milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Struggling to pay mortgage

Complaint: In XXXX of XX/XX/XXXXwe decided to build a house in XXXX XXXX, SC. and we put a {$75000.00} mtg on it with The XXXX XXXX XXXX After a year had passed I decided to put a LOC on the house and we did, with XXXX, a {$100000.00} amount. Years went by and we made our payments. In XXXX of XX/XX/XXXXan individual stole 20 checks from my Business ckbk forged and negotiated them. For the first 9 there was money in my ckbk and they cleared but the final 11 bounced and I was held responsible. I served 11 mos incarcerated from XXXX to XXXX. 

During that time period there were no payments made as both my S/S and VA cks were stopped and my wife could not make the pyts on her $ XXXXmo S/S ck. When I was released I immediately called both Banks to attempt to negotiate a pyt program to deal with the non pyts. XXXX XXXX was very ameniable, Nationstar was not. As you can see from the monthly statements, XXXX 's past due amount was {$2100.00} and Nationstar 's was {$17000.00}. I tried without success to find out what caused the disparity, but they would not tell me. Nationstar said they notified me XXXX XXXX ( I never received it ) that they had declined my Modification request because of eligibility requirements : they could not reduce our monthly payment by 10 %. I told them I did n't need to reduce my monthly payment- I wanted them to put my Past Due amount into the Principle amount and change the term. 
They said they could not. I then asked them for a copy of XXXX XXXX 's eligibility requirements and they refused. 

My monthly P & I pymts are : Nationstar- {$400.00} & XXXX 's {$270.00}. That 's a total of {$680.00}. Over the the 12 years we have never escrowed any Taxes, Ins or HOA fees, we have paid them. 

My house has appraised between {$330000.00} and {$350000.00}, leaving an equity of approximately {$150000.00}. At the moment my monthly income is {$3600.00} ( {$43000.00} ) from the S/S, VA and a small pension ( proof attached ). We have a small amount of consumer debt and a car payment. I have attached a filled in XXXX XXXX XXXX form XXXX that was sent to Nationstar XX/XX/XXXX My wife ( of XXXX yrs ) has XXXX XXXX in a XXXX, and recently had a XXXX XXXX and I have no interest in moving. We would just like Nationstar or " XXXX XXXX '' to help us create a program that we can live with for the remainder of our lives. Anything that you need as additional info I will quickly provide. 

Thank you for your assistance XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: My wife and I, who have been home owners for the last 16 years, and who have lived in our current residence since 2009, applied with Quicken Loans to refinance our current first-lien mortgage. We both have excellent credit. We completed all the application and required paper work, and provided all requested supporting documents within the first 6 hours of the process XXXX including tax returns, XXXX 's, XXXX 's, XXXX 's, and XXXX 's ). Since that time it has been over 2 months and we have not received an approval notice and we never received an adverse action notice. In fact, except for a few phone calls initiated by us, there has been no communication. It is my understanding they only have 30 days from the completion of the application to notify us if a decision. During this time interest rates have moved in an unfavorable direction. The more time that transpires the more money we are losing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are many inquires and accounts that are on my credit report that have been open or pulled without my consent. There are XXXX judgements that should not be on there. I went to circuit court and they dont know where they even came from. I disputed this in the past but they still reside on my credit report. I also have numerous inquiries that I am not aware of that are on my report as well. Along with an account for XXXX and XXXX and XXXX that show on my credit report as well. And I have also disputed these accounts as well and they still have not been removed from 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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...

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 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This policy was paid in full. I moved on to another company and they are overcharging me almost as a penalty for leaving them. I want this removed from my credit as this is not a valid balance due. They are trying to make me pay for insurance that I did not use and I consider this a false claim. I want it immediately removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: I bank with Wells Fargo Bank , N.A . and have their Team Member Checking product as a checking account. I opted out of debit and credit transactions when opening it, so that prevents them honoring a charge with the VISA card attached to my account if the funds are not available, it will be declined. It was explained to me in the past that this does not apply to automatic, scheduled monthly payments to my account that use my routing and account number. 

I signed up for an XXXX XXXX trial that ended yesterday, XX/XX/XXXX. I logged on to XXXX today and strangely, the banner read that the {$99.00} for XXXX would be charged in XX/XX/XXXX. I cancelled it, then I got a message saying that it " would be refunded '' to me. I also thought that was strange. 

I logged into my Wells Fargo checking account and I saw it was overdrawn, and that I had a {$99.00} charge from XXXX. Which was incredulous to me per what the banner told me! What 's more, it is not a monthly charge, and XXXX charged the VISA attached to my checking account, and since I opted it the transaction should have declined anyway. 

Since I have been educated numerous times on this with Wells Fargo in regards to how it works with scheduled payments that use routing and account numbers, there was no need to complain with them, they are simply trying to get over and abuse me with fees, this is why I opted out, so moments like these do n't happen. That transaction was to decline, XXXX did not use my routing and account number, and it was not a monthly, scheduled payment anyway.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
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 originally sent TRANSUNION a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   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 non-monetary relief
Consumer complaint received 08/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Transaction issue

Complaint: I 've had an AmEX CC for seven years, paid my balance in full every month without exception ( and have a perfect credit score ). Between XX/XX/XXXX and XX/XX/XXXX. and after receiving a new, I was told, " higher security '' card, I was forced to call AmEx in sum seven times because my " new '' card was repeatedly " declined. '' On XX/XX/XXXX I cut the new card into XXXX pieces and mailed to AmEx CEO XXXX XXXX ( my 2nd letter to him, my first sent XX/XX/XXXX ). I have to believe this meets the definition of deception, i.e., they made it impossible for me to use my card to conduct a legitimate business/make a legitimate business purchase. My wife 's theory is since I pay no annual fee & again pay my balance in full monthly they were not making any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a names listed on my credit report stating I have used. I have never used the names XXXX XXXX or XXXX XXXX XXXX. I have only used my own legal name and I would like to find out where, when and who these names were used for.

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 12-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I never agreed or signed documents for a loan with tjis company. Now they are appearing on my credit. I was denied home loan because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (OH).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I got a car loan from XXXX XXXX on XX/XX/XXXX and I had gotten behind on my payments. They said I had been given nine extensions, but could not send me proof. This year XX/XX/XXXX I caught up on my payments. In XX/XX/XXXX I talked with a man named XXXX and he took my XX/XX/XXXX bill on XX/XX/XXXX. He then told me that I had been paying on this loan since XX/XX/XXXX, gotten behind, but still owed over 15,000 thousand dollars. I don't understand how I paid XXXX for 4 years and still owe that much money. I am behind on XX/XX/XXXX payment because my husband had a XXXX XXXX XXXX and we cant afford to pay. I am XXXX but can not receive money due to my husband 's income ( before his XX/XX/XXXX XXXX  ). They suggested I voluntary give them the car back, they would sell it and charge me the difference. They wont let me refinance or even lower my payments. They are very rude and talk down to me. They don't call anymore, they send a letter everyday, and emails. I don't want to give the car back, I want to make payments to them but they don't want to work with me. I just called the automated assistance with regional acceptance, my bill is XXXX. I still owe XXXX if I pay it before XX/XX/XXXX. My principle balance is 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 12-06-2016 about Credit card () with BB&T CORPORATION (SC).
Issue: Credit line increase/decrease

Complaint: I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed XXXX hard inquiries on my credit report. 
I contacted BB & T and explained the situation. The agent ( XXXX ) I was speaking to had her Supervisor ( XXXX ) listen to my original phone call and she confirmed that I made the request NOT to perform a hard inquiry on my credit report. XXXX send a dispute request to the XXXX to remove these inquiries from my credit report. She told me it could take up to 10 days to file with the credit bureaus and 30 days to see the update to my credit report. I asked for an email confirmation of the discussion we had and I figured everything was solved at this point. I never received the email confirmation. 
A few days later, I received a letter in the mail from the BB & T Bankcard Services stating they concluded that the information was reported to the credit bureaus accurately and closed the dispute. Keep in mind a few days earlier the supervisor ( XXXX ) listened to my phone call in which I specifically said not to perform a hard inquiry and admitted fault. I was confused in their finding so I called BB & T again and they informed me I could not directly contact the BB & T XXXX department and they could not tell me what information they provided that department for their investigation. The agent said the only thing I could do at this point is contact the XXXX credit reporting agencies. 
I first contacted XXXX and they said that they could not do anything about removing the inquiries on my account made by the bank. All I could do is file a police report and file a complaint with the CFPB. 
That is where I am at right now. BB & T has a recording of the original phone conversion in which I specifically asked for them NOT to perform a hard inquiry on my account but their internal XXXX department found they were not at fault for the XXXX unauthorized hard inquiries on 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 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I believe I am a victim of fraud, the inquiries do not belong to me.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for a student loan through Discover- Student Loans XX/XX/2015. I had to ask my father to co-sign with me. Discover approved me for {$8500.00} to cover classes and books for my 11 month XXXX at University XXXX XXXX XXXX. LOAN # XXXX was approved at 7.115 % - my dad and I accepted this offer - variable rate. Discover 's loan center sent my certification docs to the wrong department which caused a delay in timely communication between my school and Discover. I actually started classes and was told by XXXX that Discover was faxing to the wrong place. I had to call Discover myself and let them know what they were doing. I was told they had a wrong number in their system. A few more weeks go by and I am told by the university they have still not received any funds or certification. I had to call Discover again - only to find out that they were still faxing to the wrong dept. They were sending my certification to the XXXX XXXX XXXX XXXX dept. at XXXX instead of the Law dept!!??? Additionally, I was told that they had to pull my credit again and increase my rate. This is due to them pulling my credit when I first applied and now they are pulling it again - this caused my score to drop. I asked them why they would pull my credit without my permission and raise my rate due to errors they have made? To make matters worse they continued to send my documentation to the wrong departments for the next several weeks. At one point weeks and weeks into this, they re-characterized my loan from an XXXX loan to a XXXX loan!! AGAIN - pulling my credit and increasing my rate!!! ALL TOLD, Discover dropped the ball countless times, making mistake after mistake and kept pulling my credit and writing more expensive offers every time!!! When I called to file a complaint about all of their errors and how they need to honor they first offer, and remove the hits to my credit report - they told me it was against the law for them to fix this!!! WHAT??? In the end, I have received XXXX different offers over the course of 8-10 weeks that increased rates with each forthcoming offer. Please help me correct this - I think what they have done to my credit report and the audacity to keep sending me higher rate loan offers is exactly why your agency was created. To keep consumers from getting railroaded by companies who 's service is terrible and who refuse to take the steps to correct their big mistakes!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: I have asked Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) to provide me with document to show me how did they lose {$22000.00}. What i mean is document shows itemization. i have contacted them twice and each time they promise someone will call me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are trying to collect a debt that does not belong to me just because the person has my same name, and they Obtained my information illegally without my permission, they are doing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My wife and I were denied a XXXX XXXX XXXX. 
The reason given was that we opened 5 or more credit cards in the last 24 months. 

I think XXXX has incorrect information and can not get help from Experian to correct or find out what cards I have opened in the last 24 months. 

Many letters and phone calls have been made to both. 

Can you please help me? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX home XXXX cell 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