milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent Equifax disaster and the handling of millions of people 's personal information being hacked and available for any person with ill will. Almost every American adult has now become vulnerable to financial ruin due to what is supposed to be a organization representing a pillar of trust failing to handle the personal information of almost every single adult American. What I have a problem with specifically, is the fact that I have no choice but to do business with them. I never signed anything saying any of the bureaus can have all of my personal info, but yet ALL of them have it just because that 's the way it works. And for them to act so nonchalant and not even alert the general public for weeks after the actual hack is absolutely ridiculous. And on top of that, there are reports that days after the hack, there were several Equifax executives that sold off stock because they knew their stock was going to tank. This is the dirtiest way of doing business and even though I know that they will get nothing more than a slap on the wrist from our government, I would love to see them get smacked with something that will actually make them hurt financially or even go under because this entire situation is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Hello- my wife and I recently discovered we were the subject of the same aggressive sales tactics utilized b y Wells Fargo that has b een widely covered in the press. We did have  XXXX  legitimate credit card with  Wells Fargo a nd believe they used our information from that card to open other accounts without our approval.      In 2013, without our approval, Wells Fargo opened and closed a credit card within 8 days, opened a savings account, checking account, and a Health Savings Account. We were sent bogus consumer applications of opening both the savings and checking account, with the signature areas blacked out. We were sent a debit card for the HSA. Our credit report includes the 8 day credit card.      We cal led Wells Fargo to  track down these accounts and they claim there is no record of any. For the HSA, they assured us it was transferred to  XXXX   XXXX , though  XXXX  has no record. We have the documentation, name of institution, banker, etc.     We can not reasonably estimate the fees we incurred as a result of these accounts, and given that Wells Fargo claims there is no history of these accounts, we are reaching out to you in hopes of assistance. Thanks you.

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 01-03-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Application, originator, mortgage broker

Complaint: I XXXX Started working with XXXX around XX/XX/2016 on a home loan I were often given misleading information on the American mortgage program I asked XXXX twice can you buy any where you want in the state of XXXX he told me yes the biggest misleading information that was given was after I had gone under contract in XX/XX/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from XXXX saying the appraisal has come in and it is subject to gutter down spouts I called XXXX and I asked him are theese the only items that need to be fixed to obtain the loan he told me yes so I called the realestate agent to let her know so she said let me verify this with XXXX so she verified it and we replaced the inspection objection with gutter, downspouts and extensions XXXX notifies me by email a couple of days after the inspection objection had been replaced and after verifying with him that those were the only items that needed to be fixed he sent me an email with all of the items we originally asked the sellers agent to have the owner to fix and then he said I would have to escrow for the repairs and that it XXXX affect my debt to income ratio this misleading information was caused by 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 monetary relief
Consumer complaint received 02/17/2017 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage company in XXXX to seek assistance in avoiding going into default on my mortgage payments, or worst case losing my home. I purchased my home in XXXX and lived there until I XXXX. I was able to rent my home the entire time I was away and once I returned the renters decided to XXXX to a different state. From XXXX of XXXX until XXXX of XXXX I was not able to rent/sale the home. I had applied for a Hardship loan modification and was denied, then I tried to short sale and was denied, and finally after applying for a Deed -in- Lieu, I was again denied. The home was finally rented in XXXX of XXXX, but the mortgage company moved to foreclose on my home. I had to hire a third party home assistance company to assist in saving my home from foreclosure. The night prior to my home being sold ( with renters living inside ), the third party I had hired stopped the mortgage company from foreclosing on my home, due to my XXXX XXXX status. I was then notified by the third party company I had hired that a loan modification had been approved and that my new loan payments would begin XXXX XXXX XXXX. I had not received any documentation or correspondence confirming this approval, so I contacted the mortgage company to confirm the approval and to confirm payment. I was not able to reach my case manager for this company and I was told by another loan officer that the loan modification had in fact been denied, due to no response on my part. I contacted the third party company with this news as well as my attorney and it was discovered that the mortgage company had NOT sent out the proper documentation for the loan modification and no contact had been attempted to reach me or the third party company that I had hired. The mortgage company, after being confronted with all of this recognized the failure on their part but still has not taken my home out of default or sent confirmation of the loan modification approval. I have contacted my VA loan representative in this case and to date, the mortgage company has not sent in any updates or record of my XXXX payment which was received XXXX XXXX XXXX. I still do not know that confirmed status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I want to cancel the monthly automatic ACH from my BB & T bank account and switch it to another one ( our property manager ), but BB & T 's mortgage division 's answering service will not connect me to an agent and keeps telling me to call back. My account has been overdrawn 3 times now as a result.

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 03/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my federal student loans through XXXXNavient, but was never given a choice of the type of consolidation. I found this fact out when, after working almost 10 years as a public servant and making payments on my loan, I started the paperwork for the Public Service Loan Forgiveness and was told I did n't qualify due to my type of consolidation loan. I called Navient to find out why and was told because I did n't choose the right type of loan when I consolidated, but I was never given a choice back when I asked to consolidate the loans. It was all just done for me by the company. Of course this was over 10 years ago, and it was done over the phone. My only option I was given at this point from Navient was to consolidate my loan again to the right type, and basically start over with the 10 years and repayment process. By that time everything would be paid off, so really something I am not looking into. I am really disappointed in the Navient company, and feel like they are only out for profit, not helping the struggling student!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: To : SPS and Equifax XXXX/XXXX/2016 From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX You are showing my account with SPS in collections this is not the case the house has been sold. 

See sale docs and the letter from SPS that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Equifax, XXXX XXXX XXXX have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've disputed items on my credit report with TranUnion and XXXX, a few months ago, I have n't seen any progress on my report. I called both Credit Bureaus twice just to check on the progress and they responded with no updates. I recently called TransUnion because I noticed there were inquiry 's on my report that has nothing to do with my accounts and would like them removed NOW. A representative then told me that the inquiry 's that was n't associate with my accounts is would be removed waited XXXX weeks and nothing has changed for inquiry 's nor disputes. Going to the third month soon.

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 07/21/2017 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: Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and refund advantage. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.

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 04/22/2016 about Debt collection (I do not know) with Second Round Limited Partnership (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Hello, I received a summons to court By this collection agency and I am unaware as to why. I have not received anything prior. I do not know who this debt is from. It just stated that it is a XXXX account with XXXX owed. Also it states that the last payment on this account was XX/XX/2013. That was 3 years ago. I have no recollection of an account with this amount owed. I have paid many of the debts that I owed from when I was going to school. I would like to have verification of this debt as I am unaware of this. I would also like to have this summons to court revoked as I have not received any prior contact before this. I was just hit with a summons via mail through the court and am very upset. Thank you in advance.

Company response to consumer: Closed
Consumer complaint received 05-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Adding money

Complaint: I had recurring loads set up on my prepaid card account. 

On XXXX XXXX, I had a scheduled load for {$200.00}. I went to a restaurant and left a tip. 

I came home to find an email informing me that the ability to load my account had been terminated for no apparent reason ( the customer service reps refuse to tell me why either ). The {$200.00} scheduled load did not go through. 

The amount in the account was enough to cover my meal, but when the tip posted it left my account with a - {$2.00} balance. 

Since XXXX XXXX, I have attempted to pay the - {$2.00} balance multiple times including multiple phone conversations. Serve will not allow me to load my account but consistently sends me warning emails that my account has a negative balance. 

I want to be able to pay them their {$2.00}, but they wo n't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: I had a checking and savings account with M & T bank in XXXX. My account experienced some overdraft due to how M & T was posting ACH 's and due an unauthorized merchant charge in which an investigation was launched and M & T was sent correspondence that the charge was in fact not authorized by me. I have tried on multiple occasions to no avail to rectify this negative balance M & T says I owe to them of {$230.00} in overdraft fees. They have told me that there is nothing they can do I have to pay the money. I do n't owe this money no XXXX will help they will not allow me to speak to a manager. I need assistance in getting this account cleared. I received a refund check from M & T bank last year for another account due to a lawsuit so I do n't understand why they would issue me a refund but will not handle the issues with this account. Its very unsettling that no one at M & T will do anything to help me and they have acknowledged on several occasions that they received the correspondence from the merchant and that at the time the way my items were being posted was incorrect. Its just ridiculous how much the ball has been dropped on my account even at the branch I went to see a branch manager in XXXX XXXX, MD and she was going to work on this for me and never got back to me I called her for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: NUMEROUS illegal actions taken by " Fair Collections and Outsourcing '' including violation of FDCRA 605 ( c ) by attempting to " re age '' a XX/XX/XXXX debt by resubmitting today XX/XX/XXXX the same debt Violation of FDCPA 809 ( b ) by failing to validate the debt when requested by my attorney and then continuing to attempt to collect and reporting to Experian Violation of FDCPA 805 ( b ) by contacting my elderly parents and telling them " something bad '' would happen to me if I did n't pay

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 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I just received a very threatening call from a debt collector ; first leaving a threatening voicemail saying I was in dire straights and I need to call back immediately because someone issued complaints against me. I was very confused thinking who could file a complaint against me so I called the phone number that was left on my voicemail. After calling the phone number, the representative XXXX XXXX XXXX explained I had debt with US Bank. I was very confused because I had not had a checking account with US Bank for over 7 years when I closed my account because I was moving to a different location. I told her if I had a credit balance where I owed money to US Bank, they would not have allowed me to close my checking account. She then said that I had an outstanding credit balance of over {$500.00} and If I paid her a little over a {$1000.00}. everything would be taken care of. I told her I would go to US Bank and take care of this since, I legitimately closed my checking account with US Bank without a credit balance. Please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I 've been charged additional overdraft fees and I do n't understand Tcf practices. I have called and went into the branch several times to try and get help but it appears the people working for the company does n't understand the practices either. My online account never shows my end of day balance as negative however I keep getting charged fees. I have pending transactions they make me negative but I was told if I make a deposit before  XXXX  I would n't get charged fees. How am I getting charged fees for items that have n't posted yet? I have had this same issue before and I believe Tcf had practices that intentionally takes money from cudtomers. I was told it was a tool to help me and I 've done nothing but give my money to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief