milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquiries on my credit report that I did not authorize. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and it violates my rights as a consumer. These unauthorized inquiries are a hindering my ability to obtain any credit. There are even inquiries listed from a dealership in another state that I have n't lived in 4years. I only have a car loan with XXXX XXXX XXXX XXXX XXXX. I has a preapproval before I got my car and I did n't need to be qualified through any other lender. I also did not give my permission to run my credit through any other lenders. I have tried to contact the companies in writing and by calling but to no avail I have n't gotten a response. I have contacted the credit bureau only for them to tell me I have to contact the creditors. I need a resolution to this problem because I did not authorize any of these inquiries listed below. 1XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 3XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 4XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX 5.XXXX XXXXXXXX Reported XXXX XXXX XXXX { Finance } 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 .XXXX XXXX { XXXX XXXX XXXX } These are all unauthorized some are duplicates from different occasions I did not apply for credit with these companies.

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 10-10-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The response from Citi Cards has cleared up a lot confusion, however, I was never notified by Citi Cards that my XXXX payment was behind. My XXXX payment was around the same time that I entered the payment program and my payment slipped through the cracks, which was my responsibility. I was going through a separation at the time and my mind was in other places. Furthermore, if Citi Cards would have alerted me to my missed payment then I would have rectified the matter immediately. Instead, Citi Cards made it appear that I was making my payments and did not make any reasonable efforts to notify me that I was behind. Citi Cards could have communicated a lot better and shown better business practices. I made a human error and fell behind, but with a little help from Citi Cards, I could have made things right. I still do not feel my situation was treated fairly and will be contacted my Attorney Generals office, to look into any ethical violations on behalf of Citi Cards.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.

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 01/16/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I opened an account in XXXX 2015 with Citizens Bank, in XXXX, PA, with XXXX XXXX NMLS # XXXX. Iam XXXX so I receive a check once a month on the XXXX.At the time, I gathered {$20.00} to open this account.I was so excited cause everything went well.At th time of this new account Citizens was running a promotion.The promotion promised a deposit of {$200.00} to my checking account after three consecutive months of my XXXX deposits. XX/XX/XXXX I stopped at another Citizens off of XXXX XXXX in XXXX, PA..It was only $ XXXX- {$30.00}. This guy informs me that the account was set up wrong and said do not worry he would fix it.I thought nothing of it. 
When I did not receive the {$200.00} after the 90 days, I called and was told 120 days.After 120 days, I called again and was told I was miss informed and it was 190 days. Now, please keep in mind I just lost my home, my daughter was XXXX my family member and was really counting on these funds for the holidays. Then, comes the letter from some big wig, XXXX XXXX at XXXX Eastern Time, that states I am not eligible to receive the funds because their records state I opened to accounts in under six months so I wont be receiving the promised {$200.00}. How much sense does it make that a poor person, who just came from being homeless from losing 25 years of house payments and belongings and living on streets until I could get a slum roof over our heads before winter set in.I NEVER OPENED XXXX ACCOUNTS THEIR EMPLOYEES XXXX THIS UP AND THEY WILL NOT ADMIT IT.I requested proof of my signature for XXXX accounts XX/XX/XXXX..I heard nothing since. Now, they took a {$35.00} overdraft fee and will not return it when they know it is their error.The bank manager in XXXX, PA AGREED AND COMPLETED paperwork to get it back and now they are saing I had a {$5.00} overdraft the day before my XXXX deposit came in on XX/XX/XXXX. I took my rent on XX/XX/XXXX which left me {$.00} in my account. The next Monday ( 2days after ) went in to deposit {$5.00} from money order so I could use the {$15.00} for train to get to doctors office and that 's when they hit me with {$35.00} fee.I went directly to manager, ( 3rd time they assigned {$35.00} fees that should not have existed ). Look I HAVE had a few times that I did use the overdraft option and had no problem paying their initial {$35.00} fee and then their {$6.00} daily fee until you replace the funds borrowed and {$35.00} fee. I want my {$200.00} and my {$35.00} fee from XXXX/XXXX/15 before I find another bank that do not steal from their customers.I am not the only one. Apparently, they do this often.I even witnessed XXXX people fighting for the same thing but they are accepting it cause they are given no other recoarse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Consumer Loan (Installment loan) with Risecredit, LLC (WI).
Issue: Taking out the loan or lease

Complaint: They were suppose to put {$190.00} in my account, instead they took XXXX out. Its been a week, the conferenced call my and it has been XXXX days and they ca n't tell me when they will put the money back in. When I told them I was going to report them they said that they will note it. Now they are going to charge me interest on something I do n't have. They say they will cover my nsf fees, but that does n't help the stress of explaining to my creditors what happened. This has been a very XXXX situation and they do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Mortgage (Home equity loan or line of credit) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Rewards

Complaint: On XXXX XXXX, 2016, I used a Citibank Best Buy credit card. The Best Buy first purchase offer was 10 % in reward points for the purchase. I only received 5 % in rewards points. I was told that the item I tried to purchase was n't available for purchase in the store. It was only available online. However, when I tried to buy it online ( {$990.00} ) my {$1000.00} credit limit was insufficient due to sales tax. I was denied the {$49.00} credit limit increase. I was also not advised that I could simply apply {$49.00} in gift cards - then use the credit card. I was speaking with XXXX with Best Buy today and he referred me to a supervisor, XXXX who gave no date on resolution -Case ID # 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 05-09-2017 about Debt collection (Other debt) with Bowen & Associates Recovery, Inc (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I received a call on   XX/XX/XXXX  for th e first time from an "  XXXX   XXXX  '' who states he represent s Bowen and Associates  (  XXXX  ) stating my husbands company owes his client {$5300.00}, very antagonistic, making personal attacks, would not answer any of my questions explained to him I didnt have anything to do with the company and asked if he had called my husband. I thought it was a scam.Then he called my work number and did the same thing on my work number ( I work at an   XXXX   XXXX   ). Since my husband nor I knew anything about this debt ( it seems to be related to my deceased father in laws  XXXX  that my husband took over ), we started looking into it.  XXXX   XXXX  called my   XXXX   s  tating he was coming to serve me papers ( he is located in Tx and not Ga  ) and told her information about the debt. He also told me he would be coming to  my house to take pictures of it and to my work. He was instructed not to come to either location. He was also instructed not to call my work number.  Hes  continued to call and leave harassing messages on both my husbands and my cell numbers and my work number ( I have recordings of the antagonistic and degrading calls ) Last night he called the  XXXX  late in the evening and my   XXXX   answered and he represented himself saying that I had " hit his truck last week and owed him money '', my husband is looking into the debt with the actual company he states we owe it to and is working to make arrangements ( even though it was a debt related to his dads estate and when he was running the company ) and has informed  XXXX   XXXX  of this and asked him to stop calling, I 've called and made a police report as requested by my  XXXX /employer because they are concerned about the calls and him stating he is going to come to the   XXXX  . I have limited knowledge about the company, my husband has only acquired partial ownership since his fathers death and only owns   XXXX   XXXX    of it (    and, it was a ctually only  XXXX  up until last month ) - we are working to resolve this with the company we owe the debt to but it will most likely be over time.

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 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I also wrote a debt collector who sent me back a letter XXXX attached XXXX saying they were requesting the credit reporting agencies to delete or remove this file. Transunion continues to report it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX  -original Complaint.   I  XXXX   XXXX , had to wait for my Doctors follow up in order for the paperwork to be filled out. Finally the paperwork from my Primary physician was and is complete and mailed as of today   X/XX/17 .      Since the original complaint had been closed, I am submitting another to further work with you and try to get some results on lowering, extending payments. This would help us during this difficult time. I want my daughters name as co-signer released as promised originall y by   XXXX   XXXX  , s he is not responsible for this loan. My husband works part time and receives a pension once a month, since I can no longer work we are asking for some leniency please.     The paperwork that was sent should supply and answer all their questions. This matter is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Today is XXXX/XXXX/16. I am an officially notified XXXX recent former Federal Employee, that WAS compromised in the successful hack attack on XXXX databases. I subscribed to the XXXX recommended XXXX XXXX Monitoring program. In an email from XXXX, dated XXXX/XXXX/XXXX, I was given a XXXX XXXX. Today I 've accessed my account with them and see that on XXXX/XXXX/16 " an unwarranted '' inquiry was made to my credit report and was described as follows at XXXX : " XXXX obtained a copy of your EQUIFAX Credit Report. " I have not been engaged in seeking new credit that would warrant this inquiry. I am unable to determine whether it meets your before criteria of either " hard or soft. '' To me, it has been UNWARRANTED, and the company requesting LACKED LEGAL AUTHORIZATION from me to do!!! I 've check on line about the supposed name of the company " XXXX '' and see that it 's been linked to numerous complaints in the past. Since this is NOT authorized by me, through a new credit application, I would like to have this inquiry identified as " inappropriate '', and that I as the Consumer be PROTECTED FROM HARM by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working since 2009 to work out a Load Modification with Flagstar Bank. Despite having income to support a refinance they have ignored multiple Modification applications, spent months requesting the same monthly information for 5-6 months without progress on the load mod only to deny the mod. Insurance money received to fix the roof on the house they took and still have not provided to fix the roof despite multiple applications. I have also been ignored by flagstar and their lawyers when asking about status or progress of loan mod requests. And despite pushing to make some progress on a loan, or mod it has been 6 years and flagstar continues to drag out the process and delay or ignore any requests I make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with CAB Receivables, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am writing you to discuss a disreputable collection agency that has submitted incorrect collections information to XXXX, XXXX, and XXXX about an account that I had at a dentist 's office. 
I have disputed the information with the credit bureaus multiple times, but I keep getting a form letter telling me the information has been verified. 
In an attempt to deal with the collection agency directly, I wrote them on XXXX XXXX 2015 explaining that I dispute the amount owed and requested information proving that I owed the debt and that I agreed to assume the debt. 
The collection agency only provided me with an inaccurate statement which did not include payments made. The statement did not include why benefits were not paid by my insurance. It did not include steps they took to settle this debt with my insurance company. 
Their incorrect entry on my credit report has caused multiple issues. I have been denied credit. I have also been given less favorable terms due to this collection account. 
I am writing you in hopes that you may help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: XXXX and XXXX XXXX are borrowers on a HAMP agreement with Nationstar. The borrowers were in a foreclosure lawsuit in New York and the matter was adjudicated and an appeal is pending in Appellate Division, XXXX XXXX The borrowers were making their payments electronically and attempted to make the XX/XX/XXXX payment but was restricted. A 3-way call was made from the XXXX XXXX XXXX XXXX XXXX. XXXX with the borrowers and a representative from Nationstar, who verified that a code had been placed on the file and it had to be resolved through the legal department. The borrowers ' attorneys office sent emails to the bank 's attorneys explaining that if the borrowers are restricted from making payment it could trigger a default and caused the borrowers to be at risk of foreclosure. On XX/XX/XXXX, XXXX XXXX, XXXX. with the XXXX XXXX XXXX  XXXX XXXX who represents Nationstar in the appeal contacted XXXX XXXX, the loan processor with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX who represents the borrowers to inform her that she needed a Stipulation to Withdraw the Appeal signed since the borrowers are in a permanent agreement and that she had spoken to the legal department of Nationstar to remove the " code '' so that the borrowers could make their XX/XX/XXXX payment. On XX/XX/XXXX the borrower again attempted to make the XX/XX/XXXX payment but there is still a code restriction on the loan. Because New York is a judicial state all mediation and loss mitigation is handled by the attorneys so servicers, banks, and investors will not communicate directly with the borrowers. Such restrictions put the borrowers at risk in such cases where payments have to be made or loan processing is retarded by law firms who are not underwriters and delay in forwarding paperwork to the bank. The borrowers have been restricted from making their XXXX payment because the bank 's attorneys want a signed stipulation withdrawing the appeal since the matter has been settled. Because Nationstar does not want to continue to pay attorney fees it is forcing the borrower 's attorneys to sign a stipulation and have put the borrowers at risk of default. Attached are my supporting documents and this matter has to be investigated so that the borrowers are not put at risk because law firms are bartering them as collateral damage. The borrowers have spent thousand of dollars in foreclosure defense fees and should not be placed with such imminent threat of financial burden.

Company response to consumer: Closed with explanation