milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contact the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX, as well as the detective with the XXXX Police Department that this w as in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Equifax remove the Charge Off showing under my name with XXXX as well as remove this account and Equifax as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Auto debt) with Mission Financial Services Corporation (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Mission Financial keeps upd ating my credit report with different new amounts from what the debt actually is and the last balance that was due to them in     XXXX  w as {$2100.00} now it has impacted my credit report that this company keeps updating these ridiculous amounts and they keep updating with  XXXX  accounts on my credit file and I tried disputing this   XXXX   times with the credit bureaus (  XXXX   &  XXXX  ) a nd to no avail has anything changed so I am attaching what they are reporting twice on both credit bureaus and also this debt is ove r 7 years old a nd I can not understand why do they keep updating my credit profile and changing the amount due. I have attached and updated reports of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: we disputed public record of bankruptcy filed XXXX2009 credit  bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (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: I was made aware that there was an XXXX XXXX XXXX placed by USAA. I started the process on XXXX XXXX by contacting them to begin disputing this alert and the reason for it 's existence. 
I finally spoke to a supervisor XXXX XXXX XXXX on XXXX XXXX XXXX explained the problem and requested my need for help and the information to resolve this matter. 
On XXXX XXXX XXXX, I received a call from a young man named XXXX. He explained that there were accounts opened and fraud was perpetuated with a checking and saving opened with my identity. The amount was approximately {$5100.00}. We had a very in depth conversation regarding the matter. I told him it was not me. They may have felt by their guidelines that secure procedures were followed. I told him that true due diligence on their half to protect their interests and mine were not sufficiently followed. This requiring a direct phone of verification that I was the actual applicant involving these high risk amounts for an online process. 
He agreed with my adamant position on the matter and went so far as to admit that I was not the perpetrator of the fraud. He repeatedly apologized and offered no final resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint was closed only because the company provided a response, I provided a response to the company and it was closed with the issue unresolved. Your complaint number is : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed. 

Account XXXX XXXX # XXXX reporting inaccurate open date of 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 02-03-2017 about Debt collection (Medical) with Franklin Collection Service, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. 
If I ca n't contact them, I ca n't resolve this issue. 

Franklin Collections is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: There was a computer glitch that was TransUnions problem- not mine- caused my inquires to be deleted. Transunion later on added them all back to my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have called numerous times ( 5 times a week ) since XXXX XXXX 2017 to get the hard inquires off my credit that were added back on. These inquires add a hardship and my right were violated by Transunion. Please help stop Transunion victimizing 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 06-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: XXXX  edLoan never provided any documentation of loan repayment information. We were unaware that FedLoan  was our provider as we received no contact from them. Had been paying other student loans with  XXXX  for months as they had been in communication from the time before I was even graduated from college. Have been making those separate loans on time with no proble m. FedLoan has now destroyed my credit rating for delinquency and now they   say I owe all this accrued interest when I did n't even know FedLoan wa s my provider until today, they sent no communication-no letters, no phone calls. An email was on file that they said they were using, however, I do not communicate via e-mail and prefer to not to  do my bills electronically therefore I can not for the life of me seem to understand how they will tell me that I selected e-banking when I would most certainly never do that. In addition, all the several phone calls they insisted they made. Not one of   them did I receive, not a single message. Did not receive any letter notifications telling me my account was delinquent as I had n't been paying. I do not mind paying my l oans, whatsoever, in fact have been paying other ones with no problem. However, how can I pay my loan if I have no loan information and do n't even know who am I am expected to pay? It was n't until I ran a credit report that I realized FedLoan was destroying my credit for these payments I was given no information about. Now it is just their word against mine. FedLoan has several complaints open about them and clea rly I am not alone in thinking their business practices are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problems caused by my funds being low

Complaint: The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been the victim of ongoing ID theft and have several fraudulent inquires reporting on my Equifax credit report. I have sent Equifax a valid police report as well as other supporting documents. I would like for Equifax to please remove these fraud items.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine

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 09/20/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Transaction issue

Complaint: Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with WINN LAW GROUP, APC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was mailed a judgement this weekend. The judgement was for a credit card I shared with my ex husband over 10 years ago. He agreed to pay this debt in our divorce. I have not received any collection notificAtions or a summons to court in regards to this matter. I was simply served a judgement. The account is so old it does n't even show on my credit report so I can obtain the date the card was closed. It is far beyond the statute of collections as per the California site I looked into. I am not sure how they can enter a judgement without my presence or notification on a debt so old I ca n't even get information regarding it 's validity. For all I know my ex husband paid it years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I obtained the credit card  XXXX  through a furniture store and when signing up I was informed that I would be getting no interest charges for the first year, after which interest would start being charged on a monthly basis for the amount that remained. When I received the bill for the  XXXX  month, in  XXXX   2017 , the bill stated that I owed close to {$500.00} in deferred interest charges. I was never informed that I would be held responsible for any interest for the period of time that I had t he one year  promotion.   After speaking to a representative of  XXXX  regarding the interest charges I was informed I would be held responsible. I paid off the remaining balance of {$840.00} in full and asked that my account with  XXXX  be closed. It is now  XXXX  and I have received a bill of {$330.00}, {$11.00} of which is an additional interest charge. I am now being charged interest on top of interest.   After calling  XXXX  once more, I asked why I am being charged interest on full amount of the initial purchase price as opposed to what the new balance was after  2017 . I was only informed that it is their policy and written on the bill. I am unwilling to pay the {$330.00} I am currently being charged due to having been misled and not fully informed about the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo unilaterally closed my checking account, claiming that it is " dormant '' event though there are XXXX transactions processed through the account everymonth -1 ) deposit/transfer from an external checking account, and 2 ) withdrawalof payment for XXXX mortgage on my home, held by Wells Fargo. Wells Fargoprovided me with no notice, and cause my payment to my XXXX mortgage tobe " late '' because the payment could not be withdrawn from my now-closedaccount. When I called customer service they told me I need to talk to whoeverclosed the account, and after I repeated told them they were the ones who closedit, they transferred me to someone else, who told me I have no recourse, andwhen I asked for proof of any notice of my account closing, hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 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: Equifax, XXXX XXXX, and XXXX continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. Straight XXXX. Please see attached proof I had XXXX. Equifax, XXXX XXXX, and XXXX has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX, 2017. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Focus Holding Company (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation