milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a loan on XXXX/XXXX/XXXX with One Main Financial. They performed a hard inquire that day.Then they performed another hard inquire on XXXX/XXXX/XXXX. This should not have occurred since they did it the day before. The hard inquire is showing up on my credit as hard inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been trying to get Equifax to report correctly. They sent me a letter stating it 's been taken care of, but it 's still reporting the same -- that the amount is owed. XXXX has not corrected it as well, I 've been trying to deal with this issue for over a year and it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The XXXX credit report agencies released and provided to XXXX different companies my credit information without my seeking to have credit extended to me. This happen XXXX XXXX 2014 and XXXX XXXX 2014 by the companies being, XXXX XXXX XXXX, and XXXX XXXX. The impermissible pull is negligence under Federal Law 1681 under FCRA ( sec 604 ( A ) ( 3 ), and Damages under FDCPA. I had gone to both these dealerships as co-signer and on loan already approved by XXXX, for XXXX XXXX my partner, the approval ID XXXX on date XXXX2014. the dealership never indicated they would seek financing other than that we went in with from XXXX XXXX They obtain my social security indicating they would contact XXXX and see if they could " increase '' the amount with me as co signer because they " Dealership '' F & I department manager said XXXX would not qualify receiving social security income because no way to re coop loan if it defaulted because XXXX receives State payment subsidy and social security and creditor would n't be able to garnished. At no time was authorization signed to allow a credit pull or to seek other financing, nor was there any disclosure as required under law as to sharing of consumer information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 6 ) XXXX  Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 7 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 8 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 9 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 10 ) XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 11 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 12 ) XXXX XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 13 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 14 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage with US Bank on XXXX/XXXX/2016. I was tolt that it would be a few weeks before an escrow refund would be processed. After not receiving the refund I called US bank on XXXX/XXXX/2016. They informed me that the refund was processed on XXXX/XXXX/2016 and that I should wait a bit longer for the check. I called back a week later and again informed them that my check had not been received. This time they informed me that they could not issue another check until after 30 days and that if they did, I would have to pay a fee to have them reissue the fee. It was my responsibility since they " mailed the check to the right address. '' This is an unfair practice since every mortgage payment that is mailed to them is the responsibility of the customer until they receive the money. If I mail them a check that " gets lost in the mail '' I not only have to pay the stop payment fee but I would also incur a late fee on the mortgage. The bank should be held to the same standard of responsibility that they hold the customer to. I have informed the bank that I do not have the check and they have an opportunity to stop payment to avoid fraud. I expect that if someone else were to intercept the check and cash it fraudulently I would be out the money or, at least, bear the sole burden of proof that it was n't me. This is also inappropriate given that I already notified them of failure to deliver within a reasonable timeframe.

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 02/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: All loans are processed by Fedloan Servicing and only require a single monthly payment. However, when I missed one payment, it showed as 16 missed payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Credit Bureau of Jonesboro, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any information verifying or validating that this account is mine. I disputed with credit bureau and the collection agency still not provide me with any information. 

I need an instrument bearing my signature stating that this account is mine. I also need a breakdown and calculation for amount claiming that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A {$600.00} medical bill for treatment of my wife, not me, was sent to collection. The only way I found out about it was when I did the free annual credit report. I told the debt collector that it was not for me, they said the medical service provider chases the insured name and not the person who signs the form at the doctors office. My sister happens to manage a medical office and she verified that the service providers XXXX the insurance that was used, and not the person who signs the form accepting responsibility. What is the point of having a patient sign that form if they doctor chases the insurance? The system is horrible and biased in favor of the insurance/doctor/bill collector. If any one of them had sent me a certified letter explaining the facts I surely would have resolved this MINOR ISSUE. The law should REQUIRE at least certified mail before an allegedly unpaid bill tarnishes a person 's credit score. I had perfect credit all of my life until this unwarranted, unfair, and uncalled for blemish marred my credit score. My reputation has been slandered by the doctor 's office, the insurance, and the bill collector, and they walk away scott free. It is way too easy for them to throw out claims without any substantiation. They ought to be ashamed of themselves, especially for the bill collectors who are bottom feeders and bullies anyway! I know that N.Y. has recently made some slight improvements regarding medical bills. That 's great, but what does that bill become when sent to a collection firm? The federal government must do what states can not or will not do. 
This happened several years ago, so my letter is more of a cautionary tale, than any request for assistance. On the other hand, if there is any action I can take now I would be very interested in learning what that might be. Thank you. God knows we need all the help we can get to fight against the many unethical, though maybe legal, practices exercised by firms today.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I purchased several items from Conns and after one week one of th items broke and wanted to return all items due to the poor quality. I had to come in an pay a restocking fee of XXXX to pick up all items. I tried to contact CS and ask them to waive the fee and they refused and also indicated that they do not have a corporate office. The agent continued to tell me what he could n't do as this was very frustrating and overwhelming. Additionally when arriving at the store location I was told I would only need to pay XXXX for a restock by store agent XXXX and now I am told by tje woman store XXXX that I would need to pay restock plus deliver which is a total of XXXX items + XXXX delivery charge total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I am requesting your assistance because I have made every effort to have this issue resolved. XXXX XXXX Credit Card was supposed to be removed from my credit report but Equifax is refusing to do this even though I have provided the supporting document. At this time, they are preventing me from getting approved for a home loan. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has never contacted me. Furthermore they called me on a company line which I have stated to XXXX XXXX should not be on my account. this line has been in a port transition since XX/XX/XXXX. It was answered by the location that had it waiting for the port and told all callers my cell number yet this Central Credit Services still called on this number. Something is very fishy about that. They have never contacted me until today and I at least should have the right to protect my credit. if I knew XXXX XXXX had turned this over to collection then I would have had to pay to protect my record. But i didnt. and if they had turned it over how come century link kept speaking with me? No one has informed me.If Central Credit Services is where the calls get routed when in dispute with century link they have never identified themselves as a collection company or I have been mislead into thinking this was XXXX XXXX. I need the opportunity to pay it before it goes on my credit and seek other solution at the court level.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (TX).
Issue: Trouble during payment process

Complaint: I XXXX XXXX and XXXX would like to dispute the payment late mark on our credit report for XX/XX/XXXX. This payment was made prior to the end of the month and not sure why you are penalizing us as if we made the payment in XXXX. We are aware that by not making the payment by the XX/XX/XXXX we would be assessed a late fee, but never in our minds would we think that by making the payment before end of month would call for a 30 day late Mark. We would have never been aware of this hitting our report if it wasnt for our new lender to bring it to our attention. We are scheduled to close XX/XX/XXXX and now that this is reflecting, we are in jeopardy of not being able to close or purchase this new home which has proper accommodations on our current handicap accessibility necessity. On XX/XX/XXXX @ XXXX we called in and spoke with customer service representative XXXX @ XXXX and per her review the payment was made in time to not reflect a 30 day late mark. She stated it appeared payment was posted into suspense and never processed for whatever reason. We were advised to send this letter to customer service through email, so that this dispute could be submitted and taken care of in a timely manor that would allow us to still move forward with our scheduled closing. Then we received an email back requested to have letter faxed. Then we followed up on the XXXX and they stated they received letter and that they were sorry, but it needed to be mailed in and could take up to 60 days. I asked to speak with management and was told no one was available and that XXXX XXXX would call me before end of day. Since XX/XX/XXXX I have made several callas and no one is able to speak or handle this matter and the last representative stated that we were misinformed and that there was nothing that could be done. Once again stated would get call from XXXX XXXX and to this day no call has been received. If you have any questions please dont hesitate to reach out to us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Everything on my Credit is 10 years old or more and it 's stoping me for getting a house Experian need to get that old stuff off my Credit before i sue them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I XXXX am filing this complaint because TransUnion has ignored my request to provided me with documents that their company has on file that was used to verify the Public Record i disputed. Being that TransUnion have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verify '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!

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 04-04-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made an extra payment to pay off the balance of a loan within an account of XXXX separate loans. I was current with my monthly payments and was explicit that I wanted to payoff that specific loan within the account. Although the student loan company, My Great Lakes, applied the extra payment as another regular payment monthly payment that went towards interest and prinocipal of the XXXX different loans in the acccount. So now I the loan that I wanted to pay off In full still has a balance and is accruing interest. Also, the monthly payment that was scheduled for XX/XX/XXXX is currently still " processing '' and therefore accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I submitted a dispute to Trans Union requesting the deletion of XXXX tax liens on my Trans Union Credit Report. On X/XX/17 I received a notice from Trans Union that they have confirmed the tax liens as verified and would not be deleting from my report.
The liens in question do not have all the necessary data verification points as now required by the National Consumer Assistance Program as it does not have my DOB and the SS # is incomplete. These should be removed immediately.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: transunion failed to properly in time investiagtae a complaint against a collection agency

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 05-08-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Checking account opened in  XXXX , met all required promotional activities such as {$15000.00} deposit kept in for 30 days and {$250.00} debit purchases within 45 days, account opened for longer than 5 months now, and no sign of my {$300.00} promotional bonus as promised to me.     Called several times, spoke to a supervisor. Promised to have the bonus by  XXXX   XXXX . Please help Citibank keep their word.

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 06/28/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2016 it was announced that Pennsylvania, as well as other states and commonwealths had reached an agreement with mortgage lender HSBC. I am a homeowner whose mortgage was serviced by HSBC since I purchased my home. I have heard no news or updates on this agreement since the announcement in XX/XX/XXXX. I was particularly interested in the section of the agreement that pertained to the loan modifications, which included principal reductions and refinancing for underwater mortgages. For years, I attempted to get assistance through HSBC to refinance at a lower interest rate than the 6.79 %, which I still currently have on my loan. HSBC offered a series of loan modifications, which lowered my monthly payments, but did little to lower my principle balance. 
Last year, this modification resulted in over {$14000.00} being applied to interest only on the loan, while the principle balance only decreased by slightly over {$4000.00} during the year. Since HSBC would not refinance and did not participate in any Government sponsored relief programs, I am still stuck with a higher than average interest rate and still slightly underwater My concern about this agreement grew deeper when my loan was suddenly transferred to a new third party loan servicer effective XXXX XXXX, 2016. Is this loan transfer part of the agreement stipulations or is HSBC seeking to shed some loans to lessen the impact of the settlement? Given HSBC 's history of questionable business practices, it would not surprise me if the latter was attempted. 
During my prior inquiries, I was informed that HSBC would be in contact with their customers regarding this settlement. Since they are no longer the mortgage servicer of my loan are they still responsible for this follow-up? 
I would appreciate if you could review this correspondence and follow-up on my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call came from Alliance One. 

Called a XXXX year old girl and then hung up rather than address fact that they were calling a child to collect a debt and would not identify who they were. Only when we did an Internet search did we discover what kind of call. 

When I called back, call routed to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have sent principal curtailment payments numerous times over the past year to my mortgage company along with letters instructing them to apply the full amount to my principal. They have refused my requests and specific instructions to apply my principal curtailment payments to my loan principal, and have taken it upon themselves to apply my principal curtailment payments towards my regular monthly mortgage payments, against my wishes. I have spoken to them numerous times over the telephone this past year and I have been told that they would correct their mistake, but they never have and they keep doing the same thing every time I send them a principal curtailment payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX   XXXX  out of North Carolina is trying to collect on a debt that they state was charged off by  HSBC Card Services Inc    XXXX   XXXX     I moved from  XXXX  to  XXXX    XXXX   XXXX  . They have no legal right to threaten me with a law suit based on   XXXX   XXXX   six year Statute of limitation regardless of the type of debt. And  XXXX  has a statute of  four  years for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.

Company response to consumer: Closed with non-monetary relief