milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Money transfers (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (SC).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I previously complained and was informed the case was closed : Case XXXX with the CFPB. I was told my phone number was on the " do not call '' list BY Comenity Bank. 
At XXXX, XXXX XXXX, XXXX, I received another call for the woman noted in the previous complaint : a woman I do not know, have never known, and who has never, to my knowledge, had my phone number. I 've told the bank this on several occasions, yet they continue to call. The woman who called this morning said " no one informed us of that. '' I would appreciate your re-opening this case and insisting that this bank stop calling me. 

Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was contacted by synchrony credit in XXXX of XXXX claiming I owed a debt on a hearing appliance. I purchased the XXXX  XXXX and made payments for about 1.2 years ... during this time the XXXX XXXX failed repeatedly and was forced to return them for repair. On the last repair made the company failed to return them to me, I do n't have the appliance and have not received any credits for the failed devices, this debt is not owed as the contract is void for lack of merchandise and canceled..All was automated payments through the bank debit card and not through received statements. 
I never had a contract with Synchrony Bank and when i wrote to them asking for copy of the contract and proof i had received the XXXX XXXX. The XXXX XXXX had to be re molded three times and each time they did not fit, therefore i stopped, and never received the hearing aides. In the meantime this contract was sold to Synchrony Bank and they were not aware of the issue that hearing aides never correctly made and the contract canceled. Synchrony bank had written asking for copy of my bank information so as to charge me for XXXX XXXX i never received, and i refused to send to them because i had no contract with them, never purchased any hearing appliance with them. Then i found out i had bad rating and collection account when applying for loan. I sent them mails with return receipt, they did not respond the credit reporting agencies did not respond. Finally after several years, today i am told after filing another complaint on line with credit reporting agencies that they will not follow through because Synchrony Bank information is correct. I have never had information from Synchrony Bank, they have never answered my request for copy of contract or proof anything was ever sent to me, either through the credit reporting agencies or directly with Synchrony bank. Please advise if i need an attorney or you can help resolve this fairly

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from transunion credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and transunion. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however transunion just keeps updating it and not deleting it off my report along with XXXX  it is still reporting.

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 06/25/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We are currently in XXXX Court ( next court date XX/XX/XXXX we filed XX/XX/XXXX ) finalizing our payment plan for a chapter XXXX bankruptcy. During this time there is a stay in place and American Express who sued us last year ( before we filed ) went ahead on Friday XX/XX/XXXX and took our Tax Refund and other money from our bank account, every cent we had, money meant for our mortgage and property taxes, bills and groceries ... every cent {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have submitted a police report number filed with the XXXX XXXX Police Department ( Report # XXXX ) as requested by the Collection Agency filing the inaccurate information with the Credit Agencies. I was given an email to send the police report information to and I received a read receipt confirming that Central Financial Control received it and read it. I was plainly informed that the false information would be removed from my credit report shortly after filing the Police Report. Yet I have waited for over 3 months with no change to my credit files.

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 01/24/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint against Chexsystems cause they have been reporting an ID theft charge off 's on my report and they have hindered me from being able to open a bank account. My report is showing charge off 's account with XXXX, XXXX, and several inquiries. The only inquiry that should be showing on my chexsystems is a XXXX XXXX inquiry which is how i found out of the fraud on my report. I need this removed from my credit report immediately. I am providing the police report that i filed with the XXXX county sheriff 's office,

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 02/14/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: We filed for chapter XXXX bankruptcy inXX/XX/XXXX.  Since that time the mortgage servicer stopped sending me monthly statements showing the dates my payments were received and how the amounts from each payment were distributed. I attempted many times via phone call, email and letter to resolve this. They stated that since we were in bankruptcy they were not allowed to send us any billing information, even if we requested it. They would also not contact me for any reason. If i called and asked for a return call they would not respond, when I asked for them to send me a document showing how my payments were posted they would not respond. My attorney and I both sent letters giving them authorization to call, mail or email me so they would be exempt from the bankruptcy rules and they refused. The court agreed to exempt my first mortgage from the bankruptcy so we had to reaffirm the loan at the beginning of the bankruptcy and we made the payments to the servicer ourselves, not through the trustee. With this information their representative told me that no one is able to exempt any creditor from a chapter XXXX bankruptcy and that it was my trustee that made the payments. It was not the trustee. Finally about one year ago they sent me documents showing how they had applied my mortgage payments over the preceeding couple years. It was a spreadsheet that any average consumer would not be able to interpret let alone an accountant. Since we filed for bankruptcy in XXXX they had referred our account to their " bankruptcy department ''. Whenever we would call we would have to wait to be transferred to their bankruptcy department which is not their regular customer service group. In every attempt to reach our account representative we would have to leave a message and would not receive a call back. They also restricted what we were allowed to do on their website such as not being allowed to make payments online or download statements that showed how they had applied my monthly payments. 
The last time i talked with the account representative he stated that in order for them to remove us from post bankruptcy status and restore everything to normal which includes sending complete monthly statements we would have to provide another reaffirmation. They have been informed that the court does not require other than the first letter at the beginning of the bankruptcy as my lawyer has indicated and yet they still tell me I and my lawyer are wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Medical) with TRINITY HOPE ASSOCIATES (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I created a medical bill late XX/XX/XXXX at XXXX. I paid them directly on XX/XX/XXXX. I began receiving harassing phone calls and letters from Trinity Hope Associates in XX/XX/XXXX to which I responded that it was already paid to the physician, but they refused to believe me. The Physician sent them records to prove this. Then things were silent, but now in XX/XX/XXXX I started receiving calls and letters again. I called them back and yet again they were quite rude and demanding payment. It took me a while to connect the details of this ( as they said it was from 3 years ago ). But I told them I am sure it was paid. They refused to give me the proper name and contact information of the physician group. Representative XXXX said " look it up online yourself ''. She also said I was reported to the credit agencies and I should " look that up yourself ''. She also threatened to send me to another collection group and report me again. The letter states I would hear from an attorney. Without the proper information this took quite some time, as my personal documents from XX/XX/XXXX have been destroyed. Nonetheless I did get to the right medical practice and they again assured me that this bill had been paid directly to them in XX/XX/XXXX. They assured me that they already told the collection agency that the first go-around of this, but they would send them the information again. They also said they would inform the credit agency to undo my negative credit reporting. I called back to the collection agency to let them know and they insinuated I was lying, demanded again for payment, and she was quite rude again. I informed them I was going to report 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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.

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 11-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient states that there is options for repayments on my high loans. When I called they claimed there were no options for me. When I stated that their site stated that Navient offers repayment option and that I needed to call, I was informed that I was mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. 
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Application processing delay

Complaint: I called Bloomingdales to follow up on an application to upgrade my Bloomingdales Store Card to the Bloomingdales American Express. I had not heard from them in about a month since working with a manager and some online department for an application that seemed to freeze in their system. I was transferred to credit and she said she could reconsider the application and placed me on hold ... shortly later she came back and said it was declined and she could not do anything. I asked what credit report they had used last month and she said no, I pulled a credit report today! I said, WHAT? You NEVER mentioned pulling credit today and I did not agree for credit to be pulled today, you all have been working on this application for over a month and that is not my fault. So I asked her to recode the pull a Soft pull or remove the hard pull because she did not have my permission to pull a new credit report. She stated matter of fact and defying " That 's not going to happen! " I 'm appauled that these banks just do what they want and damage consumers credit reports and then give us higher rates and deny loans because of all the actions they take with pulling credit all the time and such ... Macy's/Bloomingdales is # 1 Preditor for doing this, all you have to do is head over to any one of the credit boards like XXXX and you can see post after post of consumers ending up with hard credit pulls from Macy 's and Bloomingdales with NO communication or permission that it was going to happen. They need to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i have through cfpb complained about how this company manipulates my credit score to no avail the do n't even response to my complains my credit score with them on XXXX XXXX was XXXX today XXXX XXXX its XXXX with no changes what so ever on my credit history please stop them

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation