milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently have a Pick-a-Payment loan with Wells Fargo and am trying to modify. XXXX XXXX, 2015 our home was struck by lightning and as a result we have no A/C ( in Florida ) and few appliances are working. I received a check form the insurance company but Wells is not cooperating in getting the funds distributed in-order to make repairs. Again, we 're Florida and have no air conditioning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is 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 09/21/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I got back to the USA and requested a credit card to Citicards.com that was accepted. 
I used it for a month and suddenly it was blocked because Citibank has some concerns about suspicious account activity. I faxed them all of the requested information ( SSN card, service billing and passport ) but after weekly calls, now for a month, my card is still blocked. Apparently they need a phone number, one that they can verify, to call me back. I am using XXXX XXXX XXXX as provider, which for some reason is not included in their check up database ( landlines are useless for them ). 
I have paid past month statement ( electronic transfer from a bank account at XXXX XXXX XXXX under my name ), but still, I can not use that information to validate my identity. 
The irony is that as the account is blocked and thus I can not close it, and I do n't know how to proceed, as their customer assistants can not provide any alternatives to prove my identity, nor escalate me to a supervisor ( They even hung up on me when I requested that ). It 's a dead end, and it seems I am stuck in their XXXX like bureaucracy

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 11-06-2015 about Debt collection (Credit card) with Continental Finance Company, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with GreenSky Trade Credit, LLC (NJ).
Issue: Getting a line of credit

Complaint: XXXX XXXX, XXXX Rt XXXX XXXX XXXX Shade NJ XXXX, used my credit info/ss # to obtain a {$29000.00} loan from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. A XXXX Banking XXXX, XXXX, GA. I never agreed to any type of loan or did I agree to any contract with XXXX XXXX ( XXXX ) to install solar panels at my shop. I talked to a salesman from XXXX, and agreed to allow them to give me a quote on the project. They sent out a roofer to look at my roof, who claimed they needed to remove and replace new roof. The following day I received a bill from GreenSky ( GS ) with a interest only amount due of {$29.00}. I had never even heard of GS. I contacted XXXX, and told the I was no longer interested in having solar panels installed at my shop. I then received another bill from GS, with {$58.00} due a a {$39.00} late charge. After reviewing the bill it notice XXXX took a {$5900.00} draw from my loan of {$29000.00}. I never agreed to this installment, or did XXXX do any type of work at my shop. I contacted GS, who dispute what i told them said the need to look into my contract. XXXX than sent me a bill for {$790.00}. Claiming I owed them {$640.00} for bank fees paid on deposit. XXXX {$150.00}, for having a roof look at my roof. Assuming I 'm going to pay them money in advance to a signed contract for bidding on a job. They also did not return any phone calls fro GS, regarding the {$6000.00} dollars the received from loan. After spending countless hours on the phone with GS, they decided that I owned XXXX, {$150.00} in fees to XXXX, for work done. XXXX {$150.00} so a roofer could bid on my roof. GS gave me the impression that they had some type of ownership in XXXX XXXX. All along my credit report is showing I have an outstanding loan for almost {$30000.00} dollars. I was also in the progress of buying a new SUV for my shop. I believe GS outstanding loan hurt my credit report thus causing me to pay additional interest on the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus Experian,  XXXX , and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.

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 05-02-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I contacted XXXX a few months ago regarding a XXXX XXXX XXXX card that was opened by my ex-husband using my information. The account was opened while he was XXXX and I was XXXX. XXXX closed the account since it was opened without my authorization. XXXX noted that I had not activated a single card for this account and I was not aware of this account since I had never received a card in the mail. My ex-husband had access to my personal information from previous income tax returns that were filed. I did not authorize my information to be used for this account in writing, online, or over the phone. I have submitted a notarized identity theft affidavit to XXXX and all XXXX credit bureaus, but have not received any resolution nor has my name/information been removed from this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (Medical) with North American Credit Services (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. 

All Americans are dealing with debt and medical bills should be something that is regulated differently. 

The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was refinanced under HAMP XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a letter From Nationstar Mortgage that I qualify for the {$5000.00} principal reduction because I was in my 6th year with no late payments. I just need to fill out the form ( XXXX ) and return it to them. I sent the letter XX/XX/XXXX. By XX/XX/XXXX I did not hear back from Nationstar. A couple more months went by and XX/XX/XXXX I reached to Nationstar and was told it was denied because it was after the deadline of XXXX XXXX. Even though they told they received the letter almost 3 months earlier. Then I spoke to a CSR on the phone they told me I was denied because the form was filled out incorrectly. My wife & and I signed the form, but only put the last XXXX digits of our SS #. Even though we were never contacted or received any correspondence regarding missing information as they stated. the form was received so I sent an email to get a confirmation. They responded saying they received the letter and would contact me if additional information was needed called and emailed Nationstar if my form was received with no response. Finally I got a person in the research department that said it was an error by Nationstar and we would receive the principal credit.Then in next month I received a call regarding refinancing my loan. I asked specifically if I refinance the loan under HARP if it was affect us getting the principal reduction. I was told it would not affect and that Nationstar would either send us a check or deduct the new loan. Now that the loan was refinanced XX/XX/XXXX Nationstar is saying the loan does no qualify because to was paid off. At every turn Nationstar dragged their feet getting me information, answers, the opportunity to correct any errors and flat out lied about the pay incentive program to make money on a refinance I would not have done. If they were doing this to me they have done it to others. This could have been avoided with a simple phone call, email or letter stating it was denied so I could have sent an corrected for which was only missing the beginning of our SS # s.

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. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi. My name is XXXX XXXX and I have tried to several occasions to correct the fraudulent and incorrect accounts that Experian is reporting in my credit report. They refuse to report correctly, even when presented with proof. 

I have disputed these same items with the other major credit bureaus and they have deleted these accounts, but Experian just allows the creditors to say " verified '' without any documentation or proof. 

1. XXXX Account # XXXX Balance {$20000.00} Opened XX/XX/2017. There is a 7 year fraud alert on my credit report and this account is not mine and should be deleted. 

2. XXXX XXXX XXXX XXXX Account # XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is just incorrect. This account has never been paid late and is paid in full. 

XXXX XXXX XXXX  , XXXX Account XXXX XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is incorrect. I have never paid this account late. 

4. XXXX XXXX XXXX Account # XXXX The creditor agreed to remove this account and all late payments as it was sold to XXXX XXXX. However, Experian refuses to do that and just keeps saying " verified ''. 

5. XXXX XXXX  XXXX Account # XXXX is reporting a late payment on XX/XX/17 and this is incorrect. this account has not been late. 

I need these items corrected and updated immediately as it is preventing me from obtaining credit.

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 06/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XX/XX/XXXX-XX/XX/XXXX {$60000.00} Tried repayment plans, takes 25 % of my monthly income making it impossible to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Focus Holding Company (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My taxes and insurance has n't changed much at all over the years. However, my payment changes significantly every time their is an escrow analysis. Having a $ XXXX {$400.00} jump in the monthly payment is not insignificant and causes a change in lifestyle. It is frustrating to deal with Round Point Mortgage. They ca n't figure out the right amount.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a total of  XXXX  inquiries on all  XXXX  credit bureaus from various banks on.    XXXX / XXXX /   2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with  XXXX ,  XXXX  and  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 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Lien paid in 2009. Not being reported as paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (DC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I am flagged with most financial institutions who deem my information a risk whenever I open bank accounts or try to cash checks. I would like to have intangible reasoning behind their discretion in blocking me within  n  the system completely or with limitations. I 've contacted them to no avail.

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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: unbeknownst to me i was paying  XXXX   XXXX  instead of capital one. The balance was  XXXX  dollars. Once i realized this mistake I immediately paid it in full. There was no intent or malice in our part not to make this payment on time, as we are in the process of securing a construction loan. It would be foolish and reckless to do so. The item in question was for  XXXX   2017 , billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a XXXX Debt that is not mine i had to file an identity Theft claim with all Credit Bureaus and the IRS. I do n't understand especially when i have a XXXX account in good standing right now. Before this i had XXXX XXXX XXXX and i had paid that off already. I would like to dispute this Debt and have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  showing late payments on  XXXX  of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from  XXXX   XXXX   XXXX  showing no lates during the period in questi on (   XXXX ,  XXXX ,  XXXX  of  XXXX  ). They are using voodoo math and tricks just like  XXXX   XXXX   XXXX  did. ( see FTC vs  XXXX   XXXX   XXXX   ). Th ey admitted their mistake on the phone. I want the CFPB to investigate  XXXX   XXXX   XXXX  on their business practices on how they report on all their customers to the    XXXX    Credit  reporting agencies. I feel I 'm not the only  XXXX  they have hurt. Their mistake cost me  XXXX  points on  my credit score.    Contract monthly payments are  XXXX . We pay  XXXX /month to help pay the loan off faster. They told me they REMOVED a  XXXX   XXXX  payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.

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 11/26/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit decision / Underwriting

Complaint: When renewing my balloon home equity loan with Bank of America I was told I did not qualify and would have to apply for a modification. After 18 months my approval came through with Bank of America writing that I now had an affordable home equity line of credit payment. That is true for the first XXXX payments - not so much for the next XXXX payments that span 38 years. Then the rate goes to a close to market rate of 4.125 % with me paying more in finance charges than the amount of the loan more than doubling the amount owed. Bank of America gave me no indication that this was the only " modification " available until I received the paperwork. I had tried other avenues to write a loan but could not due to the stricter lending standards and the fact that my credit score took a bad hit when they reported me past due while the negotiations lingered on. 
This is a usury loan that only benefits the Bank of America. Even though I have made all trial payments timely and the new loan is in effect the old loan still shows on my credit report as past due. Due to the stricter underwriting rules placed on the big banks who caused the housing collapse ( i.e. Bank of America ) and in turn the recession I could not get a loan renewal. My only option, other than foreclosure, is to agree to a loan modification that cost me {$60000.00} finance charges on a {$59000.00} loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with Van Ru Credit Corporation (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have received a letter from Van Ru Credit Corporation saying that I owe {$100.00}. I called the medical center they say they are from and asked them about it and they said that I did not owe anything. I believe this to be a scam.

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