milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (VT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Last year, there were a few orders I used my card for, where the orders were either not delivered or not delivered in tack to merchant policy. After trying to work with the merchants, three required a dispute involvement. TD cancelled the card ( s )  and replaced them with new ones. The disputes were ruled in my favor, after additional information was requested and provided. The balance of those amounts were refunded to the old account number of the cancelled cards ( not the current card/account ). It took 3-4 months to get one of the three 's  refund applied to the current account ... an additional 4 months for the second ... and almost a year later I am still awaiting the third 's refund to post to my current account ( ideally with the interests added in the last year to the initial charge ). Since then I have requested my contact information with my address be updated, and it took almost 7 months to have a TD representative correct this on all systems. In XX/XX/XXXX of this year there was a fourth dispute that required a TD involvement. There was not a new card replaced, however in XX/XX/XXXX/XX/XX/XXXX a TD representative ( XXXX/XXXX/XXXX name and a woman ) contacted the merchant ( XXXX ), who confirmed a refund of XXXX was due to the account, but she was not the person to bill it correctly. I was told by TD this conference call was recorded for records. To get information from this case, I had to call the department almost 20 times over a 5 month period. As of XXXX  2017, my account balance is reported incorrectly ( by about XXXX $ USD and interest ) as well as incorrectly reporting my mailing address for over a year while have representatives claim to have 'fixed ' the error and being told to wait 10 business days, just to have to call every two weeks for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (TN).
Issue: Managing the loan or lease

Complaint: When I applied for this loan, I was not given a definitive interest rate nor payment amount. I was desparate and took it anyway based on being assured I would receive the complete information when the loan was completed processing. I was told I had until my first due date to return the money if I did n't like the terms. I told the company I do n't do business by email but was told that was the only way for me to get my loan information. I have requested the terms and payment schedule in writing but was refused saying they only use electronic communications, however their loan offers still continue to arrive USPS along with their collection notices. I still have n't gotten the loan information even by email. I borrowed {$800.00} which was deposited electronically into my checking account. Without my knowledge or approval, {$210.00} was then withdrawn by CashNet out of that same account. When I called CashNet about this, I was told that is how repayment is done but yet the company still REFUSED to give me a definitive payment amount or due date. I have refused to make payments until this matter is settled.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Home equity loan or line of credit) with FLAGSTAR BANK, FSB (SC).
Issue: Settlement process and costs

Complaint: During my XXXX like XXXX, XXXX & flag star bank equity. Have charged me over the 6 % that was on the soldiers and sailors relief act and now medically retired I wanted to let someone know. Thank you all 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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time.  All 8 accounts and history of all 8 statements/bills and proof that all 8 are indeed mine. I am disputing I ever had 8 delinquent accounts.This is not fair reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Other transaction issues

Complaint: I used the Western Union app on my IPhone to send {$600.00} from my credit card to my sister 's bank account. The first time I tried to complete the transaction, the app told me that it could not be completed at that time and to try again later. I did and the transaction went through. I was later emailed and told XXXX transactions went throught. I was able to get the second {$600.00} back from my sister, but not the fees. I called their customer service and was told by a floor manager that I could get a refund of {$25.00} by mail and was given a reference number. Later, they emailed me again and said they could n't refund the monty. I have tried a dozen times now to get them to return my fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much bs that goes on with in credit and you guys try Remove them as well, all inquiries please XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion 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 08/14/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I signed up for a Macy 's credit card in XXXX and at that time Macy 's enrolled me in a credit protection program without my explicit consent. I received a reminder of my enrollment in XXXX of XXXX, and this was the first time that I have been given information regarding the terms of the program and notifying me that I was enrolled. The program charges a monthly fee based on your balance which over the lifetime of my card has cost me {$210.00}. I never enrolled in this program and I was never informed that I was paying for it, it was included in my bill as a fee and not explained. I would like to be reimbursed for these charges as I did not authorize them nor do I need or want them.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Tormey Bewley Corporation (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My complaint is about XXXX XXXX XXXX reporting ONE debt as TWO debts. They are listing it with two different account numbers and two different balances ( {$710.00} and {$700.00} ) when it is only one debt which is owed to a dentist for {$700.00}. These two listings are on all three credit reports, XXXX, XXXX, and XXXX. I have disputed these two listings repeatedly thru XXXX and by mail, requesting the accuracy of these two listings be verified or removed. Each time, nothing is done, the investigation report comes back as verified and correct on this bogus double listing. I am at my wits end not knowing how to fix this error on my credit reports since XXXX XXXX XXXX is incorrectly verifying these two accounts as accurate, claiming I owe over {$1400.00} when only {$700.00} is owing. This has been negatively affecting my credit reports and lowering my credit score for over a year now while I have disputed it over and over without success.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made several attempts with Experian including sending them copies of the correspondences sent to the unauthorized company ( XXXX XXXX XXXX ) of which I have no contract with nor have I done business with them and they have never responded to any of my debt validation letters to verify validity of this alleged debt that they are stating that I owe and Experian is continuing to allow this unknown company ( XXXX XXXX XXXX ) to continue to report fraudulent invalid debt to my personal credit file without my consent hurting my credit and also communication with this 3rd party who I have no knowledge of ever owing a debt to or having a valid contract with nor have they proven to me that I owe a debt and they have the authority to collect a debt on behalf of some other alleged creditor and report negative items to my credit file. Experian and this alleged debt collector are both 3rd parties communicating with each other and Experian is sending this third party debt collector information that I am sending them without my consent. Even after the documented certified proof of the debt collectors failure to respond to the consumer to validate this debt, Experian still refuses to remove this unverified invalid account from my personal credit file because they are stating that XXXX XXXX XXXX is verifying my name, address, phone number, and S.S. # but not providing proof that they completed a true and correct real physical investigation regarding the validity of this debt and account. I have completed all of my Administrative Processes to get both Experian and XXXX XXXX XXXX to verify that this is a true lawful debt that I owe and they are both ignoring my correspondences as I am following the procedure provided to me by law to validate this alleged debt of which I can not get any feedback from XXXX XXXX XXXX proving that this is a valid and lawful debt that I owe and that they have the authority to collect on the behalf of the Original Creditor by producing to me a certified true and correct contract signed under penalty of perjury stating that I owe them or the original creditor any kind of debt.

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 11/13/2015 about Debt collection (I do not know) with Zenith Financial Network Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with U.S. BANCORP (IN).
Issue: Unsolicited issuance of credit card

Complaint: I have recently went to work for the XXXX and was asked to have HR apply for a travel card for me for overnight travel. Once HR applied, it came back rejected because it showed my SSN with an outstanding Gov. CC already for {$450.00}. I had to contact US bank who is the governments CC issuing company and could not get a straight answer from anyone at all. First, I was told it was a prior Government CC, then it was n't, then they kept asking me for my CC number and I kept telling them I never had this CC and do not have a number. I spent over 12 hours and several lost man hours on this issue. After speaking with 4 different supervisors and Mgrs including Fraud supervisors, I was finally told that this account was actually a corporate account and although it was issued with my SSN back in XX/XX/XXXX and was closed out in XX/XX/XXXX after company ( XXXX ) failed to make remaining balance on card paid down to 0 balance. Fraud explained account was too old to trace back, but yet no one was willing or able to explain how this balance shows on my SSN. It has never been reported on my credit report and they say it 's because its a corporate CC but wer not willing to write off or delete this past due or prior debt which was never mine in the 1st place. I was in the XXXX back then and have never had a CC with or for XXXX time I called, I was given a new XXXX number to speak to a supervisor or someone who could assist me, not to mention I had to start from scratch each time I made a new call or had a new supervisor on the phone. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and another XXXX at these numbers : XXXX/ XXXX/ XXXX/ XXXX. My government coordinator has tried to assist me as well and same answer was given to her. This was never my account and not to mention its XXXX and was closed out in XX/XX/XXXX, It is keeping me from obtaining a Government CC because US bank is who the Government uses for all of our CC 's. I really need this issue resolved and removed from my SSN so I can obtain a new CC for my work travels. 
Thank you 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 non-monetary relief
Consumer complaint received 09/29/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, XXXX. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former XXXX branches in our area. I used to have accounts with XXXX, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " X 's '' except the last XXXX numbers ( XXXX XXXX XXXX XXXX ). I do n't even know if this is a XXXX or XXXX - but I was charged an annual fee & interest. I finally spoke to a local branch about this. Nobody could tell me how I came to have this credit card acct with no actual number or application attached to it. I told them to close it immediately. They said they would - and they did ... EXCEPT ... I then ended up with a XXXX cent credit, which kept the account alive. I have tried several times to get them to close this account and send me a check for the XXXX cents, or keep the XXXX cents. I do n't care which. That has never happened & it has been a few years now. I 'm still receiving the statements. More importantly, I recently noticed that this " account '' is showing up as a negative on my credit report. It is actually the ONLY negative on my credit report - and it says " pays as agreed '' next to it ( as if I have made some kind of payment agreement with First Niagara ) - when actually they owe ME XXXX cents - not to mention the fraud they have been committing against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Have been working with Nelnet. Have had 5-6 calls with them and each time have been told conflicting information in regards to my account. I have been told with some calls that my XXXX required payment would be completed when I made the XXXX payment. However, come XXXX I was required to make yet another payment. Was then told that my daughter was now enrolled in the Income Driven Repayment Plan and her payment would be XXXX. However, upon calling again later in XXXX was told I had to make YET ANOTHER payment. Also, filled out the application for this program on line in XXXX, XXXX and XXXX. Nelnet first stated that they had none since XXXX. However upon pushing them they all of a sudden found XXXX from XXXX and advised they would submit it since they once again agreed her XXXX required payments had been made per a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation