milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Billing disputes

Complaint: I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Supposedly a parking ticket is in collection with Transworld Systems, according to a recent credit report. This dates back to 2014. I have never been contacted, verbally or in writing, by Transworld Systems and only discovered his erroneous debt through a credit report. I have repeatedly called Transworld at numerous different numbers, can not reach a human being and have never received a return phone call. It is impossible to pay this bill as I can not talk to anyone what will tell me how, as I have never received a written communication on his debt or how to pay it, and as these factors make it impossible to pay. An endless maze

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Representatives advised that she was taking a payment on XXXX/XXXX/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (VA mortgage) with M&T BANK CORPORATION (TN).
Issue: Struggling to pay mortgage

Complaint: I am XXXX XXXX XXXX  and have been serving in the XXXX for 19.5 years and I have a home that I purchased XX/XX/2005. I have never been missed a payment until late last year when the tenant I had living in my home XXXX XXXX. I was trying to keep up with the payment with me no physically living in the home it became very challenging. Fast-forward I received a phone call from a mail carrier that I know who delivers mail in the area my home is in and she asked me if I knew that my home was in foreclosure and my response of course was no. I reached out to M & T bank and they said that they have been sending notices although I never received anything in the mail. I am not sure how the process work so I reached out to a real estate professional and I was informed to contact the bank again and see what the for sale date is. The bank the referred me to the attorneys who was taking my case. I contacted the attorneys who were handling my date and they emailed me the amount in arrears, the payoff amount and the Foreclosure for sale date. I have tried to work with the bank to get this date postponed as having an active foreclosure and I was told that there was nothing to do. I was told that I did not qualify for the program for military because I bought my house before the program for military was in effect. I do not want to loose my home. I am planning to move into my home once I retire which is in 1 year. I really need help with this matter. I did not work hard to keep up the payments of my home to just finally loose it without any notices at all. I hope that I can get some help in this matter. 
Thank You 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 non-monetary relief
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been put on several forbearance programs since 2009, offered no legitimate pay based off income plans, & multiple payment due date/amount mixups.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with Law Office of Rory W. Clark, APLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Yes, debt collector committed the following : " Improper or sharing of info '' as they " Contacted my employer '' w/ a Summons where I am independently contracted as a XXXX. Another independent contractor of my employer ( third party contact ) read, scanned and emailed w/ Subject CONFIDENTIAL the Summons with its entire contents ( see attachments for Summons and third party 's email ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I opened a new bank account with Citizens Bank on XXXX. I went to a branch on Saturday XXXX and deposited my check with the teller XXXX. XXXX told me I would have access to the funds on Tuesday XXXX, but woke up this morning to the check being placed on an extended hold. After calling the customer service line I was told to go to the depositing bank and that is what I did. I waiting from XXXX until XXXX for XXXX the branch manger. She told me it is not the responsiblity of the teller to advise me of the 5 business day hold and also that he is new. The responsiblity is the banker who opened my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I settled a debt with XXXX XXXX and XXXX on XX/XX/XXXX. The account is 7 years old ( it first had delinquency in XX/XX/XXXX ) and it should be removed from my Credit Report. I checked my credit reports from the 3 major credit bureaus within the past 30 days and noticed that this information still remains on my credit report. Please remove this negative account and please provide me with a receipt for that transaction that shows that I paid for this account. I never got my receipt that I called and asked this company for on multiple occasions.

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 06-01-2017 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I conta  cted New Day USA for a mortgage refinance on my current mortgaged property.
I was then called 1 m  inute later by a sales representative named  XXXX   XXXX  who asked me questions to apply for a mortgage loan with them.   First, he says " thank you for your service ''. I hate that.   After enough questions he asked to do a credit check and asked me for m y SSN.    Unfortunately, I gave  him my SSN.   XXXX  said m y credit score w as  XXXX .   After asking that only then did he ask about my employment situation and since I have n't worked for an employer in 5 months, he could n't qualify me for the loan.   I told him I have investment income ( stocks ) from dividends and I have a job starting on  XXXX   XXXX . But that was not enough. So, I asked him why could n't he have asked that question prior to running a credit repo rt with my SSN?    He said " that is not how it works ''.   Well, that should n't be how it works and now my credit is negatively affected and have not been approved for a loan.   They hurt veterans, not help them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (I do not know) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They need to prove that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with WESTERN UNION COMPANY, THE (PA).
Issue: Trouble during payment process

Complaint: I have a mortgage w ith   XXXX   XXXX   for my  property at  XXXX   XXXX   XXXX   XXXX , PA  XXXX . The loan number is  XXXX  and was originated i n XX/XX/XXXX .  It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.  <P/> I have been paying consistently on this loan and expected that it would be satisfied in   XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX  .  <P/> At the time of the loan origination  XXXX   XXXX  had a contractual relationship  with   XXXX   XXXX   to mana ge the accelerated payments. I was  not aware of this until I called. As far as I was concerned they were one in t he same.  <P/> I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only sav ed one   year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortg age.  <P/> I have issued complaints to both parties.  XXXX   XXXX  does not acknowledge any ownership in this. They believe    XXXX   XXXX   is at fault.   XXXX   XXXX   does n ot respond to the complaints.  XXXX   XXXX  has since severed their contractual relationship with   XXXX   XXXX    w hich, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it.  <P/> I will continue to file complaints un til one or bo th of these parties provide the information that I am entitled to.  <P/>  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX   XXXX   is fraudulent someone used my i.d that knew me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My student loan is due on the XXXX of the month. Today is the XXXX. So far I have received two calls today already from Navient. This happens any time that the payment is *late* ( however well within the grace period ). The first call was at XXXX XXXX my time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 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: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. 
DELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 03-03-2017 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is listed on my Credit reports. I have asked for this debt to be verified because I never had an account with Senex Services. Pursuant to the Fair Debt Collection Practices I demand validation. They 've called my cell phone numerous times but have yet to verify the original debt. This debt is listed as a charge off/collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (MO).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX I went to add a security freeze to my wife 's account and my account and they are wanting to charge {$5.00} to do this. By placing a security freeze on your credit report for Equifax and their breach is only adding insult to injury. They are looking to make millions by ALSO charging everyone affected to place a {$5.00} charge to do this. So if you have XXXX XXXX people times the {$5.00} charge, you are looking at them making an additional {$710.00} XXXX dollars to place the freeze on your account. That is bull. They should be allowing everyone affected to place a freeze on their accounts free of charge, as well as enrolling in the protection they are offering everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.

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 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to Experian in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how Experian has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted Experian once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. Experian refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.

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