milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have two account on report that should be deleted. Both have been on credit report for more than 7 years. 

1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/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 12/13/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (FL).
Issue: Trouble during payment process

Complaint: Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.

It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.

The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI. 

Thank you in advance.

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 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Hello, On XXXX XXXX XXXX I sent a message to Coinbase through customer support telling them that I saw unknown Ip adresses trying to log into my account. I made clear that this made me worry, and asked them to, if possible, 'block ' all the other Ip-adresses except mine for my account. That was the only thing I asked for. 

The next day ( XXXX XXXX XXXX ), I already got a response. They said that my account has been locked now, until I am sure that my account is secure. They asked me to answer 4 questions so they can savely unlock my account. I think I did this the very same day or the day after. 

But until now ( XXXX XXXX XXXX ), I still did not receive any help or response for this case. I sent them multiple messages since then, I also called the customer phone number 4-5 for more than 1 hour  waiting without any response also. 

I feel very frustrated because of this, there is a lot of money on my account which I can not access now. This really should not be happening. 

Thank you so much for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Back in XX/XX/XXXX, I purchased a central air through XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ( XXXX XXXX XXXX XXXX ). This company has different address. 
XXXX XXXX made me sign a loan document through XXXX XXXX to make the monthly payments. Shortly after I signed the documents to the bank, I received a notice from the bank stating I had to pay the amount of {$29.00} fee for the loan application. 
On XX/XX/XXXX, the bank sent me an invoice for the amount of more than {$6000.00} dollars claiming I had purchased two central air conditioners. I called and the bank staff member told me that XXXX XXXX sent a double invoice for the purchase of two central airs. The bank stated to blame XXXX XXXX. I explained to the bank I purchased only one because I had only one house. I requested the bank to send me documents that stated I signed two times the forms, but the bank refused to send me documents. 
Based on this, I learned that the bank was committed fraud against me by charging double payments for two central air conditioners. 
The bank refused to send me any documents to prove its claim. I spent money sending a letter to the bank by requesting to send me documents that proves I purchased two central airs. The bank never responded me. I am concern, the bank will force me to pay for two central air conditioners. 
I checked on line reviews on this bank and I learned that XXXX XXXX has been committed fraud against consumers. Please see their reviews on XXXX XXXX I hope that US government investigates in deep this bank for committing fraud against customers. I was one of the bank 's victim.

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 01-06-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Placed a dispute request with Clarity Services in reference to inaccurate personal information and   unknown account ( s ) on my report.
Waiting for response from Clarity Services!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name was put on the student loan application of my adult son without permission. I have notified Navient of this for years, and supplied affadavits of my signature, etc., written documents noting identify fraud. However, they continue to harass me continuously sending threatening letters, calling my office of employment and leaving messages on a non-secure phone line about my delinquency and threats of dire consequences. Navient has passed on information about the debt to people who answer the phone at my employment. This is in violation of the FTC Fair and Equitable Credit Act. Navient calls repeatedly after many instructions not to call me at work or at all. This has been going on for 6 years. Navient apparently is now notorious about their illegal tactics used with many consumers and I understand under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TRANSUNION HAS REPORTED A DEBT, XXXX, XXXX AND XXXX. THIS DEBT WAS RESOLVED BY MYSELF WITH THE GOV AGENCY XXXX DUE TO THE DAYCARE BEING OUT OF COMPLIANCE WITH BILLING PRACTICES. THIS DEBT WAS ALSO INCLUDED ON MY BANKRUPTCY AS IT WAS RESOLVED BUT HAS NOT BEEN REMOVED FROM MY CREDIT 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 08-03-2015 about Debt collection (I do not know) with First Data Corporation (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter stating I owe a total or {$650.00} ( {$620.00} + {$25.00} returned check fee ) to XXXX # XXXX authorized on XXXX/XXXX/14 TRS Recovery Services , Inc.. I do not write checks at stores and this XXXX in question is located in XXXX. I live in XXXX and I have never been to XXXX. 

In order to dispute this " debt '' I have to send them all my bank account information per their website.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My mother saw a missed call and called Bay Area Credit to see who called. She spoke to a XXXX XXXX XXXX. She did disclose that she was in fact not me but instead stated her name. He then attempted to set up payment terms with her seeing if she would pay my debt. I have never once given authorization to speak to a third party. My mother is not the executor of my estate. He tried to not only collect from my mother but to get her to agree that I would pay to the amount. He disclosed the amount that I owe and for what. He disclosed what I owe the money for and the payment terms. He then harassed my mother to make a payment before getting him off the phone. He told her that she needed to make a payment and that he would be in his office until XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This afternoon I received a call from XXXX. This auto-dialed number left a robo-voice message saying that it was from " XXXX XXXX   : a debt collector '' and telling me to call XXXX. I do not have any outstanding debt and I pay my credit card in full every month. So, there is no reason a debt collector should be calling me.

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 08/25/2015 about Debt collection (Credit card) with Diverse Funding Associates LLC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a private student loan through Navient ( formerly XXXX XXXX ). I feel this loan was made with predatory intentions. As I entered my final year of undergraduate education at Louisiana XXXX University in XXXX XXXX, I was told there would not be enough funding available and my only option would be a private student loan. ( Had I known how this loan would work I would have used another lender. ) I was referred to XXXX XXXX as it was the largest lender for these types of loans. 

After graduation I decided to continue my education and pursue a XXXX. After being accepted into the program it was another four years until I graduated with a XXXX ( XXXX ). The entire time interest accrued on that original loan at 9.5 %, which I feel is an unfairly high rate considering I had relatively good credit while working part time during college. Again, I needed money to finish school and should have looked for better options. So, now fast forward a year. What I did not realize was that I was only able to receive one year of forbearance on this loan. After graduation I made a series of business loans to start XXXX. My business has grown steadily over the last two years but income is irregular in that I am at the mercy of insurance companies for reimbursement. On some months income wanes and I do not make enough to cover all of my expenses. I called Navient to discuss a short one month forbearance so my credit would not be affected and was told I was no longer eligible and should just skip the payment. I did that and then later was able to catch up. Now we have a a bit of a slow period and I have not been able to make a payment for 4 months. I have spoken with Navient several times and usually were not willing to take anything less than the total amount past due. I spoke with them today and they offered a reduced payment for 15 months but I would need to pay them XXXX dollars by Friday. I do not have an extra XXXX dollars at this time. I was told I would be receiving a letter from their attorney. The person I spoke with liked to raise her voice quit often when I explained that my business and living expenses come first and then if anything is left I could pay the amount they requested. I am very frustrated with this company and have had very rude calls to my home line and my business line. I feel that this loan was originally made in a predatory fashion and I was taken advantage of as countless others have also been victims of this company. My original loan was for XXXX dollars. Now the debt is over XXXX. I have explained to them many times that I intend to pay the debt but they are no longer willing to work with me. Today they threatened me with wage garnishment. My response is that I would then be forced to apply for bankruptcy and attempt to have this debt either discharged in chapter XXXX or reduced in chapter XXXX. I do not want to do that but they may force my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX unknown collection account appeared on my credit from a company called Optimum Outcomes. I disputed all XXXX accounts with the credit bureaus and XXXX were removed. 

I have contacted Optimum Outcomes XXXX times by way of certified mail and they have totally ignored me. I dont know what the debt is for although on my credit report it say medical. I have full medical benefits. I have requested that they remove the account and contact me only in writing but they called my job. 

Optimum Outcomes XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Please review my student loan account because it is reporting inaccurate information. This account was open XX/XX/2011 and has not been ( 30, 60, 120 days ) late, but Fed Loan Servicing has increase my balance from {$96000.00} to {$110000.00} ... just within the last few years. Please investigate the accuracy of this account ASAP. Fair Credit Reporting Act 611 ( a ) [ 15 USC 168li ( a ) ], I 'm writing this letter regarding this alleged amount of {$110000.00} with the account ( # XXXX ). I recently received a copy of my credit report and wish to dispute the accuracy of some information contained in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have been trying to unfreeze my account with Equifax since mid XX/XX/XXXX. It is now XX/XX/XXXX and after 10 phones calls my account is still frozen. I called today and was redirected to call 6 different phone numbers to cancel my account. After 4 hours of calls and waiting to speak to a representative they have told me my account is closed. I have my doubts since for a month they told me my freeze had been lifted. Most frustrating and unorganized company I have ever had to deal with. They have had my finances frozen for over a month and this has been an extreme hardship. They are uncooperative and continue to give the runaround. They do not resolve any issues and give different excuses as to why things were n't completed with each call. Hate them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: HUNTER WARFIELD, INC has continued to report a past dept from XXXX to XXXX and back and fourth without offering me a settlement option in order to destroy my credit history, they where removed from my credit report for the same dept but later re-reported with an even higher balance and I would like to resolve this dept but am unable to because of no contact settlement information from this collection agency!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation