milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Credit determination

Complaint: I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with Benuck & Rainey, Inc. (NH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A few weeks ago, this agency called XXXX XXXX XXXX contacted me about some medical debt I owed. I told them I was invoking FDCPA, that they could not call me going forward, and to send the information. They stated I had to put the request in writing. I told them that FDCPA can be invoked by phone or in writing. They supposedly relented and agreed to send the information. I did get that information.

On XXXX XXXX 2018, this agency called my number again stating my wife had medical debt. They violated FDCPA by contacting my number AGAIN despite my previous invocation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, Experian XXXX, XXXX XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband

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 04/23/2015 about Debt collection (I do not know) with Allied Interstate LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for   XXXX   ... there were  XXXX  accounts on my report for  XXXX  in which  XXXX  were deleted yet  XXXX  remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,   XXXX    XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Private student loan) with DISCOVER BANK (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Discover student loans is currently the administrator of a series of student loans that were originated between XX/XX/XXXX-XX/XX/XXXX by XXXX. Over the last 6 months they 've increased my interest rate a series of times. I reached out and requested an explanation as my believe was my original loans were fixed rate loans. I was informed that I was wrong. I requested my original promissory note and loan origination documents and they informed me that they did n't have that on file and they needed to request that from XXXX. That was almost two months ago and every time I request an update, I 'm told it takes time. My issue is that they 've increased my interest rate without proper explanation as to why, and they ca n't prove to me it 's even something they are allowed to do. How is it even remotely legal for a loan company to purchase a loan and not be required to keep all of the original documentation on file?

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (MI).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: This debtors is trying to collect on a debt that was included in a bankruptcy filed XXXX years ago for a ticket issue for a house waste removable amount that I no longer own. The debtors got an illegal judgement that I never received any communication regarding a threat of wage garnishment. The debtors got my bank account information illegal without my consent and took money out of XXXX of my bank using false wage garnishment paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I initially wrote in about this earlier last year and the company has yet to reponse. 
TransUnion is listing XXXX bankruptcies on my credit report that do not belong to me. 
I never lived at the addresses where these records are found. I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX since XXXX of this year. Prior to that, I lived at XXXX XXXX XXXX, XXXX XXXX, IL XXXX for 6 years consecutively. TransUnion has been notified of this issue but refuses to remove the erroneous information. They calim they got this information from the courts, but the courts insist TransUnion has gotten this information from a third party, who fails to verify the accuracy of the record. Because of this inaccurate listing, XXXX of my credit cards XXXX XXXX XXXX Bank ) was shut down. This is preventing me from purchasing a home. The attorney recommends we sue TransUnion but this will be extremely costly to my family.

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 06/23/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Billing disputes

Complaint: We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree.  The room they booked was unfit for staying in. It was at XXXX.  They charged us and showed a prime place on their site at XXXX for XXXX a night.  When we arrived the septic field was dug up right next to the cottage they put us in.  The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove.  I have the pictures.  I called XXXX to cancel Confirmation Number XXXX.  They wouldn't because they couldn't get the managerof the place on the phone.  It stunk we were getting sick and the ad said it was airconditioned.  This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys.  We told XXXX we couldn't stay it wasn't fit they said you have too.  That's fraud they falsely advertised this place.  They wouldn't cancel we offered pictures,  we offered for them to skype in they wouldn't.  We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night,  then we went home sad and broke.  XXXX is saying they can't make XXXX  remove this fraudulent biling.  Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house.  So it's hurting our credit ,charging us money we don't have.  XXXX  He's in school getting his XXXX Degree XXXX.  He already helps XXXX and wants to help XXXX  This was his treat for 70 hr weeks,  for a year,  trying to do school and a internship so he could bless others.  We were not so upset about it happening we forgave but to charge us for this is horrible.  XXXX need to get a heart or not be used by consumers.  Also they need to be responsible and step up when their merchants commit fraud.  We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel.  The manager renting fraudulent rooms doesn't want to give up his money.  Really?  I thought XXXX were there to help us with that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: My Mortgage is owned by XXXX XXXX and serviced by Seterus. In XXXX, I would have been eligible for a principal reduction for my mortgage of {$100000.00}. We were never informed of this option for our Mortgage. We filed for bankruptcy in XXXX XXXX. Our home was in foreclosure in XXXX and in XXXX of XXXX we modified the mortgage for 45 years this is not acceptable. We should have been offered a principal reduction in XXXX. The home in XXXX was worth XXXX and we owned XXXX. Now the home is worth XXXX and we owe XXXX a principal reduction is the only resealable solution for this problem. The mortgage company will lose more when we foreclose on the home. If we get a principal reduction we can stay in the home and make payments based on the value of the home. The mortgage company will recoup XXXX. If we foreclose the bank will lose much more than {$100000.00}. With a principal reduction, they are guaranteed XXXX. please refer to Schedule A Real Property in attached court documents

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 08/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: I wish to reopen Case number : XXXX because the response by Chase was not adequate or acceptable to address the issues. Chase went into my husband 's XXXX credit report on XXXX/XXXX/2016, which was before they sent us the original refinancing documents. Then he could not access his report by XXXX during the mortgage application process to correct any problems. The original terms of the contract they sent was 3.125 % on a loan of {$350000.00} and a cash from borrower of {$7100.00}. They knew what his credit score was and lured us into trying to refinance with them. Then they pulled a bait and switch. We deserve the original terms of the documents that were sent to us. Chase does not respect its long-standing customers and dupes its clients into accepting terms that are a " bait and switch '' tactic, which should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: I have tried to contact XXXX and Experian by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card inXX/XX/2010. At one point it was reporting with all three company 's. For some reason XX/XX/XXXX deleted it and so did Experian. XXXX  is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to XXXX two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy

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 01-12-2016 about Debt collection (I do not know) with NE PROCESSING LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a " case reference '' number. Refused to give me their address after 6 repeated attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The selection above does not match my complaint exactly. They contacted me during the inappropriate hours. 

Contacted me at : XXXX on XXXX/XXXX/2016 XXXX on XXXX/XXXX/2016 In spite of the Fair Debt Collection Practices Act and the Rosenthal Act in California, where I live, receive calls during inappropriate hours. These calls can be coumented on my XXXX account. The calls were from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was contacted by the " XXXX XXXX XXXX '', XXXX, good luck with that one. XXXX XXXX, XXXX XXXX, tx XXXX was what i was given, lol. I was told up front, apparently that was a lie. XXXX for the first three months, and XXXX dollars a month or less for ten years Since I 've worked in XXXX  XXXX for 11 years and based on my income, and thanks to Obama. No mention of futher monies. I tried contacting them during the first months or upfront pay period and nothing, no return calls only a voice mail. Thank you in advance for any and all help. XXXX XXXX, XXXX. Now they are texting demanding more money and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I suddenly was notified by fifth third bank about my account being in the negative. there was no reason for the account be in the negative. I then began to question the bank on why my account was in a negative balance, and the bank proceeded to inform me that a a check for XXXX was deposited and withdrawn, then a XXXX dollar check was deposited and withdrawn, the XXXX dollar check was deposited and withdrawn then a XXXX dollar check was deposited and withdrawn, the a XXXX dollar check was deposited and withdrawn, then a XXXX check was deposited and withdrawn and finally XXXX dollar check was deposited and withdrawn from this account. 
I continued to question the customer service rep concerning these transactions and notified them that i did not authorize any of these transactions at any time. They began to inform me of an XXXX XXXX who was in newyork and said that the payment was taken from the account for medical expenses. Which I have never been to any doctor in New York for any medical expenses being taken from my account. Then another check and withdrawal was supposedly for wages earned by myself from a grocery store that I was suppose to have worked. Which I have never heard or worked at any grocery store when I was able to work, because I have XXXX which at this time of my life i am confined to a XXXX XXXX, and have been for years. So there is no way that I could have traveled to connecticut to work at any grocery store. 
I have attempted to work with the bank, but the bank is refusing to give me any information on my account. So i can see no other option but to report Fifth Third Bank to the consumer finance because of their actions and practice at this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are 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 monetary relief