milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: I had a basic checking account with T.D. Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from " XXXX '' which claims that my account at TD. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of TD. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by TD.Bank for the overdraft. I really feel like both TD. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am having difficulty disputing wrong information on my Transunion credit report. It gives direction to make disputes online. It will NOT let me dispute online, information will NOT go thru. I called the  XXXX  number to dispute the report as instructed. The foreign speaking rep tells me he can only answer questions he can not fix anything. He then refers me to  XXXX   XXXX . I called and to my disbelief the exact same gentlemen answers the phone telling me the exact same thing that he can only answer questions. He tells me I can talk to consumer monitoring service. I insisted I do not want consumer monitoring service, I want to dispute my report info. After arguing he connects me with the surpervisor  XXXX  who tells me to call the same number he just told me.She tells me to talk with consumer monitoring service and they can change my info. She says I can not access online because I dont have any credit or loans out.?????? She tells me to call same number he did. She connects me with credit monitoring service. Customer service answers tells me she can not help me I have to call the number I already did. So she says she will connect me. Phone loop starts and then tells me I made to many attempts and hangs up

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a XXXX balance when stolen, the person ran up 1600+ worth of charges XXXX / XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: EQUIFAX HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EQUIFAX ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with MIB Group, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a dispute with MIB because it is reporting incorrect information in their file they sent me a letter claiming the member company with them supposedly did a reinvestigation and sent me a letter claiming why they cant remove the incorrect information but as to date XXXX/XXXX/2015 no letter but I got a XXXX opinion and told I did not have that condition so I gave them all the information they needed to contact to verify information they never contacted them so they never done a reinvestigation as claimed also they MIB are giving out my report to companies with out my permission or knowledge claiming was some body else and sent wrong file not once but XXXX .The attached item noted was self reported to them never got any records so these are false. Also attached letter sent claiming they done reivestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I transferred ( Wire Transfer ) money from XXXX XXXX XXXX on XXXX/XXXX/XXXX to Coinbase, Inc amount of XXXX USD. The Money was transferred same day from my bank account. I have contacted the recipient through there web site asking about the status of the transfer. I have requested them 5 to 6 times in past 5 days. They responded for my 1st request asking the Federal Reference number for the transfer. I sent the required details, but till date no response from them. The CaseID with CoinBase Inc is XXXX. Attaching the Email exchange and Bank Statement ( To Confirm the money was transferred from my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with FirstKey Holdings, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I use a bill pay service. They send my payments so that the mortgage company receives them on time. My current mortgage company is I 'm sure holding my payments. They are n't cashing the check for up to 3 weeks after bill pay says they received them so they are late every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: {$1000.00} Called and kept saying they would take legal action numerous times before even asking to set up payment arrangements. Was verbally abusive.

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 02-10-2017 about Debt collection (I do not know) with Credit Solutions (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Solution Has called me 8 times since XX/XX/2017. I know they have called me many, many times before that. Even after I have told them that the person does not live here. I do n't owe anyone money. This is harassment and I want it stop by any means necessary.

Company response to consumer: Untimely response
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information is from my father 's accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 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: Previously disputed a Chapter XXXX   bankruptcy reporting on credit report.  Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted.  Credit bureau responded that investigated and found information to be accurate.  However, credit bureau has not and continue to omit any requested documentation proving verification.  I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX  has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX put a collection on for a 10 year old XXXX bill that I do NOT owe. I challenged the collection through Experian which is the only reporting agency showing the collection. XXXX sent me a letter asking for more information so they can help me with the dispute, which clearly shows they do NOT have the information needed to verify the debt to the reporting agencies. XXXX never responded to Experian, however Experian left the account on without updating, showing that the account is in dispute, it has no payment history or correct information as required by the FCRA to report on my credit. Experian is obviously allowing the miss-reporting and XXXX is blatantly using my credit report as a collection tool for a debt that is not owed. This is causing my credit score to be XXXX points lower than the others and keeping me from getting the approval for a home loan. I implore your help with getting this matter resolved in a quick manner. I am having the same issue with Enhanced Recovery as well regarding a XXXX XXXX collection for equipment that was returned long ago. Once again I disputed the account through Experian and they did not update or were they able to meet the FCRA requirements to be on my report and they are violating my rights as a consumer. Once again I ask that you help me with this matter. I have complete faith that you will get this resolved for me. I have attached the dispute results from Experian. Lastly XXXX, again is only being allowed to continue its erroneous reporting on Experian. They have not responded nor updated since XX/XX/XXXX and I have disputed the paid in full account 3 times in writing by certified mail with Experian and still they have not updated or removed the account. I have asked them to validate their verification of the debt and they have ignored my request and only send the same response that ignores my legal request as a consumer. They are obviously disregarding the law and your authority by doing this, as well as my credit reporting rights. Thank you in advance for your time in handling this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (FL).
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: My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is Pinnacle Credit Services. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I went to experian.com to recieve my credit report. It showed that I would be charged {$1.00} to receive my credit report I was not told that I would be signed up as a paid experian member and would be billed monthly for services I did not know about or intend to use. I called experian to find out about these charges to my debit card and they told me that I should have read the fine print of the terms and service agreement. This is a scam. Experian does not notify you when your free trial is going to expire and you will be billed. They will not refund my money. Advertising that a credit report is {$1.00} and then signing people to be billed {$21.00} dollars every month without telling them is predatory and just plain wrong.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I attempted to file a dispute with ARS Resolutions on  XXXX   XXXX ,  XXXX  based on a debt that was already paid. I requested validation from the company supporting it was unpaid and they were unable to provide documentation all they could provide was a invoice number and balance on  XXXX   XXXX . This is not validation. I submitted a letter to all  XXXX  bureaus showing the debt was paid as of  XXXX   XXXX   XXXX  but this company refuses to acknowledge the payment. I called  ARS  on  XXXX   XXXX  and they began to provide info on my doctor visit which they should not have as it is a violation of my HIPPA rights.     I am requesting this debt be removed immediately as I do not owe it.

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 10-09-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted information to Equifax at which they failed to respond to my investigation request. I filed a civil lawsuit against them because under the FCRA they are required to respond to my request within 30 days. They never responded to my request. On XXXX/XXXX/2015 I was awarded a judgment against Equifax in the amount of XXXX. XXXX for the fine and XXXX for court cost. I have been unsuccessful with getting a resolution from the company on the phone. I spoke to someone on Tuesday XXXX/XXXX/2015 and they advised that they would call me back in 24hrs. As of today, I have not been called back. I find it unfair that Equifax add negative information on one 's credit report once they receive it, but when someone disputes the information, they fail to respond. I also find it unprofessional of them not to adhere to a judgment. I have uploaded all the documentation that showing my request for investigation on my credit report along with certified mail and documentation that was provided from the court and a copy of the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: Originally filed a complaint in XXXX. Equifax came back and said it belonged to me. I sent documentation to them showing it was not mine. They wanted me to send it to XXXX XXXX instead of taking it off my report. I sent the documentation to XXXX XXXX but The issue has still not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Apparently I signed up for a 1 week trial when I viewed my credit report in XXXX. I apparently forgot to cancel the service. Some 3 months later, Experian wants to charge me for the service even though I did not use it and signed up for it 3 months ago. The representative refused to refund the charge when it is apparent I have never used the service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation