milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ( 1 ) AFTER REPEATED REQUESTS FOR PROOF and RECEIVING NONE, charges ( not made by us ) are not being removed from our Target account, and ( 2 ) Negative credit notices ( from Target ) are not being removed from our credit reports. 

History : a. We paid off our Target account and quit using the XXXX credit card ( acct ending in XXXX ) in XXXX XXXX. 

b. We received a notice fromXX/XX/XXXX that a negative entry was posted against our credit report by Target. According to Target, a {$55.00} charge made on XXXX XXXX XXXX and it was overdue. 

c. We contacted Target customer service and were informed of the following : 1. Charges were made on our account on XXXX XXXX XXXX, and 2. Unbeknownst to us, our account profile had been changed such that Target would NEITHER send invoices to us via US Postal Service NOR send invoices via email. As a result of these settings, WE HAD NO NOTICE earlier than the XXXX note from XXXX that anything suspicious had gone on with our Target account. 
3. We were told that the matter would be investigated and evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. 

d. Since XXXX, 1. We have been notified repeatedly by Target that late charges have been added to the amount due, and 2. We have repeatedly contacted Target customer service, the Targets Fraud Dept and Targets Collections Dept to only be told that the matter would be investigated and that evidence of who used the credit card would be provided. NO SUCH EVIDENCE HAS EVER BEEN PROVIDED. Dates we contacted Target : XXXX, XXXX, XXXX. 

e. On XXXX XXXX XXXX, a representative in the Target Fraud Dept ( by the name of XXXX ) told us 1. that no one but my wife and I could have used charged items against the account, 2. that she was NOT GOING TO PROVIDE EVIDENCE, and 3. that we were going to be held liable for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In the month of XX/XX/XXXX ( XX/XX/17 ) I filed a complaint which was similar, if not the same, in nature as the one I am filing now. As before, I received multiple phone calls throughout the months of XX/XX/XXXX and XX/XX/XXXX, after the duration of my previously instated deferment period was to expire. I sent an email inquiring about my eligibility for a deferment, and received an automated reply back stating that they would need time to " research my account, '' whilst repeatedly calling me on whether I wanted to opt into forbearance to the point where I stopped responding to their calls. I also recently received an email urging me into opting into forbearance, which I have attached. I'm getting kind of tired of this and would rather have them outright tell me they don't check the NSLDS or XXXX unless someone with clout tells them to rather than have to file a complaint to the cfpb each time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I noticed on my credit report a collection account from Franklin Collection Service. I contacted them and requested a detailed description of charges as well as a signed document with the medical provider. The collection agency contacted XXXX XXXX Hospital and the hospital released to the collection agency a third party, my medical history, procedures, and tests without my consent. They did not send me a signed document from the medical provider. I feel that my rights have been violated. I never received a bill or notification from XXXX XXXX Hospital and this bill was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX there was a repo for a vehicle i purchased from BMW financial. I have contacted all 3 credit bureaus and alerted them that i have not made a payment to BMW since XX/XX/XXXX.  The 7th year that the vehicle should be removed from my credit is this XX/XX/XXXX. BMW placed my account in collections in XX/XX/XXXX for non payment then made false reports of payments in XX/XX/XXXX to  XX/XX/XXXX and in XX/XX/XXXX they placed it back in collections. They are trying to keep me in collections until XX/XX/XXXX which would be 12 years they would be on my credit report. 

The credit bureaus will not remove it until they say it has been in collections 7 years.. which it has..the economy crashed and i lost everything that year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with INTERCONTINENTAL CAPITAL GROUP (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX.  This company spoke to someone else not myself.   I registered my account as a Fraud victim.    They pulled the followers information.   Consumer:  XXXX XXXXConsumer Address: XXXX XXXX XXXX, XXXX, CA XXXXSS#: XXXXInquiry Date: XX/XX/2018End User/Company:  XXXX  XXXX XXXX XXXX. #XXXX/XXXX XXXX Reseller:  XXXX XXXX XXXX   You can clearly see they pulled XXXX this IS NOT MY SOCIAL SECURITY NUMBER. However it linked the my social security number I have no affiliation with these guys nor do I want a loan from New York.   I ask they remove this from all three bureaus they pulled the wrong social and it linked them my credit account therefore This is not factual nor correct they refused to remove this fron my credit file.    They have 30 days that remove this or I'll take action with all the Bureaus and I'll advertise all over forums to warn people how they pulled a wrong social and yet linked it together my account.   I demand them to remove this report !     My social is not what they have done and on file

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I opened my Home Depot CC on XX/XX/XXXX and bought {$2900.00} worth of material for my house on a 0 % for 24 month offer. I made the minimum payment in my statement until I knew I was going to pay it all off in full before the due date XX/XX/XXXX. Because I was naive to the fact it was mandatory to pay the minimum I was late paying in XXXX, XXXX and XXXX. I paid the card off In full in XXXX. It was an honest mistake and my first 60 and 90 day late payments on my credit report. I 'm asking to get those removed so my score goes back to normal so I can renew my business with Home Depot. Thanks!

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 01/21/2018 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am not aware of this debt and I should not be liable for it.

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 05-11-2015 about Debt collection (Payday loan) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on " Robocall '' and then a person answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I made my mortgage current up to the date it was sold. I was promised that my credit bureau report would be updated to reflect it was current. I sold the home this last year, which was my ONLY way to catch up, and my credit still suffers because Wells Fargo has my last report as being 120 day late which is FALSE! They falsely lead me into such a dire situation that I ended up selling the home. They knew it and now I lost my home AND my credit was n't corrected per their promise. Wells Fargo has been an absolute predatory lending institute and I 'm glad it 's FINALLY being found out.

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 07/21/2016 about Payday loan () with National Principal Group, LLC (MD).
Issue: Can't contact lender

Complaint: I received a call from a NP Group claiming I have a unpaid loan from XX/XX/2011. All information they had from me was a mix up of data pulled from my past at incorrect moments in time. This is fraudulent. I will be filing a complaint and a police report. I can not locate the vendor online and the requested validation of debt information was never sent to me. This is consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: status of my account is showing that it was written off for {$610.00} dollars and the account was paid in full and the status is not showing paid in full on my credit report

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 10/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Information that was not told to me before the student loan consolidation took took place.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Can't contact lender or servicer

Complaint: X/XX/17 Ace Cash Express said I was approved for a loan which I did apply for a few loans online. They have my bank information etc and when I did a little more research I had an email from a XXXX XXXX from Ace Cash Express. The email was coming from a gmail account not a company account. The phone call seemed odd to me so I called the corporate office and they dont have me on file. I believe I am a victim of a scam. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX , VA. I sold it in  XXXX ,  XXXX , in  XXXX , TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX  Loan acct taken off my records.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Today, XXXX XXXX, 2017, Equifax credit bureau announced that they had a data breach back in XX/XX/XXXX-XX/XX/XXXXor so. They had a tool on their information site, ( equifaxsecurity2017.com ), to see if your particular SS number and other personal information was involved. I put in my information as instructed and was informed of XXXX. Like all the other commenters on XXXX, I was just given a future date to enroll in their " credit protection plan '' for a year of free service. They expect a hard hit to their servers so I am forced to wait until XX/XX/XXXX to enroll. They said they would tell me if my critical credit data was hacked while under their care. It 's bad enough they had the gall to wait 3-5 months before telling anyone, and now no one can get any real answers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a loyal Macys customer since XXXX. Then around XXXX, I was out of work for several months due to my XXXX XXXX and was n't able to keep up with my credit card payments. When regained employment, I started making settlements with the various creditors I owed. Macys was my top priority, so I entered into a settlement agreement with them. Now, in XXXX, I am seeing that they are reporting that I still owe them {$1300.00} in credit card debt, which is not only inaccurate but devastating to my credit score.

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 12-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I have had a Best Buy Credit Card with Citibank for years. I did fall behind but caught up and have been making monthly payments on this account, trying to pay it off. Citibank continues to charge a {$59.00} annual fee and over the limit fees each month to my card. I have called them and requested they cancel the card. They are now calling me day and night, not leaving messages, just calling, letting the answering machine catch the call, then hang up, sometimes XXXX 4 times in a row. This has become harassment. They even call on Sundays all day. I was in a car accident in XXXX, 2016 which left me XXXX. I am still working as much as I can to pay off my bills but have missed a lot of time at work and therefore limited pay. ( letter attached )

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 11/21/2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Balance transfer fee

Complaint: Chase Amazon ( Chase ) is confusing its customers with balance transfer offers & purchases made on the same Chase card account. Supposedly, a balance transfer offer of % interest for a specified period of time, usually 12 months, ( with a 2 % upfront ) fee, suddenly is changed to an 18.24 % interest when both the purchases & Balance Transfer are lumped together, making void the interest free period. I am being charged for XXXX separate transactions as if they 're XXXX transaction. This is deceptive. No matter they tell you when you do the balance transfer that any purchases made, in addition to the transfer, you will be charged interest each month until t he entire amount is paid off completely. This is confusing to anyone who is not an accountant & just another way the bank is charging its customers unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY ().
Issue: Deposits and withdrawals

Complaint: I have a bank account with Wells Fargo which are charging me fees so I want to close it and transfer the money to XXXX XXXX XXXX. When I originally tried to transfer the money disappeared, I contacted them and they said a bank check was sent ( which I did n't ask for ) and that they have to request it back which is going to take 10 business days to have the money in my account. First of all why are they doing a bank check when I am sending an electronic transfer? Anyway after some time the money appeared. I tried to transfer again, then I could n't because on-line banking would n't allow a transfer then I kept at it and find away to add XXXX as a bill payee. So, I tried to send a transfer then it said I did n't have enough money, then I figured out they were taking {$3.00} to transfer to I made it less. Almost at the stage of transferring and it says I need an access code to my mobile. Well I do n't have a XXXX XXXX anymore because I am in XXXX XXXX now. I tried to change my personal details and it wont let you change the number to XXXX. I then had to contact International toll free number, then it says you ca n't ring on a mobile! So I have to find a land line to use. I find one then the guy says to me I ca n't transfer it, that he ca n't give me an access code because I do n't have any security questions on file! I just ca n't believe the hassle with this, how hard is it to get my money out of this bank and put it in another. I have many bank accounts around the world and this is the only bank that at every step is stopping me taking my own money out. Also, they keep charging me fees. It 's two months now since I tried to take the original amount out. So, the operator says I may have to do a bill payment, when I go to set it up its says I ca n't. At this stage I 'm just so angry and having sent numerous emails to Wells Fargo with no proper solution I go in and change the mobile number to my friends. Well when I go back in to do the transfer, they have now stopped this service. I am just so sick of this bank, all I want to do is take my money out and put it in to XXXX XXXX XXXX. Surely they deal with people all around the world, you ca n't tell me they ca n't transfer money from one bank to another when someone is XXXX!!! I 've never had any problems with my other banks. I want to make a complaint because from what I can see, they are holding on to my money and stopping me taking it out. I just want my money and be done with this shocking bank.

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 01/15/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: *****this is not a request to put any personal freezes or fraud alerts on my account**** There are XXXX specific items that are reporting on my credit file that are not meeting FCRA guidelines under section 609. I have continued to ask Equifax to send me the proper documentation and they refuse. The original creditors have not responded to my requests by writing and that process started back in XXXX of 2016 so enough time to respond but have not. 

1. XXXX XXXX XXXX in XXXX XXXX MN XXXX as told me on the phone that they do not have the original signed documentation for this debt of {$100.00} and yet Equifax still lists it on my credit report. They are specifically violating section 609 and no on wants to do anything about it. They have already been fined for breaking the law in the past and this is no different. This account can not be properly verified or validated and yet they keep reporting it on my credit file. 

2. XXXX XXXX XXXX is trying to collect on a debt from a XXXX XXXX XXXX. When I have reached out to this practice they can not produce any signed documents from. Also when I asked them to produce a signed HIPAA release form showing that if I were the patient owing this debt that I gave them permission to release any part of my medical file so they are technically in violation of Federal Law. Equifax can not verify this debt per section 609 with an original source document. 

Please understand that it is not my responsibility to reach out to these companies and to verify the debt. If you are going to list a negative item against me you must produce original documentation with my signature showing this debt is mine and you have been unable to or unwilling to do your job per the law.

Company response to consumer: Closed with explanation