milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2015 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Advertising and marketing

Complaint: XX/XX/XXXX, I applied for a secured card from Wells Fargo, and was approved. The secured card fee is {$18.00} per year. I was told numerous times that as long as I paid on time, and had my account in good standing, that my account would be reviewed every six months ( XXXX and XXXX ), and that I would be eligible for my secured card to " graduate '' to an unsecured card within a year as long as I maintained positive history with the bank. 

It is now almost XX/XX/XXXX, and while my credit score has improved drastically, and I 've been given XXXX additional credit cards - XXXX from XXXX XXXX, another from Wells Fargo ( which is unsecured ), Wells Fargo refuses to graduate my card to unsecured status. Additionally, Wells Fargo has, several times, increased the limits on both the secured and unsecured card, yet, they will not graduate my card, instead keeping my deposit, and charging me a yearly fee to remain a cardmember. This is fraud on their end, as I would have never signed up for the card if I had no possibility of being graduated within a reasonable period of time. Each year I 've had to pay an {$18.00} fee - for the first year ( XX/XX/XXXX ) this was acceptable, but for subsequent years ( especially after Wells Fargo had deemed me creditworthy enough to issue a *completely new, unsecured card* ), I should not have been billed {$18.00} and my card should have graduated. I 've now spent {$72.00} in fees ( {$18.00} x XXXX ) on a card that, I was told when I applied, would be graduated within 6 month - 1 year as long as I remained in good standing and paid on time each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my House in XXXX XXXX with an FHA Loan, I started making my payments of {$1600.00} and everything was going well till I got a letter from Caliber Home Loans last month saying that we have a Shortage in the Escrow Account of {$3800.00} and that our payment is going up to {$2000.00} by XXXX XXXX, XXXX due to this Shortage. The problem with this Shortage is that they are trying to include in the Escrow Account, not only Taxes and Insurance which is the normal, but also Mortgage Insurance when that was never Disclosed at closing, nor was it disclosed in the HUD-1 at closing or any where in the Documents we signed. I have talked to the Mortgage Broker we had the Closing with, I have talked to different Mortgage Professionals and they have looked at all the closing Documentation and tell me that has to be a mistake because the Mortgage Insurance is a Premium that was added to the Loan Amount and even though we have to make monthly payments on it they are not to be included in the Escrow Account and they do not need to have reserves for that, this is not an FHA Policy and this Lender wants to do it because they want to. 
I tried talking to the Escrow Department at Caliber Home Loans a few times and they say it is right there at the HUD-1 and we signed for it, but that is not true, when you look at the HUD-1 it says that Taxes and Insurance are to go in the Escrow Account not Mortgage Insurance. 
We really need to have this resolved, we can not afford that monthly payment and that is going to result in us losing the House. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian placed back a Tax Lien which is not mine and was previously deleted as fraudulent. It 's associated with a fraudulent address in XXXX CA. This lien is NOT mine.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Medical) with Revenue Recovery Bureau (Closed) (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.

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 02/15/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX. for the amount {$410000.00}. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX, there was a assignment of mortgage filed with XXXX County Clerks office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX  XXXX. A New York XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/XXXX XXXX XXXX XXXX XXXX stated a foreclosure action against me for the amount of {$450000.00} which is about {$41000.00} more from the original mortgage two years earlier. How is it possible that I am owing more than the original loan amount. I was making payments 1 year prior to defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 made several attempts via certified mail and notarized documentation requesting the XXXX, TransUnion, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

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 06-10-2016 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm dealing with Allied Collection Services over a medical debt from XXXX. Under threat of the debt being reported to the credit agencies, which could result in me losing my professional license and my ability to receive the business loan I need to start a business five years in the making, I agreed to start making monthly payments with the stipulation I not accept responsibility for the debt. I had been keeping track of the balance owed and called to reconcile my balance sheet at which time I learned {$2800.00} in collection fees and interest had been added to my account, more than three times the legal limit of XXXX + the prime rate of the largest Nevada bank. Allied claimed the creditor added it prior to sending it to collection, the creditor said they add on what Allied tells them to in order to cover the cost of hiring Allied to collect the debt. Over 45 days ago I asked both Allied and the original creditor for a copy of any payment agreement I signed agreeing to pay this amount of interest and fees. Allied said the original creditor would have it if something like that exists. The creditor says the payment agreement I signed is somewhere in storage and it would take two weeks before they MAY be able to retrieve it. I called again today, 47 days after the original request and they said they had n't gotten it yet and to give them another two or three weeks. Allied wants another payment immediately. XXXX XXXX, the rep for Allied said not making a payment will result in the credit agencies receiving the debt, my payment agreement becoming void, and a lawsuit filed against me for the balance. 
Also, as you can see on the documents I 've attached, most of the {$3500.00} I 've paid toward the debt has been put toward interest and fees instead of to the principal as mandated by Nevada statue 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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am member of the Equifax credit monitoring service and have been for a while now. I have been able to update my score whenever possible. When I tried to update my score on XXXX XXXX, I was unable to. It gave me an error message. I have been trying everyday after that to update my score and get a new credit score. To this day I have still been unsuccessful. I contacted Equifax about this situation on XXXX XXXX and they can not tell me the reason why this is happening. Only XXXX XXXX, I applied for a mortgage loan and my lender was unable to get an equifax score to pre-approve me for a mortgage loan. Again, I called equifax and they were still unable to tell me why this is going on. They offered me a reduce rate on my credit monitoring service but that still does not fix my issue of not seeing a score. This has place a burden on me because the companies I have been applying for credit all use equifax and because they are unable to get a score, I am denied credit. Also, another issue I have having is Equifax reporting incorrect information. My credit card company removed all of my lates off my account and equifax is the only bureau that has not updated that information and its going on 2 months since this has happened. They are also reporting that I am over the limit on a credit card that I only owe {$4.00} on which has raised my utilization to 98 % and dropped my score tremendously. I have also spoke with them about this issue and have not received any satisfaction. The last issue I having with them is they refuse to remove my hard inquiries after I explained to them I have spoken with each company and they agreed to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

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 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have derogatory information on my three credit bureaus from TransUnion, XXXX and XXXX that are not correct Ive tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didnt authorize could someone please help me out with these problems Im having 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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In response to : CFPB- XXXX EXPERIAN To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06-05-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I separated in XXXX 2014. We have a XXXX mortgage with Greentree XXXX. My husband did not / is not helping me financially with any of the bills we had. I contacted Greentree and requested forms to apply for a modification based on XXXX income XXXX mine ). They wanted the divorce decree. I had n't filed for divorce at that point due to the financial state I was in. I was granted a quit claim deed and my husband signed off on the house. My XXXX mortgage company XXXX XXXX XXXX quickly issued me a modification based on XXXX income. Greentree would not accept the quit claim deed and wanted my husbands financial information. I explained to them he does n't live there anymore and will not provide me with his income or expenses. He then was out of work with absolutely no income from mid XXXX thru late XXXX. I have tried to provide everything and anything to Greentree to request assistance with paying my XXXX mortgage and they refuse to do anything until I provide a divorce decree. I have filed but am in the 90 day waiting period that PA has for divorces. I receive telephone calls on my cell phone, and at work, at the minimum of XXXX to XXXX times a day. I always get the same person ( XXXX XXXX and she is very nasty and likes to remind me that I am a mother and need to keep a roof over my sons head so I need to pay my bills and she is a single mother and manages to do it, why cant I? I have blocked every number possible but they still get thru and leave numerous messages on both my cell and work voicemails. I am current with my XXXX mortgage and certainly do n't want to lose my house over a {$14000.00} loan that I can repay with a little assistance. They refuse to work with me and harass me every day of the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans were transferred from the XXXX to Navient. Once that happened my loans have not been the same, it seems as if the interest rate is incorrect and very hard to repay back. I consolidated my loans and now I have the old XXXX loans and Navient ( Who use to be XXXX XXXX ) loans on my account looking as if I have multiple loans, when really they are just one loan reported twice. I have called and complained plenty of times to Navient and they said it was out of their hands, but they are the only ones who can correct any of my issues with them. I am concerned with the interest on my loans, with the rate that I am going I will never be able to pay them back. I really hope someone stops Navient from doing what they do and I hope I can get help with my loans. My goal is to have any loans my Navient completely erased as a penalty of their wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation