milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Credit reporting () with Diversified Adjustment Service, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage failed to respond to my Qualified Written Request sent XX/XX/XXXX within the required period of time. 

Nationstar Mortgage failed to credit all of my payments on my mortgage after Nationstar acquired mortgage servicing rights from XXXX XXXX XXXX in XX/XX/XXXX, despite repeated requests to do so. 

Nationstar Mortgage has not cooperated in my attempt to refinance my loan through the HAMP program.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint is per your offices request I am sending you this formal complaint concerning EXPERIAN, XXXX their business practices. These XXXX bureaus continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.

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 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: There is NO option for cancelling the credit monitoring service on the online portal. When I searched and finally found the telephone number to call the call was routed to an overseas call center where I could barely understand the representative and TransUnion makes every attempt to thwart cancellation of the credit monitoring service. I provided my login, my order number, my name, my DOB but I refuse to provide my Soc. Sec. Number. This should have been more than enough information for them to cancel the NEVER disclosed ongoing charges but they refused. I finally hung up because I could not understand the representative and all she was doing was going round in circles asking for more personal information, or in other words 'phishing. ' Transunion NEVER disclosed this was an ongoing " service '' and refuses to cancel the account without me disclosing far too much information. More it seems that I had to disclose to sign up for their " Service. ''

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 10-11-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (CA).
Issue: Account opening, closing, or management

Complaint: First National Bank had a summer promotion that included a {$150.00} bonus when qualifying terms were met. On XXXX/XXXX/16, I opened up a checking account with them, with the intention of fulfilling the terms, collecting the bonus, and utilizing the checking account services. To my surprise, First National Bank contacted me and told me that this bonus offer would not be honored, my opening deposit was refunded, and my account was closed because I was not in their " Service Area ''. Unfortunately, this information was not presented at the time of the disclosure of the bonus and was nowhere to be found on their website. Although disappointed, I decided to move on. I received a second call back a couple days later, informing me that because the terms did not state " service area '' that they would be honoring the bonus. Although they did not redeposit my initial depsoit, they informed me that If i were to ACH deposit another {$1500.00} ( to meet the terms of the bonus ), I would, receive the bonus as stated in the terms and conditions of this offer. Unforunately, I have not yet received this bonus, and attempts to contact First National Bank have been unsuccessful. I feel that my treatment by this bank, the information presented, and the back and forth of opening/closing this account has been unprofessional and unsettling. In addition, the terms of the bonus were met and have not been honored.

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 06-01-2015 about Mortgage (Other mortgage) with LoanCare, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: This company has taken our dream and crushed it beyond repair. They have misapplied all my payments. The taxes were incorrect on our property. I started in XX/XX/XXXX submitted the corrected bills, they still did nothing. Now it is XX/XX/XXXX and we are still at square one. Total, I have submitted the needed paperwork XXXX times. They have the account so twisted, I am not sure what kind of money I should have in escrow and what should have been paid back to us. Please help us. They are trying to take our house away. We are XXXX time homebuyers and wish we could just get some help. I contacted the XXXX and this company has not responded to them either. Please please please we beg you to help us.

Company public response: Company 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: Problem with fraud alerts or security freezes

Complaint: Equifax 's lax data security led to vast amounts of my personal information being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent a debt validation letter to XXXX XXXX on XX/XX/2018. They are unable to hard copy proof validate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I called Capital One concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the Capital One puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with Capital One and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

Capital One states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with Capital One but they are unfair when it comes to this concern. I have looked up Capital One 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

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. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax had a data breach and my personal information was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Payday loan) with National Arbitration Forum (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: ON Friday, XXXX, XXXX, XXXX, my son, a friend, and I received a call/message from XXXX XXXX, and investigator for XXXX '' saying he was scheduled to come out and serve me a summons on Monday the XXXX at my house or place of employment. I could avoid this action by calling the petitioner, and gave an XXXX number. Said if I did not call that day, they would place a body attachment on me for contempt. This exact information was repeated on all three calls or message. 
I called the XXXX number ( XXXX XXXX XXXX ) and the lady informed me it was in regard to a payday loan from XXXX ( I paid this loan off ). She said she needed a receipt, but would " stop the paperwork '' to have me arrested on check fraud and attempting to defraud a financial institution. I consulted an attorney, checked my credit report, and checked with my sheriff - no record of any money owing to this place or charges pending. I called back to get an address and was placed on a lengthy hold after being asked why I needed it ( I said I needed to mail something to them ). They finally gave me an address, and it is the same address of another company, XXXX XXXX XXXX XXXX, that attempted this same thing with me in XXXX. At that time, a collection had been placed on my credit file, which I disputed and proved payment, and it has been removed from my credit report. I filed a complaint at that time on that company as well. 
Since the debt has been paid and the company issuing the loan has since closed, I feel sure this is a scam, and the company has violated laws with their threats and sharing of information to other persons who are not me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OK).
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: financial hardship caused a late payment XX/XX/2016 requested several times that this late payment be removed due to outstanding payment history

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. 

I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and TD Bank has given me no way to get this resolved through their customer service channels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (WV).
Issue: Other transaction issues

Complaint: I wanted to transfer money from my debit card to a bank account in XXXX. 
This was denied by Western Union after asking multiple questions and accusing me of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MO).
Issue: Settlement process and costs

Complaint: I had to make a decision to get my house refinanced due to the unexpected death of my mother 3 months ago. Freedom Mortgage has been my mortgage company for 3 years since I have bought my house and I am finding out the hard way that this is the worst company ever to gone through especially with the state of mind I am at right now. My mother dying 3 months ago forcefully made me have to get my house refinanced to help me out financially because I would had not refinanced my house with just 3 years of being in it. It is been over 3 months now and all I am doing is a consolidation loan not an overly large amount either ... today I am still waiting ... ..the stress of the company because of thier incompetence has almost put me into the hospital. I am still grieving my mom and having to deal with this for over 3 months to be approved because people do not know what they are doing is unacceptable and unprofessional. I was told yesterday my funds would be released again thinking this is finally over with and I just found out they are not. So here again I have to call Freedom Mortgage again and deal with them. This has been a very bad nightmare for me on top of me losing my mom. I have had XXXX aunts that started the same time I did with XXXX XXXX and they have been approved and already received thier funds and closed on their houses. Here it is 3 months and I am still waiting. I would have went somewhere else but I had already invested months of my time into them and was told my file was going back for review going back for review and everything was ok and then something else came back then come to find the underwriter did n't know what she was doing and nobody is on the same page either. I have not talked to XXXX different people since this has started. I finally got approved a couple of weeks ago, which from anyone I talk too even the notary that came to my house said nobody should have to wait 3 months to get thier house refinanced. As if today because an error again on someone 's part from Freedom Mortgage I still have not had my funds released to me to pay off my lenders, which I was told 24 hours and now it will not be 24 hours. I need to bring the company to someone 's attention due to thier negliegence, incompetence and unprofessionalism on thier part. The only reason I even went with them is because they have been my mortgage company for the last 3 years ... ..big big mistake!!!! If you have the opportunity to go through another company do it! I do n't want anyone else to have to go through emotionally what they have put me through!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian has proven their incompetence several times. Now again they did n't correct an error on a XXXX account showing closed by credit grantor, which I contested it that it was closed by consumer, although they acknowledged proof I have sent they still not correcting it. They forcing me to start litigation! this company is not complying with FCRA guidelines.

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 card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Every 3 months I get this same offfer from my personal bank Regions Bank, offering : *Earn 2 Regions Relationship Rewards points for every {$1.00} spent on qualifying purchases2 in the first 90 days after the account is opened. After that, earn 1 point for every {$1.00} spent on qualifying purchases.
*0 % Introductory APR for the first 12 billing cycles on all purchases posted in the same period and all balance transfers posted in the first 60 days after account opening. *No annual fee *No foreign transaction fees Promo code XXXX When I go to apply w/prmo code XXXX and enter all my information, then I get the error that says my promo offer is Invaild, and I could continue as a normal applicant. Every time ... .This sis a scam I they would do anything about it.

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 05/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient sent my student loan to collections. I came to a settlement agreement with the collections agency and paid the amount before the required date. Navient has still not removed the balance from my credit report. In addition, they sent the the loan to a new collections agency, even though the entire amount has been settled. Attached I have a copy of the settlement letter from the original collections agency, proof of payment and a copy of the letter from the new collections agency asking for amount that has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Other banking product or service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. 

But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.

In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX  ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX, retired ( 20 years ) XXXX XXXX. We had a home financed by Wells Fargo. Because of a tiny clause in our contract, which required us to pay Wells Fargo 5 % of the finance amount if we tried to refinance early, we were caught in the 2008 down turn in home prices. We lost our dream home. So they have dome much more harm than you think. 

Respectfully, XXXX & XXXX XXXX XXXX, GA

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The last three times we tried to get our free annual credit report from Experian online it made us submit our information twice to even get to the opening security questions. After we submitted correct answers to the security questions, the next page says that we can't get it online and that we have to call or write to get the information ; no explanation is given. We have no problem with XXXX or XXXX but Experian makes us call or write to get the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief