milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened an  HSBC  account checking account in  XXXX ,  XXXX  when  HSBC  had a promotion of {$350.00} for opening a new banking account with it. I received my bonus on  XX/XX/XXXX  after I fulfilled all requirements. However, I never received the IRS  XXXX  in  XXXX   XXXX   XXXX   when bank was supposed to provide to customers by  XXXX . Customer service representative informed customers that HSBC wo n't sent out until  XX/XX/XXXX      Surprisingly,  HSBC  sent out the IRS  XXXX  form on   XXXX   XXXX   XXXX   with a letter admitting their mistake and oversight. They further offered customers the reimbursement of any cost of amending tax return filing.     On  XX/XX/XXXX , when I called the customer care number on the letter after I refiled my tax return. The first rep was not aware of this issue, and put me on hold while contacting her supervisor. The phone call was dropped after 37 min of hold. I called back immediately, and another rep answered and said she knew the issue. But she said there was nothing she can do and hang me up without any hesitance.     The whole issue was caused by the " oversight '' mistake from HSBC side, and it sent out an apology letter and offered some assistance. However, its customer care reps instead of helping customers out as indicated in the letter but treating customers unprofessionally, and refused to honor its own company 's notice to help. Based on customers 's comment online including but not limited to blogs, social networks, what happened to me was quite ubiquitous.This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX   XXXX   XXXX  owns a lot in  XXXX  on  XXXX   XXXX  and attempted to sell his lot using our office  XXXX   XXXX   XXXX . We opened title at  XXXX   XXXX  in  XXXX  and the title commitment came back yesterday showing a Lien on the vacant land from  XXXX   XXXX    XXXX    which has been bought out by  XXXX   XXXX    XXXX   or   XXXX   XXXX   XXXX   XXXX    ( u nknown at this time ). We have tried to contact  XXXX   XXXX   XXXX  however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed.     My client paid cash for his lot in  XXXX  of  XXXX  and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in  XXXX  of  XXXX .  XXXX   XXXX  is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the   XXXX   XXXX   XXXX   sign a release of lien so my client can close on his vacant lot.      XXXX   XXXX   XXXX   Complainant 1   XXXX   XXXX   Complainant 2   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , Texas  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding 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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My identity was compromised in the Equifax data breach which reportedly was discovered on XXXX XXXX, 2017 - the compromising includes my home address, telephone, SSN, DOB, license number, and potentially more harmful information. I have since placed a freeze on my accounts at the major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Managing the loan or lease

Complaint: Account number:XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Failure to provide me with a breakdown of penalty fees and non standard charges that are being assessed to my account. It has been requested multiple times and not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Greetings All, I have/had a mortgage with HSBC - it withdraws the mortgage from my bank account every month and has since 2004. Today I received a collection notice from XXXX - which states that I owe approximately 2 months of mortgage payments. I looked at my bank statement and the last two months have not been taken out of my account by HSBC ( since XX/XX/XXXX ). The extra money is just sitting there. 
I never received a notice about a transfer of ownership from either bank. I do not live at the residence, but had been receiving the statements and had received a letter stating they noticed my new address when I moved at the beginning of XXXX. They also used to email me monthly. 

I thought that both parties needed to contact me ( or at least one ) - and XXXX obviously has my address since they sent a collection notice. As they are closed now, I will reach out when they open at XXXX EST, but I am definitely not happy if they switch this without telling me and am worried my credit would be affected. 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo mismanaged my escrow account. My home was purchased XXXX XXXX for {$280000.00} XXXX/XXXX/XXXX - Wells Fargo refunds from escrow {$1500.00}. Also drops the monthly payment from {$2000.00} to {$2000.00} ( - {$48.00} represents a 2.4 % reduction in payment ). 

XX/XX/XXXX - 5 months later Wells Fargo re-runs escrow analysis. They determine that my escrow account is now short {$1500.00}. They have forced me into a situation where I have XXXX options Option 1 : Come up with {$1500.00} in two months and raise my payment to {$2000.00} ( XXXX increase of 4.1 % ) Option 2 : Spread shortage over a year which results in a new payment of {$2200.00} ( + {$200.00} increase of 10.3 % ) Neither of these options work for me. I can not afford an increase to my payment of over 10 %, and I can not come up with the shortage in the amount of {$1500.00}. My family is a single income household of XXXX people. 

I do n't feel this is right given that I have a USDA 100 % financing fixed rate mortgage. My payment should not swing up 10 % in a given year. I took a USDA 100 % financing loan because I do not have a lot of extra cash just laying around to pay $ XXXX+ in a given time of year. I spent the refund that was given to me XXXX of last year on bills and XXXX. I think the amounts show that the escrow account was setup correctly at the time I purchased the home XX/XX/XXXX. The mortgage company received tax bills in XX/XX/XXXX, but must have been off of the prior assessed home value ( prior to my purchase ). Wells Fargo should have known something was incorrect given that the assessed home value reflected on the tax bills was {$30000.00} under the purchase price. Below is a chart taken from XXXX. 

Year Taxes Land Additions Total Assessment XXXX {$5000.00} {$70000.00} + {$210000.00} = {$280000.00} XXXX {$4400.00} {$60000.00} + {$190000.00} = {$250000.00} XXXX {$4500.00} {$50000.00} + {$190000.00} = {$240000.00}

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 Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Advertising and marketing

Complaint: I requested a Frontier Airlines credit card from Barclays with the promise of a XXXX mile frequent flyer mile credit from Frontier. I paid the annual fee and met the requirements 5 months ago but STIIL have not received the mile credit from Frontier. I have contacted Barclays several times to get this resolved but keep getting the runaround. Barclays seems to blame Frontier but I believe it is their obligation to make sure their partners deliver on what Barclays promised to get me to take their card. From online comments others are being mistreated over this also and many are calling this an outright scam. This behavior is beneath Barclays and Frontier. I am requesting an immediate credit of my XXXX miles or a return/credit from Barclays of my annual fee and cancellation of the card.

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 01-11-2018 about Debt collection (Credit card debt) with Kirschenbaum & Phillips P.C (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear CFPB I represent a client who settled a debt of XXXX. The client has XXXX and is selling his home. I have tried to no avail to obtain a release for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I had gotten behind on my mortage my dad was originally on the mortage note so i applied for a modification and had to do a quit claim deed on my father to get him off of the note so only my income would be used fro the modifcation because with my dads income it was to much to pay. We did the quit claim deed on my dad and them i was approved for the 3 month trial plam for the modification and this is my third month but i received a phone call asking why did i take my dad off of the note so now they are telling me before they can do a final modification i have to do another quit claim deed to put him back on and i can not pay the payment until that is done. I even spoke with my credit counselor and he said that makes no sense to him. the mortage company is saying that the papers have to be the way they were when i first closed on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Went in for XXXX on my XXXX under a health care provider that my Insurance covered. After an attempt himself to fix the issue my doctor had stated that it was imperative to get the XXXX done at XXXX. Being that it was the doctor requesting the XXXX it was a necessary measure. At first contact with XXXX I was astonished to hear that I had owed them a large sum of money. I am a XXXX student whom barely can afford to eat and have no way of paying off a medical bill like that. In initial talks with XXXX ( Current insurance provider ) they told me XXXX separate times that it was an XXXX and that they were not able to cover costs. I told them what had happened and assured them that it was the doctor 's wishes and not an XXXX. After the first, of XXXX failed attempts, to get it handled with XXXX I reached out to XXXX. I explained the situation to them and they told me they ca n't do anything about what kind of XXXX the doctor lists it as. Throughout my care I was passed along to XXXX or XXXX different physicians and I know that somewhere in the mix someone decided to list it as an XXXX. Additionally I went in to the XXXX being told that my insurance would cover costs and not once did I ever sign a patient responsibility form or have XXXX mentioned. My provider first hand did not adequately disclose the cost of service to me nor would they allow me to check on cost before hand. 

In my personal and professional opinion I do not owe XXXX or the collection agency any money what so ever. This debt was obviously sold off by XXXX to the highest bidder and I am sure that both parties are now profiting considering a medical organization would just write this off on their taxes. If this debt was transferred to a debt collection agency along with XXXX claiming a " loss '' on their income statement I am sure that I could take them both to court for tax fraud. I am prepared to do what it takes to get this off my record because I have maintained a decent credit history regardless of my many bills and debts I have taken out to provide myself with a quality education.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied with a credit worthy co signer for a XXXX loan at XXXX XXXX. My loan was denied when I received the letter of denial reason it stated Bankrupcy on credit report and aXXXX credit score. I pulled my report and as I already know I have no negative public record and my credit score is not what they reported. I filed a complaint with Equifax and XXXX. But XXXX XXXX refuses to accept ownership of the information which resulted in my denial. They also approved my husband but he too got a letter with the same denial but was approved too after the fact. We are both customers at XXXX XXXX. I feel that it is discrmination.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (DC).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: XX/XX/XXXX I made a transaction from my RushCard a bill pay transfer to my XXXX XXXX count of XXXX XXXX dollars I received a confirmation with said that it will be processed and deposit into my XXXX XXXX count on XX/XX/XXXX as of today my XXXX dollars has not been received at the actions that I have taken was I had to conference call with RushCard and even sent emails and reference to this was a sure that within 24 hours I should received an update or refund on my account I have not received either

Company response to consumer: Untimely response
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This Account Was Not Opened By Me This Is An Fraud Account

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: This compliant is against Beneficial Finance aka Household finance. 
This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State. 
What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company. 
Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent correspondence to equifax multiple times with no response to the inaccuracies on my report. I have sent one letter without police report and another letter with 2 police reports in order to clear this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to refinance with Quicken Loans since XXXX/XXXX/2015 the process has been a painful one. they have been disrespectful, changing my numbers ( the good Faith estimate ) XXXX times even on the day of the closing. In addition to all of that, I did the so called closing on XXXX/XXXX/2015 and I signed all the papers including the HUD. They called me today XXXX/XXXX/2015 saying my closing is cancelled and I have to re -close.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Here 's mynissue : I want to pay Speedy Cash off in full. I suffered a series of distressing and documentable circumstances. Going in person to attempt to speak to an associate, I felt humiliated, discounted and embarrassed. I am also seriously concerned about predatory lending with beastly, unfair fees on top of fees and mountains of interest charge. 

I need your help, please : I am formally demanding a total payoff amount - minus those predatory fees and beastly interest. Also, had I been able to get help, clarity and assistance in person, I know that some of these fees would not be on this account. 

Please assist me toward demanding a full payoff amount offer, in writing minus those predatory fees and compounded interest on top of interest. I want this account to be totally resolved. Please also pass stricter legislation to govern and regulate these predatory organization and the way consumers are treated. Their documents are complicated for the average person and difficult to understand the true, devastating impact on a consumer 's account, budget and life. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Managing the loan or lease

Complaint: WORLD FINANCE CORP. IS OVER THREE YEARS ACCOUNT AND THEY STILL REPORTING ME ON MY CREDIT REPORT. CAN WE DISPUTED ON MY ACCOUNT SO THIS MATTER CAN BE CLEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I signed up for Fraud Alert with Transunion. I also received a free credit report from them. In the Transunion Interactive Service Agreement, it states : YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. You must notify us in writing within sixty ( 60 ) days after the date you click-on to " Accept '' the Agreement. You must send your request to : TransUnion XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX. This request must include your 16-digit account number and a clear statement of your intent, such as " I reject the arbitration clause in the TransUnion Interactive Service Agreement. '' As requested in the agreement to reject the arbitration clause, my 16-digit account number either does not exist, or is nowhere to be found. I called XXXX and spoke with Supervisor XXXX whom was not aware of an account number. Instead, he gave me a FIN number ( that was not 16-digits ). I could not understand his dialect, so, I am not sure it was even a FIN number ; it may have been a PIN number. Furthermore, he advised me to call XXXX for my account number. The representative at that telephone number knew nothing of a 16-digit account number, however, he gave me my User ID which was not 16-digits long. I searched all of the Transunion websites I could find, past Transunion e-mails, as well XXXX searches for where to locate said information, and still could not find my 16-digit account number. 

I 've included in my letter sent via certified mail on XX/XX/XXXX to Transunion all relevant information I could think of including my name, address, User ID ( according to the representative I spoke with on the phone ), and the last 4-digits of my social security number, in hopes of legally rejecting the binding arbitration agreement. It is unacceptable for Transunion to require this account number to reject the Arbitration clause if this number does not exist or if I have no reasonable means of locating the number.

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