milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XX/XX/2016. I checked my credit report, which I acquired from Transinon. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 10/16/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I have had a checking account at Citizens Bank for many years. In the past year the statements are not correct. Last winter I spoke to XXXX different service reps and they could not help. More recently I spoke to another service rep who started to help and then said it was too much work. Lastly I met with a rep who after spending considerable time with me borrowed my ledgers for several days and then said after going over the bank figures and my figures could not find the mistake. There is a difference of about {$200.00} in their favor. I can not close the account until a lot of checks clear or until this difference is settled. Meanwhile I will not do any more business with them. I have opened an account with another bank but I need to take the money out of Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am unable to pay more mortgage for financial hardship. I have been in close contact with my lender since XX/XX/XXXX and filled out paperwork for a deed in Lieu of Foreclosure. A month after submitting this paperwork, we received notification from our lender that our XXXX loan on the property was transferred to another lender ( prior to this Ocwen, our lender, held XXXX loans ). The Deed in Lieu was rejected on account of this XXXX lien on the property, Ocwen had created. The lender told me if the lien was cleared I could avoid foreclosure with a deed in lieu. Friends helped me pay off the XXXX lien in XX/XX/XXXX. I then resubmitted the Deed in XXXX paperwork ( in XX/XX/XXXX ). I also sent a letter from the XXXX lender which stated that my loan was paid in full, and in XX/XX/XXXX I sent a copy of the " Certificate of Discharge '' from my county courthouse. I have keep my relationship manager at Ocwen abreast of all of this and she acknowledge receiving all these documents. Then the months following this, my regularly scheduled phone appoints with my Ocwen relationship manager consists of them telling me there 's nothing to report yet as they are doing " just XXXX final check. '' But after receiving a Pre-foreclosure certified letter from Ocwen, I called to find out what 's wrong. My relationship manager was unavailable so I spoke to an alternate, who told me they had no record in my file of my re-submitted Deed in Lieu paperwork or the XXXX lender letter release or Certificate of Discharge mentioned above. She told me to fax her the Certificate of Discharge and she would expedite it to the Deed in Lieu Dept. This I did XX/XX/XXXX Still almost two months later Ocwen has nothing to report but tells me the Deed in Lieu Dept. is behind. Meanwhile, while the property is not yet in foreclosure the time surely nears. Further though Ocwen has told me all through XX/XX/XXXX that my Deed in Lieu is still open and active, I received a mailing XX/XX/XXXX stating they did n't have the XXXX ( Deed in Lieu ) paperwork. So XX/XX/XXXX I re-mailed a copy of this document that I had sent them back in XX/XX/XXXX. I feel Ocwen and my relationship manager are doing nothing but waiting for my property to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX/XXXX/16 I was approved for a {$500.00} loan via Big Picture Loans. I was informed that there was a finance charge of {$170.00}. Everything that I was told indicated that this was a ONE TIME charge that would be paid with the first installment payment of {$170.00} on XXXX/XXXX/16. It was my understanding that {$170.00} would be debited from my checking account until the loan was paid in full. {$170.00} was debited from my checking account on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I recently checked my balance and saw that it is still {$670.00}. Customer service informed me that the {$170.00} debit was only a finance charge and that no principal had been paid. This is outrageous. I paid Big Picture Loans {$700.00} in interest with no impact on the principal. I was completely misled. Having taken out the occasional payday loan in the past, I was totally taken by surprise as this has never before happened. This operation should be illegal. 
Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. 
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. 
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Student Loans.gov - I have a total of XXXX loans ( lines ). In XX/XX/XXXX - XXXX loans were consolidated with outstanding principal balances. The loans that were consolidated are still showing principal account balances. Nelnet said the loans were transferred to them and they ca n't make any changes. XXXX says they did not do the consolidation. Studentloans.gov says they ca n't help they only house the loans in a database. I attended XXXX XXXX College for on semester XX/XX/XXXX and Nelnet and XXXX show I owe over XXXX dollars for one semester. XXXX College of XXXX worked with me and Identified I owe them XXXX loans and Nelnet and StudentLoans say I owe XXXX loans over XXXX dollars, and XXXX XXXX College is over XXXX dollars. The schools identified there is an error, and studentloans.gov identified there is an error but nobody is changing it. I need help. Who can I call to help me. They are charging me XXXX in school loans. Nelnet is demanding payment but they wo n't correct the errors. They do n't have a promissory note for XX/XX/XXXX or XX/XX/XXXX for the consolidations.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midlands called me to collect an old debt on my cell phone. I asked them to not call me anymore. Three days later, the company started calling me at my job and also gave information about the debt to my boss and other coworkers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Mortgage debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted debt collector and advice I have no knowledge of account and its not mines. They remove from my XXXX and XXXX report I been in constant contact with XXXX they refuse to remove I need this remove immediately from my account it is not mines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MN).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had opened a XXXX account when in a Chapter XXXX bankruptcy in XXXX 2017 I had to convert to a Chapter XXXX by no choice of mine but due to a mortgage company not being able to do a modification. I understood that while I was going through the chapter XXXX the accounts would be frozen from charges but not from making payments. so I continued to make the payments. I was then told in XXXX to send over discharge to evidence none of the accounts were included in the bankruptcy. which I did and was able to use account and even received credit line increases. I went to go make a payment on the XXXX account and was told it was sent to collections because of the bankruptcy conversion. when I called to discuss and explain to them that they had requested I fax over the discharge paper in XXXX to open the accounts again I was told all my accounts would have to be closed due to conversion. Why ask me for discharge to evidence that the accounts were not included if you were going to close the account. I have used the account since bankruptcy and it was 10 months ago so why such a lag? I feel the accounts should be open and be able to be used as I have been making the payments on them since conversion and some of the accounts were paid off during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax went and deleted some of my good credit information on or after XXXX XXXX, 2016. I had XXXX accounts that were current deleted. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All accounts on attachment are recent accounts and need to be added back to report ASAP! this is hurting my credit report by removing my good information. 

The delete the good info but the fraud XXXX XXXX account and these inquiries they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a reverse mortgage with XXXX about six years ago when I was having severe financial hardships. They paid off my first mortgage but did n't pay off my back due taxes of about XXXX XXXX dollars. They assigned the mortgage to XXXX Mortgage. I had a repayment agreement with them. Then XXXX bought the mortgage again and Reverse Mortgage Solutions became the new service provider. From the start they seemed to want to foreclose and not give me a new repayment agreement citing FHA rules. In the meantime, after getting my reverse mortgage, I was forced to file Chapter XXXX bankruptcy and was discharged. After much trouble I was given a new repayment plan by them that did not state that any further tax payments would void the agreement. I told them that I could pay them every month until my financial condition improved. They sent back my third payment back because they paid the 2015 taxes. They have now started the foreclosure process again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this debt numerous times and this company continues to report on my credit. These charges are not mine they are a result of fraud and forgery. i have submitted affidavits many times and they continue to collect and report on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
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: On XX/XX/XXXX I wrote a heart filled letter to XXXX XXXX XXXX himself to ensure that I would not accumulate any late payment history and informed XXXX XXXX of my situation. XXXX XXXX responded with no empathy and made me feel like I was just a number, no customer should ever have to feel like that. I submitted a document to support my current situation and enrolled into their hardship program with automatic payments to ensure that I would not incur any late payment information on my credit report. I take pride in having a spotless record and % 100 on time payments. I 'm a single father and with a XXXX year old son that motivates me everyday to work harder and strive to be the best father that I can be. Last year me and my son lost everything due to hurricane XXXX on XX/XX/XXXX and currently we are grieving the loss of life, my grandfather and Discover does not make this any easier for us, my life will never be the same and I still feel empty. On XX/XX/XXXX discover reported late information to my report after I agree contractually to take part in their hardship program, I received a letter dated XX/XX/XXXX that did not align with the program I agreed to take part of, the letter contained information that indicates XXXX XXXX did not review my account correctly and no remorse was displayed whatsoever. I informed XXXX XXXX that I 'm improving my credit report so I can obtain financing for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with TIDEWATER FINANCE COMPANY, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a new account opened that states it 's been open since XX/XX/XXXX. I was born in XX/XX/XXXX so I would like them to fix this error before I make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not have appropriate heading that best described my situation. I received no communication whatsoever either written or otherwise still my alleged debt was reported to credit agencies by Focus Receivables Management -FRM- ( I realized after I was denied credit ). 
FRM 's predecessor verbally promised me that they will remove the alleged debt from their record and no credit bureaus will be reported. Although written communication said that they will not pursue the alleged debt and no credit bureau was being informed then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Wilber Law Firm, P.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has hired The XXXX XXXX XXXX XXXX and other extensions ) to make attempts at collecting an amount they " feel '' I owe them based on their payment to an insured client of theirs. I am not responsible, legally or otherwise, to pay. I 've spoken with them numerous times and have repeatedly asked that they cease communication at once or escalate this matter to a court of law. They have done neither of these things. These attempts and harassing phone calls continue to be disruptive to my daily life.

Company response to consumer: Untimely response
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a monthly automatic payment on the XXXX of every month from my checking account with XXXX to my Capital One Quicksilver credit card for {$390.00} dollars. After logging into my Capital One account this month in XXXX, I noticed my payment had not posted but with XXXX it clearly showed as payment sent. I contacted Capital One several times to no avail. With the issue unresolved with Capital One, I contacted XXXX who provided the ACH trace number. I asked XXXX to conference in Capital One and they did. Capital One denied receiving the payment while XXXX swears they sent it. XXXX representative provided several numbers to Capital One who still denied receiving it. Capital One finally agreed to conduct an investigation on the issue. XXXX refused to provide the proof of the ACH trace number in writing. A few days later I contacted Capital One for a status update and an account manager stated they are back logged and it may take 2-3 billing cycles to fully investigate the issue. I asked them if I would pay interest on the {$390.00} as I like to pay the statement balance every month and Capital One said yes I will have to pay interest on any amount of the last statement balance left unpaid carried over to the next cycle. I informed the customer service agent with Capital One that the trace number, according to XXXX, is as good as a receipt but the agent refused to honor it and said I will have to pay interest.

Company response to consumer: Closed with explanation