milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the judgement information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX I have disputed this information with equifax , as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However Equifax is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with equifax. 

below was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX Satisfied Judgment Filed XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal credit report. I disputed with them many times but they reject to delete it from my account. What they 're doing is illegal. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business that is an LLC company where I have 5 % shares and it was a small business loan without collateral or personal guarantee. The company that got the loan shut down their operations and now, this company is coming after me as I 'm the only person in the US. I 've never signed a contract for any loan. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. I never received any kind of personal loan from their client. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. It is against the law and they ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with loanDepot.com, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My unit is under a 5 year tax abatement program, so every year there is an abatement increase on top of the original tax amount, which comes in a separately bill. LoanDepot, my mortgage server did n't pay the abatement increase from my escrow account, and claimed they did n't receive a copy of the bill first. I sent a photo copy in early XXXX, and kept following up. However, only until today, after I call them, I got an answer saying that this increase amount is not their responsibility to pay, and they ca n't incorporate this amount going forward, either can they reimbursement me the losses occur. It 's been a month!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Integrity Solution Services, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: INTEGRITY SOLUTIONS SERVICES is a third party debt collector. They are reporting info on my credit report that I owe them {$1100.00}. I have not ever dealt or even heard of this company. I do not have a contract with INTEGRITY SOLUTIONS SERVICES. I also looked on the  Secretary  Of State website to verify that they are bonded with the  SOS  and was not able to locate 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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

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 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed the creditors information on my account, because the payment amount, balance, and last payment was reporting on trans-union incorrectly. Instead of receiving the information updated to show the correct terms of payment amount XXXX, balance XXXX, and last payment received XXXX/XXXX/16. Trans union took my auto loan off off my credit report and listed it as discharged CHXXXX BK. This account was reaffirmed in the CHXXXX, and has been reporting correctly until XXXX/XXXX/16 where it was wiped off my credit report completely. I have attached the credit report showing the error attached, and have also attached the Reaffirmation document for XXXX XXXX XXXX, showing the correct payment that it should be, my account is active and i am current. This also has caused my credit score to show that i have derogatory account on my name.

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 non-monetary relief
Consumer complaint received 09/14/2017 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 did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: Citi offered a deal that if you used a specific promo code and signed up for their premium CitiGold checking account, they would award you XXXX XXXX Miles. It was confirmed XX/XX/XXXX that I had met all the requirements for this offer ( {$1000.00} in debit card spending, 2 months of online billpay, opened account using promo code. ) I was told that I would be awarded the miles within 90 days. This was over 5 months ago. XX/XX/XXXX i was assured that the miles would post within XX/XX/XXXX, but that did n't happen. XX/XX/XXXX, I contacted Citi Bank again, and the customer service representative opened an investigation to check the status of my miles. He said I would hear back by XXXX XXXX, but nearly 2 weeks later I still have n't heard anything. This checking account charges a $ XXXX/month maintenance fee, and I 'm starting to feel like this offer is being dragged out so that they can collect additional fees.

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 monetary relief
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, I had XX/XX/XXXX unauthorized ATM withdraws in the amount of {$280.00}. 
XXXX was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXXXXXX . 
Another was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXX 
I contacted my bank, which is Citibank, ( on that same day ) and advised that there were XXXX unauthorized withdraws. 
. 
I made a claim, and was given a claim number. XXXX. 
I received a letter dated XX/XX/XXXX ; which stated that reimbursement had been denied. 
. 
I appealed, submitted a police report, store receipts, and a brief description of my whereabouts on that day. 
Received another claim number XXXX. 
I received a letter dated XX/XX/XXXX ; which again stated, that reimbursement had been denied. 
. 
Both letters were identical as to the reason for denial ; Yet, there were no facts or evidence to support the denial for reimbursement. Only assumption. 
. 
Again I contacted Citibank to appeal. I was told to submit a letter stating why I should be reimbursed. I faxed a letter, and receipt of letter was confirmed by Citibank. 
The confirmed date of receipt is XX/XX/XXXX. 
I am still waiting for a response. 
Every time I call the number on the rejection letter ( XXXX ), I speak to a customer service representative in the XXXX. 
I am never given a solid answer ; Always an excuse, such as : " the investigation is ongoing, '' " I do not have answer, '' " you can not speak to the person handling your claim, '' etc. etc. 
So i am reaching out to you, at Consumerfinance.gov., to assist me with reimbursement. 
I have attached plenty of documentation to support my claim. 
Please help me with reimbursement ; And furthermore, help put a stop to this " runaround '' that Citibank i putting me thru.

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 monetary relief
Consumer complaint received 07/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: In XXXX, I started to notice large sums of money was missing from my bank account. I would call and report it and some of the items were credited to my account. Then I noticed transactions performed that I never did and did n't even have a destination. Checks that were presented were returned allegedly and then I see that they cleared in my account. Deposits made did not reflect in the account and some deposits were made to appear as withdrawal transactions. It started to get worse in XXXX. I had no idea what was going on ad how they were doing this. I noticed several transactions electronically made to stop and shop. I called stop and shops corporate office and they told me no electronic transactions were made or returned. I called telecheck who clearly state to me " it 's your bank ''. I then filed a police report with the local police who did nothing to investigate it. I was told all the transactions had been refunded. I made two deposits one day apart in the same amount of XXXX one of which was a check and another which was a check for XXXX and the rest in cash. These were funds from my home burning down and donations were collected. The cash deposit had disappeared and the check was put on hold, cleared the hold and then a check came in and they still returned it. I went to close the account and was told by the branch manager it was closed. They then put through the same check again overdrawing my account and taking my XXXX XXXX payments for me and my children. I was told everything was to be credited. In XXXX I was told they were going to close the account. That was fine because I already did. Meanwhile they opened anther account performing erroneous transactions. There were transactions made when at ATM 's when I did n't even have a debit card because the ATM machine took it. I contacted the corporate headquarters numerous times speaking with XXXX XXXX a customer advocate who was of no assistance she would not return the missing money. It is thousands on top of thousands saved during my 9 month trial work period. I recently ordered my statements again to see what the transactions were reporting as and they are all totally different from the original statements. All of the money refunded was taken back. The other account they opened they sent a letter saying they could n't find the other account information. Bank of America legitimately stole a XXXX single mothers savings!!

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
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I would like to file a complaint about a representative of Central Financial Control. My roommate XXXX. ( I am happy to provide both my number and the number of my roommate upon request ) was on the phone with this representative ( call began XXXX/XXXX/XXXX beginning at XXXX XXXX ) with my permission and she was on speaker phone so I could hear the content of the conversation. I believe the representatives name was XXXX and but I was unable to hear his employee ID or branch number. As we dialed in my account number before speaking to him, it should be easy to look up who we spoke to. The phone call only lasted 2 minutes and 36 seconds, but in that period of time he yelled, threatened, and cursed extensively. The representative told me that he did not give me permission to record the conversation, so I do not have a recording of his cursing spree, as due to his request I stopped the recording. Considering that XXXX. was calling as my representative, reaching out to the company in order to *pay* a debt when I had not ever even been contacted by the company ( I discovered the debt in a review of my credit report ), I am shocked at this kind of abuse from their employee. I am sending a letter to the company reminding them that the Fair Debt Collection Practices Act of XXXX does not allow employees of debt collection agencies to use obscene or profane language, which he certainly did- with XXXX witnesses ( myself and my roommate XXXX. ). I also let them know I have reported this behavior to the Consumer Financial Protection Bureau and I would like to know the name and employee ID number of the representative we spoke to and what they are going to do about his behavior on their end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 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: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry from XXXX XXXX, 2017 Initiated a hard pull using my social security information when this was not authorized. Institution should be looked into for further investigation. The date of which this was initiated was not consented. Spoke with institution and they would not assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote a letter to Equifax back in XXXX, asking them to investigate XXXX inaccurate accounts that appeared on my report with their agency. Over the last four months, I have sent countless follow-up letters to Equifax , but for whatever reason, they will not respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Checking or savings account (Checking account) with FULTON FINANCIAL CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I didnt give bank the permission option in XXXX XXXX XXXX XXXX. My account is being hit with this fees every day and putting my account way over limits that I cant pay and I have bills myself to pay!!!! 
I have a direct deposit and if dont hit my account before bank does I dont have any money.

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 11/17/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX was in review for a loan modification with all documentation submitted to the lender on XX/XX/2015. On XX/XX/XXXX XXXX from PNC called our office and stated that their institution was in need of a paycheck stub dated for XX/XX/XXXX as the one they had was cut off. She made it very clear that this paycheck stub dated XX/XX/XXXX was the only one to be submitted and was the only document needed. She did confirm the deadline for this document to be received was XX/XX/XXXX. The paycheck stub was sent to PNC on XX/XX/XXXX. Our office followed up and it was confirmed the paycheck stub was received. XXXX XXXX our office spoke with XXXX who stated that there was not a complete package and stated he did n't know what was missing the call was dropped. When our office called back it stated their institution was closed. On XX/XX/XXXX our office spoke to XXXX id XXXX in Florida loss mitigation. She stated the file was closed out on XX/XX/XXXX because the following documents were not received - bank statements for XX/XX/XXXX for account number XXXX, XXXX, missing utility, missing employment letter missing hardship verification. I asked her when these documents were requested as we had called on a weekly basis and never once were these items requested. In fact, I informed her their office called us on XX/XX/XXXX and only requested the paycheck stub. She confirmed XXXX called us, but stated XXXX only documented the account with her informing us of the missing item. XXXX failed to properly notate the account as to what was requested ( as she was adamant only pay stubs were needed ) and failed to do her job properly as now there is conflicting information. Calls are recorded for quality and we are demanding that that could be pulled so we can confirm that she failed to provide accurate information. Furthermore it is obvious that PNC purposely provided inaccurate information so XXXX XXXX file could be removed from loss mitigation. The number of times that we communicated with PNC to check status of the file should extinguish any opportunity to excuse PNC 's behavior. It is very apparent that PNC employees are negligent and that PNC is denying this file and discriminating against XXXX XXXX based on his race, ethnicity, language, and national origin. They would rather foreclose on his property then do a proper review of his file. We are demanding that the sale date scheduled for XXXX be postponed or XXXX XXXX will assert his legal right and name PNC Mortgage and XXXX as defendants in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a direct mail piece  from Quicken st ating I might be able to refinance my mortgage for a rate as low as 3.625 %. I know my credit is quite good, so I applied, fully expecting to receive the advertised rate.  <P/> Upon applying, I was told that I must sign an " intent to proceed '' form before they would give me an estimate showing closing costs and rate. I read the document and saw nothing that said I could not back out after viewing the documents, so I signed and looked at the documents. They also charged my credit card {$500.00}, to be refunded upon closing.  <P/> I looked at the documents and saw that the rate they gave me was 4.25 %. I asked why the rate was so much higher than the advertised rate. I was told that I could buy down my rate with origination points, except that in Texas, closing costs were capped at 3 %, so even with A+ credit, there was NO WAY that I could get the advertised rate of 3.625 %. They should n't advertise the rate in Texas if it 's unobtainable.  <P/> At that point, I decided that I did not want to proceed and I wanted to withdraw my loan application. They said had to be notified in writing. I notified them in writing within  1 business day. Multiple phone calls and written correspondences later, YES, I STILL WANT TO WITHDRAW MY APPLICATION. They drew it out over two weeks. Finally they agree and say they will withdraw my app.  The next day, I receive a letter that THEY have denied my application because I could n't provide the necessary paperwork.  <P/> Oh, but they still charged my credit card {$500.00}. For what? No appraisal, no paperwork, nothing was done because as soon as I saw the rate I immediately STOPPED the process. After 24 days they finally refunded the {$500 .00}, MINUS {$27.00 } - a credit report fee! They charged me to pull my credit.

Company response to consumer: Closed with explanation