milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my name is XXXX XXXX and i currently reside at XXXX XXXX XXXX XXXX XXXX XXXX.as i was reviewing my credit report i notice there are items listed on my credit report.that does't belong to me.i want to verify that my name is spelled XXXX XXXX and not in any other way.the only credit card that i had applied are from XXXX account # XXXXand XXXX account # XXXXalso.the only adresses that i lived are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are credit cards listed on the credit report that i had never applied before nor had i lived on the adress that listed on the credit report. 
please remove all other items that did n't belong to me. 
thank you for correcting my credit report. 
your help is greatly appreciated

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 01-06-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter. 
XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally. 
On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ). 
I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored. 
This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )

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 EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of  perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX XXXX

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. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It appears that my information is impacted in the security breach from Equifax. I checked Equifax 's site after their recent security breach to seen if I was impacted. In addition, I received an email from XXXX XXXX XXXX on XXXX/XXXX/XXXX saying that my account was locked for multiple attempts to sign in. I have not accessed that account in over XXXX years. I would like to file a complaint against Equifax and hold them responsible for any negative impact to my credit or finiancial state. I am contacting the credit bureaus to place a fraud alert once their sites are available ( sites are currently down due to high traffic with this incident ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NJ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX I received a letter from Linebarger Gggan Blair & Sampson LLC Attorneys at law indicating per letter I owe the state of PA XXXX Since XX/XX/XXXX. 

I attempted to contact these people but no one answers the phone. The phone number on letter XXXX ext XXXX. 

I do not know what this is all about? And I want proof from the state of PA that I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: APR or interest rate

Complaint: I have been charged interest on purchases during an XXXX month interest free period. I have spent countless hours trying to resolve this issue with American Express, but they are giving me the run around and not reversing all the charges. At this point, XXXX months of interest charges have been reversed, but XXXX months still remain. On my statements APR is still listed at 14.99 % with a purchase balance that they are charging interest on. This should be 0 % APR until XXXX 2016, which is also clearly listed on each statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

XXXX XXXX - Account XXXX This account is incorrect. 

Please Correct The Pay Status to Paid/Closed Zero Balance There is a Date Closed Date, yet its status is for OPEN accounts, and this is incorrect The remarks indicate, the Credit Line is CLOSED Please validate this account and update its status, accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: The bank keeps charging me fees of {$30.00} a month despite me continually telling them that I want a basic and not a premium checking account. This has been going on for two years.

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 01-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AK).
Issue: Account opening, closing, or management

Complaint: I have a mortgage through Wells Fargo. I lost my home due to a fire approximately a year and a half ago and have hired a contractor to reconstruct the home. While the home was under construction, the contractor " accidentally '' built the home XXXX sqft too big and insisted that I pay him for it. I explained that this is not a possibility as we did not contract or approve the additional square footage. The contractor subsequently assaulted the woman living on the property and then quit the project. He and I are currently involved in litigation but I have continued to build the house and pay other contractors to complete the project. Wells Fargo has frozen my funds which are being held in escrow and claim that I can not recoup any money which I have spent until litigation is complete. The home is currently finished and I am awaiting the final inspection from Wells Fargo. Once the contractor quit the project, I followed Wells Fargo 's stated procedure for removing or replacing a contractor and hiring a new one. That procedure being stated as a termination of contract letter or the service of two letters, spaced ten days apart, stating that the contractor is essentially owed no additional money. This procedure was followed, but Wells Fargo subsequently chose to freeze all funds remaining in escrow. I would like the bank to release the remaining funds, as I have spent more than the {$35000.00} which is remaining in escrow.

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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this information on transunion is incorrect wrong person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: I contacted my mortgage servicer to set up bi-weekly payments, which as you know can save a lot of interest over the life of the loan. They refused to do so. They will only take full monthly payments and additional principal payments. This is HORRIBLY unfair to consumers. 

Mortgage Servicer : Dovenmuehle Mortgage Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (IL).
Issue: Settlement process and costs

Complaint: I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid to the hospital by my insurance years ago. I 've tried several times to get this corrected but my attempts have been ignored. I sent verification in 2012 and was told it would be removed. Now 4 years later I still ca n't believe they wo n't remove this from the credit bureaus. How long can they continue to destroy my credit score? I 'm totally frustrated and will continue to contact my Congressman until laws are changed to prevent this abuse, both financially and mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Armada Corp. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was billed twice the normal amount for a XXXX and way overcharged for a consultation for the procedure. My insurance company would have paid all if their billing department would have billed it as my normal 10 year check up. For some reason they would not. I asked for it to be fixed they turned it over to collections. I asked to speak with the doctor about his excessive bill and he would not discuss with me. That bill was also turned over to collections. I told the collection company that i was disputing the bill by letter. They still sent the information to the credit reporting agencies. My credit has been damaged.

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 09/21/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency is attempting to collect a debt from a company/entity called " XXXX XXXX XXXX. '' I am not that company and have never heard from them. I would like this collection agency to stop sending collection notices to my home address concerning this company/entity. The collection agency has also never provide any proof as to how a company called " XXXX '' or who they are, owes any money??

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.

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 04/16/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments on a private loan serviced by PHEA ( AES ) and I have been making them faithfully without a missed month in years. However I have been paying MORE on interest than anything, AES is gouging it 's borrowers and I 'm not able to negotiate through PHEA or XXXX who owns XXXX of my loans. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Account opening, closing, or management

Complaint: I had signed up with an account at HSBC, which promised a {$350.00} promotional credit upon completing some easy requirements. The terms of this promotion are available online at : XXXX. 

I had asked if the bill pay requirement would be every calendar month or every statement cycle, and was told that it is based on statement cycle. I opened the account on XX/XX/2016 and completed XXXX bill pay transactions on three continuous statement cycles, however I did not receive any bonus. When I ask customer service about it, I keep getting the same canned response telling me the terms of the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been trying to get my loan payments to be properly attributed as Public Service Loan Forgiveness qualifying payments since XX/XX/XXXX. So far XXXX  has been able to correct most of my account and correctly note the payments as PSLF qualifying payments ( although that took 17 months ). However, I haven't been able to get an effective response from XXXX since XX/XX/XXXX, when I requested them to correct some uncredited PSLF qualifying payments and send me a report with my payment history, indicating whether or not each payment is a PSLF qualifying payment and if not then why. After following up with XXXX at least a dozen times for them to produce this report, I was told today to wait another 30 days, which would bring me to just shy of 2 years from when I first requested further information on why my payments weren't qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.

Company response to consumer: Closed with non-monetary relief