milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 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: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX, XXXX revealed 143 million accounts with personal info had been hacked. They mishandled my information, which puts me and millions of other people at risk. On XX/XX/XXXX, I was listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I can not enroll for ID protection until XX/XX/XXXX, which is unacceptably late. I had to apply a fraud alert on all my credit reports. 

It is also scummy that enrolling on this equifaxsecurity2017.com removes me from any arbitration proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Closing/Cancelling account

Complaint: I contacted Citibank on XXXX XXXX, 2016 to cancel an account that had been transferred from XXXX XXXX as part of the Costco credit deal switch. I very clearly wanted my account closed. I continued receiving bills, but did not realize that the account was STILL open until XXXX XXXX, 2016 at which point I called Citibank who confirmed that my account was still open and confirmed that I had contacted them on XXXX XXXX, 2016, but the content of the conversation was not confirmed. There is no way that there was any confusion over what I wanted - I specifically do not do business with Citibank due to past poor experiences. Similarly, the action requested ( to close my account ) was confirmed by the customer service representative, but never actually executed. They lied to me in order and kept the account open until I realized that it was still open. Upon contacting them on XXXX XXXX, I received confirmation that my account was closed, but this was an intentional denial of my cancellation request. My request was only submitted verbally.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I call to speak to customer service I am told one thing, then a month later I started receiving phone calls and emails telling me I was in default and my wages would be attached. I called customer service again and they stated that they have no record of payments or my calls. I ask for options, I am given only one option with a flat payment. I am told I do not qualify for the non-profit employment option. I tried to file for financial hardship due to assisting a family member, I was told that does n't matter. I said I had to get a second job and the payments I was making every two weeks was not sufficient. Absolutely no help or consideration, all they wanted was information on my second job. XXXX is my college.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with CONRAD CREDIT CORPORATION (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My name is XXXX XXXX and I lived independently at the purported time of this collection, at the same address I had lived for 16 years prior I only came to know about this because I recently checked my credit and viewed a debt collection by " Conrad Co '' ( http : //www.conradco.com/ ). at which point I called them to find out more on the account. This debt appeared to have been filed in XX/XX/XXXX and resolved in XX/XX/XXXX. The problem is I was never contacted by phone, mail, email, or otherwise regarding this " collection. '' They explained that this was for a property/timeshare owned by my father, and they had sole communication with him, and ultimately settled the debt with him. I am very careful about my credit, and I fail to understand how I am severally liable, especially when I was NEVER contacted by the debt collector, OR the entity which was trying to collect on the debt??? 
I now have a negative flag on my credit, and they refuse to remove it despite their acknowledged lack of communication with me and ultimate settlement of debt my my father? 
Again, the only reason I even learned of this was because I just checked my credit. Please tell me how I can get this off my credit report, thank you most kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does not belong to me. 

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does Infact belong to me. 

XXXX and XXXX Credit Bureaus purged the above entries and removed from my Public Record on my credit report. 

EQUIFAX refuses to stating they did n't file this information the Bankruptcy Court supplies the information which is not true. I have filed XXXX disputes and talked to XXXX different people up the chain of command. My end result has been it 's equifax decision to report this information for 10 years instead of 7 years as the other credit bureaus have done. Please help me. I need to buy a home. Each employee has told me different information and they have straight out lied. If the phone calls are recorded you can hear them yourself. Your told it can take up to 30 days for the result of a dispute but the last XXXX I filed had results less than 24 hours later and I have the email to show that. My dispute case # XXXX are : XXXX, XXXX, XXXX, XXXX dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ... 

Please contact me with any question. This is a very important issue. Thank You for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX # ***********DOB : XXXX would also like to add that my credit score with Equifax has actually gone done since filing disputes as my credit score Has gone up with XXXX and XXXX . I have a score of XXXX with XXXX company and a score of XXXX with Equifax. I. Desperately need help. The reason we had to file for bankruptcy in XXXX was my husband was XXXX. It certainly was n't something we wanted to. We had no choice. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I had a insurance check that I deposited in my TD Bank checking account and once it cleared I transferred the money to my TD Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted TD Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was 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 12/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Medical) with Alorica Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Beginning XXXX XXXX I was paying back a hospital bill from XXXX XXXX XXXX XXXX through their agency, XXXX XXXX OF XXXX XXXX, XXXX. 
Almost immediately after this began, I started getting notices from a different debt collector, WEST ASSET MANAGEMENT, claiming that I owed them the amount I was paying back. 
Despite forwarding them the documents to prove they had no right to attempt to collect this debt, WEST ASSET MANAGEMENT continued to send notices and demand payment. 
As of XXXX XXXX, WEST ASSET MANAGEMENT has changed their name to GLOBAL RECEIVABLES SOLUTIONS, INC. and their calls and letters have begun to arrive again, demanding that the debt I owe XXXX XXXX should be paid through them, and not XXXX XXXX, despite my account with XXXX XXXX being open since XXXX, up to date, and active. 
This has been an ongoing issue with this company since XXXX, I do not owe GLOBAL RECEIVABLES/WEST ASSET any money, I can prove I do not owe them any money, I actually have done so in the past numerous times, yet they continue to deny this fact and continue to harrass me into paying them the money I am paying a completely different company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: XXXX XXXX here ... <P/>I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last week I was alerted by XXXX XXXX  that Transunion reported a debt collection on their credit report. The company listed is a collection agency. They name is the company seeking payment is XXXX XXXX, in the amount of {$90.00}.

1 ) I never had an account with XXXX therefore the amount is fraudulent and someone there must be held accountable. Fine, imprisonment, restitution, whatever the existing law states as the punishment.

2 ) I can not dispute the fraudulent debt owed on XXXX XXXX XXXX  site because their site isn't working. ( Multiple error messages when I try to submit a dispute over multiple days. ) 3 ) I can not dispute the fraudulent debt owed on Transunion 's site because their site isn't working. ( Multiple error messages when I tried to submit disputes over an 4 hour time frame in one day. ) 4 ) I called Transunion this morning to dispute the claim and XXXX, the XXXX  rep that answered, refused to dispute the claim.

The debt is not mine, I owe XXXX  nothing and they and Transunion should be punished accordingly in sullying my name.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the Fair and Accurate Credit Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : 1. XXXX XXXX XXXX # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since 2009! 2XXXX XXXX # XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 3. XXXX XXXXXXXX XXXX # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 4. XXXX XXXX XXXX # XXXXHIPPA Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 5.XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I received a letter On XXXX XXXX, 2017 from collection then received a phone call to my mother house not my phone number which they have access to my mom who is elderly and lives in a XXXX XXXX leaves a harsh message regarding me then On XXXX XXXX, 2017 around XXXX XXXX Pacific time I called the corporate office at XXXX ( XXXX ) XXXX EX XXXX spoke to XXXX which sounded like a man possibly giving fake names then he transfers me to another collection agent and starts arguing telling me he does n't care about the reason why I could n't pay I then ask if I can make payment arrangements he refused and told me to borrow money or get it somehow today the on a recorded line he then said I 'm refusing to pay I just told him when I could pay and starts threaten about outside agency to get their money my total came out to {$310.00} and he offered to split my payment at first then he said on his time it had to be done today I ask to receive a copy of the recorded copy of the conversation and how his business ethics need improving and how he cant be threaten or talking to consumers yelling and not letting consumers talk

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you

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 12/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Transaction issue

Complaint: American Express promised a bonus offer would be credited within 5-7 business days. American Express now refuses to honor that promise, saying that it will be 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I made a purchase on XXXX/17 through a website. The total purchase was XXXX. When i received the order confirmation from the company my address was wrong. I tried to call them and their phone number just seemed dead, it did not connect or anything. I submitted two different contact forms through their website with no response. A few days later I filed a claim through my bank which is JP Morgan Chase, they temporarily gave me the funds back and said that it would go through a 45 day investigation. 45 days came and went and nothing came of it. Last week Chase took the funds back from me and when I called them I was told that this is not Fraud because I made the purchase ( even though this company does not exist and since also took their website down ) and that the seller use XXXX as their merchant services which protects the seller and that I have no protection of my money because of that. I spoke to someone else at Chase who said that did not make any sense and they would reopen the claim. I called again today and was told that the case was not reopen they were just going through the documents again and that this was not fraud because I made the purchase and there is nothing they can do to give me my money back. They have no contact information for me to contact sqaure. There is no contact information for this company, when you google the address it is a home address.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: im receiving a letter about a debt i dont owe and i and the merchant ( XXXX ) suspect identity theft. the amount of the debt is {$1300.00}, the agency is diversified consultants inc, the agent is XXXX XXXX, their address is XXXX XXXX XXXX XXXX, FL XXXX the address that comcast found on file is somewhere in XXXX Florida . I 've never live in XXXX and i dont know anyone that lives there. the comcast account # is XXXX and the agency # is XXXX. XXXX told me to contact the ftc and file an affidavit but there website doesnt have the necessary form. it says that the link may have been moved. they also told me to file a police report. but i want to hear from you first before i proceed with that step.

Company response to consumer: Closed with explanation