milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I lost employment in XXXX XXXX and can not work due to an injury on that same job in XXXX XXXX. I contacted my mortgage company to apply for a Modification. At the time My income was over {$XXXX} per month for three months ( until my contract as a XXXX ended ). I explained that after that time my income would end and I would be on Workers Vompensation insurance. I did receive a Modification that reduced my mortgage payments from just over {$1200.00} per month to about only {$1100.00} per month. After one year, XXXX XXXX, I called again to see what help I quaualified for and was told that I 'could n't get another modification within two years '. I told them that I did n't think that was the law. I was also informed that I would be considered for forms of help. The result was I did not qualify for any help from Wells Fargo Mortage although I have been a mortgagee for over five years had a good payment history for those years. I informed my representative that I was unhappy and believe they trying to force mebintonforecliser. I am XXXX years who have divorced for over 13 years. So, I needed the temporary help until my injury is treated and I return to the workforce. I am very displeased that they dropped my mortgage payment about {$100.00} after the Modification. However, when I contacted them in XXXX XXXX I was seeking temporary help until I was able to return to work. However, I was asked about selling on a short sale and other questions that led me to believe they rather force me to foreclose. Sine, that time, I have received letters demanding that inpay XXXX payments or more at a time to catch up. I told the representative that I could stay near caught up ( XXXX payments behind ) until such time as I file for my income tax refund in XXXX XXXX. Although the company when through all the protocol required to help me, I feel that their intent was not to consider me for another Modification, nor for other help. They continue to ask if I want to keep my home as a standard question. I have always told them Yes. But, I do n't believe that they are theists rested in helping, even temporarily. I need for them to help me with lowering my payments for as long as it takes me to get on my feet from the injury.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with Retail Merchants Associates (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit Bureau of Louisiana added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before the collections were reported. Credit Bureau of Louisiana put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I reported this to the XXXX and Credit Bureau of Louisiana responded that they allegedly sent a letter to an obscure address and because it did not come back, they can assume I received it. It was not sent by certified mail, which would give them actual grounds to say I received such a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Credit reporting company refuses to remove or delete Not validated information by Creditor within 30 days.

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 10/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: My mortgage was with Wells Fargo. I received an offering from them to refinance my mortgage at a lesser rate. I went through the loan process and was approved. An appraiser was sent to my home and the appraisal was {$370000.00} when we were expecting an appraisal of over {$500000.00}. The home and property was appraised 6 years ago at {$540000.00}. The home and property is in the XXXX XXXX, TX area. The appraiser who did the original appraisal and the questioned appraisal is the same person. She did not remember doing the original appraisal. I asked Wells Fargo to ask the appraiser for a reconsideration appraisal. Wells Fargo led me to believe the appraiser refused. The appraiser would have been willing to do a reconsideration after realizing she had done the original appraisal and the large discrepancy had occurred. I asked Wells Fargo to refund the {$650.00} I paid for the questioned appraisal and they refused. I went to another mortgage broker, had another appraisal by a different appraiser and the appraisal of the home and property was {$530000.00}. I have a new mortgage but feel Wells Fargo did not due diligence in the matter and cost me {$650.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX To Whom it May Concern : I am disputing the eight ( 8 ) Federal Tax Liens on my Credit Report. 

As of today, Transunion has not removed the Federal Tax Liens from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XX/XX/XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. 

Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. 

My eight ( 8 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is NO Date of Birth ( DOB ). 

Based on the NCAP Rules that became effective XX/XX/XXXX, I am disputing the Federal Tax Liens on my Transunion credit report and I request they be removed accordingly. 

Thank you very much, 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 11/29/2016 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Billing disputes

Complaint: I used my Lowe 's credit card to make a purchase that qualified me for an interest deferred offer from Lowe 's credit card. The interest deferred deal was supposed to be good till XXXX XXXX. In XXXX XXXX I made a purchase using my Lowe 's credit card in the amount of {$220.00} - I made a payment of {$300.00} in XXXX XXXX, which more than covered this purchase and in XXXX I made a payment of {$120.00} to ensure I had more than covered the purchase made in XXXX, so as to not be charged any interest. Upon reviewing my statement ( Lowe 's credit card in essence forces the so called paperless billing down your throat which makes reviewing your statements more difficult than when receiving them in the mail ) I noticed that they had charged me interest. I called their customer service number, XXXX and spoke to XXXX. Basically he tells me that this charge of interest is within their agreement and too bad so sad for me. These slobs lure you into a deal then find an excuse to XXXX money out of 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 monetary relief
Consumer complaint received 07/21/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/XXXX at XXXX EDT, called Citi at XXXX Requested Citi Thank you credit card account XXXX XXXX XXXX XXXX to be closed. After resistance and repeated attempts to retain the account, I was advised the account would be closed. I then received monthly statements ( No payment due ). I called again, on XXXX/XXXX/XXXX at XXXX XXXX. was advised a glitch in the system caused the paper statements to be sent and that at cardholder request, the account was currently closed. Since then, I have received numerous statements via mail, indicating I have no payment due, a XXXX cent credit balance and a credfit limit of {$6500.00}. The account was never closed despite my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I ask Experian credit bureau to delete old inaccurate information, which they have return a letter with an statement that saids we received a suspicious letter and we determined it was not you. I want them to delete old inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problems caused by my funds being low

Complaint: Bank of America can instantly email you, to tell you when you 've made a deposit or withdrawal. But if you sign up for email notifications for a low balance, or insufficient funds/overdraft notices, the emails take up to a day to be sent out. 
By the time I receive the notification, it 's too late to do anything, and I just have to deal with multiple overdraft fees.

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 03/30/2017 about Debt collection (Medical) with ERC (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Student loan (Private student loan) with First Associates Loan Servicing LLC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: So I got a student loan to attend XXXX XXXX in XXXX Ca. From XXXX XXXX ( XXXX XXXX XXXX ) Also known as XXXX XXXX out of XXXX XXXX Ca. As I was paying my loans and I started to notice my loans are going up. I called them to find out why my loans were going up. I was told that they fluctuate with the market. It went up like a Dollar or two. 

I told them I didnt think it was legal since I believed that the loan was supposed to be a fixed rate. So I requested a copy of my contract and was told they would send it to me. Well know contract was sent and I forgot about it. 

Then one other time I went to pay my payment and noticed this happened again so I called again and was told the same thing that it fluctuates in the market. So again I requested a copy of my contract and they said they would send it still got nothing. 

So last month ( XX/XX/XXXX ) I went to pay my loan and there it was again my loan went up. So I checked my bank account and searched it and found that 1 off my loans went up XXXX in 18 months. I have a 2nd loan with them that also went up XXXX in 18 months. 

I need some advice or to find out if this is legal. If this keeps happening I dont see know way to pay this off because it keeps growing. 

I will call them and they will probably tell me the same thing they told me last time and I will request a copy of my contract and will never get it so maybe I will have to go see a Lawyer about this. 

This is the money and dates the loan went up, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX XX/XX/XXXX went up XXXX I just think they are ripping people off. If not why wouldn't they send a signed copy of my contract stating this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I got a personal loan out from XXXX XXXX ( now Navient ) around 2006, for XXXX. After receiving my XXXX, I decided I did n't need the other XXXX, so I called them to cancel the other XXXX. I never got anymore checks from them after that. But I am still being charged my full loan for XXXX. After calling them to dispute the XXXX, they said that they sent the money to the school directly, but that is not true, because it was a personal loan, so why would they send it to the school? I have check stubs from the XXXX I received. Proof that i never received the full XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, I requested Equifax to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Equifax a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sent a Debt Validation to this company once I realized they are listed on my credit reports XXXX XXXX, 2017. The collection agency failed to validate debt. They " did not validate the debt in the required time frame, only after was incomplete proof provided in the form of a final bill. A bill statement does not obligate me to pay. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My Bank of America debit card was stolen in the mail, activated by someone other than myself, and used to withdraw {$1000.00} and accumulate an additional {$8.00} in ATM fees over the course of two days ( XXXX XXXX and XXXX ).
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This was my initial card received and Bank Of America has done nothing to help this fraudulent activity. During the appeal process I asked that Bank of America not send any more personal information to my address, they agreed but then proceeded to mail the information rather than email as I requested. Bank Of America has been completely unhelpful in the situation.

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 04-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a debt with XXXX XXXX, a hospital in XXXX, AZ. This happened right when the branding was changing from XXXX XXXX to XXXX. I received many letters from many departments that all had something to do with a particular emergency room visit. After paying this, apparently there was another piece. I never got any other notices, nor did I get a single bill ever from Central Financial Control aka Syndicated Office Systems. This just suddenly appeared on my credit, and after resolving the debt, they refused to delete the line item. Many many collectors will do a paid in full/deletion, as it does my score NO help by having a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was notified on XXXX/XXXX/XXXX by the website that Equifax set up that I was potentially compromised in their recent security breach. I have not enrolled in their ID monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I moved from my apartment on   XX/XX/XXXX  and stopped service with  XXXX  on  XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the  same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes.   XXXX  I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from Continental Credit Control stating that I owed money for medical services. I promptly wrote back stating that I denied this debt, and asked them to provide me billing statements, when they obtained this debt, an itemized statement, did they bill my insurance, etc. I wrote to them twice. I did not receive the information I asked for. Instead I only received something that looks like billing codes from the doctor 's office. I then received a notice from Continental Credit Control that they were going to report this debt on my credit report. I think they have a duty to provide me with the requested information before they can take further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017, I discovered XXXX under account numbers # XXXX, # XXXX, and XXXX had been re-inserted into my credit file. The accounts were originally DELETED on XX/XX/2017. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 06/22/2016 about Credit card () with ALLY FINANCIAL INC. (TX).
Issue: Other

Complaint: I have tried at least 7 times to use my credit card online in the past and I have errors for decline due to my Ally bank 's security measures which are blocking it and I have all the information for billing exactly the same and it 's a false problem. I keep asking for it to be fixed and it does n't fix. I have to deal with this XXXX over and over and over

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