milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account XXXX Account # XXXX. Is reporting inaccurate information to Equifax. Its deleted with XXXX.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with fraud alerts or security freezes

Complaint: On Sunday, XXXX XXXX, XXXX, I tried to electronically freeze my credit file with Transunion. At the end of the process, I received an error message with a number to call to freeze it over the phone. Today, XXXX XXXX, I called and after 30 minutes of questions, I was told that the if I froze my credit account that I would have to send them social security verification in order to lift it. They told me someone had filed credit information showing " XXXX '' as a suffix and that was causing them a problem. I 've been living at the same address since XXXX and have always used " XXXX '' as a suffix although on some credit cards do not use the suffix. 
Surprising, I had no problem implementing a credit freeze with XXXX, XXXX and XXXX. The persons I spoke with then gave me a telephone number to answer questions about a security freeze. I dialed it and viola, it is their number to call in order to sign up for their identity monitoring programs. I 'm totally sick of companies like Transunion trying to make a buck on the misfortunes of XXXX XXXX XXXX citizens and, as much as I hate to advocate it, it is time for the US Government to get involved.

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 10/24/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NY).
Issue: Trouble during payment process

Complaint: I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment. 
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX  mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected. 

my account is now current

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 06/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Delinquent account

Complaint: I am writing you as a last resort to attempt to settle a debt with your company.  Over fifteen years ago I received XXXX preapproved business credit cards XXXX  I was under the impression at the time that these cards were business cards and that the business was responsible for paying the accounts.  We maintained the accounts for 15 years, even during the lean recession years when our operating credit line was yanked out from under us from BBVACompass.  The business was forced to liquidate, but we continued to pay our accounts.  

In XX/XX/2013, my mother was XXXX and I immediately began to care for my mother XXXX  At the same time I was attempting to XXXX prepare XXXX tax returns, manage my home finances and my mother's finances.  It was also during this vulnerable time that XXXX employees took advantage of the fact I was frequently out of the office and embezzled XXXX from the company.  They were subsequently charged and we are still awaiting trial two years later.  

I left XXXX the company XXXX when the cards were issued, in XX/XX/2013.  Due to the theft, the business was forced to contract and could no longer afford my salary.  I have since learned that XXXX did not take care of the debt and I have been sued by an attorney in XXXX Alabama.  While I am currently employed XXXX, my salary has been cut severely and my savings depleted as I had to care for my mother until she died in XX/XX/2013  

The attorney that Capital One assignment the business account to has sued me personally for the debt of XXXX plus and indicates that it is a means to put pressure on me to pay the debt since the company is no insolvent.  Their exact words "if you don't lose your job, pay the bill and avoid the garnishment."

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (OH).
Issue: Taking out the loan or lease

Complaint: My wife & I jointly purchased a new, XX/XX/2015 XXXX, using cash, our trade-in, and a loan of {$5000.00} from XXXX Finance -- the loan being required by XXXX in order to receive a {$1000.00} rebate. We asked that title be issued jointly, with right of survivorship, i.e., 'WROS ' appearing after each of our names on the title. Such titling is an estate-planning tool prescribed in the Ohio XXXX XXXX XXXX XXXX website regarding vehicle titling. The XXXX dealer 's Finance Manager refused, saying that XXXX Motors Finance did not allow such modifications to the buyers ' names. We replied that XXXX statutory law gave us that entitlement, and gave him a copy of XXXX Revised Code 2131.12, the applicable statute. After checking with his counterparts and confirming his position, the Finance Manager promised to check with supervisors at XXXX Motors Finance the next day. When we followed-up, the Finance Manager said he had checked as promised, and reiterated the refusal. 
Upon contacting the XXXX Attorney General 's Complaint Department, we were told they had no jurisdiction, and referred us to the Comptroller of the Currency @ XXXX. That Office, in turn, said they had no jurisdiction, since XXXX Motors Finance was neither a bank nor a credit union, and referred us to the Federal Trade Commission, which referred us to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Fraud or scam

Complaint: From XX/XX/XXXX - XX/XX/XXXX, Bank of America Merchant Services allow perpetrators to use the theft of my personal identity and credit and the EIN of my entity in a money laundering scheme through merchant services. On XX/XX/XXXX, Bank of America emailed me a copy of a digital signed document, bearing my name and purported digital signature on a merchant services agreement. This is not the agreement I signed. The true and accurate contract is evidenced in emails to/from me and bank of America bearing an original ( non digital signature ) of the true and accurate signed agreement. I did not authorize B of A to use my name, identity and credit for merchant services. 

Over XXXX was stolen from by business that remains unremedied today. My credit score has plummeted over 300 points from collection accounts on my credit, placed in my credit by B of A. I am being harassed by creditors. It is known at this time if the crimes are continuing or exactly how many more fraudulent accounts are in the name of me or my business. Bank of America failed to follow rules, regulations and policies enacted to prevent or report these crimes and once know, allowed the crimes to continue, for over a year Bank of America became aware these crimes were occurring. Bank of America worked with the perpetrators of these crimes to try and cover up their collective crimes. Me and my business, remain liable to the IRS for the stolen money as evidenced in the XXXX 's I received from Bank of America. Bank of America and the criminals remain the only beneficiaries of their heist.

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 02/16/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: I applied ( in-store ) for a Macy's-American Express card back in XX/XX/2016. I have perfect credit, no history of any late payments and what is considered " excellent '' credit. Two I received a general decline letter from Macy's-American Express stating my application was declined for " Insufficient Credit Experience. '' My credit experience is OVER 24 years and I have current, open and active loans and other credit cards. I called the number on the letter, I was referred to another number. Then the representative " XXXX '' could not answer my question on how to address having perfect credit and getting declined. She said my credit report came back blank and could only refer me to XXXX, to obtain a copy of my credit report. I then called Macy 's Corporate/Executive office phone number. I was placed in contact with " XXXX '' at extension XXXX. She called when I did not have a copy of the letter sent to me in hand. She provided her name, callback phone number and extension. She asked me to call her back when I get a copy of the letter. When she called, ( XX/XX/XXXX or XX/XX/XXXX ), I was out of town. I returned home after XX/XX/XXXX, called her back and left her a callback voicemail. On the prior call, she stated there was a " code '' on the back of the letter and she needed that to explain the correct reason for the declined application. I have called " XXXX '' back twice and have not received ANY phone or written communication in response. My issue is that I have active and current credit. I was declined for an incorrect reason and I want the application corrected and a full explanation of what happened.

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 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I became aware of fraud on my Chase Bank checking account in XXXX of 2017. I went to them, filed and complaint, closed the affected account, and moved on. The banker misfiled the charges, and I returned in XXXX to rectify the situation. My second banker, XXXX, and I, were lied to almost constantly by everyone we contacted. I had to switch accounts yet again, and and Chase Bank stole {$400.00} additional dollars from my paychecks due to " debits due to dispute '' that did not exist, as they never issued me a check to credit the fraudulent amounts. When we contacted them in regards to this, they would promise to overnight the check, but the check never arrived, and we were eventually told, never even issued. They then closed my account due to " suspicion of fraud '' after I had FILED THE FRAUD CLAIM WITH THEM TWICE, AFTER WHICH THEY IGNORED ME. 
Because of the {$2000.00} I lost to fraud I nearly lost my apartment due to the inability to pay rent, and to make matters worse, Chase took an additional {$400.00}, after doing absolutely nothing to alleviate or address the situation. Horrible and horrific banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing added an escrow account right after they bought the mortgage from XXXX in XXXX XXXX without any right or notice. Mortgage was originated in XXXX XXXX by XXXX with P+I only. Taxes and Insurance were always paid on time by borrowers. The amount was almost XXXX that we always paid. We called several times through out XXXX months periods and sent certified letters. We never received a response. We sent more than XXXX thousand ( {$5000.00} ) extra, but the statements never reflected it. As of today there still misapply funds to our account. At one point we decided stop sending payments due to the mismanagenmet, misrepresentation, contract violation, etc. Green Tree started making nasty calls including at place of work several times. They promised a loan modification that never happened after we paid XXXX months trial by XX/XX/XXXX. Right after they filed for foreclosure. We responded to XXXX XXXX County, Florida court house in time every time. We showed up at the hearing XX/XX/XXXX when the judge ordered having a Conciliation conference call which we had and Green Tree and his lawyer confirmed having all paper work and promised to send a modification which never happened. We provided enough proof to the court house and Green Tree of the mess had created. I hope this will help in the process of so many victims of Green Tree and CFPB along with other government entities to settle a case against Green Tree. Green Tree should NOT have a license to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX bank to DITECH. I received absolutely no written or electronic notice. My monthly payment auto deduction was cancelled without me knowing. When I called to inquire with XXXX of why my monthly mortgage payment had not been taken out is when I found out about the transfer to Ditech. I called Ditech and they told me to do nothing-my auto deductions would resume in time. I then recieved notices that my payment was overdue. I called immediately to pay over the phone and was informed of a {$12.00} online/phone payment fee. This is total bull. My auto deduct will not be set up in time for next month 's payment either so I will have to pay another online/phone payment fee. This has caused undue stress, money and time. This is WRONG

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax has denied minorities the right to a fair credit report. Equifax has denied me the right to a fair credit report. I have submitted a copy of a police report to Equifax. Equifax has been aware of the security breach allowing our personal information to be stolen. Now even with knowledge of the security breach allowing and my police report proving that my Identity has been stolen and someone was arrested for stealing my Identity from Nd and in the state of SC. Equifax has treated me unfairly. I have decided to file a discrimination lawsuit against Equifax if they do n't allow me a fair credit report. I have no outstanding hospital bills. I am on XXXX It is against the law to bill someone who has XXXX out of pocket expenses unless it 's a co pay. Equifax does n't care about the consumers! They 're not a fair reporting bureau. Equifax needs to immediately remove these FRAUDULENT UNAUTHORIZED ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS THAT I HAVE ADVISED THEM THAT ARE FRAUDULENT. I HAVE ALSO SENT IN A STATEMENT FROM THE SLED ENFORCEMENT AGENCY THAT THEY 'VE DISREGARDED! I DO N'T KNOW WHO SIDE EQUIFAX IS ON. IT SEEMS AS IF EQUIFAX WANTS CERTAIN PEOPLE TO BE DOWN. FRAUD IS FRAUD! YOU CA N'T PICK AND CHOOSE WHO TO HELP AND NOT TO! A POLICE REPORT AND SLED STATEMENT CA N'T LIE! I AM A HOMELESS MOTHER OF XXXX. THIS YOUNG LADY HAS TOOKEN MY LIFE AWAY FROM MY SELF AND MY KIDS. I AM FROM HOUSE TO HOUSE TO SHELTER. ALL BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS BEING REPORTED THAT EQUIFAX REFUSES TO REMOVE. THIS IS MY SECOND TO LAST RESORT. THE POLICE DEPARTMENT WHO IS HELPING ME AND MY XXXX KIDS TOLD ME TO FILE A LAWSUIT AGAINST EQUIFAX FOR NOT ALLOWING ME TO HAVE A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! I 'VE ALWAYS PAID ANYTHING THAT I HAVE ON TIME. IT 'S HARD BEING A MOTHER OF XXXX TELLING THEM THAT WE 'D BE OKAY WHEN I 'M BEING DENIED A RIGHT TO A FAIR CREDIT REPORT WITH ONLY MY ACCOUNTS! EQUIFAX HAS HUNG UP ON ME NUMEROUS TIMES AND LIED SAYING THEY WOULD REMOVE THE FRAUDULENT WITHIN 24 TO 48 HOURS. DAYS LATER THEY 'D STILL BE ON MY CREDIT REPORT. EQUIFAX TELLS ME ANYTHING TO GET ME OFF THE PHONE! WHEN I ASKED FOR A SUPERVISOR THEY 'D REFUSE SOMETIMES EVEN HANG UP. THEY 'VE BEEN VERY UNPROFESSIONAL. I 'M SURE NOT EVERYONE GETS THE TREATMENT THAT A YOUNG XXXX XXXX HOMELESS MOTHER DOES! MY FATHER XXXX AND I LOST HIS HOUSE BECAUSE OF INACCURATE FRAUDULENT ACCOUNTS AND INFORMATION BEING REPORTED ON MY CREDIT REPORT. EQUIFAX IS THE REASON THAT MY KIDS AND I ARE HOMELESS! PLEASE HELP ME STOP EQUIFAX FROM DEFRAUDING THE PEOPLE AND LET EVERYONE HAVE A FAIR CREDIT REPORT WITH ONLY THEIR INFORMATION BEING REPORTED ON THEIR CREDIT REPORT! MY KIDS AND I DESERVE BETTER! EQUIFAX HAS FAILED US!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was notified by TransUnion that a New Mexico State tax lien filed against me ( I am a Texas resident ) and it was included in my credit report. I sent TransUnion documentation about the new federal law which prevents tax liens and civil judgements from being used on credit reports. I obtained a copy of the tax lien and it did not contain my full name, SSN, DOB, or correct address. I attempted to obtain my report fromTransUnion to see if the lien appeared, and was told that since I had an open dispute I could not get the report. This was after I received a letter from TransUnion stating the issue had been resolved. Now I have a letter from TransUnion stating that I can purchase a copy of my report for {$9.00}. Something is not right here.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXXXXXX XXXX XXXX  is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXXXXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXXXXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Have had non stop issues since opening " opportunity checking account '' with webster bank. 


1. ) online banking is extremely unreliable. transactions, regardless if theyre debit, credit, ach, or even transfers between accounts, post and unpost randomly with no rhyme or reason. in the words of the branch manager herself " you never know when something will post " making it extremely difficult to accurately manage your account. to make the problem even worse, even though webster is aware of this issue, they dont make you aware of it until after you realize it and have problems, often resulting in fees. 

2. ) was told by the person who helped me open the account that it is " basically impossible to overdraw ", this is just a flat out lie. 

3. ) the bank often tries to blame delayed charges on the " merchant '' and their processing, however, this holds no water. I have used numerous debit cards and credit cards at the same merchant, and only webster will delay the charge for what seems like a totally random and unpredictable amount of time. different cards used at the same merchant have no issue processing at the time of sale. 

4. ) all problems with the account could have been avoided from the very beginning had the overdraft protection service been offered. this is something i realized was available months after opening the account, and i made this realization myself. this service has still not been offered or suggested by any webster employee, even after numerous overdrafts. 

all these things considered. i have to say that webster bank is either negligently run, or is running a scam. the delays in items posting, bad information given, lack of protection offered, etc, all leads me to believe they are intentionally creating overdrafts to collect fees. this is also reinforced by the fact that the type of account i have as seen as " high risk '', or more likely to over draft, so perhaps an easy target for this type of scam. webster all has a history of law suits they have settled for millions of dollars alleging the same exact thing. 

most recently, just this morning, i noticed a very alarming " mistake '' on my account. I had transferred on XXXX/XXXX/XXXX the amount of {$1100.00} into another webster account. the XXXX accounts share an account holder and the transfer was immediate. the funds were properly distributed at that time. the following day, XXXX/XXXX/XXXX, the {$1100.00} was in BOTH accounts. i believe this was a blatant attempt to get to me spend some of it, and then charge me with over draft fees when the " error '' was corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today is XXXX2017 Based on Equifax 's online tool, they believe my information was compromised in the recent hack. I believe my personal information is now insecure and I am susceptible to personality theft.

Company response to consumer: Closed with explanation