milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hello, My concern is that there XXXX be a legitimate problem that needs to be addressed. Or it XXXX be a convenient way of redirecting customers to the website where products and services can be solicited -- in the name of say higher security? On XX/XX/XXXX about XXXX EST. I went to XXXX as I have always done for years. Choosing only Experian. The portal asked me at least XXXX questions that I knew and have known ; however, this time it indicated " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' It then proceeded to tell me how to get it through mail. It also offered an option to upload the request and any documentation required. I was not interested in that option at this time. After a bit of time, I was able to find a number to call. The representative referred me to www.experian.com/view and the response was the same screen. The representative was professional and took my information and was willing to mail it to me. I accepted. For comparison, I then went to XXXX roughly XXXX minutes later to see if this happened with XXXX. XXXX 's process asked XXXX questions and was able to obtain report. This XXXX just be XXXX incident. I am human and imperfect. I could have made a mistake. This is highly unlikely in this incident given the questions asked. 
I have attached the response minus any sensitive information Thank you

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX Date XX/XX/18 On Notices on page 3 of 4 under notices has perceived this as a high risk because it pertain to a business or was used as a mail drop. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information XXXX is a apartment complex named : XXXX at XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information under Notices and or need to provide proof as to may perceived as a business or mail drop or delivery service. 

Experian keeps adding information on my Personal Information page that is not correct and needs to be removed. Or provide documented proof to the information as stated by 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 explanation
Consumer complaint received 08/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I pay {$400.00} a month on a {$60000.00} loan. Of that {$400.00}, {$50.00} goes towards the principal and {$350.00} goes towards interest. I have asked to change the amount applied to the principal, the response being the only way to change is to pay more money a month. Which I ca n't pay, because my student loans are {$800.00} a month and I make {$XXXX} a year, I have a XXXX. I have asked to lower my payments because I ca n't pay them without causing financial hardship ; they have refused, except to offer to continuously extend the life of the loan so they reap more money on interest. My credit has been negatively affected because I could only pay {$100.00} towards my {$400.00} loan payment when just out of XXXX and making $ XXXX hour in XXXX . They would n't accept the {$100.00} and preferred to send me to the creditors. 

How they distribute paying off my loans is also morally and economically disputable. The loans that accrue the less money are paid off first. Most of the money from the monthly payments is paid to the smaller loans with the lowest interest rate ( {$2000.00} with 4.25 % ) and {$50.00} is attributed to the the {$13000.00} loans at a 3.25 % interest rate. This has happened to XXXX loans ranging from {$10000.00} to {$13000.00}. Loan consolidation is not an option, so my current payments go towards the balance on XXXX independent loans. Due to the fact they would not accept a lesser payment and my credit score was significantly negatively impacted, I do not qualify for another private loan to purchase these private loans and consolidate. Therefore, I am left powerless to rectify a negatively life impacting situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: A foreclosure sale is set for this week. I have been awarded the family dominical that I live in and I have the Divorce Decree which states that. The bank will not cooperate in processing a transfer despite me forwarding all the proper documentation and applications correctly. The bank will not discuss the case with me. The bank has sent my mortgage to other banks during the process and has made it very difficult for me to fund an Attorney to organize release paperwork. I have XXXX Children and I rent an apartment to my elderly mother. All I want is to continue to be a good farther and son, maintain the family home properly, and pay the mortgage. My name is XXXX XXXX, the address is XXXX XXXX XXXX, XXXX, MA XXXX, phone XXXX. Loan is # XXXX with IndyMac Bank, XXXX Bank, XXXX Bank. All I want to do is pay the mortgage payments in my name and I have never been allowed to do so. I am a good farther and provide for my children daily and at the ages XXXX, XXXX and XXXX just getting over divorce. Loosing the stability of their childhood home could be threatening to their future. Also, displacing the my elderly mother a wonderful tennant.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: We did a loan modification back in 2008 circa with Wells Fargo due to financial hardship. And the modification period has ended recently and the interest rate increased to 6.5 % on our mortgage. The payment became too high for us to handle and with our current credit score ( XXXX ) we are not able to refinance. Our parents loan us XXXX  and we wanted to pay down the principle of our mortgage and recast our loan term in order to lower our monthly payment.
When we contacted Wells Fargo regarding this, they told us they can not approve our recast because we had previously done a loan modification on this mortgage. When we sign the loan modification, there were no verbal warnings nor papers telling us doing loan modification would effect our ability being recast even with us able to pay down over 60 % of the total amount owed.
So the goal for us is to pay down the loan and recast our term thus lower our monthly payment. We are not even asking wells fargo to lower our interest rate.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech ( formerly known as Green Tree ) increased my escrow amount by {$58.00} on XXXX/XXXX/16 due to increasing property taxes and insurance. No problem here - except that I was not notified of this increase either my email, electronic statement, mail, nothing. 
The only way I found out about this increase was by logging in and discovering this increase a month later and discovering this increase. 

Also, as I write this on XXXX/XXXX/16, Ditech has received my payment in full according to their " Payment History '' section of their website - however - they still show my XXXX payment as outstanding. It 's almost as if there 's a bug in their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: We sold our Home XXXX XXXX XXXX  XXXX on XXXX NY. We closed on XXXX XXXX 2017. We had an outstanding balance of $XXXX with a wells Fargo mortgage and the title company sent that amount in a XXXX XXXX XXXX check and someone at the correct address for payoff signed for the check. Wells Fargo claims that they received the check but cannot find it and asked XXXX XXXX to cancel. XXXX; XXXX cannot reissue a new check for 90 days.This presents multiple issues;1- We still have this showing on our credit report preventing us from buying a new house2- The house still has a lien and there are new folks living there3- Wells Fargo has held our escrow balance of $XXXX and are subtracting $XXXX to buy an insurance policy on a house that we do not own anymore.I have gone up the chain at Wells Fargo and all they can do is apologize, i have also had our XXXX follow up and same result.I am livid and want to have them deal internally with this problem and resolve on our end.Thank-youXXXX XXXX XXXX XXXXXXXX

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 monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXXI WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: URGENT- XXXX XXXX reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted XXXX, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting.

Payments due on the XXXX  of the month XX/XX/XXXX - Payment made- ( XXXX   showing late pay for XX/XX/XXXX )XX/XX/XXXX Vehicle was STOLEN XX/XX/XXXX- Vehicle was declared total loss by insurance and notified XXXX   about the payment and Gap insurance At this time XXXX sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XX/XX/XXXX- Contacted XXXX  to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed.

XX/XX/XXXX- Car Payment cleared from bank ( Transunion showing late pay for XX/XX/XXXX XX/XX/XXXX- Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, XXXX   reported to XXXX last payment wasXX/XX/XXXX- 30 days late pay for XX/XX/XXXXXXXX  reported to Transunion last payment wasXX/XX/XXXX- 30 day late pay for XX/XX/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 03/20/2015 about Mortgage (Other mortgage) with TIAA, FSB (SC).
Issue: Application, originator, mortgage broker

Complaint: Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (Credit card debt) with Federated Law Group (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX   and hired FEDERATED LAW to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I applied for and received a installment loan amount from Big Picture Loans on XXXX in the amount of XXXX dollars. I can no longer afford the interest only payments. I found out the payments set up on my bank account are for interest only and do not at all go towards my loan principle. I have contacted my bank and put a stop payment service setup on my account so I do not have my pay check funds taken away for me. This is a monthly payment I can no longer afford and I see now they say I owe XXXX dollars. It seems every time I look at my balance w fees and interest it keeps rising. I did not realize when I took out the loan that the monthly payments would be only interest and not also applied toward the principle amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian states " we will not reinvestigate the dispute again '' Negative inaccurate false items Which is against the rules and regulations of the Fair credit reporting act

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 01-01-2018 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 have contacted Experian on numerous accounts asking for verification on items that they are showing on my credit file. Repeatedly, they send back the same generic XXXX  response with no validation of my findings.The FCRA requires all CRAs to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, CRAs are supposed to be in 100 % compliance with the law. I just received a new report from Experian showing the same erroneous items brought to their attention before. I have attached it as a document for verification. They need to be fined and quit being XXXX by helping their inner circle. It 's the law to be fair and just.

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