milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had identity theft. It was over XXXX worth on XXXX cards. From the target data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was chase freedom and capitol one XXXX agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.

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 05/15/2015 about Credit card () with DISCOVER BANK (DC).
Issue: Closing/Cancelling account

Complaint: Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Thursday, XXXX XXXX I went to the XXXX XXXX WELLS FARGO XXXX ( XXXX XXXX, NC ) to present a check for deposit into XXXX of my accounts. I have checking, savings and stock accounts for the past 16 years and the amount on deposit is about XXXX times the amount of the check, plenty to cover it. The check was from my brother in another state who is totally incapacitated and was endorsed to me for deposit to be utilized for his expenses. The check was issued by a nationally recognized corporation and drawn on the XXXX XXXX XXXX. The teller and bank manager refused to accept this check for deposit into XXXX of my checking accounts. I said that they could put a freeze on the amount of the check for a period of time, call my brother to verify this deposit but to no avail would they accept this check. I took this check to SOUND Bank a few doors away and presented it. In XXXX minutes they proceeded to accept this check and asked what I wanted to do? Ultimately I asked for a cashier 's check or XXXX so I could walk back to WELLS FARGO and cash it to demonstrate what great service a local, XXXX can provide. I collected my money and went back to SOUND bank to open a new checking account for my brother.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Making/receiving payments, sending money

Complaint: XXXX, Synchrony Bank, ( XXXX XXXX XXXX line ), took the class action settlement refund out of my account. They altered my credit line in order to regain the payment/ credit I received. Example Credit line was {$350.00}, posted credit for court settlement {$50.00}, then reduced the credit line to {$250.00}. Essentially taking it back the refund. Account in good standing, no missed payments, always on time etc. There seems to be no real good reason, from my standpoint, to reduce the credit line it has been the same for years with GEMoney bank the previous financial institution managing the credit service.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A " letter from XXXX-First Data Credit Card Transactions Clearing Service named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX or XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XX/XX/XXXX-XX/XX/XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in Sen. XXXX 's Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from XXXX XXXX XXXX for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX-First Data offers self-opposing facts, untruthful information & no useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (WI).
Issue: Trouble during payment process

Complaint: fourclosed on by PennyMac XXXX XXXX XXXX affordable mortgage mod. trail end XXXX XXXX approved for mortgage modifacation signed doc XXXX have made all payments PennyMac says modifaction, has not been excepted you are in fourcloser XXXX We have made our payments as per modifacation Asked where are the payment going? 
We are told to pay for fourcloser. 
We told them, the fourcloser was dismissed. 
PennyMac says no it was not. XXXX We have never recieved accuarate numbers from PennyMac We have been over charged, by inspection fee The inspector tells my nieghbors we are in fourcloser Mortgage sold again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This debt older than 7 years and should be removed from my credit report. I contacted them to inform them, however, they have not removed it. The debt was charged off in XXXX of XXXX -- more than 7 years ago now. They had closed off the account long before this date. 

They claim there was activity on the account in XXXX. This would be impossible since they charged it off in 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 06-10-2016 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (MO).
Issue: Loan modification,collection,foreclosure

Complaint: This mortgage is the second on the property. Due to hardship we are going through a DIL on the property. Process started in XXXX. By XXXX the primary mortgage had approved the DIL but needed the second to be cleared. We had contacted the second mortgage communicating out intentions and filled out the requested paperwork in XXXX and early XXXX. The first mortgage made a settlement offer. I was given verbal confirmation that the settlement was approved near the end of XXXX. An acceptance letter was sent in XXXX. The letter was not the appropriate letter for the situation. It stated that they would take possession of the property, not release the lien, among other things. After much discussion between myself and the two mortgage companies, an appropriate letter was produced. We signed it and notarized it. The first mortgage sent a settlement check near the end of XXXX. The check was " lost '' ( it did eventually turn up 8 weeks or more later ). The first mortgage had to cancel the check and send another. This check was received XXXX XXXX and put into a suspense account. I was told the request for a release was filed around XXXX XXXX and would be completed within 30 days. The first week of XXXX it had not been completed. It had been shuffled through departments and " misplaced ''. I was told that it would be processed as soon as possible. It was sent in for recording on XXXX XXXX. The county returned it because they did not include recording fees. Initially, they were waiting for the returned documents to show up ( which to my knowledge has not happened yet ). After much insistence I was told that a new set of documents were being drafted and sent in. It is XXXX XXXX and this has not happened yet. 
Main complaints : Every step has taken to the last moment or longer to complete. 
Settlement acceptance letter was incorrect - should be standard. 
Emails and phone calls were rarely if ever returned in the " 24-48 hours '' All mailed documents/check lost I have had to follow up with every step to get anything done Recorded documents sent without payment. 
This should be a standard occurrence and every step has had issues. It feels deliberate or incompetent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX # XXXXTransunion account # XXXXFrom XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is inaccurately reporting an account for a previous car loan with XXXX XXXX XXXX that has been removed from other credit bureaus because the car was returned and the balance satisfied. When asked Equifax to remove this item they are using my name and identifying information to confirm the account without properly checking the records for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: In XX/XX/XXXX, due to a temporary financial hardship, I requested for extension and reduction on loan payment until I bounced by financially.

I was unsuccessful in getting that request approved. This resulted in 2 30 day late reportings on my credit back to back for the month of XX/XX/XXXX and XX/XX/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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Filed a investigation with XXXX in XX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I got behind on my mortgage regarding varies situations, I then requested a modification, I summited all the information requested and was told that I did not make enough money and because I have equity I should liquidate, I summited the amount of income {$4100.00} per month and debt/expenses {$3200.00}. I 've had my home for 13 years and do not wish to lose or sell my home. my interest is at 6 %, I have just been XXXX in my home which will increase my income and I have eliminated some of my expenses. I moving in the right direction, but I feel that PNC have not giving me a fair assessment on their reasoning for denying the modification states that I make {$3100.00} which is incorrect. I welcome your opinion and any assistance in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX/XX/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have reviewed my credit reports with a lawyer. He has informed me that Equifax is reporting to accounts illegally. They are not reporting the debt collector or creditors name. This renders the accounts non-verifiable and not accurate. A violation of Federal law. They have been written several times and have done nothing about this

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Mortgage debt) with Real Time Resolutions, Inc. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Payday loan, title loan, or personal loan (Installment loan) with Atlanticus Services Corporation (NH).
Issue: Getting the loan

Complaint: I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX  warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and XXXX XXXX arent wanted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice via mail from debt collectors HRRG to pay a debt of medical service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with N.A.R., Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have accrued extra interest during unnecessary forbearance due to customer service emailing me that as my only option during the period I was not in school. They were not willing to work with me for other repayment options. They also called my phone and family members phone repeatedly after being asked not to call and using an automated dialer to make the calls and leave voice mails.

Company response to consumer: Closed with explanation