milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXX with any advice you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. 
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. 
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: An Item I purchased but never received and disputed with Discover and Discover closed the account in favor of the Merchant and reported it to the credit agencies, lowering me score, it turns out the merchant was honest and issued a refund which they verified and XXXX verified, XXXX 2015 a refund as issued due to lack of inventory, but on XXXX XXXX 2015, Discover notified me in writing the cased was closed in the Merchant 's favor, but clearly it was not. I believe the XXXX attachments below will help to clarify my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TRANSUNION INACCURATE INFORMATION MUST REMOVE 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 02-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, Equifax and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter. 
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with AMERICAN EXPRESS COMPANY (DE).
Issue: Application processing delay

Complaint: I am completely XXXX off with American Express.Their XXXX everyday card is supposed to be good but the way they handle their customers is horrible.I have been almost harrased by them.I recently moved in from XXXX to XXXX and changed my address on all my bank accounts and then applied for the card with American Express.I applied on XX/XX/XXXX.After 15 days because there was no reply i followed up with them.They said your address doesnt match and hence send us a signed bank letterhead.They wasted 15 days here and didnt care to even tell me if it wasnt for me to call them.Next thing i got it from my bank and immediately faxed them twice just to be on the safe side.After following up with them for 10 continuous days ( I am not even exxagerating ) and speaking to countless agents and their managers still i get the reply that they havent received it.So now i mailed it to them via USPS and it has been delivered on XXXX I called in today on XX/XX/XXXX and still they say the same thing.Nothing has been received. I have been literally mentally harrassed, tortured by calling them daily and speaking to some really rude agents who make fake promises of call back.I dont want anyone else to go through this trauma.I am definitely not going to receommend AMEX to anyone and even if my card comes through do you really think i will use it, i will promptly send it back.I asked them that i have waited for 40 days, i want a credit reversal on this, for that also they arent agreeing.You can check their call logs which were recorded for quality and training.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my TransUnion credit report dated XXXX XXXX, 2018 and discovered a fraudulent hard inquiry from " XXXX  '' dated XXXX, 2018 which I never authorized. I do not currently have service nor have I applied for new service with XXXX. 

I contacted XXXX via phone numerous times and also sent them a letter via certified mail requesting them to remove the unauthorized inquiry from my credit report or provide proof of authorization, neither has been done to date. 

I have also sent multiple request to TransUnion via both phone conversation and fax concerning this fraudulent inquiry on my credit report and nothing has been done. I just keep getting the run around. 

As a precaution I placed a 90 day fraud alert on my credit with all three credit agencies in case this has been a case of identity theft. 

Can you please help me with this matter

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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed it a few times through the credit bureaus. I have sent letters to the collection agency reporting a collection on my credit report that they have to show the accuracy of their documents but no such thing was given. It is the law under FCRA to do so and yet they will not. I have not a single blemish on my credit report besides this collection company. When I called and spoke to a supervisor he told me to call an attorney. The " collection '' is a college class that i paid off. The college told me that it wasnt in collections but when I paid them it turns out they reported it that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XX/XX/XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect XX/XX/XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into the Unemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.

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 02/21/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: I recently applied for a mortgage with Bank of America ( XXXX XXXX, 2016 ) and was given a conditional approval. I satisfied all the conditions and proceeded down the mortgage pathway. I was then informed 10 days out from closing that the mortgage was now declined because BofA changed some of their numbers. I pointed out that the new numbers they were using were incorrect to no avail. BofA of course was able to ' '' find '' a path to an approval that would cost more money. As I was 10 days from closing and had ended negotiations with other brokers I agreed to the changes in hopes of closing the purchase of my home. Problems continued to arise over the next 10 days. I was finally informed that i would not be getting a mortgage with BofA on my scheduled closing day. All along in this process XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ) assured me they would be able to get this mortgage done. That they were able to get this type of exception all the time. They were clearly doing the bait and switch by getting me in with a teaser low rate only to pull the rug out late in the process. My realtor warned me about using BofA and I should have listened. Several other mortgage brokers have since informed me that this is typical practice for BofA. Please investigate them and protect other consumers. I am also incurring significant costs as a result. I will need to pay more fees to another broker for documents/credit reports/appraisal etc. I also will need to pay additional money to the home seller in order to extend my purchase contract.

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 08/25/2015 about Debt collection (I do not know) with Integrated Recovery Services (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from this company that left me a voicemail on XXXX/XXXX/2015 stating that they needed to verify my address to be served official court documents. I called the company back at XXXX, spoke with XXXX asked him to send me documentation thru the mail and cease contact until I have had a chance to dispute the account he told me that it does not work that way and that I will continue receiving calls thru the automated dialer until my account was paid. I requested his company info and he would not release that information to me and continued to harass me stating that I need to pay the bill and that they did n't have to send verification and he hung up on me once the conversation got heated. 
XXXX/XXXX/2015 @ XXXX received another voicemail from the auto dialer called the office again spoke with XXXX XXXX requesting my number be removed from the account he transferred me XXXX time and both time I was hung up on, called back a XXXX XXXX time spoke with XXXX XXXX he explained that they sent documentation the XX/XX/XXXX I told him I have not received anything and he needed to send it out again for me to dispute he then stated that I was just using a delay tactic and need to pay the bill I again asked that he no longer contact me and that I was filing a complaint he hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Dear CFPB, this complaint is in response to Equifax 's investigation and verification of an public record that appears only on XXXX XXXX 's Equifax credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute. Under XXXX XXXX XXXX XXXX - Validation of debts XXXX Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXX original creditor : XXXX XXXX BANK, XXXX Partial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an escrow account with Wells Fargo Home Mortgage. The loan was originated in XXXX, XXXX. I received a notice from XXXX XXXX XXXX XXXX that I owe interim school taxes for XXXX school year. In researching the amount of taxes that have been paid out of my escrow account I found out that Wells Fargo has withdrawn in excess of $ XXXX. The school taxes should have been closer to $ XXXX for the entire period that I have been in the house. I contacted XXXX XXXX XXXX to find out what has been paid on our behalf and found out that they have records of only cashing {$16000.00} in checks from Wells Fargo. 

I was told that I need to find out from Wells Fargo the copies and amounts of the checks that were sent to XXXX XXXX XXXX to pay for my school taxes. In reaching out to Wells Fargo they have repeatedly said that they were " investigating '' the funds being removed from my account, but I have yet to receive any form of response from them as to the disposition of my account. I have been trying to get the XXXX issue resolved for over a year ( originally brought to Wells Fargo 's attention in XXXX ) and have been actively engaged in attempting to resolve the escrow discrepancy since XXXX/XXXX/XXXX. 

I expect to receive a full refund of any amounts that were removed from my account and not used to pay school taxes, as well as any accrued interest on those funds from the date that they were pulled out of my account.

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 04-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I have been charged numerous overdraft fees because, according to Chase Bank, I did not uncheck the overdraft protection box. I now owe {$350.00} in fees.

Company response to consumer: Closed with explanation