milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have sent in disputes before and did not encounter this issue, so I am very confused to say the least. 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a home equity line   of credit ( HELOC ) with Wells Fargo. They currently are the company that holds the mortgage on my home. When asked in person and on-line about the purpose of the HELOC my answer was, home repair, debt consolidation and college tuition. I turned in all required paperwork in a timely fashion and also complied with their request of a copy of a written estimate for the home repair I was considering.
Once all paperwork was submitted, I received a call on   XXXX   XXXX   from the person assigned to my loan application that the application was denied. Her reason was, " you want to use the money for a repair to the foundation of the home '' that was not an acceptable reason for them. She then went into an explanation of how I could max out my credit cards to pay for the foundation work and then apply for a loan from Wells Fargo to " pay myself back '' for the cost of the home repairs. When you read all of the online and published literature from Wells Fargo about their HELOC products, never at anytime do they state that certain home maintenance or repair projects are not   acceptable.

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 06-06-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Re : Account #  XXXX  To Whom It May Concern : I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: Bank of America made an inaccurate assumption regarding one bank item on my account. Without allowing me to rectify the situation or even allowing me due process they reported me to XXXX and has refused to accept payment on to clear up the overdraft three times. I attempted to pay for this item THREE times in person at a bank branch and each time I was made to wait for at least XXXX minutes to an hour while the branch person called people at different offices and each time the payment was refused. worst of all I was told that even with the payment they refuse to reopen my account. This was the only time I had a problem with the account. In addition the last time I arrived with cash to a branch to pay for the item, they added {$59.00} dollars for a service that they did not, nor could they provide a specific explanation as to service they had provided, they just knew that I owed it and it was in the system. Furthermore I was severely criticized by a number of B of A employees for taking such a long time to clear up the matter. And they continued to refuse to accept a cash payment from me or sell me a cashiers check for the cash to clear up the matter. 
The Desired resolutions is I that I humbly ask for Bank of America to forgive my error accept my payment for the bad item and reopen my account. More important I humbly request that they remove the inaccurate report about my account to XXXX. I did make an error in filling out a check but I was in no way intentionally attempting to commit fraud. I stated this numerous times and I attempted to take care of this initially when I discovered that I made a mistake on my entry and the check that I provided. Unfortunately B of A refuses to accept my explanation or my money. It seems they just want to ruin my financial life. The information they are reporting is so inaccurate and so far from my character that I wo n't repeat what they are saying.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application.  my credit score was  effected.

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 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a collection account that has a balance of over $ XXXX for an apartment that I vacated while attending college in XX/XX/XXXX-XX/XX/XXXX. The account balance I received from the apartment complex as of XXXX/XXXX/XXXX was {$2900.00}. The collection company reports the balance as over $ XXXX. I checked my credit report for the XXXX time ever in XX/XX/XXXX and saw that the collection company opened the account XX/XX/XXXX, but the balance was already at over $ XXXX. 

*Left the complex XX/XX/XXXX with a balance of {$2900.00} *XX/XX/XXXX- collection agency reports balance of over $ XXXX *Monthly rent was {$410.00} and another person did move into the room within 2 months of my departure. 


On XX/XX/XXXX, a letter of validation was sent to Phoenix Recovery via certified mail to validate the debt, as the amount is extremely high and I have not received anything from the apartment complex or any paperwork from Phoenix Recovery, stating additional charges were owed between XX/XX/XXXX and XX/XX/XXXX. The letter was also sent to all XXXX credit bureaus. Phoenix Recovery did not respond to the letter at all ; not even mailing a bill. Although, they did respond to the credit bureaus. None of the credit bureaus will remove the debt, even though Phoenix Recovery has not complied with the Fair Debt Collection Practices Act. The letter included my updated mailing address and phone number so there is no reason that Phoenix Recovery would be unable to contact me. 

I understand I have an obligation to pay for the balance of the debt plus applicable fees for the last few years, but the balance is extremely unreasonable and unjustifiable. I also can not pay a company that does not communicate with me. The validation letter is attached along with the pay or vacate notice with the balance due ( along with the dates ). I 've also attached the part of the credit report with the collection information on it. I appreciate any assistance in resolving this matter so I can satisfy my obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Privacy

Complaint: I have had an XXXX XXXX card for years used as a membership card for Costco. Costco switched to Citibank for their membership. Citibank opened an unsolicited credit card in my name and sent it to me. The instructions said to activate it to authorize it. I chose not to activate it. A month lateer I got a bill from Citibank for the renewal of Costco. ' In order to settle with Citibank, first they asked to verify my personal information. After that, they said they could not cancel the card. I would have to go to Costco, and that I owed Citibank for the fee. I finally annoyed Citibank through XXXX and they decided they could cancel the card after all and reverse the charges. I want to know who gave them the personal info, Social Security, DOB etc. I never authorized this to Citibank. I want to know what actions I can take against Citibank and whomever gave them my information. I tried to resolve this through Costco, but they never responded.

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 09-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with SUNTRUST BANKS, INC. (VA).
Issue: Getting a line of credit

Complaint: Suntrust issued two lines of credit using my identity in the amount of {>= $1,000,000} and {>= $1,000,000} Forgery by XXXX XXXX XXXX The first line of credit of {>= $1,000,000} was issued by XXXX, XXXX, and XXXX XXXX from XXXX XXXX on XX/XX/XXXX The second line of credit of {>= $1,000,000} was issued by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX from XXXX of my son XXXX XXXX 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 11-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in XXXX school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous XXXX have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After suffering an incident of identity theft, I placed a fraud alert on all XXXX credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Exeter Finance Corp did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all XXXX agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Exeter Finance Corp to no avail as well. I never consented for  anyone at Exeter Finance Corp to access my credit files nor was I contacted by Exeter Finance Corp to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by Exeter Finance Corp be removed from all of my credit reports.  Please see below for which inquires I am requesting to be removed : XXXX : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Private student loan) with SLM CORPORATION (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have requested several times that all interactions, bills and other changes be sent through the mail and my address has been updated several times online and over the phones. I was set up for XXXX months of auto-payments that I guess ended in XXXX XXXX. But I have never received a single piece of mail, phone call or email about them ending. Sallie Mae has told me my mail is being sent but where is it going? I also provided them with my main email address and phone number and no calls about the auto-payments coming to an end. 

I was told I was set up with an account manager who should be calling me but have never received a single call from her about my account. This is the 2nd time I have had issues with payments and no information was sent to me. I moved in XXXX of XXXX and I changed my address online, nowhere did it say that I also had to call and update my address in order for my auto-payments to be taken out. If I update my billing and mailing address online should that not be entered into their system? If not should they not have contacted me by mail, email or through the phone numbers I have provided? 

The only reason I have realized something was wrong with my payments was when it was reported to XXXX XXXX and my credit monitoring companies let me know something was wrong. Prior to my credit monitoring companies alerts about an issue Sallie Mae failed to reach out to me in any way. 

Once again Sallie Mae says they are mailing my correspondence but I only receive emails saying your Tax information is ready and check your XXXX credit score. That information is not that important when my credit and payment history is being affected because of the lack of communication on the Sallie Mae end. How is it that every month my statement does not make it to my physical mailing address or my email address? But when asked one agent told me I have requested all my information to be sent by mail and another agent told me I had requested all my information to be sent electronically through email? 

This issues with my payments and lack of communication on the side of Sallie Mae is causing me issues when it comes to moving forward in my life because they keep dinging my credit every few months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with Michigan Mutual, Inc. (WA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan to purchase a home in XXXX XXXX. I was a pre-approved $ XXXX with XXXX XXXX, Mi Mutual Mortgages. We moved on with the purchase, did the inspection and they were working on the loan. They kept on asking me for documents over and over and I provided them with everything requested. I was told that everything is ok that the loan is just processing and we are waiting for the appraisal. The whole process was longer that usual and the communication very poor. At one point right after the appraisal was done my lender completely stopped communicating with me. He never answered my calls, e-mails or text messages. Just to find out from my realtor right before closing that the loan was not approved and they need more documentation. Now the file got moved to the company 's branch manager, XXXX XXXX, who took over from here. He was as bad in communication as his employees. The only updates I got were from my realtor and she was trying really hard to keep this communication going. They kept promising us that they would review the file at a higher level in the company. All the emails that my realtor shared with me clearly stated that they would n't approve us, but XXXX kept saying that they were working on it. They even pushed us to get an extension where my earnest money would have been jeopardized. Luckly my realtor did not let this happen, knowing that all we have in hand is a promise. At that point the listing agent got involved and he had his wife, who happens to be a lender try to look at this loan and see if anything can be done. XXXX completely refused this. This is when we found out that Mi Mutual had not even done a verification of employment, almost two months into this transaction, although they had all the necessary information from the beginning. 
Now if they knew so long ago that this loan wo n't get approved then why did they do appraisal? I spent {$700.00} out of my pocket and an additional {$350.00} on inspection just to tell us two months later that they ca n't approve the loan. This is outrageous! 
I tried contacting them several times requesting at least my appraisal money back. It was their mistake from the beginning. I felt like they overlooked and ignored my file until later in the transaction and they were trying to save it all at the end. 
Now when I asked for a resolution and my appraisal money back, I got no answer, no response to my emails or calls. I have received no communication from the mortgage company whatsoever. 
More so, going through another lender afterwards, they would only approve me for max $ XXXX. This is almost $ XXXX difference!!! How can they be so off in their calculations if they had many sets of eyes going over my loan? This is unethical and Mi Mutual Mortgages need to be held accountable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I had taken a loan several years ago with   XXXX   XXXX  , which was transferred to Navient. I paid Navient a payment of approximately {$100.00} per month, which was increased to {$210.00}. per month. I then received a letter on  XXXX  XXXX /17 that my payment would be increased from {$210.00} to {$650.00} a month. I called Navient and was told there are no options to lower my payments-my options were to take a forbearance or pay the high payments which were unaffordable, especially since I have federal loans which I pay as well. I was told there were absolutely no options to make my payments any lower. I immediately had to take the forbearance ( dated  XXXX / XXXX /17 ), and had to quickly apply to refinance the loan through   XXXX   XXXX  . The loan was secured through  XXXX , and I was forced to pay off my loan to Navient dated  XXXX / XXXX /17.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage Company EMC has not complied with the stipulations outlined in the settlement of FTC FILE # XXXX Pgs XXXX of PDF. They failed to correct my escrow account which is clearly miscalculated see pgs XXXX-XXXX of PDF and filed false documentation with the IRS in regards to what they actually received from me See Pgs XXXX-XXXX. They refused to answer the Pennsylvania Banking commisons questions regarding these XXXX matters See Pg XXXX of PDF XXXX line. They excluded me from any settlement monies. Gave my loan to a collection agency XXXX XXXX XXXX without settling the dispute See pgs XXXX. They then told me there was no more settlement money, but they recognized their mistake and would satisfy my loan See XXXX XXXX,XXXX of PDF. Yet they still report this incorrect amount to both XXXX, and XXXX. XXXX. They do not report tis to XXXX. EMC sold my loan to chase. The resolution I want after 10 years of being taken advantage of is this debt totally removed from my credit history. I want them held accountable for violating the FTC settlement which precludes them from misrepresenting the amounts I owe, not compensating me, Violating my rights in regards to the FDCRA by reporting a amount they know is inaccurate. My Escrow Disclosure Statements for XX/XX/XXXX and XX/XX/XXXX do not match my Annual tax and interest statements as they should see pgs XXXX-XXXX of PDF. My rights are being violated and my credit has been damaged for years. First and foremost I want this removed from my credit.

Company response to consumer: Closed with explanation