milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On informaation and belief, Experian is fraudulently charging consumers at least {$3.00} ( Georgia ) to temporarily remove a Security Freeze placed on their account. 

Following previous difficulties with Experian in temporarily removing my security freeze, I went online ( X/XX/2017 ) and attempted one again to use the online process to remove the security freeze. 

When asked the 10-digit security pin, I accurately entered it into the online process. This was the same 10-digit pin that the Experian telephonic processed requested, received and validated. 

However, the online system alerted me that the pin was not accurate and prompted me to submit the request without the 10-pin and I would be asked a few questions in order to validate my identity. 

When I did so I was prompted to submit payment of {$3.00} by way of credit card because that is what the State of Georgia allowed. 

Given the millions who have been compromised by the negligence and/or malfeasance and/or misfeasance of all of the Credit Bureaus, millions must be flocking to freeze their account. 

An immediate audit should be conducted by and independent review organization in order to determine how many times ( millions I would wager ) Experian and the other two Credit Bureaus have inappropriate charged consumers to unfreeze their accounts. Each provide a pin to allow the consumer to unfreeze the account, however, on information and/or belief, Experian and the other two bureaus XXXX and XXXX XXXX, in my opinion, developed an elaborate ruse to notice consumers that their pin was inaccurate and then subsequently charged said consumer. Again, and instant and thorough audit would readily reveal the ruse and the magnitude of unauthorized fees each have taken under false pretenses. 

As of this writing, my Security Freeze still has not been lifted allwoing creditors access to my 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 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. 
Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security 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 12/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problems caused by my funds being low

Complaint: Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has also failed to provide a response to the QWR and NOE submitted in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX 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 01/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: our XXXX, XXXX, and XXXX XXXX and our XXXX XXXX payments to Ditech servicing have cleared our bank. Ditech claims to not have received them. The payments were made electronically through our bank 's bill pay. XXXX XXXX, i first notified Ditech of XXXX and XXXX missing payments. despite repeated communiques, I have received nothing from Ditech regarding missing payments. I charge them with theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Settlement process and costs

Complaint: We ( XXXX ) put in 3 offers to purchase XXXX XXXX XXXX in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. MLS listing # XXXX with XXXX XXXX. Owner -XXXX . Short Sale purchase. XXXX XXXX has the mortgage & Servicing agent is Ocwen Loan from Florida. We have submitted ( 4 ) proof of funds from XXXX in our names & our XXXX, XXXX XXXX. We have had XXXX purchase & sale agreements with XXXX having a closing date of XXXX XXXX, XXXX. The purchase price of the property was agreed to be {$180000.00}. Our Att. XXXX XXXX discovered a Mass. DOR Lien on the property of {$16000.00}. In addition to the two other liens totaling {$16000.00} We asked for an extension so that this would be cleared prior to our closing date. We were denied the extension so we had to start the entire process again. Our case manager with Ocwen is XXXX XXXX. Loan # XXXX. After filing the paperwork for the 3rd time they denied our offer of {$180000.00}. We had to re-submit a new offer of XXXX. They denied this offer as well. How can this company do this when the {$180000.00} was agreed on back in XXXX XXXX, XXXX? This does not seem like a ethical business practice. We have discovered that this property ( XXXX XXXX XXXX, XXXX XXXX, MA. XXXX ) is now going into foreclosure on XXXX XXXX, XXXX! We have been trying to secure this property for two & 1/2 years now. We want to buy this property for the agreed purchase price of {$180000.00} with a clear title. I can be reached at XXXXXXXXXXXX. or cell phone at ( XXXX XXXX )

Company response to consumer: Closed
Consumer complaint received 10-03-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: There 's a chicken-and-egg problem with setting up long-term fraud alerts on my accounts. It is impossible to put a long-term fraud alert on an account without also supplying a law enforcement evidence of a problem. 

The problem is that there is n't a problem *yet*. There 's a poster on the door of my post office that says mail was stolen from there. There 's a notification from XXXX and XXXX XXXX and others that say that my information has been stolen. Yet that 's still not enough to lock down my credit accounts? I have to wait until my life has been wrecked to put some security around my credit accounts? 

That does n't seem right. 

I have to pay {$30.00} to the credit monitoring companies to freeze my accounts ... but the companies get hacked are n't selling security freezes ... they 're selling worthless credit monitoring services, instead. In **ANY** case, the credit reporting agencies are benefiting. 

This does n't seem right. 

Especially when, in the latest hack, it was the credit agency themselves that lost my data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making payments on my mortgage and instead of applying them to my principal/interest/payment, they put it in " unapplied funds. '' Numbers ( amounts ) and payment dates are not matching up with actual amounts and actual dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: extremely high interest. they offered a very high interest loan and continue to e-mail me every other week with an " offer '' and it 's always much higher than before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a car through honda fiancial services and i was always good on my payments. Recently unfortunatly i was laid off my job, about 4months ago. I was able to keep up with the payments till about 2 months ago and about every week or so honda fin. Would call me and ask about what was going on which i had told them a bunch of times that i was laid off. Any ways most recently i call them back due to a voicemail they left me and i spoke to one of there representatives, which at first was very polite. I called them because of course im concern of my finacial situation. I was trying to look for a solution or help see what i could do so i mention a couple things i heard they could possibly do, and immediatly she turn to this unfiltered, unprofessional, and agressive person. Saying that what ever i heard was wrong that i should know its my responsiblity to pay the payment. I still kept my cool and explained how i didnt ask to get laid off. She still was very rude and said you have to figure it out, again i would tell her more of my situation and again " you have to figure it out '' thats all she had to say. Obiously it upset me with so much pressure put.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened a Bank of America XXXX XXXX Signature Visa card making my first charge on XXXX/XXXX/XXXX at which time I was awarded a credit line of {$17000.00} and immediately charged a {$75.00} annual fee. Very shortly after my first account statement dated XXXX/XXXX/XXXX and prior to my very first payment due date of XXXX/XXXX/XXXX the bank without any warning whatsoever and without me ever having a late payment and without me ever going over my stated credit limit at any point the bank suddenly closed my account without my permission on XXXX/XXXX/XXXX. This not only results in the bank pocketing " effectively stealing '' my {$75.00} annual fee it will show them as churning accounts and greatly scar my credit as it will show an account that was just recently opened by me as being closed against my will, which will also greatly impact my credit score going forward. This is inexcusable as this account is and always has been in good standing as I make all my payments on time and have never gone over the credit limits stated on this account. Not only that all information used to open this account was 100 % true and factual so Bank of America has no right whatsoever to have done this to me. I expected this card to be a long-term useful rewards card as it carries with significant advertised mileage benefits for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX my son informed me that something was going on with his account - monies taken out and monies coming in and he realized that he had lost his debit card. He was at work so I contacted Chase immediately. Explained that there were charges on XX/XX/XXXX that were not my son 's and reported card missing and asked to freeze account. Filed a complaint report with the bank based on the 3 transactions that occurred on XX/XX/XXXX. Told the bank that the {$200.00} charge was questionable as he did take out {$200.00} but not on the XXXX. As you can see from the attached printout it states the XXXX but it was actually on the XXXX, which my son said he did take out that amount on that date but not on the XXXX. Chase claims someone went thru their automatic system and provided them with enough info to believe it was my son claiming that the {$120.00} my son deposited in cash was {$2000.00}. Chase believed this person and deposited an additional {$1800.00} on the XXXX where someone went to the south side within the hour and withdrew {$1800.00}. My son was at work at this time. Chase refuses to work with the XXXX XXXX. XXXX XXXX XXXX that has contacted them. Also filed a police report. Now Chase went into my personal checking account with my husband and took out {$1900.00} that my son 's account was in arrears due to the fraud that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job in   XXXX  , I contacted the Home saver program here in  XXXX   XXXX   I  was granted 24 months of assistance the Home saver program paid over {$22000.00} on my mortgage  to Wells Fargo, My balance on my mortgage as increased instead of deceasing. I am still havi ng a hard time making my payment. I will sent a letter fr om Wells Fargo st ating I will need to pay my mortgage  XXXX   XXXX . I called them to see how much I would need to pay per I got another letter stating my escrow was short by a few dollars and they were offering me  2 chooses, I wanted to discuss this, when I called I was told I was two  months behind in my payments. I applied for a loan forbearence only to be turned down. I would like my mortgage case looked at. I think something is going on with my balance owed and too see why they will not help me till I get on my feet. could  some one  please help me. I dont know the right words say but I need help.

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 04/21/2017 about Debt collection (Medical) with Alpine Credit, Inc (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I payed the debt with the agreement it would be removed from my credit report in 2013, but to date have been unsuccessful in getting them to remove it. Each time I call, they just tell me they ca n't remove it and they never agreed to that. Creditor is Alpine Credit in XXXX, CO. Phone is XXXX and address is XXXX XXXX XXXX, XXXX, CO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had fraud items removed from equifax has put them back on with out any notice regarding that they were going to re insert the items. Each company that pulled my credit can show that they were not on my credit and you can see the date from when they were open from XX/XX/XXXX and XX/XX/XXXX these accounts are fraud i sent in my police report and FTC AFFDAVIT signed and notarized years ago regarding these accounts. They claim they ca n't find my documents but these accounts were removed from my credit a long time ago they are breaking the law and XXXX to me about these accounts. 

They have split my file and now i ca n't even get a score because of what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with Atlanticus Services Corporation (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Around XXXX XXXX,2016, I opened a new account at XXXX XXXX wishing to receive the opening account bonus of {$350.00}. The banker told me that the minimum requirement is {$10000.00} for 90 days. She also told me that the {$10000.00} can be in this account or other account like investment account of HSBC and advocated me to open an investment account. Half a year past, I still fail to receive this bonus. So I contacted an agent online a week ago and she said that I should receive this bonus this week. However, today when I contacted them again, another agent said I did n't meet the requirement since money in investment account are not included for receiving this bonus!! 

The banker is cheating and I also feel very frustrated. Could you help me dealing with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Debt collection (Mortgage debt) with Seterus, Inc. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: bank of america worked out a deal with me after i fell behind on payments. they sent it to XXXX XXXX XXXX in XXXX, nc. i worked out a {$100.00} a month repayment plan and have not missed a payment since i started paying in XX/XX/XXXX. i  can afford this seeing im on XXXX i have managed to put this in my budget. bank of america removed this negative item from my XXXX score and i was grateful. after 2 attempts to have it removed from XXXX they want budge. its not on XXXX at all but is still on XXXX and i want it off and re-instated as all payments are current. we made a re-payment plan and if they erased it from XXXX they can do the same for XXXX. i feel im in the 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 explanation