milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: Since XXXX of XXXX, I have been contacting HSBC for a recorded documentation of a lien release from a loan in XXXX. I have filled out the appropriate paperwork ( see attached document ) and called several times within the month, and they said I had to wait a whole month before they would provide the lien release. This lien release is needed by XXXX XXXX XXXX XXXX to fulfill the requirements for my home re-modification. On XXXX XXXX, I called HSBC on this number XXXX, extension XXXX, and spoke to a gentleman on a conference call with my financial adviser, XXXX XXXX, from XXXX XXXX XXXX XXXX. He said that HSBC did send " something '' to XXXX XXXX, and its most likely the recorded lien release. However, XXXX XXXX told me that it was not the lien release. On XXXX XXXX, I called HSBC and asked them once again to check into my case, and apparently they did not work on it since my initial request in XXXX. THIS is after I called several times asking status, and they said they were working on my request. I explained to them once again, my situation that XXXX XXXX is threatening to foreclose on my home, because they have asked for this since XXXX, and I have not received any documentation. A very nice lady XXXX XXXX said she would get on it, but as you can see from the attached emails, she too can not get a response. 

When I called the Recorder of Deeds, they said there are two documents that refer to the same lien. Those document numbers are : XXXX and XXXX. They BOTH refer back to the same lien. I have also called HSBC as well as emailed them this information. 
There seems to be a very callous, uncaring response on HSBC to fulfill what they are supposed to do, without any understanding of the impact on my life. I need my home to live in, for my business and to take care of my elderly mother. 

I am looking to HSBC to please to submit the satisfaction letter I need, so that this daily threat of foreclosure does not loom over my life everyday and so that my life, is not on hold anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting a collection account to Equifax that is incorrect. 

Per my credit report Account was opened XXXX/XXXX/XXXX, Date of Last Payment was XXXX, Date of XXXX Delinquency was XXXX, Date of XXXX Delinquency first reported was XXXX. 
On XXXX/XXXX/XXXX I submitted a dispute to Equifax to investigate. In my dispute I stated I did not owe a balance to them, as well as the information that is being reported is incorrect. If in fact my last payment was XXXX, then it would be impossible for my XXXX Delinquency to be XXXX, which is 26 months after the alleged last payment was made. 
The results of my dispute to Equifax state they have verified the information is correct, however it is blatantly obvious it is not correct and I would hope this would be removed from my credit report immediately, as it has caused adverse consequences in preventing me from obtaining credit and caused an unjust financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My issue is in regards to my credit score and why it has dropped XXXX points. I have a print out of my yearly Equifax report and it shows no changes for the past year so why the drop in points. I carry no unpaid monthly balances and have always paid my bills on time. The Equifax report shows -- length of credit history 31 years 2 months with the average account age being 17 years 5 months. I also have no negative accounts so I would like to know why has my credit score dropped XXXX points as shown on my XXXX program?

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (PA).
Issue: Managing the loan or lease

Complaint: In XXXX we applied for a line of credit with a credit union to consolidate some debts. Their search turned up XXXX line of credit loans with PNC bankXXXX XXXX XXXX XXXX old line that I thought had expired years ago. The other XXXX XXXX ) was a current line that was an active account. I called PNC customer service and was told to FAX a letter to remove the loans from the books. I decided to do these XXXX XXXX XXXX ) at a time so to avoid confusion. After hearing nothing more about the loan for two weeks, the PNC customer service person said it would take about ten days, I called again. The PNC customer service person said they never got my FAX and to resend the letter again which I did. About a week later I went to a local PNC branch office to talk to some XXXX in person about the issues I was having. While there I spoke with another PNC customer service person and she told me that the loan office had never received my second FAX. I sent another request to remove this loan from there and went home. When I got home the mail was in and with it was a letter from PNC that they had removed ( XXXX ) from the books. I was confused but happy, XXXX down XXXX more to go XXXX XXXX ). On XXXX I sent PNC the early termination fee and a message to clear and remove from the books line of credit ... XXXX. PNC 's Response was to FAX or mail a letter to them with this request so I mailed the request certified mail. In two weeks I called PNC again and was informed that they had not received my request. When I told them that I had a receipt stamped by their receiver the customer service person put me on hold and transferred me to another customer service person. This transferring me around took me through XXXX other operators. With the third XXXX I ended the call and told the operator that I was tired of being transferred around and would seek higher authority 's. 
I feel that this bank is trying to force me to stay with them by making getting a loan at another bank so difficult. And that I just give up and get the loan at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi. I received a phone call from CMRE FINANCIAL SERVICES that I got a collection debt from XXXX. I was completely unaware of this until today when I check my credit score. Two years ago on XXXX XXXX, 2015, I went to XXXX. I can assure you that everything I described here is true. I went there because I thought my contact was still in my eyes so I got my eyes checked. It only lasted 10 mins so the receptionist gave us a discount. I do n't have any evidence to prove this sadly. The total amount is XXXX. I absolutely paid everything since I was an XXXX ( you can verify this by my SSN and tax info ) and I would be back to college after a month. I am an XXXX so my college insurance does not cover in this case. They only sent mail afterwards to my temporary address in XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015, and other dates. I did n't know about this entirely for two years until today. So I immediately called them to ask for explanations but they were unable to give any reasonable explanation why they charge me. They said it 's unlikely to spend only XXXX dollars at XXXX. I have no choice but to pay the debt immediately. I really really did n't earn this debt and paid the full amount when left the urgent care. I feel very frustrated and helpless as an XXXX who tried to get medical help for the first time outside the college. It 's better if they can at least text me or email me instead of just keep sending mail to my summer apartment. Why they can not try notify me earlier instead of after two years? Why they send the first mail almost three months later instead of immediately after my visit? They ( XXXX ) can not answer. Please help me ... ... please

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I am on the lifetime opt out of credit card advertising and capital one. The company sending the advertising is Capital One, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have also called them by phone to see why they are in violation of the law about sending me offers no answer given just " Sorry '' Blatant disregard for the law. These offers need to stop from them and all the other credit card companies such as XXXX XXXX and XXXX have also sent me offer and Yes I have called them to ask the same question. I have been on the list for two month know " Why are they breaking the LAW? Why is the List not WORKING? Why are you NOT ENFORCING COMPLIANCE?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I bank with Wells Fargo NA. I have had accounting discrepancies starting XX/XX/XXXX for  {$200.00}. I kept having discrepancies XX/XX/XXXX for {$1500.00} ; XX/XX/XXXX for {$380.00} ; XX/XX/XXXX for {$500.00}. On XX/XX/XXXX, I adjusted my account {$280.00} dollars to reflect what the bank had. I then had discrepancies on XX/XX/XXXX for {$320.00}. Then on XX/XX/XXXX for {$240.00} ; XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00}. OnXX/XX/XXXX a difference of {$300.00}. On XX/XX/XXXX, I again adjusted my account {$320.00} to reflect the banks numbers. On XX/XX/XXXX, right after adjustment, I had another {$100.00} difference! I then went into the bank on XX/XX/XXXX to talk to a banker about the problem. Her name was XXXX in XXXX, Nevada. We both had the same numbers, but she could only spend time to do 1 months worth of ledger. I have copied all my ledgers from XX/XX/XXXX to XX/XX/XXXX. I feel that I am out around {$750.00} to {$850.00} dollars. I will need to send the ledger copies to you! I have 5 sets of 20 pages. I have a mortgage with Wells Fargo.

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 12-10-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (AZ).
Issue: Managing the loan or lease

Complaint: I made a {$350.00} promotional purchase at Lowes in XXXX that offered 6 months of no interest as long as I paid the minimum amount due and paid off the promotional balance in 6 months. I made almost {$3000.00} in payments in the 6 month period to pay down both the promotional balance and my existing balance, and Lowes did not credit any of my payments to the promotional balance. As a result, I was charged several hundred dollars in " deferred interest '' at the end of the 6 month period.

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 06/20/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a private student loan. The representative indictaed to me that i had forbearance time available to bring my account current which would avoid any negative credit reporting. She emailed me the documents, in which i faxed back on time. I expected my account to be brought current however it was still reported negative past due for 60 days although XXXX specifically told me to fax these documents and i would be all set. I check my credit weekly and noticed that XXXX XXXX XXXX the creditor whom is partnered with XXXX which houses the loan reported my account 60 days past due. When i contacted them they told me there was nothing they could do and apologize for the misinformation. This is extremely wrong and shouldnt be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Vehicle loan or lease (Loan) with Experian Information Solutions Inc. (CA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: We are looking to buy a new car. Two companies pulled credit score both received it from Experian. One company got score of XXXX and the other a XXXX. How can this happen from the same credit company? The scores were pulled within two days of each other. Also if XXXX claims to keep accurate credit scores, why are they always different when scores are pulled from loan company?

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XX/2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 04/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: I had a mortgage that was refinanced in XX/XX/XXXX and my name was removed due to the other joint owner XXXX XXXX financed it by herself yet XXXX is reporting it being closed in XX/XX/XXXX instead of XX/XX/XXXX and reflecting on my credit till XX/XX/XXXX. I need this matter to be corrected. 
WELLS FARGO HOME MORTGAGE Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Paid, Closed/Never late. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Mortgage Terms : NA Monthly Payment : {$0.00} Responsibility : Joint with XXXX XXXX Credit Limit/Original Amount : {$230000.00} High Balance : NA Recent Balance : NA Recent Payment : NA Payment History : XX/XX/XXXX CLS Your Statement : Completed investigation of FCRA dispute - consumer disagrees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient ( formerly XXXX XXXX ) makes it very difficult to pay off my private student loans. I have been paying for around 10 years now and have barely made a dent. If I had been told when I was applying how much I would have to pay each month and for how long, there is ABSOLUTELY NO WAY I would have signed off. Unfortunately for me, and fortunately for Navient, I was naive and uninformed. I did not know the right questions to ask nor the information to seek. 

My interest rates are insanely high ( 8-13 % ). With what I owe, you could actually finance an exotic car at around 4 % and pay it off in about 6 years. My higher education student loans are going to take me 25+ years. How are student loan rates allowed to be so ridiculously high when for the same loan amount you could get a car loan for so much less?? 

My payments are through the roof and I can never meaningfully get ahead. Even when I pay more than the minimum due, they put that extra money toward the following month 's interest rather than letting me pay down the principal. I did this for over a year ( when they were still known as XXXX XXXX ) until I realized what they were doing. Apparently, you have to mail in your payment, along with a letter stating that you want the extra amount put toward the principal rather than the following month 's interest. Why ca n't I choose to put more toward the principal with the simple check of a box online when I make my online payments?? Because they do not want to make it easy for you to pay down your loans. They want the interest payments. This system should be a crime. I hope it is. 

At this point, I have given up hope of ever paying it off. I am supposed to have about 15 years left of paying this mortgage-sized monthly bill, but seeing as how 10 years of payments have had little effect, I do not see how that would be possible. So I only pay the minimum now, even though it gets me nowhere. This debt will most likely follow me to my grave. And that is the Navient way.

Company response to consumer: Closed with explanation