milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to file a complaint against TD Bank , NA Loss Mitigation Support. I have submitted not once but XXXX XXXX pages for an application for assistance in order to save my home from foreclosure due to my exhusband not paying after being court ordered and filing for bankrupcty relieving him of all obligations and authorizing me to modify the payments to keep my home. The first time I submitted the paperwork they sent a letter of denial to my exhusband instead of me which I would not have known about if I did not contact TD directly. I also missed the appeal deadline as well because I did not receive the notification. My exhusband signed everything over to me and TD insists they do not have his authorization when in fact I sent it both fax and regular mail certified. Because of the mistake they made my home is now up for Sheriff sale XXXX/XXXX/15. I stressed to them that they are sending any and all information to the wrong address and I was finally able to get a representative to correct the address since the rep I spoke to prior to this would not do so! I want to work with TD and start paying them what is owed and what my exhusband failed to do so I can remain in my home and not on the street! I have submitted more than enough information to them to help me in my situation. They seem to constantly lose paperwork and tell me I 'm missing information when in fact it has been submitted. The more they keep doing this, the more I am pressed for time and I am running out of options!

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Optimum Outcomes called me on XXXX/XXXX/XXXX for the second time about the same visit. The first call was on XXXX/XXXX/XXXX for a hospital visit on XXXX/XXXX/XXXX that I did not receive a bill for. I paid that balance of {$94.00}. I received a call today saying that I owed {$21.00} for the same visit. I had received no written communication about this debt until today when I asked for it via email. 

I initially tried to dispute it but was told I could not. They said that the bill was entered into collections is XXXX XXXX and that the bill was reported to the credit bureaus in XXXX XXXX. I could not see this on any of my credit reports provided by annualcreditreport.com I called again to ask for this information in a written format, and they said that they would provide it. The new customer service representative told me that I could dispute it, but that it could n't be removed from my credit report unless it was paid and the creditor agreed to it. She then said that it was normal for it to not show up on my credit report because it was a basic report and that the information they reported could only be seen if you pulled a major credit report such as for an auto loan or for a mortgage. She agreed to put it in dispute for notification and then told me that if I agreed to pay, they would be able to remove it from my credit report within 30-45 days, and that they could send me a letter to dispute with the credit bureaus to speed up this process since I was meeting with a mortgage broker within a week. 

I relented because {$22.00} was n't worth it to me to cost me a potential mortgage, and I then paid, even though I still am unsure why the debt was not paid in XXXX XXXX when they told me I had paid in full for the visit. I received my letter from them asking the credit bureaus to delete the negative information, but the credit bureau dispute forms do not allow me to do so because it is not listed as any information to dispute. This leaves me under the impression that I was given false information concerning my credit report in order to get me to pay a debt that I wish to dispute and that I was not informed about until today. 

I spoke with representatives of TransUnion who told me that the information provided me online was accurate and that there were no collections on my credit report and that everything I was seeing online was the what a lender would see. This confirms for me that this was never actually reported to the credit bureaus and was just a tactic being used to get me to settle a small debt quickly that I do not think I actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX, I responded to a Citibank Gold promotional offer to open a Citigold checking account and receive XXXX XXXX XXXX XXXX provided I met certain requirements. 
I later met the requirements, and confirmed with Citibank via their online secure messenger on XXXX XXXX, 2016 that I qualified for the promotion for which I have a copy of communication. 
However, on XXXX XXXX, 2016 I received a communication telling me that I no longer qualified and would not be receiving the promotion. This was after charging me XXXX dollars in fees to keep the account open while I awaited the promotion. 
I spoke with them on XXXX XXXX and they credited my account for XXXX dollars in fees, however they could not guarantee that I would receive the XXXX promotional miles.

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 07/13/2017 about Debt collection (Medical debt) with Law Firm of Katz and Associates, PLLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I asked this company to send me some information about the bills that is owed and they did n't. They threatened to come to my place of work and told me I better take action because they were going to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to file a complaint against Equifax Credit Bureau for reporting inaccurate information on my credit report. On or around  XXXX   XXXX , I requested a reinvestigation of a dispute that I filed 45 days prior concerning inaccurate information being reported on my credit file to Equifax by  XXXX   XXXX   XXXX . The first response I received from Equifax stated that the account was verified. Next, I sent a letter to  XXXX   XXXX   XXXX  requesting validation of the debt. Approximately, thirty days later I received a reply from  XXXX   XXXX  and the account had not been validated.      XXXX   XXXX   XXXX , financed my vehicle in  XXXX . In  XXXX , due to unforeseen circumstances I was unable to make payments on the loan. The vehicle was repossessed and sold by  XXXX   XXXX ,  XXXX  or a third party related to  XXXX   XXXX   XXXX . Therefore, the Account Balance of {$11.00},  XXXX  and/or Charge-off Amount of {$15.00},  XXXX  as of  XXXX / XXXX / XXXX  reported by  XXXX   XXXX ,  XXXX  to Equifax is incorrect, because  XXXX   XXXX   XXXX  recouped part of the said debt/ financial loss when the vehicle was repossessed and re-sold to reduce or eliminate the said debt. Although  XXXX   XXXX   XXXX , is responsible for providing truthful information to Equifax, I believe it is Equifaxs obligation to consumers to validate and verify the information being reported, especially if it has been disputed. Since Equifax clearly failed to verify and validate the accuracy of the information provided by  XXXX   XXXX   XXXX , this problem has caused me a lot of   XXXX   as I am trying to rebuild my creditworthiness. For instance, I have been denied credit, car loans, housing, and possibly employment ; because of the decline in my cred it score/ FICO s core.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not get any help from EXPERIAN. I tried emailing the message below as a result of all my mailed correspondence being returned to me with the claim that their Agency thinks I am not me. They are ruining my credit and will not help me with anything. I am blocked on their website form filing any disputes on my information. I can not get help by mail. No one will assist me at all. 
Please read the following email : Sent to Experain : I just spent two hours attempting to navigate your site. At this point I have no idea if I even have an account. I can not login. I can not find my report. I can not figure out what I was charged for or how much I was charged after inputting credit card information twice. Which I also can not understand since the only reason I even started this whole process was because I was offered FREE access to my Experian report. 
Kindly explain what is going on. I need to know what I have been routed into here. 
In addition I was just declined credit due to my Experian report and I am told I have the right to my FREE report. How do I request that? I am requesting that. 
Your agency is giving me a rating that is XXXX points below all the other reporting agencies. Due to the impossibility of emailing anyone at your Agency and also not being allowed to access my online information, I can not dispute information that is obviously incorrect. Otherwise there would not exist such a large discrepancy in the numbers. 
I would appreciate any assistance your can provide on these issues. 
If you can not assist me with any of this, I need contact information for whomever can. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Money transfers (International money transfer) with RIA FINANCIAL (TX).
Issue: Other transaction issues

Complaint: USD ) on XX/XX/2016. The date of expected payment/ deposit of the USD was XX/XX/2016. I was using XXXX transfer services. I had problems in the past sending a smaller amount. ( A staff had helped me over the phone to send a previous amount and gave me the wrong info. - which I found out a week later when the transaction did n't process and had to redo it which delayed my payment further ). On XX/XX/2016, I was called by an XXXX transfer rep regarding the XXXX XXXX transaction and I stated that I had a lot of problems in the past with my personal bank and I did n't think it would work since my personal bank had to verify the account first, then may send the money. The verification process takes 2-3 business days and I would miss my deadline of XX/XX/2016 so I requested to cancel but she said I could n't cancel because I signed a " legally binding contract '' to pay for the XXXX since they " had purchased the XXXX based on my order '' at the exchange rate for the day and to cancel may incur loss. She then transferred me to her boss who said the same thing and asked that I speak to my bank. I called my bank and they said I could complete the transaction with bill pay online. I tried this and it did n't work. I relayed this info. to the XXXX rep the next day and he said that they could override their way of doing things and have the total amount direct debited from my account ( previously, they would only allow no more than {$5000.00} be debited at once ). I asked him on XX/XX/2016 to cancel it. He then stated that I would have to pay overage for the amount the exchange rate changed from XX/XX/2016 to XX/XX/2016 in the amount of {$2900.00} to cover their loss for the purchase of the XXXX at the exchange rate ( which was higher ) on XX/XX/2016. I then sent him an emailed request asking for proof of purchase for these XXXX in the exact amount that I requested on XX/XX/2016 with time stamp to prove that, indeed, they purchased these XXXX specifically for me, at the exchange rate for XX/XX/2016 - which would justify their claim for reimbursement. I have received no such receipt/ proof, yet they continue to demand I pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: I contacted a seller on XXXX for tickets to a concert on the same day. The seller was supposed to send me the tickets right after the XXXX transfer. The seller shared his details with me after I spoke to him on the cellphone. He chose to transfer via XXXX and not via XXXX or XXXX. After I made the payment of a XXXX XXXX the seller stopped responding to my texts, deleted the XXXX  post and also blocked my number. I immediately called XXXX and they said they can not help me since the transfer has already been initiated and they are not a bank controlling the fund transfer. I then called Bank of America and they said since it was a voluntary transfer they can not refund the money. They also said they can not help with any fraudulent protection and refused to refund me the money or cancel the transfer.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted Equifax and  XXXX  dozens of times about inaccuracies on my credit report. Every single time I dispute,  XXXX  comes back with different information, and Equifax just let these companies put errors on peoples credit report. These  XXXX  entries should already be deleted, but  XXXX  is reaging the accounts. They are not even submiting account numbers or date of last activity because they know it has passed the statue of limitations.   The report number is :  XXXX   XXXX    XXXX   Show Details   XXXX    XXXX / XXXX / XXXX  {$4800.00}  XXXX / XXXX / XXXX  {$4800.00} CHARGE-OFF  XXXX   XXXX   XXXX  Show Details   XXXX    XXXX / XXXX / XXXX  {$11000.00}  XXXX / XXXX / XXXX  {$11000.00} CHARGE-OFF {$15000.00}  XXXX   XXXX    XXXX   Show Details  XXXX   XXXX / XXXX / XXXX  {$10000.00}  XXXX / XXXX / XXXX  {$10000.00} CHARGE-OFF

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with Credence Resource Management, LLC (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credence Resource Mana h ad not lend me any money and they are billing me  XXXX    XXXX   XXXX

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: OnXX/XX/XXXX Elan Financial reported to the 3 Credit bureaus that I had a late Payment on my Comerica Bank Credit card.The payment was for $ XXXX.I was not late and have NEVER been late.Elan Financial did not warn me that I was late.I made the payment on the Elan financial online portal.The system had a glitch and my payment was NOT processed.When I contacted ELAN they admitted there was a problem and they reversed the {$35.00} late fee but they WOULD NOT reverse the 30 day late on my credit reports.Over the last year I have spent several thousand dollars with an attorney getting the VERY damaging 30 day late removed from my credit reports.I finally in XX/XX/XXXX was able to get the false info taken of all 3 reporting agencies.At the end of XX/XX/XXXX Elan Financial put the damaging 30 day late back on my reports.In addition I received a letter from them stating " Since I disputed there practices ... they will no longer report my credit card as a active account on the 3 reporting agencies ... ..So they EFFECTIVELY ruined my credit 2 times and even though I have a XXXX balance and a current positive account ... they wont report it as positive to any agencies.These people are savage, ruthless unethical criminals.I have done NOTHING wrong.Now the process starts over.Another year and several thousand dollars to get it removed AGAIN .... {$32.00} late payment I DID NOT MISS has cost me 50 points on my report and several thousand dollars.I am going to find a way to sue this bank in to the ground.

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 05-03-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Macys American Express card. In XXXX XXXX, I noticed that there were XXXX charges listed on statement that were fraudulent charges ( XXXX purchases from XXXX store that were shipped to XXXX, but I live XXXX ). I called Macys immediately and was told to file a " Statement of Fraud '' and send to the Fraud Investigation Department. I filled this paperwork out and faxed to Macys on XXXX/XXXX/XXXX. I followed up and was told that paperwork was received and my credit card would be cancelled. I specifically told Macys in my phone call and on the letter that was faxed with the fraud report that I did not want another card and wanted this current credit card cancelled immediately. I thought all was taken care of, but continued to receive a statement from Macys showing the fraudulent charge as outstanding, however, there was no interest or minimum payment due, so I figured that eventually the balance would be taken off since was fraudulent. 
I called Macys on a number of occasions to ask why I kept receiving this statement with an outstanding balance, and they assured me that the card had been closed out and the balance would be taken off. In XXXX XXXX, the statement started to show a minimum payment due - as if I was supposed to start making payments on the fraudulent balance! I called the Macys ' fraud department on XXXX separate occasions after receiving this statement and was put on hold and eventually disconnected. I could not reach anybody at the credit company. On XXXX XXXX, XXXX, I drove to Macys at XXXX XXXX XXXX to speak with a manager. The manager took me in a room and place a phone call to the credit department and handed me the phone to speak with the person on the phone. 
The manager left and I never saw her again. In the meantime, I was place on hold and eventually spoke with a lady named XXXX # XXXX who indicated that she was in the XXXX location. I explained to XXXX my problem, and she put me on hold for XXXX minutes. Eventually she got back on the phone and told me that I would be receiving a letter stating that my account had been cleared. It is XXXX XXXX, XXXX, and I have not received this letter, however, I just received a statement from Macys American Express with a NEW credit card account and the balance from the card that had fraud has been transferred to the NEW Account! The NEW account is showing that I have a past due amount. I never gave Macy 's permission to open a new credit card in my name and I specifically told them in telephone conversations that I did not want a new account and I wanted the old account closed immediately. I have been on some forums and realize that there are many people who have had this problem with Macys credit, and I am concerned that my credit score will be affected.

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 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Discover closed both my credit card accounts with no notice and no reason. When I called they said it was a " business decision '' and I would like my accounts opened backed up. I have a savings account with them and I feel I have been mistreated when I had over $ XXXX in a savings account for most of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

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 06/23/2016 about Payday loan () with Enova International, Inc. (WA).
Issue: Can't contact lender

Complaint: I had a payday loan with CashNetUSA online about four years ago. I had to close my account due to other issues. I did contact CashNetUSA with my updated bank information but they never updated their system. I was sent to at least XXXX different collection agencies that threatened criminal action against me. This part ended about one year ago. 

Recently I received an e-mail from CashNetUSA stating I would be receiving a refund for XXXX. I received the check dated XXXX/XXXX/2016 for XXXX from Enova. When I deposited the check into my account it was returned for non sufficient funds and my bank charged me an additional XXXX dollars in fees. 

I live in Washington State. I have attempted to contact CashNetUSA through their website but it wo n't let me log in or update my password. I have attempted to call but the customer service rep I get has such a thick foreign accent that I can not understand him. 

I am not sure if I qualify for the legal action taken against Enova/CashNetUSA as I do live in Washington State and did so when the loan was taken. I am not a member of any branch of the military. I need to know why they would send me the refund check and then not have the funding in the account to cover the checks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation