milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am writing in regards to Experian. I was disputing a couple items on my credit report and the are not providing me with results. They keep sending me a letter that states " they have inaccurate social security information ''. I have sent them proof of my identity like they asked multiple times and they have not fixed the issue. I have tried to call and none of the numbers will get me to someone. My social is correct and they need to provide results for my disputes and ensure they are reporting accurate information.

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 10/24/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus, our current mortgage server is trying to pull a fast XXXX on us. We have a fixed rate mortgage at 2.00 % interest, we received a statement this weekend that now suddenly says 3.00 %!

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. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Breach lasting from mid-XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

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.

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. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised during the Equifax hack. I checked whether I was impacted on XXXX XXXX XXXX. This is unacceptable for a company that has all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX XXXX file this notice with the Consumer Financial Protection Bureau as a measure to request a federal consumer advocacy agency to oversee a collection matter I believe to be unfair and technically illegal. I have attached a copy of a XXXX XXXX, 2016 letter whereas I stipulated the legal requirements on any vehicle repossession. I would agree to settle this matter with certified funds of {$1000.00} if Credit Acceptance would essentially communicate with me. They have not answered my letters and I believe that my offer is more than reasonable under the circumstances. However, I am 100 % in the right on the requirements on any vehicle repossession. That is a violation under New York State collection guidelines and the national Fair Debt Collection Practices Act. Accordingly, I offer {$1000.00} certified funds to resolve this matter in the best interest of both parties, and I request that settlement offer in written form as soon as possible.

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 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld Systems keeps trying to collect debts for the City of XXXX XXXX on a car that I do not own, I have never been to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (MO).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I received a letter from   XXXX   XXXX   XXXX   with an ITEMIZED statement from the hospital showing what was done to me. This is my personal information and is a MAJOR LAWSUIT TO VIOLATE HIPPA REGULATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have not received satisfactory response from Freedom Mortgage about payment history. XX/XX/XXXX, I had to send them payment via certified mail be caused they had previously claimed they were not receiving payment. XX/XX/XXXX they have not received payment even though it was sent. I have repeatedly tried paying on their website and receive error messages consistently. Now my credit is ruined because of this situation. They do not return my inquires.

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 Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Unsolicited issuance of credit card

Complaint: I received a credit card from Chase Bank with a {$33000.00} credit limit which I did not apply for. I have never been a client of Chase as I am employed by a competitor bank. I called Chase and they told me a fraud XXXX would be contacting me and that they would delete the card. That was XXXX weeks ago and I have not heard anything back from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problems caused by my funds being low

Complaint: Chase bank has charged me XXXX late and insufficient fees for about a year between XXXX accounts. 99 % of these are there fault due to the Atm drive thru being either not able to accept cash, down, or being fixed on. This happens about 2-4 times a week? Also a few times they have had a complete outage where none of the machines were working. The problem is they blame you if you can not deposit? 
When I asked when you have $ in the account why not take it for all the smaller checks that you know can be paid instead of running the biggest check first or the last check through. I was told it 's up to their discretion how they handle my XXXX They can wait if they want. I was like this is crazy??? Then I sought legal advice. I was told I needed a copy to see how many I had? I did n't know it was this many! I am a very small start up and can not afford for them to make me lose my home or mind. Last week my son had to go to have emergency and I did write a few checks at least 4-5. Now I was at the hospital for a couple of days so unaware of what was going on. I bought food at the hospital and looked at my account. I was in the negative? How could I be there was at least {$900.00} in the account. Well they did n't run the checks through that they received first which were smaller. They ran the last check which came in on the last day for over {$1000.00}. Then ran the smaller checks through so they could hit me with XXXX fees in a weeks time. Honestly I just broke down and cried from the hospital but I had to be strong for my son. So I called the bank and asked for the mgr. named XXXX. Well he said I can do anymore refunds after the last one! I was like the last one? You mean the one where there was an outage and I could n't deposit any money? How is that my fault if your machines were down? I was under the impression that they removed the fees asscociated with any and all from the atm machines being down etc ... .This is applies to the personal account as well. Same practices! I trusted them! The other account is in the negative {$430.00} for the same reasons! These totals do n't include the {$15.00} overdraft fees as well. I literally begged for them to not do this to me because they know my families situation. The bank mgr. XXXX gave me the run around to call the XXXX number. The XXXX told me that is not correct he must credit the account. No one takes responsibility. The insult to injury is I was told THERE IS NO DOCUMENTATION OF ANY OUTAGE, ATM DRIVE THRU BEING DOWN ETC .... I was so mad I just felt like nothing. They could do this to me? I did n't know how many times until now. It 's easy for them to know them but they know I have no proof. Well I am standing up I earned my money and I want it back. This is just wrong! We are a small business and these practices are literally putting us out of business!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was in the process of viewing my credit report online. I was asked a series of security questions prior to viewing my report. There was question stating that I opened a mortgage loan in 2010 and what bank did I use. I have never owned a mortgage, it also stated that I opened a retail credit card and I have never done that either. I was unable to view my report because I did n't have the answers to those questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We set up a loan mod with wells fargo XX/XX/XXXX. e made the three trial payments and were waiting for a problem with the title ( we have a common name we do not have any liens ). XX/XX/XXXX we were hit storm XXXX XXXX XXXX feet throughout entire house, we are a XXXX, XXXX had XXXX feet. We did not continue with the mod because we didnt know what to do.We had to move out till the house was fixed. Had to fight with mortage co to get insurance money to start work. We paid an adjustor because that is what everyone said to do. We got a lawyer to to the loan mad because at this time we didnt know what to do, the lawyer messed something up XX/XX/XXXX. We are in the process of filing a grievence against him and had to get a different lawyer we submitted another package our lawyer said they said the numbers were good It had to go to the underwriters It was turned down again I just want to stay in my house. We worked so hard on it we could have walked away after the storm but we didnt. We are hard working people we didnt go on vacations. We were trying to get a grant from the SBA for my husband tools, equipment loss in the storm ( we did not have contents insurance ) this is now on hold because they wont work with us until the bank shows that they are giving us a loan mod it a big mess. I feel we our being bullied from the bank because now the house is fixed up thanks to our hard work they want to take it. I have to go to work now. I just want to get this started. Thank you for listening. 
We are sick over this. XXXX XXXX XXXX home XXXX Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I check my credit report every few days and noticed a collection listed on my credit report on a debt that I am not aware

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 07-09-2017 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: Account status incorrect

Complaint: I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact XXXX and Transunion about the matter to dispute the error, to the day Transunion have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXX also the exact same thing with XXXX. On XX/XX/XXXX I contact XXXX about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting XXXX, Transunion and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation 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 02/28/2018 about Mortgage (FHA mortgage) with PNC Bank N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My client recently completed her CH XXXX BK and was granted from the courts to proceed with refinancing her property. The existing payoff was held with PNC Mortgage and they took over 75 days to provide the payoff demand in order for the new escrow company to fund and record. As the lender, we had everything ready to be completed in 20 days knowing we had a 45 day lock period incase there were delays. From day 20 up to day 75 or 76 we could not receive the pay off demand costing our branch over {$1500.00} in extended lock charges. Not only do I have email records from myself and the escrow officer trying to get the information form PNC but I have an entire conversation timed and written down with names and discussions about how their process works in order to speak with a supervisor or a manager. It's impossible and they will not allow you to talk to anyone directly, you have to speak with a representative who then types the message while you wait on hold for the response. Because I was insistent on staying on the phone from XXXX XXXX they lied to me about the release and once I called back to confirm, nobody knew what I was talking about and couldn't release the information to me without filling out and authorization form. The authorization form I was told can take up to 5-10 business days to be accepted. Escrow was told at least twice that the pay off demand would arrive in 5-10 business days as well.Each time you call and ask for the pay off department you are sent to a recording and automatically hung up on. The entire process was a total nightmare and because of my escrow officer bending over backwards each day for over a month and a half, somehow it was finally provided. I want to know how a company can get away with that type of system, costing other lenders money, taking time away form other people 's jobs, and not have consequences for their actions and lack of care for the client. If my branch manager didn't choose to take the hit, my client would have never closed her loan, her mortgage payment would not be reduced, and she would have been out for the additional costs that were accrued for doing the loan. PNC should be put out of business for how they conduct themselves with no regard for others. Our branch suffered, escrow suffered, and the client suffered in worrisome.

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. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My information was possibly impacted through the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax is reporting inaccurate information on my credit report. I received a letter from equifax stating that XXXX XXXX XXXX   account # XXXX is reporting never late never repossessed. Well I checked my credit report and they are reporting late payments and the remarks says redeemed repossession. This information is incorrect and equifax is in violation of the FCRA federal law. This account is an installment loan equifax is reporting the account as a credit card account that is inaccurate and proves they have not verified this account, they are also reporting that I owe {$15000.00} the correct amount is {$14000.00} and the account is reporting as closed when its an open active car loan! If this issue isnt resolved and updated I will file a lawsuit against equifax for illegally reporting inaccurate information!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On   XX/XX/XXXX   I went to Citizens Bank to open up a HELOC. I was clear with the bank representative at the time that I just wanted to open up a HELOC and was already doing the rest of my banking at another bank. I did not want to open any additional accounts.     The bank representative said he could do a few things to help reduce my interest rate, which included :  1. Opening a checking account 2. Opening a savings account 3.  Making an initial withdrawal from my HELOC and then immediately depositing it back At the time I was hesitant as the bank representative did not seem completely knowledgable, as if they were new to the job.     They proceeded to open the checking and savings account and then withdrew {$25000.00} and immediately depositing it back. I again reiterated that i do not want to do any banking with Citizens and said I was not going to use these accounts at all and did not want to pay any fees for these accounts.     I am almost  XXXX  y ears old  and have never paid a bank fee in my life. It is a fundamental concept for me to not pay any bank fees.     The bank representative stated that the checking fee did have a monthly fee but that if I deposited {$1000.00} into the account it would meet the minimum to avoid the fee. So I reluctantly deposited the {$1000.00}.     4 years later, in   XX/XX/XXXX ,  I received a letter that my account was overdrawn. I called the bank and they explained that I was assessed a {$20.00} fee per month for 4 years.     I complained the bank and had series of frustrating interactions that had several inconsistencies, with bank representatives telling me one thing at the branch and another on the phone. I explained the situation and they ended up refunding me {$280.00} of the {$1000.00}. I have since closed all my accounts, including the HELOC.     I feel that Citizens Bank opened fraudulent accounts that I did not want and mislead me with the description of the bank fees. This seems very similar to the    XXXX   XXXX     incident where several accounts were opened for people to hit some sort of quota or bonus for the branch. Furthermore, the immediate withdrawal and deposit of {$25000.00} by the bank representative further shows some manipulative transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: on  XXXX   XXXX  i suffered water damage at my house and filed claim with my insurance company,   XXXX   XXXX   XXXX   hired people to do work cleaning home and repairing certain items.they also provided check for me t o hire contractor t o repair home.all checks listed jp morgan chase as co -payee and checks had to be deposited in an account controlled by bank.to date jp morgan has received approx  XXXX  bills ha ve been submitted totaling approx  XXXX  and at this point jp morgan chase has only paid out  XXXX  i  and vendors providing work have contacted them ove r 25  times with limited success.it seems every call is answered by different person who is somewhat clueless as to the situation  XXXX  is refusing to release monies which are not rightfully theirs.i have spent countless hours trying to rectify this matter to no avail.bill   XXXX  need to be paid and jp morgan chase has copies of those invoices, i don t understand why they are not relesing funds

Company response to consumer: Closed with explanation