milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (IN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Due to job loss, we fell behind on our credit card payment to XXXX XXXX XXXX  ( " XXXX '' ), which then caused XXXX XXXX XXXX XXXX " XXXX '' ), a collections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by XXXX that we would have nothing bad on our credit report. XXXX lied to us, as they put a judgement on our credit reports. <P/>We read that the CFPB last week filed a lawsuit against XXXX for fraud and deception ; which is one of the reasons that we are filing this complaint. <P/>After we found out about the judgement, we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in Indian, and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, XXXX did it anyway. This seems to be an unfair, abusive, and deceptive business practice by XXXX. <P/>When we told XXXX and XXXX that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to XXXX XXXX XXXX XXXX ( " TD Bank '' ). TD Bank has done nothing to correct this problem, as the employees of XXXX are still servicing the account, and rely on XXXX for legal advise. So they continue to cover this up, and have done so for many years now. <P/>Now that the CFPB has taken action against XXXX, this would be a good time for the CFPB to investigate this matter, and take appropriate action against XXXX, Target, and TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with ERC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX for 9 yrs of my life. My identity was stolen. I keep getting calls from collectors trying to get me to agree to accounts that do n't belong to me and harassing me. Im not going to agree to anything if they dont belong to me. I will go to court if you need me to. But this has make my life a nightmare. Now I have costudy of my daughther and because of my credit I cant get a desent house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Real Time Resolutions, Inc. (CO).
Issue: Struggling to pay mortgage

Complaint: Real Time Resolutions ( RTR ) currently claims they hold the collection rights to my HELOC. They claim that the total amount due is {$88000.00}, but I disagree with that figure. They have refused to provide accounting records to prove up debt owed. The balance on the debt was {$44000.00} a few years ago, so there is no legitimate way the debt could have grown to to the alleged {$88000.00}. I have demanded the accounting ledgers via Qualified Written Request ( QWR ) and RTR has failed to respond. Per RESPA law, RTR is required to respond with clarity to any QWR per 12 US Code 2605. RTR has also claimed that corresponding interest rate is 12 %, but has failed to provide valid proof of the rate. Based on the original mortgage note we signed, the interest rate was 4.5 %. I feel cheated and deceived by RTR and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted XXXX that I would need to end my service agreement because I was in a car accident and wouldnt be able to work. At the time they agreed that they wouldnt charge me a cancellation fee, and to return the equipment. I did. The bill was gone over to me at around a {$300.00} balance, which was the final bill.They also said I was billed for months after I cancelled due to not returning the equipment, and when it was returned i would be credited. They told me someone would be calling to collect. I wrote to them on their boards plus called a million times over, to adjust what was promised. Then, all of a sudden the bill got larger then what I originally had. They said that I didnt return the equipment and had to open up an investigation. I did return the equipment, and had the drop off confirmation very early on in this whole roller coaster. So they adjusted the bill again. Then I called to pay it and the bill went up again, this time with bogus charges that they placed on my billing plan saying I was charged for things that were not a part of my plan to begin with. I have told them I am fine with paying what was promised but they have added {$300.00} in plus fees amounting to a {$550.00} in collections, when my monthly bill was up to date and only a measely {$70.00} to begin with, I have had promised phone calls back from management, and they never call. Plus the waiting time to talk has been well over an hour every time with never any notations added to the account as promised either. Which is very unprofessional to have to go over the case each and every single times with promises to resolve and its left unresolved. They promised me my account would be credited properly as well as no fee for canceling the service since I was in the hospital, and they re-nigged on the entire agreement and now their collection company is reporting to my credit causing havoc and un-allowing me to obtain financing. Its wrong and unfair to do business like this. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I moved out of apartments called XXXX XXXX in XXXX Wa, we did a walk thru and everything was fine. I found out later that they put false charges on my credit of over XXXX and reported it to a collection agency which they added interest on it for over 7 years. When I did found out about it I took them to court immediately. The judge ruled in my favor and demanded that XXXX return my security deposit. The judge also stated that I should try and have this removed off my credit. XXXX XXXX XXXX has been doing this to low income families since the year 2000 they have lot 's reviews on there website stating that this is what they do. I would like this removed off my credit please. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with Jacob Law Group, PLLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST XXXX XXXX XXXX. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM JACOB LAW GROUP , PLLC. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I worked on my credit report. I had collection deleted from my TransUnion, XXXX And XXXX. I had XXXX collections that was removed and deleted. But the credit agencies reinserted them again.Pursuant to sub paragraph ( A ) the information may not be reinserted in the by the consumer reporting agency. Unless the person who furnishes the information is complete and accurate. Notice to Consumer, If and any information that has deleted from a consumer file pursuant to subpar graph A is reinserted in the file the consumer of reporting agency shall notify the consumer of the reinsertion in writing No later than ( 5 ) business day after the reverting or if authorized by the consumer for that purpose, By any other means available to the agency. I was n't provided in writing about the reinsertion..

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 06-07-2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problems when you are unable to pay

Complaint: I contacted USAA regarding a past due auto loan and advised I would like to voluntarily surrender the vehicle. USAA mailed the form to complete the repossession process. I completed the form and faxed back to USAA. I followed-up with USAA and they advised it is not cost efficient to repossess the vehicle at this time. They instructed me to write a letter of consideration to release the title for {$0.00} contribution. I faxed the letter of consideration to release title on XXXX/XXXX/16. I have called USAA multiple times and have been placed on hold for 30 minutes at a time or transferred to departments that are unable to assist me with my issue.

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 01/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX Mortgage alleges a foreclosure sale took place, however, is unable to produce foreclosure sale documents, an auctioneer name, an auctioneer license number. HSBC Bank USA , N.A . and XXXX XXXX prior to these incidents admitted in United States v. XXXX XXXX XXXX ( XXXX. ) that consumer was discriminated against which consumer was overcharged broker fees and rates. Subsequently, XX/XX/2016, XXXX XXXX in the XXXX v. XXXX XXXX XXXX XXXX Case No. : XXXX notified the United States District Court of XXXX that consumer was also discriminated against when the mortgage company charged excessive fees. Upon force consumer was removed her home without proper documents and remain an interested party in the property known as XXXX XXXX XXXX XXXX, XXXX XXXX. Consumer is the legal owner of the land and the land deed is attached. HSBC Bank USA , N.A . plead guilty in a XXXX Federal Court. Consumer invested approximately XXXX into a {$160000.00} mortgage and there have multiple forced attempts by lawyers and judges to sell the property or they will impose sanctions, XXXX. There are threats to destroy her career and continuously hold her property until she signs documents releasing her interest. The consumer is attempting to coordinate removal of the structure at the expense of XXXX XXXX with clear indication of previous and current injuries. Removal of the property still does not release interest as again the consumer invested {$140000.00} into that property and in a separate transaction, the consumer paid {$14000.00} for the land plus other cost and fees in preparation of the land to build the home on. Cost of removal is approximately {$35000.00}. Quit Claim Deeds attached reserves all rights. XXXX XXXX is the proper lender in this matter. However, it appears that the attorney ( s ) are hiding their claim and interest to the property under HSBC Bank USA , N.A . accounts because HSBC Bank USA , N.A . denies consumer has any accounts with the bank. 

Social Services will need to be contacted as the individuals involved has shown a blatant disregard for the care of their children as well as consumers they have come in contact with by evidence of a XXXX complaint in which another consumer was forced into an agreement after these individuals provided substandard services, products, and withheld their funds. These individuals do n't have any legal contracts with anyone.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I have contacted XXXX several times to get these unknown credit inquires from my report because they are not accurate. I have been really nice to them explaining what happened and they were not willing to listen to me. I have explained to them that none of these companies have a credit application on file for me. My contact number is XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address 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 02/21/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have many new accounts with XXXX XXXX. And just a few weeks ago the Bank closed all my accounts, I then received several letters in the mail, each letter was identical in its explanation. The letter pertaining to one of my accounts said that my account was closed for Dishonored payments on other accounts. All of the letters stated the same thing. However I was a victim of identity theft and fraudulent accounts were opened in my name at the same Bank. I reported these fraudulent accounts to the Police, FCRA, Attorney General Office, and the Federal Trade Commission. 

I have never had a dishonored payment on these new accounts. Since these accounts are new I never even received a billing statement or due date. However I did make payment on accounts that I did use, example my PayPal extra master card. I paid it in full and that was the only account I got to pay that hat a due date. 

This company is getting these accounts confused with the other accounts that were fraudulent. This company has totally destroyed my credit report and score. I have every documented letter from the fraudulent accounts that this bank sent to me. This company asked for many different pieces of identity to mail them. I complied and mailed them all documents. Apparently when they received my documents I was told by another XXXX  Specialist that they were confusing fraudulent accounts with my current accounts. My current accounts were never late and again I just opened these accounts a few weeks ago. Even before I got to use some of these accounts the bank put a temporary block on my account. 

This is really ridiculous and what they did to me, and how they clearly destroyed my credit reports. This company has made so many mistakes. Mixing up closed accounts and saying I dud not make on time payments, I have evidence and recorded conversations from Their XXXX   team stating I do not have any billing statements yet, I also have proof from customer service along with names, dates times and phone numbers. 

I want this bank to fix my credit and reinstate my credit, or fix the mess they made on my credit reports

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 07-07-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I signed up for a " Free '' credit reporting trial with XXXX  months ago. When I signed up, it said just call to cancel. I have tried to call every month to cancel and have been unsuccessful. Experian has you on hold and never picks up. Today, after being on hold for 14 minutes, someone picked up then transferred me to another line where I sat on hold for another 15 minutes. Someone finally picked up after I had been on hold for 28 minutes and I was able to cancel the membership. Experian allows you to update your payment info online but wo n't allow you to cancel the service online. They provide you with a phone number to call but then never pick up. Meanwhile, your credit card is being charged every month. These practices are unfair to consumers.

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
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed. 

I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service. 

The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 

Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide. 

I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dynamic Recovery says I owe XXXX XXXX XXXX Hospital {$760.00} dollar for a medical bill. I called XXXX the Collections agaent at XXXX XXXX XXXX Hospital and I do not owe them any money, and she stated they have never used Dynamic Recovery to collect a past owed debt. Further research online on the XXXX website flags them as a fraud company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I wrote a certified letter to Transunion XX/XX/2015. As of this date - though they have been very helpful in my attempts to correct other elements of my credit reports, Transunion continues to list addresses that have nothing to do with me. 
They are part of the identity theft while I was out of the country. 

Kindly help to encourage Transunion to respond to my pleas.

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