milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX, I received a statement from Target stating I owed {$1000.00}. I had not used the Target card since XX/XX/XXXX and our account was paid in full, I immediately called Target. I checked my wallet and my Target card was gone. It was apparently stolen sometime between XX/XX/XXXX when I received a new card and XX/XX/XXXX when it was used. I filled out their affidavit of unauthorized use and the charges were reversed. However, Target has taken the stand that since the PIN number was used, I am responsible for these charges. This was a NEW card. I had never used it before. I have no idea how the PIN number was used. I have always signed for my Target card, I never once used the new chip technology card. I have sent t them proof that I was n't in the city where the charges were made but apparently they have n't bothered to look at the proof. They are determined to find me at fault. I did not use my card on the dates they provided me, I am \\ am not responsible for these charges and I am not going to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that Transunion about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.

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 05/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I had applied for a card to help  my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on  XXXX   XXXX   XXXX  I receive a letter with WRONG date (  XXXX   XXXX   ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and with my credit union  XXXX   XXXX   XXXX  with limits of  XXXX  and Up.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Since XXXX, I was starting to sign up for financial aid. They had asked me if I had a co-signer to start. I told them numerous times that I have no one helping me. They lured me with words that seemed like it would help me, since I am a XXXX. Well I was able to go to school, But then I noticed that I am getting calls from debt collectors that I owe them money because I signed up for a loan. I told them many times I never signed for a student loan because I had no co-signer. Since then, I ca n't go back to school because of a default of something I never agreed to. The school is called the XXXX XXXX XXXX XXXX XXXX, but now called 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 07/28/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Nation Star mortgage is adding fees for inspection and other fees that they do not make the customer aware of and will not waive the charge. There is not a notice left on your door when an inspection is done and why is an inspection being done if I live in the property. The other fees added are unexplained. Letter attached of Nationstar response.

Company response to consumer: Closed
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

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 06-12-2015 about Bank account or service (Other bank product/service) with Credit Technologies, Inc. (LA).
Issue: Account opening, closing, or management

Complaint: Credit Technologies inc improperly an inquiry on to my XXXX and XXXX credit reports without my permission and when I contacted them they could find no record of me. I explained to them it was most likely related to fraudulent activity and want it removed to no avail. some on was trying to obtain credit or a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please see attached letter to Experianand documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Each month, I pay more than what is owed on each of my student loans ( XXXX total ). It was my understanding that any payment in excess " unpaid interest '' would bee applied to principal for each. However, it appears that a large portion of excess payments made on all of my loans ( going back months ) have gone to interest that exceeds the " unpaid interest '' at the time of payment. As such, it appears that my principal balances should be lower than they are. I have never paid late, so no additional fees have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted paperwork for a loan modification on my home. All paperwork was excepted. I was then told that all that was needed was my bank statements. I sent the statements four times on the fourth time I was told that the statements was excepted and that it would be added to my modification package. I received a letter from the company ( Salene Finance ) on XX/XX/XXXX that I had until XXXX XXXX, 2015 to have all paperwork in. I called Salene and was told the sale date ( XX/XX/XXXX ) was placed on hold because of my being in the modification.I called three times XX/XX/XXXX to check on the modification and was told that it was being reviewed or that it was in under writing. I received a letter on XX/XX/XXXX and was told by a foreclosure Attorney for Salene that the house was sold on XX/XX/XXXX. I have not heard from salene as to what happened with the modification. I am now being evicted from my home. the home was sold back to salene. 
I want to stay in my home I have been in this house for 9 years, I would like to have the modification that was promised to me. The have offered cash for keys XXXX and 30 days to move. I am XXXX and have no where else to go. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (DC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In response to a promotional offer from American Express and Delta Airlines, I applied for and received a Delta Sky Miles American Express card. The promotion promised a {$50.00} credit on the American Express account and 30,000 miles on my Delta skymiles account, so long as I spent {$1000.00} within the first three months of having the card. I received the card on XXXX XXXX, 2017. I charged over {$1000.00} in the first month and paid that amount in full when I received my first statement. When I did not receive the promotional benefits after I paid the first statement, I contacted American Express. I was told that there could be a several week delay in getting the benefits but that the latest I would receive them would be 3 months after the activation of the card. After 2 months and still no benefits, I called again. The customer service representative assured me that the benefits would be applied no later than XXXX XXXX. When I still did not receive the benefits, I called American Express again on XXXX XXXX. At this time, I was told that the matter would need to be sent to the escalation department and it could take another week or so to resolve. There is no reason that a consumer should have to contact American Express multiple times in order to receive a promotion that American Express and Delta committed to providing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Mobiloans, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: getting calls from a company called XXXX about a debt I do not owe. my id was stolen and a police report was filed with XXXX county XXXX pd. ive tried to expain the situation to this company and have failed. they have now started calling from a XXXX number with different area codes to harass and threaten me. they say they are not governed by us laws and call 6 to 12 times a day.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We held a mortgage with XXXX for many years. My husband XXXX became unemployed in XXXX XXXX. I am on Social Security XXXX. XXXX offered an Unemployment program that allowed deferment of our mortgage payment until XXXX became employed again and they were offering a mortgage modification at the end of the program in XXXX XXXX. The mortgage was transferred to Fay Servicing on XXXX/XXXX/XXXX. 
We filled out Application to modify the mortgage with Fay Servicing on XXXX XXXX, XXXX after speaking with the service representative weekly. Aside from the odd request for additional information I was told that we would be contacted on their decision. 
XXXX became employed again on XXXX XXXX, XXXX and we sent in the requested documentation. 
I got a letter from the debt collection company dated XXXX XXXX, XXXX that told us that we had 30 days to dispute the debt and when called they said we had to call Fay Servicing that they only followed the instructions from them. I talked to the Fay Servicing service rep on XXXX XXXX, XXXX and he told me only then that the original application had been returned as incomplete and that they had new procedures for applications and for us to submit a new application with supporting documentation. There was no reason for not receiving any notification that the application was returned. The new application and all supporting documentation was sent to them on XXXX XXXX, XXXX. 
Today XXXX XXXX, XXXX I received a certified letter from the debt collector that was an Acceleration of the Debt and that the property would be foreclose on XXXX XXXX, XXXX at the courthouse in XXXX, TX. 
We feel that we have done everything that we could in good faith with Fay Servicing and want to file a complaint against them.

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

Complaint: With the Equifax hack, there has been no way to contact the company after told I MAY have been involved in the breach. They have made no effort to contact me to tell me if I was or was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX of 2018 I was contacted by the debt collectors, Coast Proffessional Inc, about a payment arrangement to settle my defaulted student loan. I agreed to the terms and the payment plan which was {$37.00} a month and they would stop my paycheck garnishment and get my loan out of default. Despite our agreement Coast Proffesionals Inc took my Federal income taxes of {$4300.00} even with me paying my {$37.00} a month as we agreed. I am a single mom who has lost her job as of XX/XX/2018. I have no other way of supporting myself and my child. I called Coast Proffessional Inc and discussed this with a manager. He let me know that I should have received a notice that this would happen but with me telling him I never received such notice, all he could do was be rude and repeat that I was still in default even though I am on a payment plan. As I stated above, I am a single mother with no income. My daughter is still in diapers, needs food and is starting school soon. It is not fair to leave us stuck in this bind without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates is a debt buyer/collection agency. They have listed themselves as a debt buyer on all XXXX of my credit reports but under the status section they state that this collection account is past due as of XXXX 2015. They appear to have provided incorrect information in an effort to " park '' themselves on my credit reports. I do not have any accounts with these people. It appears they may have taken information from an original creditor and attempted to make it their information. This is deceptive reporting practices and they have no right to claim that I owe them when I have no contract at all with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a government loan for school ( several ) one of which they were trying to collect for a school that I did not attend and they did not have a signed promissory note for. I consolidated my loans in XX/XX/2016 and they were paid by XXXX. then they decided to take the loan out of consolidation and send it to collections. The federal student loan informed me via phone that they are aware of their mistake and that they would fix it as soon as possible. they even sent me a letter that states that i was not in default and that i did not owe them money. This was also needed as i was purchasing a home and would have an FHA loan. they corrected it. Only then to reverse it and put it back to collections again and then they also proceeded to garnish my wages ( to date in the amount of {$4000.00} ) and still reported to the credit bureau that I was in default. XXXX confirmed that they have already paid that debt. the federal student loan also refunded me 2 checks of refund that they have garnished from me ( the first 2 payments ). They keep telling me that they are " sorry for the inconvenience '' but as of today if they don't correct this issue my Home loan company is threatening to reverse the loan as it is a government loan and they do not approve people who are in default on another government loan. I NEED HELP TO FIX THIS ISSUE STAT. this has been months and months of a nightmare. also when i asked for the promissory note for the school that I did not attend they mailed me a copy with my name typed in the signature box.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: I received a fraudulent charge of {$2.00} on a Macy 's credit two months AFTER canceling the credit card. I tried calling the customer service for hours on end. Could not get a live person. I tried every number, every extension possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. SW Credit Systems L.P has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

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 Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX XX/XX/2018 Experian has on my credit report 2 of the same address which there should only be 1 not 2 duplicated address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa 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 non-monetary relief
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/21/2015 about Debt collection (Medical) with Allied Collection Service, Inc. (Indiana) (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: received collections notice from Allied Collections agency about ( XXXX ) medical bills. I received this notice on XXXX/XXXX/2015. The letter was dated XXXX/XXXX/2015. My attorney sent dispute letter to collection agency on XXXX/XXXX/2015 one day after I received it. I have attached that letter. They asked for verification and itemized details of the charges. This collections debt showed up on my credit report in XXXX and it showed that it was XXXX reported in XXXX 2015. They had never sent verification of the debt to my attorney before it showed on my credit report and still have not. Their illegal reporting of this debt damaged my credit score and credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Payday loan) with Risecredit, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: They purchased debt that was over 7 years and and already taken off my credit report. They are putting it on my credit as if it was new debt. They are trying to collect the funds for another 7 years.

Company response to consumer: Closed with non-monetary relief