milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I received a notification that there had been a change to my credit report and that there had been a decrease in my score. When I checked my report it showed me that an inquiry was reported with Transunion for a XXXX XXXX card on XX/XX/XXXX for a XXXX XXXX XXXX. I immediately contacted Transunion XX/XX/XXXX to inform them that this inquiry is in fact not mine that has been reported against my social but that it is also an inquiry from almost two years ago! The Transunion representative name XXXX in Special Handlings Department in the United States told me there was nothing that she could do to help me even though she could see this inquiry had just been added to my report from an older date and did effect my credit score. I then contacted a representative at XXXX XXXX XX/XX/XXXX following the call to Transunion to dispute this inquiry. The representative informed me that I was not in their system, that she could not even find my having an account with them and that the card or account for which the inquiry was from does not even exist!! I am very upset about the effect this has had on my credit and this situation has now put me in a position to where I can not move forward with purchasing a new vehicle. I did not apply for any account with XXXX XXXX and want this removed from my credit and would like for my credit score to be readjusted to reflect that. It makes absolutely no sense to me that an inquiry that is not mine and from two years prior can be put on my report without my having knowledge of it but that I 'm constantly being told there is nothing that can be done to remedy this. I want it off!

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 10-03-2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion was hacked and my credit report file, a hacker set up an account using my SS # and was sent credit reports by Transunion with all my information. the hacker then opened various accounts and also opened several cell phone accounts with XXXX and we got the notice and welcoming packet from XXXX sent to me at my home address, this started us investigating and found the fraudulent account set up on Transunion ... ... ..they never contacted my wife to say that the account was set up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Mortgage debt) with Seterus, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was notified on or around XXXX XXXX, XXXX, by a letter from Seterus, Inc., who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX XXXX , Utah . I was told by Seterus , Inc., I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. Seterus provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They did not indicate how it was verified so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining thins information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX, my house went into foreclosure and Owcen was notified and confirmed that the house was indeed foreclosed and they were going to notified the XXXX credit bureaus ; XXXX, XXXX, XXXX, and update their file. Upon further investigation, it was reveal that Ocwen continue to show that the loan was open and activity on the loan until XXXX XXXX. In addition to showing the loan as active, Ocwen reported to the XXXX credit bureaus that I was 120 to 180 days late when in fact the loan was closed and house was foreclosed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX, 2015 I should have received my direct deposit from my employer to my Rushcard account and I did not receive it. I tried to access my account through my mobile app and I got locked out. I called the customer service and every call I got two different types of responses. One response is that I have an available balance but it was from XXXX XXXX, 2015 not the previous pay period on XXXX XXXX, 2015. The second response is that they 're sorry but they ca n't access my account and I 'll be directed to an customer service representative and the phone would hang up on me. I also noticed it is XXXX different female voice operators. Numerous times the phone hung up on me and I only spoke to XXXX representative XXXX separate times and when they told me the issue and said they were going to resolve my account issue they had me on hold for over and hour and when I would call back the phone hangs up before it can even ring or the holding music plays. I called again on XXXX XXXX, 2015 and spoke with a representative on how can I have them send the deposit back to my employer and I got put on hold for almost over XXXX minutes. I see I 'm still apart of the ones whose account issues did not get resolved and it 's holding me up from paying rent, bills, food, gas and other necessities. Mind you it has been over two weeks now and I still have n't got an email, text or anything in the mail about the issue or contacted about how they apologize for the action and how they were going to resolve the issue. Very unprofessional and I feel like I 'm being scammed and I want everything owed back to me and I want to close my account with Rushcard and I do not want them to have any of my information no longer nor conduct any business with them because this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.

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 07-08-2016 about Credit card () with PAYPAL HOLDINGS INC. (MD).
Issue: Transaction issue

Complaint: I have an account with PayPal that involves promotional purchases in which interest is not payable if you pay the charged balance within the promotional period, in this case 6 months. In reviewing my account upon making a payment today ( XXXX/XXXX/XXXX ) I discovered that a charge in the amount of {$360.00} in XXXX XXXX did not have any portion of my payments since the purchase applied to reduce the outstanding balance, thus leaving the balance as of today the same as it was in XXXX. In speaking with a PayPal representative ( who was very helpful and cordial ), I was informed that {$230.00} of my previous monthly payments should have been allocated to this purchase to reduce the outstanding balance to {$120.00}. She explained that it appears that a system processing error occurred which did not automatically allocate my payments to reduce the balance. In order to avoid paying the accrued interest for the purchase ( {$35.00} ) I had to immediately make an additional payment of {$120.00} since the promotion payment period expired tomorrow ( XXXX/XXXX/XXXX ). I had already made a payment of {$150.00} on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (FHA mortgage) with LAND HOME FINANCIAL SERVICES (CA).
Issue: Settlement process and costs

Complaint: During the final stages of the home purchase transaction ( under the new XXXX regulations ), I received, reviewed, and signed off on the final closing disclosure documents submitted by the lender. After signing the documents at escrow and waiting for the lender to fund the mortgage loan, I was notified that the lender required additional monies before the mortgage could be funded. I complied under duress ; to avoid homelessness. 
In reviewing this situation and XXXX requirements, identified several missteps on the part of the lender : The lender failed to review or audit documents prior to submission to the consumer. In multiple closings, my agent personally identified errors in the closing disclosures. Errors include splitting apart fee amounts so that they can not be matched to information previously received by the consumer, incorrect entries, and missing entries. Each situation places the burden of disclosure detail accuracy on the consumer, who in all fairness, should not be charged with auditing and identifying issues on bank disclosure documents without the financial details and calculations required for a " clean '' assessment of document accuracy. 
The lender notified me via the title company and did not alert the consumer directly ; the title company representative was placed in the position to notify the consumer of a lender change and that funding would not occur unless additional funds were remitted. My agent followed up directly with both the title company and the lender, neither had a clear explanation as to why the change had occurred. The lender ( the person that interfaces with the public ) said the change was put in by the " processor '', was aware of the change, but had no knowledge as to why the change occurred. 
The XXXX process is an arduous, administrative process that allows lenders to give a show of compliance, but lack the consumer protections which were perceived as the " intent '' of the new requirements. 
The end-to-end XXXX process is not defined. The XXXX documentation suggests that the review timeline is the " end '' of the process and does not clearly account for changes following escrow signing. It would seem that any change, especially a change that is detrimental to the consumer should not be allowed once the final closing documents are completed, reviewed, approved, signed, and executed. The financial institution should take the loss in the event that it fails to deliver complete and accurate documents to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (WA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I sent Loancare {$200000.00} to recast my loan. The {$200000.00} was applied to my loan on XX/XX/XXXX.  This brought my loan balance to 47 % of the original loan. On XX/XX/XXXX Loancare deducted {$130.00} from my escrow for mortgage insurance. I assumed this might be for XX/XX/XXXX and ignored it. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I sent an email to Loancare 's support and asked why they are still deducting mortgage insurance when my loan is at 47 %. On XX/XX/XXXX I received this resonse " We have received your recent inquiry in regards to your mortgage account. Our records show that your records show that your recast modification is set to start on XX/XX/XXXX. '' I sent another email telling them that did not answer my question that the recast has nothing to do with my present loan balance. They did not respond. On XX/XX/XXXX I called customer care and the representative told me I needed to send an email to cancel the PMI. On XX/XX/XXXX I sent an email to support to cancel my PMI and return the mortgage insurance funds back to my account. I did not get a reply. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I called customer care again. I talked with XXXX # XXXX. I asked him if I could talk with a manager to get the mortgage insurance payments refunded. He said I ca n't talk with a manager but he sent an email to his supervisor who would get back to me in XXXX or 4 days. I did not get a response. On XX/XX/XXXX I called customer support. I talked with XXXX # XXXX. She told me it would be taken care of by Mid XX/XX/XXXX. I asked her to see if it could be escalated since I am refinancing. She told me to call back XX/XX/XXXX. I called customer support XX/XX/XXXX and talked with XXXX # XXXX. She told me they were not going to refund the mortgage insurance payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised during the Equifax data breach. The trust of just shy of 150 million people has been abused, and frankly it is outrageous. 

Our security should be taken far more seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Taking out the loan or lease

Complaint: In late XXXX of 2016 I was asked by a professional contact to co-sign a car loan with him. I spoke to the salesperson who explained that I would be the co-signer, that I could remove myself from the loan at any time and that I was not responsible for any payments. I agreed to help my friend and the loan papers were drawn up. The salesperson met me at a XXXX 's to sign the paperwork. I am listed as the lead signer on the paperwork. This " friend '' has only made XXXX full payments, the rest have been made by me. He is hiding from me ( blocked calls/Facebook access ) and the finance company, has moved both work and home locations. I believe there was intent to deceive me from the beginning of this transaction and I also have come to recognize that there were errors made that should have invalidated this loan. First : I am not on the title to the car. The dealership does not show me as being a rightful owner of this asset, yet I 'm the only XXXX making payments. Second : The address that is listed under my name does not match my address. It was the original address of the co-signer, but even he does n't live there. Third : The salesperson did not go over any terms of the loan with me, did not tell me how to make payments, and in having the improper address I did n't find out about payment dates, etc. until the second payment was late and I received a call from the finance company. 
I am now making payments on an asset that I have no rights to collect, and am doing so on a loan that is fraudulent. 

I have attached a copy of the title received from the finance company ; an electronic version of the statement showing an improper address for me ( notice my name, NOT his ) ; and some proof of payments ; I may have missed a payment proof but would be able to get that from my bank account.

Company response to consumer: Closed
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Acct # XXXX Ditech Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax # XXXX XXXX I faxed and have proof of submission to have PMI removed from my loan and they continue to stall and refuse my request. I called multiple times and have been getting the run around they are purposely preventing me from requesting this PMI removal so they can make more money charging hundreds of dollars more for unnecessary PMI for the housing market in XXXX, XXXX my assessed value far exceeds the requirement. Today I XXXX XXXX, 2016 I will attempt a XXXX time to send a CERTIFIED letter even though i have proof and confirmation my fax was received by them on XXXX XXXX, 2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with ONLINE Information Services, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received messages from my former employer that a debt collection company was calling them several times a day for me. I have not worked at that company for over a year and they never called while I was working there. Today, I received a call from them. In the message they disclosed private information about my debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/2015 I checked my Experian credit report because I was concerned the XXXX hack might have affected me. I found Experian had added another social security number, another address, and XXXX variations of my name = all wrong. After a lengthy telephone call, Experian agreed to remove the errors. My recommendation to you is that before any credit bureau adds a new social security number, new address, changes the name, they should be required to verify such changes with the person on file ; now they do not. thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (SC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On  XXXX / XXXX /  XXXX   (  XXXX  ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over  drafted one s ingle charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Application, originator, mortgage broker

Complaint: In 2010, the value on my property had dropped significantly due to the mortgage meltdown, so my wife and I became behind on payments on our first and second mortgage. We were advised by an attorney to file bankruptcy. We had to file Chapter XXXX, because of our combined income, and later converted the case to Chapter XXXX when my wife lost her job. The Chapter XXXX bankruptcy was discharged in 2010, eliminating my 2nd mortgage and allowing me to keep the 1st mortgage and my home.

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