milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX Notice of Initial Servicer, 8.5x11 inches, which I had received via USPS First Class Mail XX/XX/XXXX, from XXXX XXXX IL XXXX. I need Bank of America to return that original Notice of Initial Servicer to me. 

Sincerely, XXXX, IL XXXX 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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made so many attempts to have the fraudulent XXXX XXXX XXXX hard inquiry on my Equifax removed. I became aware that I was a victim of identity theft after seeing a hard inquiry on my Equifax credit report on XXXX XXXX, XXXX. I immediately called Equifax to get more information on the inquiry on that day. I was told that I would need to contact XXXX XXXX XXXX to get more information. I called XXXX XXXX XXXX and was transferred to their Fraud Unit. I spoke with XXXX with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and he confirmed that indeed someone tried to not only call in but also use my information online over six times to get cell phone service with them. XXXX XXXX XXXX became suspicious and did not mail out the phones to the criminals trying to use my information. It was too late and an hard inquiry had already been placed on my report. XXXX XXXX XXXX worked with me and even sent out a letter to Equifax and the other bureaus to help combat this problem. After speaking with XXXX XXXX XXXX, I made several calls to Equifax from XXXX XXXX, XXXX to XXXX XXXX, XXXX asking for this information to be removed. I even sent in a letter and attached the letter that XXXX XXXX XXXX sent to Equifax asking that the fraudulent inquiry on my report be removed. I have attached the certified return postcard that proves that Equifax received my request for removal. This is the second time I sent a request to them by certified mail. The first being on XXXX XXXX, XXXX. 

It is my feeling that Equifax is the reason that my personal information was compromised in the first place as I letter received a letter from XXXX. XXXX became suspicious on XXXX XXXX, XXXX that cyber hackers were trying to use my personal information as they tried multiple times via the internet to use my information to get cell phone service. I called Equifax again after receiving the letter from XXXX in early XXXX about this incident. Still Equifax dragged their feet, I feel like a victim twice.I recently became aware by checking Equifax website about their security breach, that my personal information was indeed compromised. 

I feel robbed and I ca n't trust that this wo n't happen again

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PELICAN CREDIT CO (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.        XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX  and XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  -  XX/XX/XXXX   Pelican Auto Finance LLC-   XX/XX/XXXX   XXXX   XXXX  - XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX   Finance  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Bank  XXXX    XX/XX/XXXX  XX/XX/XXXX   Credit Union   XXXX    XX/XX/XXXX   XX/XX/XXXX   Credit Union

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Alorica Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: received a bill from West Asset Management pertaining to a medical bill that was proven to not have been filed with the insurance company. I requested an audit of the information provided to the insurance company and the hospital. It was verified the insurance company was not billed accurately and the data furnished to the creditor was not complete. They were not able to verify all information as requested by law or for auditing purposes. I was informed the item would be removed from my credit report and have requested on a number of occasions to remove the item to which it remains.

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 02-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This morning, XXXX XXXX, 2016 I received consistently annoying calls from Ocwen Loan Servicing company on my landline used primarily for my home security system beginning at XXXX from one of their call centers out of XXXX . When I picked up the phone and said hello there was silence then a click as though my voice was being recorded then they hung up. The phone calls continued back to back consistently till I left the house at XXXX. Someone was purposely dialing, and/or pushing an automatic call button to annoy me early in the morning. They were harassing me and causing a lot of mental stress for me and my household.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for an auto loan with XXXX XXXX which was denied. The stated reason was that they were unable to resolve the fraud alert on my Transunion credit report. My denial letter indicated I could get a free copy of my credit report from Transunion. However, I was unable to do so via either phone or online. When I contacted Transunion 's XXXX-based customer support center, I was told that there were inaccuracies in my credit report. In order to resolve these inaccuracies, I was asked to mail in a copy of my SSN card to a PO Box number. This seems highly suspect to me. 

I asked the call center support rep to send me a letter stating why Transunion could not send me a copy of my credit report ( inaccurate or otherwise ) but she said that she could not do so. 

It seems to me that if Transunion is able to detect a problem at its end, they should be able to fix it automatically without the intervention of the affected consumer. I am still unable to get a copy of my credit report.

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 09-01-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: U.S. BANKCORP. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit report was one of the millions that Equifax let leak out to hackers online. They setup a site to identify people. I was identified by them as having my info stolen. In order to help me they want me to consent to never sue them and give up my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went to the PNC Branch XXXX at XXXX XXXX XXXX in XXXX, AL, at XXXX on XXXX XXXX, 2017. I  intended to deposit to my account a baby shower gift in the form of a personal check for XXXX XXXX dollars, issued by the XXXX XXXX XXXX. The Branch Sales and Service Representative ( name withheld ) was unwilling or unable to provide me with any of the following information : 1. the rate of exchange, 2. the expected date of debit from the creditor 's account, 3. the expected date of credit to my account, 4. the sum total of all applicable fees, 5. an explanation of the purpose of the applicable fees. <P/>I was told nobody at the location could provide me with any of this information, nor was there an off-site representative who I could telephone to obtain this information. I was told this information could be obtained only after surrendering the check for deposit. I have a checking account in good standing with PNC. <P/>Upon returning home I attempted to obtain a valid email address for PNC customer service in order to obtain this information. I was informed by a customer service representative ( @ PNCBank_Help on XXXX at XXXX XXXX - XXXX XXXX 2017 ) that " For security, we are unable to allow emails from 3rd parties. '' After explaining that I was not a third party, but rather a PNC account holder, I still received no valid email address, and was directed to use the " message center online ''. PNC provides a limited messaging service through their online banking portal ; however, it does not allow me to maintain an independent record of communication, requires log-in credentials, and restricts message format. I only wish to send a plain-text email. <P/>I have been unable to find out whether providing any of the above information ( exchange rate, credit/debit dates, fee totals, fee purpose ) is an obligation of the bank. I find it hard to believe that I have no recourse but to hope for the best, instead of making an informed decision whether to offer a check for deposit, or to take it to another financial institution that may offer a better rate. Furthermore, I am surprised that providing a valid email address for correspondence is not an obligation of a financial institution. <P/>Thank you for your time and attention, ( name withheld )

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've applied to the Department of Education for a Student Loan Discharge based on False Certification - Disqualifying Status, as outlined in 34 CFR 685.215. They have denied me four times, citing a reason that is not supported in law. I have met the eligibility requirements to have my student loan discharged, but they are unwilling to do so since they are the holders of the debt. I am attempting to seek relief. Keep in mind, that the only reason they can come up with to deny my application is one that is specifically not included in the law. This is testament to how strong my application is.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to dispute 5 late payments from XXXX/ which are located on my credit report. The account was opened on XXXX XXXX 2013. The late payments are 30-day lateness listed in the months of XXXX, XXXX, XXXX, XXXX. I did not make any late payments and I request that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Other

Complaint: I have previously requested that synchrony bank only contact me vial mail and or email. I requested that they make no phone calls to my cell phone number under no circumstance. I contact synchrony bank regard our credit card balance that is one payment past due and advised them we are gathering all information and will be receiving a consolidation loan. 3-5 days later I then received a phone call to my cell phone twice in one day ( after I previously requested no calls to my cell phone at all ) which I believe falls in a UDAP/FDCPA violation.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with fraud alerts or security freezes

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am replying to the request for Santander Consumer USA to remove credit inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Santander Bank charged me {$3.00} paper statement fee even though I chose paperless statement during account opening. Apparently they removed my email address on file and since they do n't have XXXX they opted for paper statement without telling me.

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 03-01-2017 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Credit decision / Underwriting

Complaint: We are negotiating to purchase a property in XXXX New Hampshire, USA. We live in XXXX, XXXX XXXX. Lender is HSBC International. With two weeks to go before closing, HSBC says the underwriter needs repairs performed on the home before they will close and transfer title. The seller, XXXX/XXXX says the house is being sold " as is '' ( Bank Owned, Foreclosure ) and will not allow repairs to take place prior to closing. Neither side will budge. HSBC gives us no time to secure alternative financing and we risk loosing this home and our deposit of {$5000.00}. We provided everything they asked for in a timely manner but HSBC has dragged their feet, not answering or returning phone calls or emails in a timely manner. We offered to HSBC for us to put funds for said repairs into escrow allowing them to be confident that said repairs would take place after closing but they refused this offer. We feel we have been deceived as we have been pre approved for the mortgage, are putting 30 % down and putting {$10000.00} into a HSBC bank account for the life of the loan. The value of the home as it sits is far greater than the amount we are borrowing. XXXX pre approved for {$70000.00}, financing circa {$55000.00} ) We are devastated that we and everyone involved have put so much time and effort into this transaction only for it to fall apart at the eleventh hour. We have escalated this with HSBC asking a manager to take our case back to the underwriters but feel that HSBC does not have a sense of urgency and are giving us the brush off. This is not the " World Class Service '' that HSBC advertises. This is an XXXX, we have fell in love with, and do n't want to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC Mortgage Service Center is my current lender. I filed Bankruptcy in XX/XX/XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with HSBC as well as XXXX, XXXX and XXXX to no avail. I have attempted XXXX times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither HSBC nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having HSBC Mortgage Service Center be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ABC Financial has been contacting me concerning a past due amount owed for a health club membership that to my understanding was cancelled. I informed ABC financial that I had went into the gym location and informed them that I wanted to cancel months ago. ABC Financial informed me that they will continue to bill me unless I write a letter and send it to the location asking to cancel. This could not be ethical, I did n't write a letter to sign up for the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio recovery are trying to collect a debt from 2012 allegedly owed by me. The failed to provide any information of me or the original account other than some payment were made with a credit card. I never had an account by XXXX XXXX. 
They are preventing me from getting mortgage and they report false information and I need them to stop call and ask for me.

Company response to consumer: Closed with explanation