milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a secured credit card with XXXX XXXX with a credit line of {$200.00}, that was secured by a savings account. After a few years, I was issued an unsecured XXXX XXXX XXXX credit card with a {$500.00} credit line. Since I received the unsecured card, I did n't think it was necessary to still have the secured account, so I requested that the account be closed by XXXX XXXX. Soon after I requested the account to be closed, my credit score dropped dramatically, which is negatively impacting me with trying to obtain a mortgage loan. Why would a consumer who is wanting to eliminate unnecessary debt be penalized. The account was always paid on time, the account was paid off in full and yet the credit bureaus pinged my credit. Does n't seem fair at all. Any assistance you can provide will be greatly appreciated.

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 08-11-2015 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact XXXX to get it removed. XXXX informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I have my home loan through the Bank of America. The bank had been reviewing my account for several months for a workout plan. During this time, Bank of America continued to give me the run around and made negative reports on my credit report while they had my loan under mortgage assistance review. I have obtained mortgage assistance, but my credit is severely damaged because of the negative reporting. I would like for the bank to at least show no report or remove the negative marks during their time of review. They would not accept partial payments so therefore I could not make any payments when my account fell behind. I still have my home and am making payments on time. This can be viewed on 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 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (NM).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Calls are being made to an public office phone, frequently and repeatedly after being told it was a business phone, requested calls only be placed to home/cell. Sent cease of communications, The company is based in XXXX TX. it 's Hillcrest/Davidson and Associates XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX the account in dispute is going to legal action as the contractual period for the alarm company had expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today X/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under XXXX and then they need to report to the 3 bureaus. XXXX, XXXX, Equifax. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2015 about Debt collection (Credit card) with Rubin & Debski, P.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a " Continuing Writ of Garnishment Against Salary or Wages after Judgment '' on XXXX/XXXX/15 from XXXX XXXX XXXX, XXXX. On XXXX/XXXX/15 I received notice from my employer that my wages would be garnished starting XXXX/XXXX/15!!!!!!!!!!!!!!!!!!!!!!!! Per the notice, I had 20 days to dispute this action ; it was 3 days!!!!!. I had no chance to dispute this before my money is being take from my paycheck. This attorney 's office has NOT provided any documentation proving that I owe XXXX XXXX or that I owe the amount mentioned. This garnishment is causing further financial hardship because I am now unable to pay my rent, electric, water or put gas in my car!!!! I can not afford to hire an attorney to file bankruptcy or fight this harassment. Do I need to quit my job to stop them from stealing my hard earned money. How is this legal or fair?

Company response to consumer: Untimely response
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with Augusta Collection Agency, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt Collection Company Augusta Collection, XXXX XXXX ( SP? ) Owner. XXXX For several months we have been receiving automated calls to our home phone. Attempts to press 9 to talk to an agent have resulted in being disconnected or being sent to voicemail. Any response to the automated calls result in immediate call backs from the automated system that disconnect when answered. I have blocked several phone numbers from this company but they seem to be able to circumvent this and manage to get through, I assume they have multiple numbers. All this calls have been for my Mother-in-Law who has never lived here and has been in a XXXX XXXX for several years due to XXXX XXXX XXXX XXXX XXXX. My wife has a POA for her which I assume is how they got our number. We are on the do not call list. Today after receiving another automated call with no response I redialed the number and for the first time a person answered the phone. She immediately started demanding information and I told her until she identified the company and herself I was not going to give her any information. She said she was the owner of the company and asked if XXXX lived here and I said no but she was my mother-in-law and what debt did this concern. Again she started demanding the address and phone number wheremy mother-in-law lived and when I told her until she explained what this was about I was not giving any more information. When I started to tell her I did not appreciate the harassment she hung-up without saying anything. In my assessment Augusta Collections is a third party debt collector using technology and intimidation to get money from frightened or confused individuals. Harassment is their business model with the hope of recouping a marginal percentage of purchased debts. They have no concern or interest in the individual or situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of th eir INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho  ugh TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docu  ments. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wakefield is attempting to collect a debt I never established a contract with them, furthermore they are violation of the FCRA LAW by reporting a negative item on my credit report and I do n't owe them,

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 12-07-2016 about Payday loan () with Pacific Rim Alliance Corporation (WA).
Issue: Can't stop charges to bank account

Complaint: XXXX on XXXX, WA XXXX. I took out a payday loan and ran into financial trouble with unexpected medical bills, on top of rent and my car needing new parts. I tried to set up a payment plan with the company. Anything really instead of paying the {$570.00} all at once which would overdraft me and cause me to be unable to eat XXXX drive, or pay for rent. I told them not to charge my bank account because there was no money in there but they have n't seem to have got the message in the past month. I gave my bank a stop payment order but each time the company Checkmate tries to take out the {$570.00} it costs me {$35.00}. I just need them to stop trying to charge my bank until I can get back on my feet again, or until they can work with me in order to come up with a payment plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They have listed on my Credit Report that the debt was incurred in XX/XX/XXXX. 

This is impossible since I have not been a member of XXXX XXXX XXXX California since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-06-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Application, originator, mortgage broker

Complaint: My Wife & I purchased our house XX/XX/XXXX. My wife is a XXXX Employee. We have take out equity loan out on our property & put the money back into our home. XXXX our Mortgage was sold to Penny Mac by XXXX XXXX Bank. XXXX the home value dropped from {$470000.00} to {$280000.00} and Penny Mac was going to forgive {$180000.00} of our Mortgage. We started the paper work with Penny Mac and they claimed that we were not qualified for and loan modification. We had to hire an Attorney in order to force Penny Mac to modify our mortgage. 
We were mislead by Penny Mac employees, lied to by Penny Mac employees and disrespected and bullied by Penny Mac employees.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with MORTGAGE LENDERS OF AMERICA (NC).
Issue: Closing on a mortgage

Complaint: I was to close on my home on XXXX XXXX, XXXX. This did not happen because of my lender ( Mortgage Lenders of America ) lied about getting an appraisal done in which is paid {$480.00} on XXXX for this to be completed. Then When it was done, the closing was change to today XXXX XXXX. I received a call that friday ( XXXX XXXX ) stating that they needed the 2 page to my bank statement, which was a blank page. I sent the info to them that very day. They put me back in underwriting. My mortgage lender/broker, stated that the underwriter has no rush file because they only do 1 file per day. I have been without a home and they said i could close on XXXX XXXX. I just got a call today and stated that we are unable to close because i am 5th in queue. They are not sure I will even close on Wednesday. I have XXXX children. Mind you I paid my closing cost already {$10000.00}. I still have n't received anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I contacted Navient ( my servicer ) and requested to consolidate my student loans so that I could request Income Driven Repayment, in light of significant financial struggles ( reduced employment, and income ). The Navient representative indicated that I could not consolidate my loans XXXX, XXXX, and XXXX because they were returned to the guarantor ( The Federal Government ) and that I should contact them. The call was disconnected ( I 'm is not sure if the representative disconnected or not ). I called back and spoke with another representative, who told me that the loans XXXX, XXXX, and XXXX could not be consolidated because Navient had submitted them to The Federal Government, and the Federal Government had " rejected '' them and returned them to Navient, therefore, Navient " owned them '' and that I would have to pay them in full to Navient. I asked why the Federal Government had rejected them and when did this happen. The Navient representative said he did not have that information. I then contacted the Federal Government student loans office, and I spoke with the National Student Loans Systems representative. She checked their database and told me that Navient had NOT submitted the loans to them, and the Federal Government had not rejected any request from Navient. She indicated that she could see and could determine from the database ( Federal Government ) any transactions that would have affected my loans. She transferred me to a representative who helped me complete the online loan consolidation request ( at the Federal Student Loan website ). My loans XXXX through XXXX were included in the consolidation request. PLEASE help, I hope to consolidate my loans and request an Income Driven Repayment plan. Thank you for any and all assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Citizens Bank : I opted in to recieve overdraft protection from the bank and within a week I called in and opted out of the protection. After opting out They allowed a preauthorized purchase that i did not have enough funds to cover in my checking and took the funds from my savings account to cover it. This wiped out my checking account and XXXX more purchases were allowed also being taken from savings account. i was charged the overdraft protection fee {$6.00}. on the first XXXX, on the last charge they allowed, i was charged an unprotected {$35.00} charge. Though I opted out they allowed the preauthorized charge even though there were insufficient funds. This all takes place in less than a months time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: CITI Diamond Preferred Card ( Citibank , N.A . ) emailed me a statement showing due the amount of {$250.00}. They announced that the amount was overdue, and reported to XXXX that {$250.00} was written off, and {$240.00} was past due as of XX/XX/2016. 
FACTS : I have not used that card in over a year. I have never previously received any communication from CITI concerning this balance remaining. I assert that I did not incur that charge. 
Further, when I telephoned them to discuss the matter, the person refused to talk with me about it, claiming that " the account is in transition. '' I then asked to be connected with their security department. She replied " There is no security department. '' CITI should not have reported this account as a write-off without having communicated with me first. The CITI representative should have been supportive of my attempt to communicate with them. CITI is in error. I expect them to correct their errors by clarifying this matter immediately, and by removing the adverse information from the credit report ( s ). 
Citibank ( South Dakota ), N.A. 
Customer Service Center XXXX. XXXX XXXX XXXX XXXX, SD 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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company is reporting inaccuarate and unverified information about 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 explanation