milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 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: Account status incorrect

Complaint: On XXXX XXXX, XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX XXXX and Transunion ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XXXX XXXX, XXXX I have not received a response from XXXX or Transunion. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XXXX/XXXX/XXXX Please attachments-

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bull City Financial Solutions, Inc (NC).
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 disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XX/XX/XXXXto the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, XXXX then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
Bull City Financial Solutions is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/2016 I review my credit and i showed no inquiring on my report with transunion credit reporting agency.

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 02-08-2017 about Mortgage (VA mortgage) with GUARANTEED RATE INC. (IN).
Issue: Application, originator, mortgage broker

Complaint: I received an adverse action notification. I did not " apply '' for a loan, only made an inquiry about rates. The agent said he would do some investigating on how he could get me a better rate. He made several attempts to contact me but I did not respond because we were not prepared to move forward with his company. A few days later I receive an email an adverse action notification???

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (TN).
Issue: Trouble during payment process

Complaint: XXXX bought my mortgage from another company in XXXX this year. For 6 years I had not missed a payment but once my loan was transferred I 've had issues trying to give them my payments and set up auto payments, ranging from not knowing the account was ever bought by XXXX, to continual issues logging in to their site to pay ( even at this moment I get an error upon attempting to log in XXXX, to not being able to get through the automatic voice system, to incorrect auto payment set up and never hearing about it until my home went into default for a second time and credit agencies being notified - all this despite the home payment being well within my affordability. 

After 8 months, my first improper credit ding was said to have been submitted to credit agencies for correction, while at the same time, unknown to me, my auto draft was n't pulling from XXXX/XXXX/2017 to XXXX/XXXX/2017, so on XXXX I received a letter from XXXX stating that they were in foreclosure proceedings and that credit agencies had been notified again. The payment on this home in less than {$600.00}, which is less that 10 % of my monthly income and I 've never even had a credit card nor am I behind on any other sort of payment ... my ability to afford payments is NOT the issue, yet they have seriously impacted my credit score.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In early XXXX when I learned I had a incorrect collection acct. report from XXXX XXXX Equifax reporting agencies, I filled a dispute online with both. Within 30 days XXXX  had removed it, but Equifax had not. I then went on the Equifax website and disputed it again. After aprox. 60 days I had still not recieved any comunication or resolution so I called them and requested this to be disputed a XXXX time. To date I still have not even received a response to this issue, and I am now unable to get through to their website or phone number. At this point I even tried to go back to the doctors office where I thought this had originated and learned from them it was from XXXX XXXX and given their # XXXX XXXX. When I contacted them they said there was nothing showing it was sent to collection, which made even less sense to me as to where the incorrect report originated. But they told me they would investigate and gave me comp # XXXX. I also have a copy of my cancelled check # XXXX dated XXXX/XXXX/XXXX, for {$200.00} that was sent as soon as the bill was recieved, yet this collection was recorded as opened in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX ; the  above aforementioned accounts have been requested for removal

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 09-01-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and XXXX years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I started an online applica tion with CIT on   XXXX   XXXX ,  2017 . There was a technical error where I was unable to click on a button on the web form, and I was unable to complete the application. I called in to get help with the application, but they said it was probably a typo. On  XXXX   XXXX ,  2017 , I received an email  for CIT  saying they were n't able to open and account and to call in if I had any questions. I called on  XXXX   XXXX ,  2017 , but I was unable to get an answer as to why an account could not be opened. I called again on  XXXX   XXXX ,  2017 , and after a lot of prodding, I was told I could not be found anywhere in the nation. The person I talked to did not believe me that there was a technical error, and that I was unable to complete the application. On  XXXX   XXXX ,  2017 , I sent an email detailing the problem and received an automatic response that I would hear ba ck in one to two business  days. I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohl 's calls me AT LEAST 6 times a day from different numbers. I know it is them each time because the numbers are very similar and sometimes, not always, will leave a voice mail. I usually ignore the call because I 'm at work or getting my kids to bed when they call. Once I did answer it and the rep immediately asked for my banking information or credit card information. He made zero attempt to work out a payment plan i could afford until I asked. He then threw a number at me and kept pushing for my information after I told him repeatedly I ca n't make a firm decision without discussing the budget with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (NC).
Issue: Loan payment wasn't credited to your account

Complaint: I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mitchell Rubenstein & Associates, P.C. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A judgement was filed against me. I spoke with the attorney to settle. I wrote up our agreement and sent him a check marked XXXX satisfaction in full. After that one was cashed, I sent him the other XXXX amount, which he cashed. He is now saying I ow him interest and filing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was in a XXXXin a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXX XXXX XXXXXXXX, XXXX am disputing it Because I dont know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 ,2017 I applied for a credit card in   XXXX   branch the lady pull my credit report and even showed me my score.   Later I got alerts about inquiries on my Transunion report.   Upon logging in there was  XXXX  inquiries from  XXXX  on  XXXX   XXXX ,2017 within minutes.   I called Transunion and explained them that I saw the  XXXX  employee pull my credit once and that why would they need  XXXX  duplicate reports on the same day.   Transunion representative said there was nothing he could do to call  XXXX  so they could request to delete the inquiries.   I then call  XXXX  that explained to me they only have record of  XXXX  credit inquire under my name so there is no way they could ask Transunion to remove the other  XXXX  that do n't exist on their system.   They also explained to me that sometimes Transunion has glitches were duplicate inquiries.

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 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.

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
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Case XXXX XXXX University COLLECTIONS DEPARTMENT HAS RUINED MY CREDIT WITH AN INACCURATE CREDIT REPORT. To BOTH Equifax saying my debt was over XXXX dollars and XXXX same starting debt then follow up reports on that debt that still are wrong. XXXX actually owes me money because I was a XXXX XXXX and Housing regulations say I stay until Graduation with no late exit charge. Also XXXX charges ridiculous amounts for " alleged '' cleaning and XXXX ( E Mail for Collection agent ends in XXXX so he works for XXXX and is not independent and Harasses many times a day STILL including my cell at work for XXXX. DESPPITE his billing charges differing from XXXX XXXX Billing Charges

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Bank Of America. They refuse to provide the necessary information based on above mentioned letter.

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 06/16/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation letter to Cavalry Portfolio Services multiple and no response. However this company is reporting negative information to my all XXXX credit bureaus monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me an answer to valid this debt, but took the easy route and placed it on my credit report instead of investigating the validity of account before the date of the letter prior to placing this bogas debt on my credit. This is a bogus claim from XXXX XXXX XXXX. I have been making attempts to contact this collection agency withing the 30 day time frame to find out why are they contacting me with a debt to collect with incorrect information and wrong amount of what is owed to XXXX XXXX XXXX reporting the incorrect amount ; When in fact I notified the company to fix the problem to terminate service and adjust my bill which never was completed.. Each month they would overcharge me, so I terminated services and retained a new phone service but XXXX still billed me for over three months.This is NOT my bill and will not pay it. I 've sent correspondence to the collection agency and they went behind my back with the incorrect amount of bill and placed it on my credit report before the 30 days for them to answer my dispute was done. I want this off my credit report at once! Have Diversified Consultants , Inc confirm the true amount of debt and remove off my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This XXXX account is not mines and has been deleted by Experian. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX XXXX Credit card not mines. 

1. XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} 2.XXXX XXXX XX/XX/XXXX XXXX {$0.00} 3.XXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$45000.00}

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