milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: After my divorce in XXXX I purchased a house for approximately {$450000.00}. As a single mom with no child support or alimony, I was soon unable to make my monthly payments. I ultimately deeded the house in lieu of foreclosure to Nationstar during XXXX, XXXX. At that time the mortgage was {$340000.00}. I received a XXXX in XXXX, XXXX for the XXXX tax year indicating that the fair market value of the property was {$360000.00}. The Commonwealth of Massachusetts considers cacelled debt as income. Even though I gave Nationstar my home in exchange for cancelling the mortgaged, I 'm being taxed on {$340000.00} as income, and have to come up with over {$18000.00}. I am a single mom with XXXX kids in college and rent my home. I 've called Nationstar approximately 7 times during the past 3 weeks, and have emailed them. I 've asked them, in accordance with my accountant 's recommendation, to issue a corrected XXXX. They do not respond to my messages. This is an enormous financial burden and causing terrible XXXX for me and my children. I 'm concerned about Nationstar 's apparent disregard for this situation.

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

Complaint: Equifax announced that they were a victim of a data breach on XXXX XXXX, XXXX. Do note that the breach appears to have occurred from XXXX XXXX to XXXX XXXX. Equifax is offering TrustID enrollment to me until some time in XXXX. It has also been reported that accepting the TrustID enrollment may remove your legal options towards the company. While Equifax is equally a victim, they are ultimately responsible for keeping my information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: New billing date and amount.My report should not read late nor past do.New terms, payment due ... XXXX, {$230.00} for 6 months .... Please update 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 08/14/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: I have a submitted a new contract to start the short sale again. The previous buyer walked.

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 02-01-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Deposits and withdrawals

Complaint: I have a business account with Citizen 's Bank on XXXX and XXXX XXXX XXXX in XXXX, DE whom I have been banking with for over eight years. Someone stole one of my business checks which they forged for {$5200.00} along with my signature. 
This incident happened in XXXX of 2016 which I have been disputing since then. I have spoke with several different managers and I filed a complaint with BBB. Never once did the bank offer any kind of assistance in this matter. 
The bank 's position was the check was not secured and they will not reimburse me for the money which they allowed to be drawn from my account. I am not happy with their decision, couple with the reasons that the bank has given for not reimbursing me are conflicting in the correspondence that I received. I see this issue as unethical to charge me for something that they should have safe guarded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from XXXX. 
I closed that checking account and opened a new one. 
I have received one letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling one of my relatives right now so, I am a bit concerned if they would have a leg to stand on in Small Claims Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX sold my alleged debt to a collection company. I was forced to settle the account to protect my credit. When XXXX sold me their cell service the representative told me that I could make toll free calls to XXXX. I relied on this and spoke to family in XXXX extensively and was charged over {$1000.00} for the month. When I attempted to contest the charges with XXXX I was given the run around and treated " like a criminal ''. I was promised adjustments and an investigation but instead my account was sold to a collection company. I was forced to settle with the collection company as the debt was interfering with my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (I do not know) with URS Holding, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT  XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS 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 11-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have applied for a mortgage modification with Chase. After four months and hundreds of pages of requested documentation not to mention numerous conflicting requests, numerous statements by Chase customer service representatives that our file is ready for review, On the same day another request for more documentation comes. This is a frustrating and costly process for folks with low income but good credit. Are these banks hiding behind federal laws while requiring mountains of documentation only to have the original application " time out '' due to their inefficient process.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has been remove almost all my account from my fileXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXXXXX HAS BEEN REMOVE # XXXXTXXXX HAS BENN REMOVE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Residential Credit Solutions wants me to pay {$1200.00} in attorney ; s fees that I do not owe them. Our account is current and we do not owe them anything. Please read the information attached and it will explain everything.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion is removed XXXX inquires and a collection account from my credit report however the information has now been reinserted. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item- I was never notified!

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 08/19/2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NM).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I sent a payment via TDBank bill pay of {$360.00} to XXXX XXXX XXXX  on XXXX XXXX, XXXX. I sent this payment to XXXX XXXX XXXX by mistake. I called XXXX XXXX XXXX about 2 weeks later to find out where the payment was when they received it. They said they did n't receive the payment but if they did in the future the funds would be placed into my savings account. That has n't happened as of XXXX XXXX. I called the TDBank to find out where the money was. On XXXX XXXX XXXX they sent me an email to call them so they could investigate this situation. The TDBank ( in NJ ) has a Confirmation # from their bill pay payment to XXXX XXXX of XXXX. Could you help me find out where the {$360.00} is so it can be returned to me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX, 2016. They introduced us to our loan processor las week and they told us today that we were declined based on credit bureau information. Information that I had shown them was reported in error no less. Now we may lose our house and {$17000.00} down payment because they led us to believe that we were approved. It is just not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX now called bigpicture. I applied for a loan. they toldme I could pay off early and pay balance an interest to that day. I borrowed XXXX already paid XXXX ask today XX/XX/2016 for pay off as of today and iwas told XXXX plus XXXX this is not what they said originally. that 's over XXXX they are not upfront and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 XXXX XXXX XXXX XXXX, CA XXXX Dear editors and readers, I am seeking help in recovering {$710.00} that was confiscated from my escrow account by the LenderLive Network, LLC my mortgage company in XXXX CO. 
The {$710.00} was the second Hazard Insurance payment for the same year. When this second payment was breached from my account it put my escrow account in a negative balance. 
The first time that I called them they admitted the mistake and said it should be cleared up by XX/XX/XXXX, when I did not hear from them I called back. This time I talked to a woman named XXXX who said it would take until XX/XX/XXXX to clear up their mistake, but in the meantime I would have to pay mortgage increase of {$100.00}, adding insult to injury. They want me to pay extra for their wanton negligence. 
Seeking advice ... Is there a Real Estate resolution board or a Real Estate fraud board? Small Claims court? 
Any help appreciated, XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I open the checking account with Bank of America in 2015 and they close my account without letting me know what 's going, all they said because I deposited one of my cousin check into the account. And their account was close before it arrive me or the day I was deposit, they realized that I was deposit already. But I did n't. Because my cousin switch bank to credit union. So they close they account after the check arrive to me. So Bank of America close my account and sending to XXXX XXXX XXXX XXXX which I do n't know what was it. So I ca n't open the account any where else because they said I owe them. My direct deposit from my employer always come every 2 weeks.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX   Inquiry  :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XX/XX/XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX   XXXX    XXXX   Inquiry :   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  , XX/XX/XXXX ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by 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
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Ally Bank 's Bill pay service is not working since morning. May be it was not working for days ( i am just using today ). Talked to Chat support ( XXXX ) and then phone support ( XXXX XXXX - except excuses they do n't have to offer anything. 
Clearing cache, browser data and did every possible thing ... using a different browser and different computer ... writing to them via secure email ... .nothing worked. 

There is a server side issue - Bill pay is getting timed out

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 12-10-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Halsted uses automated dialers to call me repeatedly from spoofed phone numbers. They call & as soon as I answer they hang up. Sometimes they call & hang up as much as 3 times per day. A few of the phone numbers they have used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Halsted also refuses to give me a mailing address so I may send them a cease & desist contact letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never had any dealing with convergent or its associates in the past and received a letter stating that I owed them money. Sent a Validation letter and I am awaiting response. Copy of letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.  XXXX   XXXX  gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 other   Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Deposits and withdrawals

Complaint: I wrote a check with a balance less than the check amount. This check was written to my landlord, who routinely does not process that check for weeks. I monitored the account at least twice per day, to see if that check had been presented for payment. I did have sufficient funds in a savings account from which I could have transferred money to cover the outstanding check. On XX/XX/2016, I made a deposit by check, in an amount that provided funds in excess of the amount of the outstanding check. On XX/XX/2016, I checked my account and discovered that PNC had charged me a {$36.00} insufficient funds fee, the check to my landlord had been paid and my account had a balance of over {$100.00}. PNC had processed the check before processing my deposit. That deposit was made inside a PNC branch and by a personal check made from my other checking account ( I had received a larger deposit in that account ). I believe that PNC processed the debit before the credit in order to generate the insufficient funds fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never done business with Cavalry Portfolio Services. I do it have a signed contract nor any contract with Cavalry Portifolio Services. I have the right to demand to request and obtain a validation of debt from Cavalry Portofolio Services since they are reporting a trade line on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: Enrolled in XXXX preferred without my consent. I 'm XXXX years old and Noticed I 've been charged for this service. My XXXX is not what it used to be, and once my daughter started looking at things she noticed that funds were being withdrawn. Reference number : 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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a dispute with Equifax to delete all of my incorrect address information and I also asked regarding debt validation on some accounts on my credit report. I received dispute paperwork from Equifax that is dated XX/XX/XXXX under report # XXXX. Per dispute results the following addresses were deleted on XX/XX/XXXX and reinserted and reaged and put back on my credit report when I pulled my report on XX/XX/XXXX. This is a clear violation of the fair credit reporting act with furnishing inaccurate information. I want the following addresses removed immediately as they do not belong on my report after they have been deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief