milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I initially filed a complaint against  TD B ank, USA and debt collector attorney 's office  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX . for deceptive tactics to collect on bad  debt.TD Bank USA  responded stating that  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  was servicing the account.     I was sued on this account an d TD  Bank stated they wrote this account off. If this is true, they never sent me a  XXXX  to report on my taxes. I contacted the Internal Revenue Service and it was stated that they did not have one on file. This would mea n two things, TD Ba nk wrote it off on taxes and are trying to sue me for what they wrote off, which would be illegal, or they have sold this account.     It has already been determined in the letter that they charged the account off o n   XXXX   XXXX  , 201  6 wh ich was in the response  Case #    XXXX . The attorneys are claiming they are suing me on behalf of the company, and if that is the case, that means tha t TD Bank is violating tax laws with the IRS, however if they are no longer custodians of this accoun t and sold it, I need them to state that in a response that they sold this account to the law firm.     If they do not respond that they sold this account I am asking that this information be sent to the Internal Revenue Service for investigation into tax fraud.     Tax fraud occurs when an individual or business entity willfully and intentionally falsifies information on a tax return in order to limit the amount of tax liability. Tax fraud essentially entails cheating on a tax return in an attempt to avoid paying the entire tax obligation. Simply   TD Bank ca n't sue me and charge off the account.
The law firm filed a legal document bearing TD Bank as the plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: The letter below is what I sent to Transunion requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by Transunion. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. 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 non-monetary relief
Consumer complaint received 11-01-2015 about Consumer Loan (Installment loan) with POPULAR BANK (NJ).
Issue: Taking out the loan or lease

Complaint: I have been trying to get a loan from Eloan since XXXX. They said I was approved and I still have n't gotten the loan. The reason why I have n't gotten it because they keep coming up with fees that needs to be paid before they can give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed this account YEARS ago and continued to get XXXX balance statements. Finally last month I received a statement that had a small charge that had been reversed. I decided to call and find out why this account was evidently still open, even though I closed it YEARS ago. They said it was still open, I just received another statement. Saying my balance was XXXX. Minimum payment listed and everything. I am concerned that this company is refusing to close my account. Much like XXXX XXXX, they want a certain number of customers and accounts to look good on there business prospective. The name on the card is XXXX XXXX. My name before I married several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been requesting information specific to my PMI canceling for a significant amount of time. The last request I placed was via email on XXXX/XXXX/2016 asking for a review of my account to determine if my PMI can drop off without ordering an appraisal. I have yet to receive a response other than the PMI dept is still reviewing my account. I received this 'status update ' via a letter on XXXX/XXXX/2016 as well as verbally when I called on XXXX/XXXX/2016 and XXXX/XXXX/2016. When I called on XXXX/XXXX/2016, I spoke with XXXX who advised my PMI had not dropped off yet even though my LTV was around 75 % because I had been paying bi-weekly and my principle had decreased faster than the amortization schedule had detailed. XXXX placed another request in with the PMI dept for their review and promised to call me with their status. I called on XXXX/XXXX/2016 and spoke with XXXX, she advised the termination of my PMI does not consider my account balance but instead goes by my predetermined auto termination date as determined by my amortization schedule created at closing. When I asked her what that date was, she told me that was still under review from my XXXX/XXXX/2016 request. 
I can not seem to get a response on this, and I am paying unnecessary PMI rates on an LTV that is lower that was is required by investors and my closing paperwork. My intention is to refinance with a HARP loan once my PMI has dropped as I am currently paying 6.5 % in interest. This delay is costing me money. 

Additionally, when I called on XXXX/XXXX/2016 I found out my account showed I was late in my payment. DiTech takes bi-weekly payments directly from my checking account, but apparently due to a system upgrade my payment was applied to principle. I received no notification of this late status, and there was no review of payments to determine if the system had incorrectly allocated funds. When speaking with XXXX, she knew the issue right away, which tells me this was a known issue that DiTech took no proactive stance in correcting. XXXX also advised I monitor my account for the next couple of payments to ensure DiTech did n't make the same mistake again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with PNC Bank N.A. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenEquifaxXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with URS Holding, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2015 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have contacted FEDLOAN on numerous occasions regarding receiving a monthly payment reduction. I was told that it could not be done and then was given a slight deduction that was still above what I expressed that I could afford. I have tried to work with this servicer for 2 years to no avail but now receiving threats of default when I tried to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is no means on any of the bureaus to dispute the inaccurate balance showed on this item. My reports show I owe more than {$1900.00}, when in fact I owe {$0.00}. I am trying to buy a house and this inaccurate record is standing in my way.

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 08/15/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX at XXXX XXXX XXXX called me at work about a debt his company bought from XXXX XXXX. It 's the first contact I 've had with them. I do not know if this is legitimate, but being called at work is unacceptable.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's security breach may personally affect me per their website. They are obviously unfit to hold consumers secure information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (DE).
Issue: Fraud or scam

Complaint: Coinbase owes me money. I sold BTC and initiated a transfer to my XXXX XXXX bank account on XXXX XXXX, 2017. I still have n't received the money that they owe me. I 've filed several support tickets and I 've never gotten any actual help. I 've only gotten generic help desk messages sent to my email. All information and proof/screenshots can be found on my reddit post. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Consumer Loan (Installment loan) with M&T BANK CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I have a boat loan with M & T Bank. The required monthly payment is {$370.00}. My loan balance in XXXX XXXX was {$34000.00}. Since XXXX XXXX until XXXX XXXX, XXXX, I 've made {$3700.00} toward this loan. I usually make {$200.00} every two weeks. I have not checked on my loan account because I thought I have made monthly payment more than the requirement. Today I checked on my loan account online, and I found out my loan balance is still same as in XXXX XXXX, which is {$34000.00}. My loan balance has not gone down even a penny. All my payments made to this loan went straight to interest, not a penny was deducted toward my loan principle. I called and asked them why all my payments went to interest, nothing has gone to the principle. They told me all my payments of {$200.00} did n't meet the required minimum payment of {$370.00} ( even though my monthly payment was {$400.00} ), so all payments of {$200.00} went to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company " Equitable Acceptance Corporation ( EAC ) '' associated with " XXXX XXXX '' is believed to be operating a fraudulent company in which has obtained sensitive information from me as well as my child. Upon discussing loan details with them, it was mentioned that they would have forgiven my loans after 3 years of paying {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. I am aware that Loan Consolidation can be done by myself without further payments so it would not make since for me to pay them for simply applying paperwork. The information on the contract is incorrect and the information in which the XXXX XXXX for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon my son contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. Also, when viewing their webpage, their " Privacy Policy '' will not display as if they do not have one. This was a Red Flag to me. This company consciously obtained my information to commit fraudulent acts and have now attacked my credit history with an account that was opened on false pretenses. The account in which they ran against my credit is not addressed as a loan, it is addressed as a credit card. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. It has gone as far as the company falsifying information on the contract. In attempts to call and cancel with the student advisor of EAC, no one ever answers. However, when receiving calls from them, they harass you. I am a mother who helped my son through college, with another child still to complete college. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has negative account information listed XXXX and XXXX. These are not my accounts. I do not owe these companies any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Solutions, LLC (KY) (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I want to dispute this debt and any other debts that should have been off my record but you continue to renew it after the statue of limitations is up. I want to kindly ask you to please go by the statue of limitations and remove this debt and any other debts I owed from my record. I want them removed from all 3 Crdit Bureaus immediately and my records cleared. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through XXXX 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? Target red card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other fee

Complaint: I had a credit card -TD  Aeroplan Signature Card , but  I closed it in  XXXX    XXXX   and never used this card since then. I wrote to the credit card company in  XXXX    XXXX   requesting closure of my account and called them also.   I have not received any communication from the credit card, until today-  XXXX   XXXX ,  XXXX  today i received a statement with an annual fee of  XXXX .  XXXX  charged to me.   I have called customer service of my credit card today, but they have refused to credit the annual fee back, despite the fact that I have never received information that an annual fee will be charged to me. i insisted that they close my account ( although i have closed it in  XXXX    XXXX   but they kept it open ) i think that the credit card is engaged in a scam to illegally keep the account open and collect annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief