milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Rewards

Complaint: I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Trouble during payment process

Complaint: We were approaching 80 % of o ur LTV thr ough  XXXX , our previous mortgage company, which told us through their amortization schedule that at {$190000.00} we would be at 79.9603 % and under the 80 % required to drop PMI. Around  XXXX  of  XXXX  our mortgage was bought out by  Specialized Loan Servicing. Alth ough we have been paying ahead of schedule, they have never sent us an amortization schedule even after we have requested it. On  XXXX   XXXX ,  XXXX  we inquired about the removal of PMI for our mortgage, since on  XXXX   XXXX  we paid down our mortgage to {$190000.00} and below 80  % of our LTV wh ich  XXXX  Mortgage and  XXXX  agreed was our init ial LTV rati o. Whe n SLS ( Specialized Loan Servicing ) too k over our mortgage they never sent us an amortization schedule. After receiving the email they claimed that we were not at 80 % and needed to prove our house had not lowered in value by signing papers to have SLS charge for a BPO/Appraisal for up to {$800.00}. They then told us we were not at 8 0 % LTV because instead of using the original house appraised value or the sale price they claim and are continuing to claim that they are allowed to use the original loan amount as their LTV base number. The appraisal price was {$240000.00}. The sale price was {$230000.00}. The original loan amount was {$220000.00}. We paid 5 % down on the house and SLS is not including that into their calculations for LTV. This is elementary math. How can a mortgage company run with em ployees that can not do elementary math. They have since charged us 3 months worth of PMI at {$88.00} per month claiming that we are not eligible to remove our PMI. We have since sent another email on  XXXX   XXXX , again asking for PMI removal. They did not respond, when called later they claimed that they assumed the " issue was closed ''. On  XXXX   XXXX , we provided evidence through a fax, that we have met all requirements necessary from our mortgage company to remove PMI, we also included a real estate market comparative analysis/BPO that our house has not only maintained its value but increased in value by 8.5 %. They did not respond. Again we followed with a phone call and they continue to argue that we are not at 80 % but believe we are at 82 %. Our current loan balance is {$180000.00} or 79.71 % of the original sale price of {$230000.00}

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 03/28/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX a debt collection agency has been reporting inaccurate information to the XXXX major credit bureaus. Years ago I received phone calls harassing me to pay off a collection debt. I simply explained that I 'm not able to pay, due to rough times. I asked them to please stop calling me. They never stopped calling so i changed my number. During the harassing phone calls they threatened me that they will report inaccurate info to prolong the 7 year fall off, until paid. It has been 8 years already and i recently paid the collection. Unfortunately, due to the inaccurate information they reported of being a collection account opened at a false date, is prolonging deletion. The original credit account was closed out and handed over in XXXX. 
XXXX XXXX is reporting, opened in XXXX. Simply to extend the 7 year mark. 
I contact XXXX, which is the original creditor. 
Being a very old charge off account, they do n't have record. 
XXXX XXXX is basically reporting whatever they find damaging towards consumers. XXXX XXXX is n't reporting actual dates from time of original close out event. 
Not only do they call and harass me back in XXXX. They literally made life difficult on getting approval of any loan. Its been 8 years and I still have them reporting inaccuracies to the credit bureaus. Despite paying them off, they still are a shady collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Payday loan) with Resource Management Group (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This debt is over XXXX years old I believe and I have never recieved any legal notification from them. The collection agency misrepresented themselves as a possible government agency, tried to tell me that " it looks like I defrauded a financial institution '' because the check I wrote bounced and that I have pending " charges '' against me, alluding to criminal charges. They threatened to garnish my wages and contact my employer to seek garnishments with no legal right to do so since they have never sought any legal action against me and private companies can not garnish wages unless they 've sued. They were threatening, misrepresenting of themselves ( i had to force them to identify themselves as a collection agency ). Once I made it clear that they were breaking the law, she hung up on me and when I called back to get their address and legal information it was refused until I had to yell because I refused to give him my name. He refused to give me the company 's legal name and address until I yelled. It was staged on purpose to get me to yell. It took almost XXXX minutes before the person would give me the address of the company ( Resource Management Group ) and would only give me a XXXX in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing violated the XXXX XXXX XXXX laws of privacy, contacted my insurance company without my permission, paid off my homeowners insurance which was already paid n full and WAS NOT a requirement of my escrow ( real estate taxes only ) this created a double payment of my insurance, and created a deficit in my escrow. When my insurance company sent me a rebate, I contacted Ocwen, they told me to sign my insurance rebate back to them, they then illegally took this check and applied it to my principle, once again without my permission. They have so XXXX up this account in the 90 days that I have had my account with them, that I no longer have confidence in Ocwen 's competence in handling my money. I have also done research and found that this is a common illegal practice that Ocwen is doing to customers in an attempt to undernmine the consumer. This is a direct violation of the UDAAP laws designed to protect consumers. I demand that Ocwen stop acting illegally and without my consent to conduct my business. I have contacted an attorney and am ready to file a lawsuit for these outrageous and nefarious mishandling of my finances. I demand the account be returned to the original payment of {$1600.00} ( principle, interest & RE taxes ONLY ) I also demand that they pay a fine as outlined under LB and UDAAP directly to my principle, and pay me for 4 hours of my time ( $ XXXX ) IF THIS CAN NOT BE REMEDIED IMMEDIATELY I WILL SUE. I DO NOT HAVE THE TIME TO DEAL WITH THE UTTER INCOMPETENCE OF OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Account Numbers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX ) Re : Social Security No. : XXXX The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting associated with my Social Security Number to the XXXX credit agencies and remove all late reporting as my loan was transferred to several collection agencies while I am trying to pursue work-out options for my private student loan. As I have accepted your agreement on a debt settlement and had my attorney confirm the details in writing and have yet to receive final confirmation from XXXX on the terms. Over the years I have filed pleas to whereby I could make payments more affordable and filed numerous complaints with CFPB to resolve this very serious matter. 
Recently, I have begun search for a more financially rewarding career with promotional potential within the Federal government and it has come to my attention that my late payment ( s ) with XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and getting security clearances. In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ) and removing duplicative entries by the third party collection agencies. I sincerely hope XXXX Bank home mortgage believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. While I understand that it is true that I have been late ; gaining meaningful employment with a salary whereby I can repay my mortgage documents that I am making definitive and positive strides. I would be happy to furnish my job applications and interview logs where I have been competing against XXXX applicants and securing XXXX and XXXX interviews within the Federal government. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing on if consideration can be granted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX owns loan. Select Portfolio Servicing services this loan. Debt & loan in Ex husbands name. I paid cash & owned the house. Due to me cosigning the loan. He lost his job and is in the arrears ( court ordered ) to me. SPS has a sale date on the house set for XX/XX/2017. 
I called a lady at XXXX today-XXXX @ XXXX ext XXXX. 
She said she ca n't help but told me to file this complaint with you as I have ask & begging SPS to open an Assumption Loan/ Simultaneous Loan Modification Review with reduced payments based on my XXXX income. PLEASE HELP!!!!!!!!!!!! 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I was applying for a refinance loan from Loan Depot. I submitted all of the loan paperwork requested of me by XXXX/XXXX/16. I was told everything was fine and that we would be good to get the loan approved and funded. This was a zero closing cost loan. On XXXX/XXXX/16, I receive a call from loan depot asking me to retrieve additional loan paperwork documentation for additional income verification and income ratio documentation. This would normally not be an issue however I was told that if the loan did not process by XXXX/XXXX/16 that I would be subject to an {$1100.00} " rate lock extension '' fee. Given that XXXX/XXXX/16 was the day before XXXX weekend and I was going to be out of town the entire weekend, I would likely not have all of the paperwork in time and processed by XXXX/XXXX/16. I felt this was a bait and switch tactic used to extract a made up fee from me when the delay was completely the fault of Loan Depot. I also believe they wanted this to fail because interest rates had gone up so they felt they could excise this fee on me because I would not want to lose my rate. 

I believe this to be the case because the call for extra paperwork come in over a month after the initial documentation and was timed right before XXXX to make it nearly impossible to avoid this fee. Loan Depot was characterizing this as if it was my mistake when they had ample time to process the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with CITIBANK, N.A. (TX).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I agreed to just applying to see if they would accept me on getting a sears card, ( I did n't know any better ) which I was declined ( rejected ) therefore I figured it was for the best and left it alone. I did my checking and came to find out it shows up as a hard inquiry affecting my credit score. Even after been rejected and never applying again.

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 06/15/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: They would not modify my XXXX mortgage under the HAMP program even though I modified my XXXX mortgage with XXXX and made unlawful threats to me by stating they would arrest me, seize my property, garnishment of wages, and foreclosure, and used loud and abusive language, mocking my financial struggles, and yelling and cursing at me. They also added insurance to my account and told me they would not allow monthly payments and wanted the entire balance up front. The company also revealed debts to my employer, neighbors, and family members, and encouraged them to tell me to pay the debt or help them pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' My personal information was confirmed to be compromised via their website, www.equifaxsecurity2017.com.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX 

However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home. 

As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply. 

This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.

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 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX different alias and XXXX social security numbers listed in my credit report that are not mine. 
I only use XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX The following social 's reported are not mine : 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 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax agree on XXXX/XXXX/2014 to remove the account from XXXX XXXX XXXX and Simply XXXX. However when I checked my credit report last week this was still on my credit report as a collection. I have attached the case XXXX where they clearly stated this account would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi, I had opened a case and your emails were going to a junk folder. I absolutely still need your guidance and support. 

Experian has been unwilling to remove inaccurate reporting based on XXXX BK I filed in 2007. The courts changed the type of BK so it shows as XXXX when in fact it is only XXXX. I have provided them with all the proper documentation. 

Additionally, I continued to improve my cursory usage and have flawless payments yet they continue to slaughter my score lowering XXXX points lower at least once a month. 

PLEASE HELP. Best # XXXX. Best email XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX i transferred XXXX GBP to my coinbase euro wallet. The money left my XXXX XXXX account in XXXX and was not deposited in my euro wallet. 

I used the bank details provided by the mobile app at the time, which did not state that the deposit needs to come from an account that matches my verified name. 

I have since tried to make contact on many occasions. 

these include - email XX/XX/XXXX, XX/XX/XXXXr and XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX So 6 times in total, the phone lines are always too busy and service just hangs up

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This case was never closed and it is currently showing the status in progress. This has been going on since XXXX. Do you think this is just a little past the XXXX time-frame? I demand that the items posted in the XXXX be deleted from my credit report forthwith. Equifax is in direct violation of the FCRA guidelines and conditions. The CFPB is supposed to be on our side and protect the consumer. I do not see any protection or enforcement here.

Company response to consumer: Closed with explanation