milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: My wife and I refinanced our home in XX/XX/XXXX and we received a 6.50 % interest rate with Wells Fargo and after facing financial problems caused by a curtailment of income, we sought a loan modification in XX/XX/XXXX to request to lower the interest rate to the conforming rate of 3.75 % or lower such as 2.0 % for a specific term. We applied for a loan modification through the Making Homes Affordable Program ( HAMP ) and we were denied in XX/XX/XXXX because Wells Fargo could n't verify all of our information that we submitted. We resubmitted the documents to Wells Fargo and after a long review, we were denied again in XX/XX/XXXX due to Net Present Value. The denial provided data that we did n't agree with such as our home having HOA dues/fees of {$69.00} a month and the household income was n't calculated correctly. We appealed the denial and were denied the appeal process because of NPV evaluation. Wells purported that because a " drive-by '' appraisal was used to determine the value of our home at {>= $1,000,000} against an unpaid principal balance of {$780000.00}. Wells has never completed an interior/exterior appraisal as our home requires at least {$250000.00} in upgrades and our own appraisal valued our home at {$920000.00} " As-Is ''. However, when we checked our NPV using XXXX, the website said that we qualified and may be eligible for a loan workout. Hence, the first time we checked the XXXX  website in XX/XX/XXXX we qualified for a HAMP loan modification because our principal balance was below the {$720000.00} limit. In California, the statute for NPV in a mortgage application for a loan modification is Cal. Civil Code 2923.6. It states that the anticipated recovery for the investors must be more than the initial loan modification. A foreclosure on the property will get about {$800000.00} and after attorney costs, fees etc., the investors would net around {$750000.00}. However, a loan modification would generate Principal & Interest payments of {>= $1,000,000} through maturity. Thus, Wells is non-compliant to California law and to the date on the federally mandated XXXX tool on the making homes affordable website. Although our balance is over the threshold, if we provide the UPB before the modification amount as illustrated on the XX/XX/XXXX denial letter, we qualify for a loan modification. However, after submitting the positive results to Wells Fargo on two different dates ( in XX/XX/XXXX and XX/XX/XXXX ), Wells still denied our loan from being modified

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive any letters on what happened with the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/17, I received an alert that a new acccount was added to my TransUnion credit report. XXXX XXXX ( Acct # XXXX ) reported an account to the Transunion credit bureau. I have never heard nor received any notification ( letter, phone call, etc ) about this account from XXXX XXXX nor am I knowledgeable about this account. 
I want this account removed from my credit report immediately.

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 01/27/2018 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: Account information incorrect

Complaint: I submitted a certified letter to Credit Reporting Agencies Experian, XXXX, and XXXX  in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XX/XX/2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

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 explanation
Consumer complaint received 04/27/2017 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: XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, t hat one of my payments had been listed as default of 30 or more days. I find it extremely odd that they would wait until a year or more later to change m y credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Account fell behind due a financial hardship situation but I made a agreement with them to setup a payment plan to bring the account current and the payment has already cleared the bank but yet they still call me 10+ times a day 45 mins apart sometimes 2 mins apart from the first call for the past two days now I called them last night and told them to take me off the list that we have an agreement and they told me I was off the list but yet again the calls started again XXXX and have n't stopped I 've been called almost 10 times before noon

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax had an ongoing breach and took a very long time to say anything. I was potentially impacted according to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationstar is reporting false and misrepresenting a loan they 're servicing that was transferred from XXXX XXXX XXXX Home Loan servicing. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

Nationstar Mortgage information should reflect the same data as XXXX XXXX XXXX 's to start. 

There has been no activity on the account since the transfer to Nationstar ( ie no payments, no agreements ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed it 's database to be breached and my personal information which may have included my name, Social Security number, birth date, addresses and drivers license numbers and/or Credit card numbers. The unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017. As of now no accounts have been fraudulently opened in my name as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/17 : Noticed a collection was reported to my XXXX credit report by a collection agency called : Convergent Outsourcing. I never received any letters or correspondences from Convergent Outsourcing. XX/XX/17 : called the Convergent Outsourcing collection agency to inquire about the collection account they reported to my credit report. I provided them both the account number & my social security number & told them I had never received any correspondences from them & had no idea about the collection. Their response was they do n't have my information on me available. I specified that I am in process of a financing transaction and as the result of this negative reporting I ca n't proceed with obtaining financing. I requested them to remove the collection account since they do n't have any information on me. They said they cant do that at this time. They provided me with supervisor 's email & asked me to email a supervisor which I did and made the request, but the supervisor never responded back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed on more than one occasion and for the past several months an account I had with XXXX that is listed on my Equifax Credit Report. Equifax continually lists my account Status as Account Included In Bankruptcy ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Bankruptcy. It should be noted that I settled the debt on this account directly with the creditor prior to filing bankruptcy and so I never had a reason to include it in my bankruptcy. Despite the fact that I have filed disputes and sent Equifax proof that my account was never included in bankruptcy, Equifax continually ignores my disputing this account and has exhibited this behavior and negligence to me over the past several months. They never provided me with any detailed explanations with regards to how they determined status on this account and they have refused to correct it despite what I tell them over the phone or through online disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: In XXXX, I received a call from a banker from Citibank informing me that someone was on the phone posing as my husband and attempting to establish a credit line with them. I informed them during the call this was not possible due to my husband being deceased and was informed that the person on the call had disconnected and no further steps needed to be taken. I then later on, received notification by mail from Citibank XXXX/XXXX/XXXX, addressed to my deceased husband, informing that an account had been opened using his info and there was suspicious activity reporting. In the letter it contained a number to follow up with, if this account had not been set up by the addressed person ; I immediately followed up with Citibank and made them aware no account was opened due to my husband being deceased since XXXX and also that i had spoken with someone previously to address this. I was made aware that steps would be taken to resolve this matter and on XXXX/XXXX/XXXX did receive additional follow up to inform that an investigation was completed and account would be closed and forwarded to the credit bureaus to be addressed. How is it possible that a person being deceased that long, with reports being sent over to the social security administration initially to make aware, can still have someone open up a new credit card and use this. This is n't something that should be able to happen, and the way all of this was addressed from the opening of the account until the resolution was n't handled properly.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX around XXXX p.m. I contacted XXXX XXXX to inquired about an account that was unknown to me reporting on my Experian credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the XXXX or owner. She tells me that she is the assistant XXXX. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XXXX XXXX, XXXX around XXXX p.m. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XXXX XXXX, XXXX I receive a credit inquiry alert saying that XXXX finance did a credit inquiry for an application or loan. I then spoke to XXXX on XXXX XXXX, XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. XXXX got mad because I asked her how can there be XXXX different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to Experian and they refused to dispute it and told me I needed to contact the creditor to get it off.

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 07/20/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX. 
XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX? 
HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR. 
HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX. 
THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED. 
THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX. 
XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL! 
I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS. 
I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS. 
I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT. 
I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX. 
THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES. 
SIX MONTHS NOW, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I sent letters to Experian and XXXX to delete from my personal credit report on XXXX/XXXX/2018. Or provide me proof the debt belongs to me. 

They have not provided proof. They simply mailed me a letter stating the debt was verified. 

The amount of the debt is {$3500.00}. The debt shows that it is a medical bill. 

Which if this was my debt I assume this violates HIPAA.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit score was XXXX on XX/XX/XXXX, it has been brought down a few notches for some unknown reasons though we suspect it may have a lot to do with high potency of XXXX now available at Experian. 
Perhaps you can check and find reasons for this mystery.

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 01/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: Coinbase.com removed a total of {$100.00} from my bank account ( {$50.00} from checking and {$50.00} from savings ). This was an unauthorized transaction as I did not create an account with them. The reporting a fraudulent charge option on their site does not work and no one responds to requests. 

I have already reported it to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage servicer does not send a monthly statement each billing cycle. I have called them to request this, but all they do is send copies of back statements.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation