milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Delinquent account

Complaint: Never received statements on the credit card, or have the credit card in my possession as I made it aware to Continental Finance that I had lost my XXXX credit card but could n't get a new one due to the account being closed. I would like the late payments to be 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent Equifax hack exposed my personal information to hackers for over 2 months. My wife and I are in the underwriting process for our first home RIGHT NOW. This is absolutely unacceptable. I 'm a XXXX XXXX and work on web-facing applications by trade, this sort of security breach is beyond the pale and wholly avoidable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with Continental Finance Company, LLC (TN).
Issue: Customer service / Customer relations

Complaint: they had a hack into their credit card system, I was n't informed that my card and all the cards who got hacked would be of no use. I went to pay my credit card and it said my balance was XXXX dollars, I thought my husband had paid off the remaining debt, so I thought nothing of it only for me to see that I 'm getting calls from the creditor saying I was late etc and threatening to go after my credit rating. immediately I said my end of it and instead of apologizing they said well you 'll still have to pay the late fees however we wont charge for the over the phone payment and that they would be sending out my new credit card to the new address that I currently live at and that I should throw away the old credit card. so I wait and wait all the while making payments only for the new card to never arrive. 3 months of making payments without any access to my funds or online access then after this I very helpful supervisor saw me make a payment and asked me had I received my card, to which I replied no I had not. she was outraged she said none of your information here has been updated, and they have me down under the same info. so she mails out to me finally the new card only for it to only be activated by .... ( get this ) my old phone number which I had issued when I applied a number that I do n't have anymore I lost that along with the info as I relocated to tn from Michigan. as she goes to try and activate via phone she says its been put on here that you requested to not be phoned about your credit card XXXX I said what???? why would It say that I never asked for that so obviously I 'm being discriminated against by one of the supervisors there who at one point did give her name and its said to be XXXX, however this has just been draining, and more closer to emotional damage. as well as it can interfere with me being able to provide a good XXXX for my children. they once again gave me the same fax number that I had tried to call for 3 weeks in a row that remained ( busy ) ... .. I believe I 'm being discriminated because of my race, and my funds and my credit have been unjustly withheld from me. at this point I will try and do the fax number again, however ... .. I am tired of swimming against the stream of this corporate giant and its workers who think that they can just walk all over people and make life harder than it already is, I do n't know what else to do but to file a complaint. at this point it just seems useless. I remain hopeful that you and your company will be able to help remedy me of this problem thank you .the credit agency in question is continental finance and the card is the verve card.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I requested that  XXXX , Transunion,  XXXX  remove a judgment  XXXX  on my cr edit report, whereby this judgment has since been paid and it was vacated in Maryland ( courthouse ).  However, as of  XXXX .2017, this judgment still remains on my credit report. I made a second request to  XXXX , Transunion,  XXXX  on  XXXX .2017, requesting that the credit reporting agencies remove this item.

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 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX of 2008, my husband and I sold our home to a third party. The lawyers for the buyers failed to payoff our mortgage and allowed the buyers to assume our mortgage. Subsequently the mortgage went into default and the mortgagor XXXX XXXX XXXX foreclosed the property. I have filed a lawsuit against XXXX XXXX XXXX and the buyers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.

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 08-02-2017 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: RE : Livewell Financial , Inc. v. XXXX XXXX XXXX XXXX County Pennsylvania Court of Common Pleas No. XXXX We represent PXXXX XXXX XXXX relative to the above referenced reverse mortgage foreclosure action. XXXX XXXX was referred to us by the Area Agency on Aging. Her home is being foreclosed on because of a Tax and Insurance default cause by a temporary shortage of funds.
XXXX XXXX presented a budget that shows she has enough income to support a payment plan to pay the ongoing taxes and insurance and to cure the arrears within the 60 month time frame afforded by HUD. In fact, according to the budget presented, she could cure the total arrearage within three years. However, Live Well has stated that it is their company policy that they do not allow payment plans to exceed one year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I applied to consolidate and refinance my federal student loan from an agency called   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX  , in order to reduce the payments I was making at the time. I completed my application for consolidation and refinance, and received word that my new consolidated private loan was sold/given to  Navient. I  prepared to begin payment of my loan in   XXXX   XXXX  , and continued to receive billing statements from   XXXX   XXXX  , my previous federal loan servicer. I proceeded to call and speak with customer service representation at   XXXX   XXXX  , who stated that there was no information in their data base indicating my loans had been paid off and/or consolidated. In turn, I called   XXXX   XXXX  . The customer service representatives at this agency also stated that it appeared as if my consolidation process/payoff was not presenting as complete. In turn, I called  Navient, wh ose customer service representatives stated that no evidence of partial consolidation/payoff was observed, and that further inquiry would be required. Thus, I had received verbal guarantee from representatives of both   XXXX   XXXX   and  Navient tha t inquiry would be made regarding the observed and confirmed error, and follow up communication would occur. I waited for a period of weeks, with no reply from either entity regarding this matter. Meanwhile,   XXXX   XXXX   continued to bill me for the federal loan. In the same period, Navient private loan department began contacting me about payment deadlines for my new private loan. At this point, I became very concerned, as I had  XXXX  agencies billing me simultaneously, and no follow up communication to update me about the progress of my consolidation, even though my loan was stated to be complete and privatized p er Navient.  Without any further communication from the aforementioned parties, I developed an emotional panic, and reached out to a third loan consolidation agency, which in turn led to financial victimization  ( See  CFPB complaint #  XXXX   ) .  The ultimate res ult of this error has been significant unethical financial loss to my family, as well as a persistent emotional distress I have experienced since it became apparent that multiple agencies were billing me for a student loan, and I received no follow up assistance despite the appropriate communication efforts, which I made in good faith and trust in these entities.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XXXX XXXX, I received a letter from American Medical Collection Agency that I owed an unpaid debt to XXXX XXXX XXXX XXXX in the amount of {$110.00}. Despite writing to the Agency asking for proof of the debt, they reported the debt to all XXXX credit bureaus. 

I was surprised to learn of this collection debt after I was denied a mortgage. Upon contacting the company, I was told that I had an outstanding balance of {$110.00}. I was told by XXXX of the representatives that if I wanted to settle this right away, I would have to pay additional processing fee, equaling a payment of {$110.00} which I made on XXXX/XXXX/XXXX, Confirmation # : XXXX ( please see attached ). 

Upon reviewing my past credit report, I noticed that the debt was reported in collection as of XXXX/XXXX/XXXX. Upon further investigation of my records, I noticed that I had previously filed a complaint against the Agency on XXXX XXXX, XXXX, after the credit bureau found that the debt was not valid. 

As you can see in the attached letter from the company dated XXXX XXXX, XXXX, they agreed to close the account and have it deleted from all three credit bureaus. 

From XXXX XXXX to about XXXX XXXX, this item was not being reported with any of the credit bureaus, nor was I contacted by this Agency or any other company about this debt. 

I am attaching proof that this debt was never mine, and in fact the company agreed to remove it from credit report. 

I have paid this company {$110.00} that was never owed to begin with. I am asking that you please investigate the illegal activities of this company. In addition, I am asking that they refund me the {$110.00} that was paid to them on XXXX/XXXX/XXXX. In addition, I am asking that the Agency grant me any other remedies available due this company 's unlawful collection activities. 

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 08/19/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my response to my formal complaint, and ask you to investigate the business practices of Equifax. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
They have no verifiable proof ( an original consumer contract with my signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. My ID has been stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX , XXXX XXXX ( XXXX ). Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Equifax failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts and persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the 4-year anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Halsted called, asked for me, recording stated they were trying to collect a debt, press XXXX to speak with someone. I then spoke with " XXXX '' and he asked to confirm my name, I did, then he asked for the last XXXX of my SSN, at which point I stopped him and told him that before we go any further I wanted the full name of the company and their mailing address as required by law. He said he did not have to provide me anything unless I gave hime my last XXXX of the SSN. Again I asked him to comply with the law and give me their mailing address and told him not to call my phone number anymore. He said he did n't have to do anything and hung up. I do n't owe anything, I wanted to send them a cease communication letter. I also believe they spoofed their calling in number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them. 

This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Medical) with Ability Recovery Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under medicaid/ caresource but the companies refused to resubmit it and caresource has no record of it being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sent letters to credit bureau asking for how they verified information to be accurate for it was not. They keep stating it meets FCRA requirement however never send me the information that I am looking for and that proof the account is mine and how did they verify said account. 

XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1900.00} XXXX University I never attended. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit report it shows navient has wrote it off and a loss. But when i look on my report it shows the increased my balance by XXXX dollars. This is ridiculous. I have had nothing but problems with them. I tried to contact about my account when it was still openers to set up payments and they told me to call back in 7 days. I did this for a while until I seen that it was a ride off on my credit. Since my account is closed why is my account keep raising. They are horrible people. I mean someone ca n't make XXXX dollar payment but said they would try for a XXXX and the decline it. At least I was trying. Worthless company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by Bank of America to refinance my home, they said that they could give me a better rate and my house would qualify for eliminating the Mortage insurance. They wanted {$480.00} for the appraisal and because of my $ XXXX a year income & I had paid the original principle down from XXXX to XXXX I was a lock for this loan. We had a rude appraiser come in and value the house at XXXX, so I would have to keep the insurance, I protested and provided Bank of America the information from a independent realtor that they asked me to provide. The realtor rated the home value at XXXX based on a XXXX Bedroom home with XXXX full bath XXXX sq ft and a prime XXXX zip code location. The said it was n't good enough and charged my Bank of America credit card {$480.00} & added {$25.00} late fee when I protested the charge. They said they would give the late fee back but never did. I have complained and they say their hands are tied, I even offered to pay {$10000.00} to put me under the Mortage insurance & they wo n't budge. I believe they want only to do loans so they can make extra revenue on Mortage insurence. They refuse to reverse the charge that they put on my credit card without authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax got hacked and all the data they had on me has been stolen. Their cybersecurity practices are abysmal and could cause great harm to me and my family for years to come.

Company response to consumer: Closed with explanation