milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. 

The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. 

I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: In XXXX I purchased my first home, I was then unmarried and it was under the name XXXX XXXX. During escrow I paid all the closing costs which included the back taxes on the property. 
wells Fargo sent me notification that I did NOT pay the back taxes. When I contacted them to correct this they continued to deny my substantiated claims. I KNOW they were paid by me for two reasons.

1. It said right there in the closing documents that the taxes were paid by me. 2. When I contacted the County of XXXX XXXX Tax assessor they told me that they got the payment via escrow check and that they received " zero funds from Wells Fargo and if they had they sent them back, due to those taxes being paid already '' For over a year I called Wells Fargo weekly to resolve this issue. I faxed them, emailed them and mailed them on SEVERAL Occasions ( which I have all documented all the relevant information regarding this issue. Every single time they gave me the runaround and insisted of discharging me the almost two thousand dollars. They even threatened to add XXXX a month to my mortgage beginning in XXXX to " satisfy the unpaid portion of taxes they paid on my behalf '' ( which of course they never paid because paid them ). 
I meticulously recorded each phone call and each instance I sent them the information. I had to refinance my home and call the XXXX XXXX XXXX  in order to get them to admit that they did not pay the back taxes on the property. 
While the XXXX XXXX XXXX made them pay me back those monies they tried to stea to pay me back for refinancing my house, which was XXXX. I feel they still owe me this money for refinancing because I would not have had to refinance had they listened to me to begin with. 
What they did was blatant theft. 
I will be happy to scan and email or copy and mail my entire file of this affair for this lawsuit if it will help. Please let me know. All of my contact information is on your included form and at the end of this letter. 
Sincerely, XXXX XXXX ( formerly XXXX XXXX ) ( XXXX ) XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.

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 09-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed with XXXX several times and they continue to verify the info that is incorrect on my credit file with Experian and that of my husband 's XXXX XXXX. We filed a complaint XXXX because the account was reporting incorrectly for months. The same info we sent Experian. XXXX verified as correct several times. At this point I want the " DISCHARGE IN BANKUPTCY '' removed from my credit file account XXXXThe other account XXXX # was reaged had a repo in violation of the stay. Lates while under Chapter XXXX Stay and Discharge etc. For both XXXX and myself on the Joint account. XXXX is asking for 60 days to fix all errors they verified previously as correct. Under the FCRA the account now should be deleted DELETE ACC # XXXX from our credit reports. Attach is evidence that the dispute was initially filed over 30 days ago for XXXX and XXXX continued to verify info that was incorrect. and bar from re-insertion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Ocwen that I can cancel my escrow account because mortgage reached beelow 65 %. Ocwen is claiming to increase my escrow payments, even thought my taxes have been reduced. I submitted a request to cancel my escrow. I received a letter stating that my request was denied. 
My loan is not in default with the exceptions of fees that I am fighting with Ocwen ( see complaint XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with POPULAR BANK (FL).
Issue: Problem with additional add-on products or services

Complaint: Two different companies have scammed me out of {$3200.00}. The first companies name is consumer Eloan, the second is  XXXX . I paid {$2200.00} to consumer eloan to receive a {$2000.00} loan. This was through   XXXX   XXXX  . I paid {$950.00} to   XXXX   XXXX   in form of   XXXX   gift cards. Both companies kept asking for more money for the loans to go through. This is when I realized I was being scammed. The loan from consumer eloans started  XX/XX/XXXX -17 and the loan from   XXXX   XXXX   started  XX/XX/XXXX 17.

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 12/16/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I, received a call from a company stating I owe them money from XX/XX/XXXX Ace Cash Advance here in XXXX, TN this past summer. I requested proof and they refused to send me proof in the mail. On XX/XX/XXXX, I received a voicemail that showed on my caller id as XXXX. Then a voicemail appeared from XXXX stating her name is XXXX XXXX from The XXXX XXXX XXXX 's Office here in town and she says I need to call a XXXX XXXX @ XXXX. I returned the call and he is speaking to me about Ace Check Cashing Company payday loan from years ago. He stated the company has sent me out over XXXX pieces of documentation and they just received the unsigned certified letter back. I replied I have not received any correspondence on this matter. I then told him about I know years ago I had a couple of payday loans, but they were paid off or filed on bankruptcy. He then told me he can see when I filed bankruptcy. He says nothing like that is on the bankruptcy filing. He says there are XXXX warrants being issued for me and if I want to avoid, I can negotiate a settlement and he would remain on the phone until I received official documents proving the debt is settled and closed. He says he is trying to prevent the judge from signing the warrants for my arrest. He stated I can do XXXX3 years jail time because this is a federal crime and I can be responsible for paying {$5600.00} as opposed to the {$1100.00} he will settle out of court with me. I requested an hour to verify. I called our criminal court here in XXXX XXXX and I spoke with an employee in criminal court to ask are any warrants in my name. The employee I called stated NO. He stated the court system does not work like that. He instructed me it is possibly a scam and to report it. I called and was instructed on the different ways to report and to give the most information I could regarding to whom I spoke with. I called back and a female answered who sounded like the lady whom left me a message to call XXXX. She placed XXXX on the telephone and I asked what company was he representing. He stated pre trial and then was very short stating he is trying to help me and he respects me trying to confirm. I asked again and he stated XXXX. He stated he has other calls and he needs to assist others. He states he wishes me luck and the warrants will be signed since I did not pay. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Trouble during payment process

Complaint: PLEASE SEE THE TEXT OF MY LETTER BELOW : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX : Borrowers : XXXX XXXX. & XXXX XXXX Loan no. XXXX Property address : XXXX XXXX. XXXX XXXX., XXXX XXXX , WA  XXXX Dear Sir/Madam : We received your letter of XX/XX/XXXX ( copy attached ). It states that " As of the date of this letter, we have not received your payment due XX/XX/XXXX in the amount of {$2400.00}, making your loan past due. Consequently a late charge of {$85.00} has been assessed to your account. '' This statement of yours is deceptive as your own records show receipt of our payment of {$2400.00} on XX/XX/XXXX ( see copy of your XX/XX/XXXX Mortgage Statement, also attached ). The {$2400.00} amount we paid on XX/XX/XXXX was the regular monthly payment amount, which apparently was increased for XXXX due to an increase in the escrow amount for taxes and insurance. I do not see in our records where this increase was clearly communicated to us so that we could increase the auto-pay amount for our mortgage payment and avoid having " late charges '' asserted against us. Enclosed please find our check in the amount of {$140.00}. This amount represents the {$59.00} difference between the old and new regular monthly mortgage payments, and the {$85.00} " late charge '' assessed against our account. With the receipt of the {$59.00} shortfall amount for the XX/XX/XXXX payment, you are directed to apply it and the {$2400.00} you are holding as a " partial payment unapplied '' to our account as our full XX/XX/XXXX payment. Your handling of our account and your correspondence to us regarding the account have been unfair and deceptive, and have prompted me to file a complaint with the Consumer Financial Protection Board. Thank you for your anticipated prompt attention to this matter. 


Yours very truly, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX , WA XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Transunion and XXXX have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there 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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted transunion, XXXX and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on transunion and XXXX for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 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: I have a XXXX account reporting on my Equifax report. They 've showed it verified and they wont reinvestigate. XXXX and XXXX were n't able to verify that same account. During the time of my investigation was the same time that Equifax had security breech. The name on the XXXX account and the name on my Credit Report does n't match up. I know that because XXXX sent a letter to my home with a different name on it. This account is reporting and it is costing me XXXX points of my credit score. My XXXX and XXXX XXXX are in the XXXX 's. I do n't know what else to do besides send another complaint. Knowing my information may have been compromised during my disputing process and knowing I 'm being penalized would only lead me to take lawful action. All Im asking is that this account be deleted so that I can live my life for my family and get the best interest rates to purchase items that I know I am credit worthy for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Whenever I go on a website that lets me check my credit score, it says that they ca n't access my credit score. I 've tried XXXX and experian, but they said the same thing that they ca n't access my credit score. I type in all the information they ask for, but it still wo n't let me see my credit score.

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 02/19/2016 about Credit reporting () with Innovis (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CBCINNOVIS credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CBCINNOVIS XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX

Company response to consumer: Closed with explanation