued by Comenity Capital Bank. I immediately used the card to make a purchase of {$250.00}. 

On XX/XX/2017 I received an alert on my credit monitoring stating that my XXXX Visa card had been closed by the credit grantor. I received no notification of this closure from Comenity Capital Bank, and still do no know the reason why. When I contacted Comenity Capital Bank via telephone, they would not give me any information, stating that I would be receiving a letter in the mail. 

It is a poor lending practice to open accounts for consumers, allow them to use the account, and close it 10 days later. 

Now my credit score has fallen because the account is reporting a {$250.00} balance against a {$0.00} limit, giving me 100 % utilization reported on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have applied for a Mortgage with  XXXX   XXXX . Equifax refuses to give  XXXX   XXXX  my credit report.  XXXX   XXXX  indicates Equifax says there is a credit hold on my report. I call Equifax who indicates there are no holds and no problems. I called Equifax 's mortgage division and it indicated  XXXX   XXXX  used the wrong address and no birthday.  XXXX   XXXX  used the other address and my birth date and they were denied my credit report again indicating there is a fraud hold on my account. Equifax is holding my credit hostage and this company should not be allowed to just do as it pleases without having to answer to anyone. I have had numerous problems with Equifax and its refusal to fix improper reporting in the past, but denying a mortgage company a report is the final straw. I should n't have to hire an attorney to sue them to do what they are supposed to do. These companies need better regulation and consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: trying to get inaccurate inquiries off credit report.

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 09-08-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Amount of {$52.00} and other account for {$210.00} They never sent me anything about this accounts or bills ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Trouble during payment process

Complaint: I had a loan modification with XXXX # XXXX and they sold it to Shellpoint account # XXXX, Then Shellpoint is now claiming they are not honoring the modification after I had made 8 months of scheduled and timely payments, they are reporting all payments as delinquencies! the Credit Agency has me with 8 delinquencies and the new loan company will not approve the new Mortgage until all of the Delinquencies are removed! My home will be sold off according to Shellpoint! Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

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 01/24/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Applying for a mortgage

Complaint: XX/XX/XXXX Ocwen has delay the short sale for the following property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I have provided all the documentation since XX/XX/XXXX. There has been 2 full appraisals and 4 BPO. There is a foreclosure date set for XX/XX/XXXX. I believe that Ocwen on purpose is delaying the process so the property can be foreclosed. I have evidence that the short sale department on purpose over looked documentation that was emailed to the short sale department. I emailed and fax 8 pages of evidence to liquidation appeals department including a document showing seller was contributing {$5000.00} to the mortgage Insurance company on XX/XX/XXXX, that same day the file was escalated to the underwriter I called on the XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX the agent ID XXXX told me to that the underwriter has all documents it needs and that they will need 48 hours for the approval letter and that by then Friday XX/XX/XXXX would be the latest for the approval letter. At XXXX XXXX this evening I recieved a text from XXXX XXXX XXXX  informing me that an appraisal has been order by Ocwen, more delays.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.

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 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Jefferson Capital bought my XXXX wireless debt from XXXX XXXX collection campany - in XXXX XXXX. The original date of debt was back in XXXX with the original collector and the original company reported it correctly. After all these years I saw that the debt finally came off my report only to notice a couple months later that a new collection company put a new collection on my report. When I contacted this company I noticed that the amount was the same that I previously had on my report from the XXXX debt. Jefferson capital decided put on my report my old debt with a re-aged date of when they acquired my debt. When I spoke to the supervisor about this not being a legal practice and that they should n't penalize me all over again for my mistake that I made years ago they said that they reported the date that they bought the debt and that they are not re-aging or breaking any FCRA rules and regulations. I feel very hurt and upset that a collection company would lie and re-age my debt that I have already paid my price for. When I asked them to send me their prof of the documents that show exactly when I did n't pay this XXXX account that they put on all XXXX bureaus they said that everything is electronically done and they do n't have those files to send me. I asked them how that is possible to report collections onto peoples reports and not have the documents to support them. The supervisor said that if I have a problem then to dispute it because they did nothing wrong. I 'm disappointed Jefferson Capital is not following the rules. Please help me put this old debt behind me so that I wo n't be punished all over agin. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Did not read mini Miranda and hung up on me and keep calling twice a day after I answer the call every morning they call

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has not responded properly to my demand letter, I am not asking for verification thru your automated process, I am lawfully demanding PHYSICAL PROOF, completeness of record for the accounts I listed in the attached letter. 

In the court of law we will need to prove a record to it 's fullness as being COMPLETE. This is what I am requesting and that the accounts which are damaging my reputation be removed until or unless there is a complete record for the accounts mailed to me. 

Your negligence to remove these accounts pending your investigation will result in civil action. 

I thank you for your time and consideration.

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 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this XXXX item so many times with Experian, it is a XXXX XXXX XXXX mortgage XXXX which is PAST THE STATUTE and should not be listed. Please 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 explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 has violated the FCRA law ... And they are erroneously reporting information on my credit file that they have obtained from a third party source. They have not provided any proof that their information is either court ordered or has any authorization bearing my signature that they report directly to the Bankruptcy Courts or Public Records. It is defamation of character as well.I plan on seeing this through until I get a favorable response according to the laws of the FCRA.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with Supreme Lending (TX).
Issue: Credit decision / Underwriting

Complaint: My family and I wanted to buy a new home. We got Preapproved from XXXX XXXX with Supreme Lending Services. I was very clear from the get go, that we would not sell our home that we have been living in for the past 11+years, if we could not buy another home. It was promised to us that we had everything that we needed to close on home, no problem. So we started to look for a home. We found XXXX and when it came to closing the underwriter from Supreme Lending stated that all we needed to close was XXXX bank statements, and to pay off a couple of assets. This was presented again, but to us ( XXXX and XXXX XXXX ), my realtor, the sellers ( husband and wife ), and sellers realtor on a conference call with XXXX XXXX ( Loan Officer ) that we were already approved ALL we needed was XXXX bank statement from new bank acct, and to pay off a couple of assets. When the XXXX bank statement that we were waiting for came in we were ALL under the impression that we were going to close, but at last minute we were DENIED DUE TO PAYMENT SHOCK!!!! This was a SHOCK to us all of us, because this was never mentioned. Now me and my XXXX kids ( XXXX XXXX. XXXX XXXX ) this issue has put us in a position that we maybe losing our fostering license. It takes time and money to have another home study to keep compliance for holding fostering license. Not to mention XXXX dogs that just any rental will allow to keep. 
We did everything in our power to do as the loan officer XXXX XXXX with Supreme Lending instructed us to do, and we did it at a timely manner. She did not know what she was doing, and she lied to not just to me and my husband but to both realtors and sellers involved. Every time we ( XXXX ) spoke to XXXX she needed something different from us, because something new came up, so we were told. I then started to talk to XXXX another employee at Supreme Lending because I became worried. She also said that we were close to closing, she does not see any reason why we would n't be able to, she also spoke with the sellers as well. I have many of text messages and conversations that this was uncalled for, and the outcome was ridiculous. 
We, the sellers and I had been told numerous times that we will be closing next week, but next week never came. This has not only left my family and I homeless, but also have put the sellers into a lot of grief, they also will not be able to close on the home they had built for them. This has been a stressful and devastating situation for both families involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: APR or interest rate

Complaint: Recently, Chase increased my purchase rate by 2 %. I pay on time and always more than the minimum amount. Upon contacting Chase they blamed the increase on government regulation and an increase in the prime to 3.5 %. I 've had this card for years and a prime increase or decrease never affected my rate. Chase 's only resolution was that I could close the account. The rate should not change.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with BTH Management (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the BBB  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the FCRA 609 a documentation must be provided. You as a  company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections ( not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation