milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Universal Recovery Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Universal recovery cooperation. 

I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a credit inquiry on my Equifax report that is from XXXX - XXXX it 's dated from the day someone tried ( without success ) to steal my debit information. XXXX/XXXX/2016. I ca n't find any company with this title. I also am marked as having a credit history for only 4 years but I am XXXX and have a credit history for 40 years!!! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a credit card with Bank of America. I opened the credit card with an introductory 0 % APR on purchases. I set up automatic payments on the card when I initially got it in early XXXX. I held a balance on it for a short time and than paid it off in mid XXXX, then did not use it for several months. In late XXXX I charged the card a couple times, and I had not removed automatic payments. I assumed the card would be paid with auto pay but then I got a call from BOA on XX/XX/XXXX saying they needed to collect a debt. I stated the auto pay should be in place and their response was that if the card has a XXXX balance for some undetermined amount of time then auto pay MIGHT not continue. I took care of the debt but I do not think this should count against me as a late payment. Hopefully this can be resolved. Thanks.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've been charged {$10.00} from XXXX, XXXX, and Experian on XXXX XXXX 2017 to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

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 10-11-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance of my home mortgage to lower my rate with a credit score over XXXX and excellent debt to equity ratio. My mortgage payments have never been a day late. My net worth is high. I was told it would take 9 weeka Now almost 5 months later still no approval. I am XXXX XXXX and feel this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I filed bankruptcy on XXXX/XXXX/2015. I check my credit reports and my XXXX and XXXX reports are both reporting inaccurate information. Capital One is reporting a XXXX late payment for the month of XXXX and a 30 day late payment for XX/XX/XXXX on both my XXXX and XXXX reports after I filed my bankruptcy. My bill is due on my Master card ending in XXXX on the XXXX of each month and on the XXXX of each month for my XXXX card ending in XXXX, Capital One is reporting on my XXXX report that my discharge was file on XXXX XXXX 2015, which is inaccurate. I have included a copy of my Notice of Bankruptcy filing for verification. I have called Capital One several time to have them to updated. They have updated but not the correct bankruptcy file date and they are are reporting me as being late. I have never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit reporting company Midland Credit is in violation of the Fair Credit Reporting Act by abusive collection practices, and obtaining validation of debt information. The conduct has been unethical, negligent and noncompliant. The company has not furnished accurate and complete information. sect. 609 ( FCRA ) Their harassment, oppression, abuse and conduct is prohibited by law and implied account was turned over to innocent purchases for value. The company harasses me several times a day with inaccurate findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I filed a complaint on FBC [ Case number : XXXX ] due to the miscalculations for a loan modification. FBC did reply the complaint and admit fault and since I 've re-sent documentations for a loan modification to FBC. On a weekly basis, I call and check on my loan modification but it seems no update has occurred. For example, I called on XXXX XXXX, XXXX and spoke with XXXX XXXX rep # XXXX and she informed me they received all my documents and the opener has 5 business days to review the documents before sent to the underwriter or the consumer is contacted if further documents are needed. XXXX XXXX informed me the day I called, XXXX XXXX, XXXX, was the final business day and there will be an update by tomorrow. So, I called FBC on XXXX XXXX, XXXX and spoke with the same rep XXXX XXXX who informed me she will check with the opener again and will escalate my case. Such " run around '' is frustrating, unacceptable, and unprofessional. My intent is to keep my home yet I feel FBC is dragging the process with the intent to take my home away from me. I faithfully follow-up with FBC and give any requested documents in a timely fashion yet FBC is not working with me. Please look into this matter as my intent to reinstate our mortgage and keep our home.

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 Money transfer, virtual currency, or money service (Foreign currency exchange) with XOOM CORPORATION (VA).
Issue: Problem with customer service

Complaint: I live in XXXX XXXX. For years I used XXXX for sending money from XXXX XXXX XXXX XXXX My Retirement ) account, now they will not help me. We have bad phone service here, when a representative I assume call services can not hear me, they say goodbye and hang up on me because of bad connections. 

I would like to use their services. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a very old debt that the original company has collected on and they are harassing me to pay a debt that has been paid

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 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: back in XXXX i found a fraud account on my credit report and i called the company let them know this account was fraud i also sent over my police and ftc affdavit regarding this fraud account this company placed this account back on my credit report without no notification and they also put that is was charge off as of XXXX/XXXX/XXXX and thats a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Their investigation did not fix an error on your report

Complaint: I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation an d copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou  gh TWO YEARS has already passed.
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Alll I received from this compa  ny is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

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 04-03-2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Other

Complaint: My complaint is against GE Capital Care Credit. I received a loan through them for XXXX XXXX XXXX in XXXX of XXXX. The office finance person of XXXX 's XXXX XXXX offered this line of credit so that I could have the procedure done. Nothing was really explained at that time so I signed the document and was ready to go with the {$3000.00} credit and a promotional period of 3 years. I had also used it to pay for a XXXX for my daughter in XXXX of XXXX for {$300.00} in which I was told over the phone the promotional period would be 2 years. I turns out that the second loan promo period was only for 1 year. I do all of my transactions online and have never looked at any of the statements they have sent me until they charged me the XXXX very large interest charge of {$940.00}. The online version does not really keep a history of payments like it says it does and I was sure I had covered the XXXX loan by this time ( XXXX/XXXX/XXXX where as I had already paid them {$3.00} on XXXX/XXXX/XXXX ). Over the phone they had told me that I owed a large amount of late fees that totaled up to by {$47000.00}. These interest charges never shows up on the online version ... EVER! I then asked them to send me all of my statements. They did and when I received them I found that if I am a day late or the payment date they charged me anywhere from {$25.00} to {$37.00}. I was told by the person at XXXX 's XXXX XXXX that they had a 10 day grace period which obviously they do not. I also saw that they had been charging some type or interest charges of different amounts from time to time. They also charged some other fees and I have no clue what they are or why they charged the interest or the other fees. I did some research and found that your organization file a class action law suit on them. I read it and also found that I met all of the criteria for this suit but was never notified about it. They started calling me non-stop until they turned it over to another company that called non-stop after I told them to not call me. Now there is someone calling my phone threatening to issue a subpoena for me to be in court. This person has never shown up and I 'm not sure where I stand in all of this. On top of all this, they ran another credit report, that I did not authorized, on me in an attempt to lower the line of credit available, not that I will ever use this again. Please help me, I have already paid these people {$350000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2015 about Credit reporting () with ID Analytics, Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 04/25/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MO).
Issue: Settlement process and costs

Complaint: XX/XX/2015 I contacted Quicken Loans after received an offer from them for a home loan. The offer I received was for 3.625 APR FHA 30 years. After speaking with a few folks and agreeing to our credit being pulled and putting a good faith deposit up, we began the processing of refinancing my partner 's home so that I could be included on the deed to the property and the mortgage. The mortgage broker only offered us a FHA Streamline Refinance and I asked several times if this option will ensure that the Warranty deed for the property is updated to include me name. Each time he assured me that it would ( another Bank had told us we could not do this type of refinance because they would n't be able to add me to the Warranty deed and Title. ) We were quoted an APR of 3.99 % for the FHA streamline and told we should go with this option because any other option would be too difficult since it would require a home inspection etc. We proceeding and closed in about 3 weeks on the refinance. No issues over the last year, until recently we had to sell our home because we are relocating across the country. During the closing process, the title agency determined that in fact my name was never added to the Warranty deed for the property and that while I was liable for the mortgage, had something of happened to my partner I would have had to went through probate court because Quicken failed to update the Warranty dead as promised. This not only slowed down the closing on our home, but added frustration because for a year I had believed based on what I was told I was added to the Warranty Dead for the home and never was. Therefore I was paying on a mortgage to a house which I did not legally own. It was very shady to know that Quicken either failed to update the proper paperwork with our Country regarding the Deed or flat out lied in order to get me secured on a mortgage even though I would not legally own the property. It was very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have try to contact Midland funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with XXXX Card Services and they do not have anything in there computer that says I owe them any amount of money. So Midland needs to stop reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On X/XX/17 a charge was made on my Bank of America Mastercard in the amount of {$320.00} at XXXX # XXXX in XXXX, OH. Neither of the authorized cardholders on this account ( my wife and myself ) made this charge. I have made repeated attempts by phone and by mail to resolve this issue. Finally, BofA agreed to investigate the issue. A case number XXXX was assigned. They notified me that the card was swiped at the store, therefore the charge was considered legitimate and my claim denied. A sales slip was provided as " evidence ''. I have pointed out repeatedly that we never have been in XXXX, OH, did not make or authorize the purchase, and that the signature on the sales slip was not that of either of the cardholders. Since my last response rejecting their resolution was mailed on XX/XX/XXXX there has been no response. It seems unreasonable that they should be allowed simply to ignore this issue and try to resolve it by stonewalling and not taking into account the substantive details of the dispute by a pro forma response. So far the charge has not been removed.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXXI sent a dispute to Equifax for an erroneous account on my credit report and they never responded to me, period. 

I also sent two disputes to XXXX for the same thing. The first response I got from them saying that it had been updated/remains and that 's not what I asked for. Then, I sent a second dispute and they said they would re-investigate my dispute. Now something seems fishy about this because they never provided me with the info I asked for to begin with. 

I sent both letters certified plus I have copies of what I sent both bureaus.

Company response to consumer: Closed with explanation