milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a mail ad in   XXXX   saying I can get {$200.00} bonus by opening a checking account and completing direct deposit tasks. I followed the instruction on the ad and applied for one checking account online and the application was pending.
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On XX/XX/XXXX , I received an email and a call from one USBANK employee asking to verify my ID. In the email I replied to her, I asked her to confirm I have entered the promotion code and could get my bonus. She opened the account, sent an email to me with my account information and ignored my confirming request.
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On  XX/XX/XXXX , a few days after I finished my first direct deposit, I emailed usbank and asked about my welcome bonus. The usbank employee confirmed that he saw my direct deposit and asked me to finish another deposit and waited for 6-8 weeks before USBANK could apply the bonus to my account. So I did and waited for 8 weeks.
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I emailed USBANK in mid   XXXX   and this time USBANK claimed they could n't see my promotion code. I sent them the previous emails between me and USBANK and the USBANK declined my request.
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I am sure I entered my promo code and even if I did n't, I had asked confirmation from 2 USBANK employees and asked them twice to confirm my bonus and they had 2 chances to tell me there 's no way I can receive one. Instead, the first employee opened the account and dodged my question and the second employee who had clearly pulled out my account information to confirm my direct deposit, deceived me into finishing another direct deposit and holding the account for anther 2 months.

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 08/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with HireRight Solutions, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was going through the hiring process at a recruitment firm and they were doing the background check through HireRight. HireRight reported that my Social Security Number ( SSN ) was issued between XXXX and that they issued a warning about it. I went to the Social Security Administration twice to confirm that they had issued me the correct SSN number and they stated that it was issued in XX/XX/XXXX. I tried to speak to HireRight about this to no avail and also sent them documents from the SSN Administration officej but that did me no good. The company ended up pulling my offer and said that they could n't hire me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a new customer to SLS. In XX/XX/XXXX i received a letter stating my monthly payments will be going up from a modified {$740.00} to XXXX. I called them to see why they informed me it was because of the escrow and insurance. I understand about that but im on fixed incom. I am use to my mortage going up yearly never this much and never without the option of paying it in a lump sum or spreaded out over 12 months. I have talked with every department in SLS with no sympathy. All i wanted was someone to work with me to get my monthly payment with my escrow and taxes spreaded out over 12 months so i can afford it every month not from {$740.00} to {$1100.00}. I was even told by SLS to sell my home or sell it for short sell.

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 06-11-2015 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Account opening, closing, or management

Complaint: As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have told Real Time Resolution that I do not owe the debt due to ID theft and and I sent documentation to XXXX am XXXX and to XXXX. They have refuse to be non biase in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with DISCOVER BANK (CO).
Issue: Balance transfer

Complaint: I applied for a discover card to transfer XXXX balances from other cards. I was denied the card. At that time I was asked if I wanted a different card with a smaller credit limit. I agreed to a limit of {$2200.00}. I did not want to transfer any balances to that card and was not asked if I wanted to do that. However shortly after I recieved my card I was notified that they decided to do a transfer of a partial balance from my XXXX card ( which has a lower interest rate ) to the card they issued and added fees that maxed out the discover, ( all but {$47.00} ). I contacted them several times and told them I did not appreciate their bait and switch practices but I would pay off the balance at the higher interest rate then my XXXX card but they would have to cancel their predatory fees. They refused and now I am appealing to you for fairness. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with MORTGAGE SOLUTIONS OF COLORADO (MO).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are in the middle of hopefully closing on a home through Mortgage Solutions of Colorado , Llc. This process has been the most emotional and XXXX experience of our lives. The company started out on the wrong foot by waiting until two days before closing to look at our file, then sent us through hoops to prove things like a debit card reissuance in XXXX or proof of XXXX in XXXX. The company even went so far as to say we needed adoption papers for my husband 's name change when he was adopted at age XXXX. They claimed our marriage was not filed with the state even though we provided the marriage license to them. Every time they asked for something new, we gave it back to them immediately or the next morning. Those things would have been minor had they all been sent in the beginning. However, we are now XXXX days past our original closing date, and the company refuses to issue us the final closing papers due to a spelling error for which they have an amendment and a copy of the title of the home verifying the correct spelling of the home 's address. Not to mention the fact that when the loan estimates and closing disclosures were issued we specifically asked if the misspelling would cause a delay, but we were assured it would not. The company has deliberately been delaying our closing in the hopes that we will or the seller will back out of the deal. Honestly, I feel like our XXXX names have been the cause, and I plan to bring attention to this type of practice.

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 10/21/2015 about Payday loan () with MNE Services, Inc (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I filed a complaint to the XXXX Dept of Justice approximately XXXX years ago against a payday loan company after they continued to draft money from my bank account long after my loan was paid. NC DOJ wrote a letter to this company advising that their loan was illegal in NC and ordered them to stop all contact to me. I also closed that bank account. They are now calling me and my children and family threatening me with coming to my work and saying they have a case against me. Even calling my XXXX daughter at school. I only have the many phone numbers they call from. The main one is listed first. XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... 

Partial account number : XXXX {$220.00} I never took any loan of this amount ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are a couple of addresses listed on my credit report that DO NOT belong to me. I 've never resided at the listed addressesXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX, XXXX, AZ XXXXPlease remove from my credit reports. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was  XXXX  are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  and  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX    XXXX    XXXX   XX/XX/XXXX  According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 (   a )  ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks

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 06/16/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone has created debt through 'paypalcredit '. I paid off that acct. in XXXX of 2013. Since then, I did creat an acct. through XXXX '. Now that someone is using my acct. for transactions, I have paid off the 'XXXX acct.as well. 'Paypalcredit ' is threatening to send the {$1600.00} they say I owe to a third party collections bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has a XXXX that is listed on my credit report. I asked them to verify it within 15 days according to FCRA within 15 days and the item was not verified. This is not my account and this collection company is constantly updating this incorrect information. And it is having negative effects on my credit score. XXXX XXXX FL XXXX XXXX It was last added to my credit report on XX/XX/2017 I want this incorrect information removed immediately and I have consulted with legal counsel.

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 05-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : I began the process of a short sale with Bank of America on XX/XX/XXXX, over 1 year ago. After 9 months of XXXX valuations, uploading and re-uploading docs already sent, numerous escalations and a complaint with the CFPB, BOA finally approved the short sale and sent closing docs to title in XX/XX/XXXX. Close of escrow per BOX needed to happen no later than XX/XX/XXXX. Unfortunately, because BOA and its 3rd party negotiator did not process my request for SS in a timely manner, the buyer of XXXX XXXX XXXX XXXX # XXXX, XXXX, Az, walked away from the contract ( XX/XX/XXXX ). My realtor quickly put the property back on the market, received a new contract ( {$2000.00} less than prior contract ), and I once again completed the required hardship forms, authorizations, etc, which were uploaded back in the XXXX system. In my hardship letter, I specifically asked that all documents go to the prior Office of the President Negotiator, XXXX XXXX, so that the process could keep moving forward. Once again, this did not happen, an entirely new Short Sale request was opened, and we started from square one with a new 3rd party negotiator. The same series of events are happening, requests for docs already signed, then someone does n't like a date, or they say realtor needs to resign forms, and now, oh we need yet another valuation. We knew that the last valuation was done in XX/XX/XXXX, and yet now in XX/XX/XXXX the negotiator has realized that valuation has expired. XXXX XXXX, negotiator has communicated with me better than anyone over the last year, however, we need BOA, Investor and MI approval QUICKLY, due to a foreclosure date of XX/XX/XXXX being set. At the time I began the SS over a year ago, I had a job and tried to manage my payments. However since that time, I have lost that job, now am on unemployment, and am simply running out of time to get this done prior to a foreclosure date. MY REALTOR DID SECURE A RENTER FOR THE PROPERTY, SO IT IS TENANT OCCUPIED AT THIS TIME BY A XXXX VETERAN. Please note that this Veterans Rent is paid by XXXX, City of XXXX, and should this foreclosure happen ... ..Bank of America will be putting a Veteran back out on the street. We would not be at this juncture, had someone processed all XXXX attempts at this SS in a timely manner. I am asking once again that XXXX XXXX, negotiator with BOA Office of the President, step in and get this SS to all appropriate parties for approval. There was an issue with Mortgage Insurance approval ( placed on the XXXX loan without my knowledge after origination ), which will need to be addressed again. One would think it would be more financially advantageous for Bank of America to accept and approve a Short Sale rather than have the cost of the property moving through foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation