milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been fighting with Experian for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Under Personal Information on my credit report my sons ( XXXX XXXX XXXX information XXXX Address : XXXX XXXX XXXX XXXX XXXX appears on my Equifax report in error and I 'd like to have it removed asap. Thank You, XXXX XXXX.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have been receiving the following email for several months about XXXX a week from Regions Bank. 
I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them. 
Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images. 
Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history. 
Because we value your time, we are emailing this information to ensure you are notified as soon as possible. 
Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account. 
Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page. 
Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX. 
Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails. 
Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX. 
Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHARLESTON AREA MEDICAL CENTER (WV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This is not my account possibly identity theft

Company response to consumer: Untimely response
Consumer complaint received 09/26/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: Account # XXXX Property Address : XXXX XXXX XXXX, XXXX, MD XXXX This new Complaint is a rebuttal to Wells Fargo 's response to Complaint XXXX and others subsequent to it. 

Here I made two critical complaints, among many others. I complained that I was denied loan modification because my application showed ability to pay. I challenged Well Fargo that this was not a ground for denying loan modification. Notwithstanding this outrageous reason for denying loan modification, I confronted Wells Fargo with the actual reason for denying my modification application. I was told the real reason was the equity. When did Equity become a lawful ground for denying modification? Please ask Wells Fargo to explain why it used the equity in my home as a ground for denying loan modification. 

I learned that Wells Fargo used HTI ( Housing To Income Ratio ) to deny me loan modification. HTI uses gross income in making its calculation. My gross income when Wells Fargo denied my loan  modification in XXXX 2016 was {$11000.00}, half of which were business expenses. I am XXXX. Using HTI automatically disqualifies me or any other self-employee person because it gives a falls impression of my income. Had Wells Fargo deducted the business expenses, such as condo fees from the rental property and other costs, I would have fallen within the HTI approval range. It was using this voodoo method that Wells Fargo succeeded in stripping self-employed borrowers like me of their houses. They should go back and use my net income, not gross income.
Second, I complained that Well Fargo failed to credit my payments and that the loan balance was wrong. I have letters in which they denied that I made payments, then I confronted them with the evidence. Faced with the evidence, they said the payments were not credited because they were made pursuant to a modification trial plan. I challenged them that I was never granted a modification, let alone a trial plan. I want Wells Fargo to produce evidence of the loan modification that I signed upon which a trial plan was based. Unless Wells Fargo fabricates one, consistent with its corporate culture of fraud, none exist. Let Wells Fargo produce the evidence. I want Wells Fargo to explain why they failed to grant a loan modification after a trial plan, which they claim was where my monthly payments of more than {$70000.00} in the last three years went.

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 11/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$600.00} to get my through until I graduated. They are charging me 600+ % and I went along with it for a few months because I had no choice. I have requested twice to cancel the loan and pay the principle with no response and they keep charging my bank account that is trying to close with no option of cancelling it online. I have no way of viewing my documents online so I can switch it out to another lender or pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
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 12/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I mailed a qualified written request to Nationstar requesting certain information and documents. Specifically, I requested : the identity of the owner of my loan ; any language in the applicable servicing agreement or investor guidelines that would restrict a loan modification ; an itemization of costs, fees and expenses charged to my account since I defaulted ; a description of Nationstar 's efforts to establish live contact with me within 36 days of my delinquency to inform me about loss mitigation options ; a copy of the notice Nationstar sent me as required by XXXX CFR XXXX ( b ) ; and a copy of the loss mitigation application I submitted to Nationstar on or about XXXX XXXX, XXXX, as well as Nationstar 's written responses to that application. That qualified written request was delivered to Nationstar on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, Nationstar mailed a purported response to my qualified written request. In this letter, Nationstar claimed that it would enclose the following documents : the note and security instrument ; the payment history ; the most recent billing statement ; the notice of servicing transfer ; the most recent escrow analysis statement ; and the payoff quote. I never requested these documents. Nor did Nationstar provide any of the documents or information I requested in my qualified written request.

Company response to consumer: Closed
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX  Contact Address XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment HistoryXX/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 non-monetary relief
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (MT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian mislead me to believe that for {$1.00} I would receive a copy of my credit report. They failed to reasonably advise me that a 7 day trial membership would begin and that I would be charged {$21.00} at the end of the trial. Imagine my surprise when they debited my checking account. 
I am prudent when shopping and take time to fully understand what I 'm getting when I make a purchase. Experian was misleading and refuses to credit my account for {$21.00}. They are dishonest and should be required to adequately communicate all agreements prior to purchase.

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 11/29/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (OH).
Issue: Struggling to pay mortgage

Complaint: My mortgage fell behind due to loss of my job in XXXX XXXX. I was provided a settlement offer on XXXX XXXX in which I wired the amount requested to reinstate within the time they had given me noting that the next regular payment would be due in XXXX. The house went into foreclosure on XXXX XXXX XXXX the letter was dated XXXX XXXX XXXX and funds of {$2000.00} were requested via wire transfer by XXXX XXXX. The funds were wired on XXXX XXXX XXXX in the amount of {$2000.00} to Round Point Mortgage Servicing Corp.  They sat on the funds until XXXX/XXXX/XXXX when the wire was transferred back into my account. In XXXX of XXXX a letter was then sent stating they put the incorrect year and amount for the reinstatement. Since then I have spent months trying to get to get this loan through mitigation and a package complete. They mail letters that take XXXX days to arrive and in XXXX the sheriffs sale notice was served. I have called in every other day since XXXX trying to get a complete package for review. My initial application was submitted on XXXX/XXXX/XXXX to Roundpoint. I have spoken with at least XXXX different reps and only twice to the rep assigned to my loan. I am now hoping that they can complete their review in time to stop the sale on my house XXXX/XXXX/XXXX. I have been in my home since XXXX and never have I ever encountered a mortgage company that could not provide service quickly and accurately. Half the time I send email and only half of a 30 page pdf is received I have resorted to adding all of the folks I have talked to plus the mitigation email address on the submission in hopes that one of them will actually process all of the paperwork. You can not get management on the phone even if you request to talk with someone. I have gotten ONE returned call out of 8 requests. My mitigation package was noted as complete finally on XXXX/XXXX/XXXX after months of re submissions and letters of explanation or reapplication due to expiration of previous application. This has and still is an ongoing nightmare and as of today XXXX/XXXX/XXXX they can not tell me if I have been approved for anything and they can not guarantee that my home will not still be sold on XXXX/XXXX/XXXX. There is no escalation process for review and I have been told that on at least a dozen occasions now by the reps at RoundPoint. Due to the systems and process that they ( RoundPoint ) have in place I fear that I will lose my home on the XXXX of XXXX and have nowhere to turn for assistance other than an attorney at this late date. I have never had anyone take this long to review and approve loan information. This is deplorable and I feel that because there is equity in my home that I am not being pushed through because they stand to make more money on a sale than I currently owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Credit line increase/decrease

Complaint: sam 's club mastercard is issued and serviced by Synchrony bank. 
I recently applied for a credit line increase and was denied for the follow ing reasons. to few accounts currently paid as agreed lack of recent installment loan information. 
a review of my XXXX credit report does not reflect the above items.

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 06-10-2017 about Debt collection (Medical debt) with Transfinancial Companies, Inc (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This Transfinancial collection agency has  XXXX  accounts on all  XXXX  of my credit files. I requested validity of the debt over 30 days ago and have n't received any information but they are verifying with the credit bureaus that the debt is true. They are not following the FCRA laws put in place by the federal government. I have a right to copies of my debt especially if I 'm disputing I never owed the original creditor. I 'm disputing with you all so I have grounds for civil action against them. This is my second attempt to get a resolution with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (GA).
Issue: Struggling to pay mortgage

Complaint: My hardship started in   XXXX   2015 when my income decrease 50 % on top of that my wife lost her job. My income is getting better but I need assistance to bring my mortgage current, please help me to keep my home. 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 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX/XXXX/2017 I made a purchase for {$490.00} but only paid {$200.00} up front. The {$290.00} were going to get placed onto my credit card within 7 days. I contacted Capital One to dispute a purchase I made XXXX/XXXX/2017 in the amount is {$200.00} on my credit card account after attending a seminar that was held at the XXXX XXXX in XXXX La. Me and my husband discussed we did n't want the services we paid for and decided to cancel the transaction. I tried contacting the company XXXX several times the same night and following day and could not reach them by phone. I emailed the company and did n't receive a response. I disputed the charge through Capital One because I had up until 3 days to cancel the order according to the agreement. XXXX XXXX granted the request and deducted the {$200.00} payment from my account. The company XXXX contacted me on XXXX XXXX, 2017 by email stating they were refunding my {$200.00} back into my account. XXXX XXXX, 2017, Capital One sent a letter to me in reference to XXXX reimbursed me for {$200.00}. And because I received a payment from Capital One and XXXX I was reimbursed {$200.00} from both companies. And capital one decided to reverse the {$200.00} transaction back into my account. At this point everything should have been taken care of concerning this transaction. I called capital One and asked them to remove my email from their marketing list. They removed my email address. On XXXX/XXXX/2017, I received an email again stating my credit card account had a freeze on it because an issue with the XXXX transaction that was made on XXXX/XXXX/2017. This transaction should have been settled a long time ago. I feel there is a privacy issue taking place. Every time I call capital one I 'm put on hold and this problem has not been solved. I have all the documents to back up my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation