milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Specialized Loan Servicing. I have been paying PMI for four years now. I currently owe {$250000.00} on my loan. I asked that my PMI drop because the current value of my house exceeds 20 % of what I owe. They sent an appraiser and they determined my home was only worth {$290000.00}. I currently have two houses for sail in our neighborhood ( one is my neighbor ) for sale for {$350000.00}. My house is one of the largest in the neighborhood and it is estimated value online at {$390000.00}.

I asked them what the appeal process was and was told they have none.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: When I request my credit report via XXXX, everything works fine for XXXX XXXX and XXXX. However, when I submit a request to Equifax, I get the message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit report online. '' This has happened on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. I suspect they are using this as a way to avoid their legal responsibility to provide the credit report free of charge to consumers. Most consumers will not bother to send a mail request. I 've got no way to determine if this is true or not, but it would be instructive to learn if the number of Equifax reports issued differs signficantly from the other XXXX bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Four years ago, I applied and received a Step Rate Modification Home Loan at Wells Fargo Bank. The interest rate on this modification will reach its cap rate in XXXX XXXX. That rate will be much higher than the current rate ; therefore, in XXXX of this year, I applied for a new home loan modification. 
I received a letter from Wells Fargo on XXXX XXXX, XXXX indicating that an escrow account would be established as a part of any new modification process. On XXXX XXXX, XXXX, I received a letter stating that I was denied the requested modification due to my NPV. I appealed the denial and that appeal was also denied. After the second denial, Wells Fargo attached an escrow account to my current loan. This is not in accord with our original loan agreement. Now, my loan includes my property taxes and home insurance. This results in my monthly mortgage being elevated to a level that is difficult for me to pay. 
Most of my finances are paid to me quarterly, not monthly. Adding the Property Tax to my monthly home loan will cause me an unwarranted hardship. I explained this to Wells Fargo. I have owned my home for 20 years and have never failed to pay my property taxes or home insurance. In addition, I have always paid my mortgage before or on the due date. 
I feel that the new escrow account attached to my loan is an injustice ; it causes me financial hardship. Wells Fargo is not honoring the original modification agreement. In addition, this escrow account was established after I applied for and was denied a new modification. 
Two years ago, Wells Fargo attempted to implement an escrow account that was not a part of my loan agreement. At that time, I contacted your office and your office resolved the matter. Please assist me in resolving this matter again. 
I continue to get correspondence from Wells Fargo indicating that they are looking into the matter. Meanwhile, I continue to have property tax and insurance added to my monthly mortgage statement. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/2018 I contacted my Ditech to get a payoff on my mortgage. They refused to give me a loan payoff amount. In addition, they told me that paying off the principal amount of the loan would not pay off the loan unless I knew how much the payoff was, sent that payoff to an address other than the normal payment location, and used a certified check from the bank to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX XXXX, this XXXX XXXX dispute belongs to my XXXX father, XXXX XXXX XXXX XXXX but is wrongly being associated with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Medical debt) with Fresno Credit Bureau (WY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previously filed a complaint against XXXX XXXX on XXXX which XXXX XXXX falsely claimed that I had used an insurance card at doctor visit when in fact I received a " self pay '' discount and did not use an insurance card. XXXX XXXX has now come back to me requesting that I complete a " identification fraud '' form, however this is bogus since I never requested Colorado XXXX XXXX to perform a lab test and I never received any lab report from CLS for alleged lab services. The amount of {$200.00} has been reported to credit reporting agencies in violation of state and Federal law, and XXXX XXXX has NOT removed this false report from my credit history. Further, XXXX XXXX in their response to XXXX claimed that the alleged charges are reasonable but I found that CLS, a member of XXXX XXXX XXXX XXXX is generally XXXX to 35 % higher than other Colorado XXXX labs such as Quest, XXXX, or the XXXX Hospital or XXXX XXXX labs. The primary complaint is that I did not order the lab tests, would have been self pay if so ordered, and I would have used a cheaper but competent lab. This debt is FRAUD, and XXXX XXXX should be charged with FRAUD.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with Atlantic Credit & Finance, Inc. (OK).
Issue: Problems when you are unable to pay

Complaint: Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.

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 01/22/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with ACIMA CREDIT, LLC (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed in XXXX and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due. They are also changing dates on the reort to reflect a more current status. I have attached a copy of experians own investigative report from XXXX as proof of this.

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 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay mortgage

Complaint: I applied for a modification XXXX XXXX. I had a NSF which terminated the modification in XXXX XXXX. I attempted to pay a mortgage payment, the payment was denied. I was informed by the mortgage co, I needed to pay the pass due amounts. When I questioned where was the monies I paid during the time I was in the modification, I never received a clear understanding of what the monies were applied to. I was advised that I could apply for another modification, only to find out that, that modification was denied also, reasoning was you can only apply for a modification once every 2 years. I applied for my 401k to payment my mortgage payments. The first request was denied from my 401k, because I needed to request a form from the mortgage company which I did. The 401k request took time and the mortgage co was made aware of my every attempt to pay my debt. Now I have the money to pay to debt from the letter the mortgage co sent me, the debt is outstanding now, because more fees have accrued. I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent Equifax, XXXX and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX   foreclosed on my home in  2011. I was p art of a class action suit against them and received a very small amount of money as compensation. I have sent various letters to  XXXX  and to the  XXXX  major credit reporting companies.  XXXX  sent me back a letter stating they could not locate my account and asked that I provide them with validation information and copies of my credit report. I then sent a letter to  XXXX , Transunion, and  XXXX  -- disputing that  XXXX  could not validate my account.  XXXX  removed the foreclosure from my credit report. Transunion and   XXXX   have not.   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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made disputes to both   XXXX   and   XXXX    regarding information reported on my credit file that is not correct.  XX/XX/XXXX  made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XX/XX/XXXX  and after a re-investigation, I received an email that advised me to call   XXXX   for further information if I still dispute the item. When I called  XX/XX/XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.   XXXX   stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency " Convergent '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.

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 05/14/2017 about Checking or savings account (Savings account) with U.S. BANCORP (OR).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: People opened both a checking and a saving USBank account under my name, using my  Social  #  XXXX .  XXXX   XXXX   XXXX . I have reported repeatedly about an ongoing Identity Theft issue with  XXXX   XXXX   XXXX , who lives with me at  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX . Her Social Securit y Number  is  XXXX . This  US  Bank account has been opened fraudulently behind my back on  XXXX   XXXX ,   XXXX  . Actually, a saving account #  XXXX  and a checking account I do n't even know it 's number. I called  US  Bank at   XXXX   XXXX   XXXX   XXXX    USBANKS  on  XXXX   XXXX ,   XXXX   to put a hard hold on both my accounts, but it was not the case. Later on I learned that both my checking and my saving account have been compromised, with  XXXX   XXXX  ordering checks under my name and using my Social Security  No. I  then learned and realized that she and her husband  XXXX   XXXX  were using the fraudulent accounts that they have opened fraudulently under my name to launder money. The check book cost me {$30.00}, for example. There were {$50.00} transactions being deposited and withdrawn back and forth, despite me calling dozens of times since  XXXX / XXXX /  XXXX   to make sure that the exact nature of these things did n't take place. I believe both accounts are closed now but not before my identity has been compromised and my credit rating gone through the mud.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's databases were left unsecured and my information was stolen by hackers. My identity has now been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and Experian. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 
Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous 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 explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my numerous requests to investigate and remove accounts from my credit report that were opened fraudulently.

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