milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Since   XXXX   no lender has been able to access my credit an error is returned "  XXXX  '' through my own research I found this is an error code triggered due to a mis-match between my SSN #, name and address. I have faxed the requested to Equifax, however over the last 8 months and so many calls I can not get anyone from Equifax to fix the issue because of their ineptness. as a  XXXX  person I 'm trying to get a mortgage so I can move into a more suitable home that is more accessible for my  XXXX . I have a contract on a home however the lender ca n't pull my file due to this issue. TIME IS OF THE ESSENCE as my closing date is rapidly approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled personal information and allowed their systems to be compromised, resulting in my personal information to be stolen by malignant actors

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: Capital One canceled my current Quicksilver Visa card because they claimed to ha e shipped me a replacement card. I had never received the replacement card and discovered my current card was cancelled when I could n't complete a {$20.00} transaction. Nobody had ever contacted me to tell me the card was going to be shut off and a replacement issued. Since I am a truck driver this situation was unacceptable as I need my card on the road. I called into the company received their explanation and was told a card would be overnighted to me. I was skeptical but took them for their word. I then got a call back 15 minutes later saying that I would not, in fact be receiving my card the next day ... Monday but would receive it Tuesday. Tuesday came and still no card. When I called in again I was assured that it was shipped and would arrive be Wednesday. However the company could not provide me a tracking number which leads me to believe it was never shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to acknowledge a letter I submitting stating this is not my account. The Account is over 7 years old and they are violating the FCRA Credit Laws by continuing to report the account

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: We took out a mortgage loan on our home with Regions Bank. Our home was paid for. We made every payment on time. XX/XX/2014, Our XXXX great-grandchildren came to live with us. After XXXX, we were hurting for money. I saw on line that there was help with problems in a resolution type thing with Regions. I called the number and spoke with XXXX XXXX in the mortgage dept. After explaining the problem, He said he could help. He mailed the paperwork for us to fill out. A payment was due and I asked what to do. He told me NOT to make the payment!! Even saying that might clear up my problem and let me use that money to catch up. He said it should take around 30 days to process the request. When the 30 days were almost up, I called XXXX again to see about the next payment and he said not to pay that it should be resolved soon. He did say it would go against our credit rating, but would be okay once it was settled. Our request was denied by Regions because we made too much from XXXX. The very next week, XXXX called me and asked when were going to catch up the payments and denied telling me not to make them. I have called and spoken to XXXX, to his supervisor and his manager. They say none of the calls were recorded and therefore, I have no proof. I do n't know what to do. I am XXXX and my husband is XXXX, all we have coming in is our XXXX. We have XXXX of our great grandchildren still. We have listed our home for sale and I 've told the bank that 's all I know to do!! We have NO extra money. The bank calls every 2 or 3 days to tell me if I miss one more payment, they will have to foreclose!! We ca n't get a loan or anything now because those two payments missed are on our credit report. 
PLEASE HELP US I do n't know where else to turn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Checking or savings account (Savings account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
<P/>
After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
<P/>
I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my wife 's [ XXXX XXXX XXXX ] password and enter her checking account at XXXX XXXX XXXX. Chase did not notify her of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Hi I own a home with Ocwen and i have mailed several several Loan Modification documents to Ocwen and no one got back with me. Then about 3 months into it they decided to give me a relationship manager whom according to our discussion was going to get me a loan mod, but he came back to me and stated that he will give me a payment plan and i was advised not to make a payment plan until i heard from him. Well i never heard from him and later i continued to apply for a loan Mod and still nothing from Ocwen, about 2 months ago i got a letter stating that i will be foreclosed and i called Ocwen and at that time was given another Relationship manager who called me on day before XXXX telling me my mortgage has now basically doubled in price for the next one year. 
They are basically forcing me into a repayment plan that is double the monthly payments. 
I find this solution during this difficult time of my life to be preditory and unreasonable. 
I need help and a modification not for it to double and now i am stuck and dont know what to do and where to go. 
I have lived in this home for the last 14 years, I am a responsible home owner. I WANT to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease

Complaint: I access over XXXX dollars in fees from Bmw Financial in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Another name is listed on my credit report. There is also a chase account that states it is overdue, but it belongs to this other person on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: unauthorized credit inquiries from XXXX XXXX. they refuse to remove or investigate inquiry disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Payday loan) with National Credit Adjusters, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I really do n't know if this is a payday loan or not. But these people contact me at home, my parents home and my place of employment. Awhile back, I went through a payday loan support company to assist me in the validation of this loan. I was told that validation letters were sent out and no one responded. That was exactly XXXX years ago. Since that time, only XXXX number keeps calling. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with National Consumer Telecom & Utilities Exchange, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone opened an XXXX XXXX XXXX account in my name and the account is fraudulent. The account has a balance of {$250.00}. It was opened on XX/XX/2016. I have filed a police report and have spoken with XXXX XXXX XXXX regarding this matter. Hopefully it will be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had some medical service performed several months ago. I see on my insurer 's web site that the insurance company has paid their portion of the bill. I have been waiting for a bill enumerating the service performed and what I owe. Instead I have received a notice from a collection agency that my payment is overdue. When attempting to call the collection agency to explain, they do not answer the telephone. This collection agency is Transworld Systems located in XXXX, PA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX XXXX I rcvd my first letter from XXXX XXXX XXXX Requesting Payment of Sams Club XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of two states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for Sam 's Club on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with XXXX for the last year on a previous debt which they also failed to validate as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 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: Equifax exposed my personal data. 
Equifax offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that Equifax should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and XXXX should not collect a windfall profit from the mistakes of Equifax due to the reaction of responsible citizens trying to protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: I had an insurance claim back over 2 years ago in 2015 ... the check was made out to both myself and Mortgage company ( now Ditech ). After getting work done, I had the insurance company out to property where they did a 70 page inspection. please note that insured coverage amount is more than {>= $1,000,000} and I owe less than 4550,000 so their collateral has never been at issue. I have forwarded that inspection repeatedly to Ditech. They refused to release money to me ( me being the one who paid all the premiums that Ditech simply escrowed ). Since I had shown them that their collateral was fine ( more equity than when loan was taken out by a good stretch ) I told them to credit the money to my payments. Ditech now has refused to even accept my subsequent payments and I am at risk of foreclosure. Ditech has a consent decree with the Mass AG 's office, regarding their doing this exact thing to other Massachusetts borrowers. Please help. THX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with CORELOGIC INC (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Saying government documents are invalid for a proper investigation and not actually reading documents. All of this for a false deed of assignment all done on a XXXX vet and family? also how can XXXX bank rewrite the transaction history just to execute a invalid loan modification for XX/XX/XXXX in XX/XX/XXXX? And I what to know what it is that is actually being hid from me and all borrowers?

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 06-03-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Problems caused by my funds being low

Complaint: The bank assessed fees of {$35.00} for overdraft and also a {$27.00} a day fee for the account which they are now trying to sue me for. These fees are obsurd and also saying they paid when they did not pay, and they said they did the overdraft protection is discrecionary and nothing was approved or paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Prepaid card (Other special purpose card) with Blackhawk Network Holdings Inc. (OR).
Issue: Managing, opening, or closing account

Complaint: I own a XXXX vehicle eligible for the XXXX fuel economy rebate program managed through a company I believe is called Blackhawk. I had a card that expired with a balance of {$230.00}. The paperwork with the card when it was received stated the card could be issued within 5 years of expiration by calling the phone # XXXX. 
In XXXX 2016 I contacted this number, spoke with " XXXX '' who told me my card would be issued within 30 days. 
On XXXX/XXXX/2016 I called because I had not received the card and was told I needed to " wait longer '' as it could take up to 8 weeks. 
On XXXX/XXXX/2016 I called again because I still had not received the card and was told the card had been issued on XXXX and I should have received it. I was advised the card would be reissued. My address was confirmed multiple times with each call. 
On XXXX/XXXX/2016 I called again because I still have not received the card and was told the issue had been " escalated '' on XXXX. I asked if the card was reissued as I was told on XXXX/XXXX/2016 and was told " Yes '' but apparently had not yet been mailed. I asked when it would be mailed and the agent stated he did not know and I would need to " wait longer ''. 
It has now been 4 months or more since I initially called, Blackhawk was reluctant to give me their company name, and is repeatedly unable to confirm any details about when this card will be received or what is causing a 4 month delay. 
I would like the CFPB to assist in the reissue of this pre-paid card in the amount of {$230.00}. 
Thank you for your help, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (FL).
Issue: Managing the loan or lease

Complaint: I am a XXXX Veteran and XX/XX/XXXX, had to abandon my NC home, due to unsafe/unhealthy mold. The house was uninhabitable and was way to expensive to repair. I could not do it, nor could I afford to pay someone. 

I had to file Chapter XXXX BK, in hoping to release my name from Deed, due to CitiMortgage surrendering house back to XXXX XXXX. I was NOT made aware that Citi did this and all sorts of back taxes and City of XXXX XXXX " Maintenance '' fees were accruing. 

When a law firm discovered my address, from the last water bill paid, they sent me letters stating that they would foreclose, due to these fees. I panicked and filed Chapter XXXX. 

I thought Citi had control of the mortgage and were going to sell the property. They sneakily surrendered it back to XXXX XXXX. Citi paid XX/XX/XXXX taxes, put a tarp on roof, changed locks and placed anti freeze in pipes. 
( I found this out by neighbor ). 
Citi was also made aware of my abandoning said property via phone call AND mail. XXXX XXXX confirmed this fact. 

One lady at XXXX County tax office, told me that I am not responsible for the taxes, yet the same county office filed a claim against me, including City of XXXX maint. fees., atty. fees, etc.. 

The BK Trustee handling my case, was made aware of this fact and decided to still penalize me, forcing me to pay, despite me making mention of this. I even disclosed the womans name and phone number!? 

One person tells me I do n't owe and another says I owe, even though I walked away from the house due to health/safety circumstances. 

I just finished spending an entire year living in EXTREME poverty, yet ineligible for any social programs, unless I sell all my possessions, which is n't considered as squat! 
I drive a XXXX Dodge Dakota, which is in less than fair shape. 

I am totally disgusted with how things have turned out over the last 10 or so years and I 'm not surprised that many other Veterans in my position XXXX! 
Yet these same people always exclaim : " THANK YOU for your service to our country! "? 

The whole reason behind this financial mess of mine, is primarily due to the Dept. of Veterans Affairs and their " Delay, Deny and Hope that I Die! '' mentality. My claim is over 14 years old. 

XXXX XXXX refuses to release the lean, even though I 'm involved in a Bankruptcy proceeding, unless I pay them {$1000.00}! 
My name remains on the deed until I do so, which as you know I am responsible, if the house is set on fire or someone is injured on the property. 
XXXX 

I also have a separate claim, that I would like to file against XXXX XXXX, but will do so separately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I have no relationship, financial or otherwise, with Kohl 's Department stores. Between XX/XX/XXXX and XX/XX/XXXX, Kohl 's made XXXX separate withdrawals done by EFTs through XXXX from my checking account at XXXX totaling {$1300.00}. This was caused, apparently, because of the transposition of XXXX numbers in the Kohl 's card holder 's checking account that is also with XXXX in XXXX XXXX. The transposition of the XXXX numbers by either Kohl 's or the card holder resulted in the funds being taken from my checking account, obviously without authorization from me. From my perspective, Kohl 's illegally withdrew these funds from my checking account at XXXX. Their failure to correct their error amounts to theft from me.

Company response to consumer: Closed with explanation