milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: I withdrew authorization for use of a business credit card in XXXX XXXX, 2016. I notified the bank card company and provided proof that authorization had been withdrawn this notification was XXXX XXXX, 2016 the bank ( Bank of America ) has not stopped the company from billing the card in spite of the formal complaint that has been lodged. I have been charged an additional 2 months. I have filed a complaint against the company as well for using the credit card without authorization. I am seeking immediate relief of these charges and the company stop billing 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 03/25/2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: I am beyond frustrated at the way Chase has handled my dispute complaints. I have been victimized by an online business scam and previously requested assistance disputing the charges paid to these fraudulent companies. I just received a letter that my case was closed because they " did n't receive any documents that indicated I wanted to dispute '' ... I was previously unable to open the dispute because I was told it was outside of the 60-day time frame. They never requested any documents from me I filed a complaint here because I hoped someone would look into this further. I have other credit cards and they are looking into charges just as old or older. The charges I am disputing for not being rendered to me as described are XXXX XXXX XXXX in the amount of {$280.00} and XXXX in the amount of {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: Through this complaint, I request that CFPB staff review the action taken by TD Bank in denying my Reg E-covered unauthorized withdrawal claim. I opened an XXXX account for my minor daughter so that she would have access to limited funds on a debit card. The card and the account were used sparingly. When my daughter attempted to make a teller cash withdrawal on XXXX XXXX, 2015, she and I were advised by bank staff that our account was overdrawn in the amount of {$1800.00}. We subsequently learned that my daughter was unaware that she had lost the debit card and that XXXX counterfeit checks were deposited to the account. Whomever perpetrated this fraud capitalized on the fact that immediate credit was provided by TD at the time of deposit. ATM withdrawals were then executed against the account over a 12 day span. Once we were aware that the card had been lost and the account compromised, we filed an unauthorized electronic transaction claim with TD. At the request of bank investigator 's, a police report was filed with the XXXX XXXX Police Department. 

In explicably, TD Bank has denied our claim, citing as the basis for its decision, the fact that no additional transactions were attempted after the checks deposited were returned as counterfeits and because the transactions were consistent with our normal usage pattern. XXXX 's actions in this matter are a flagrant violation of Reg E and raise a question as to whether it 's policies in this area are in conformance with the requirements of the regulation. How many other consumers have been unfairly treated as my daughter and I have been? 

I want to emphasize that the unauthorized transactions were all conducted in XXXX, NJ. My daughter and I reside in XXXX, XXXX, New York. Neither of us has ever recorded a bank transaction in XXXX, nor did we transact in the amounts and frequency noted for the fraudulent transactions. Moreover, there is no significance of the fact that unauthorized activity on the account ceased after there were no longer available funds. 

Reg E requires that a financial institution have evidence that a covered transaction or transactions which form the basis of a consumer claim were not unauthorized if it is to deny the call for reimbursement. TD Bank has no such evidence and the inaccurate and absurd reasons it offers to unlawfully deny my claim is behavior that warrants an examination by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been disputing an account that is reporting on my credit report with  XXXX . The account is   XXXX   XXXX   I have paid this account in full over 4 years ago. The company has since went out of business so I do not know how   XXXX   is verifing this information that is reporting is correct. I feel   XXXX   is not doing a proper investigation as I have disputed this numerous times.   XXXX   has finally deleted it off my report but   XXXX   is still verifiying that this is reporting correctly. This item should be deleted off my report like it was with experian credit reporting agency. I paid this bill in FULL. Having this incorrect information reporting is affecting me in obtaining substantial credit as it is affecting my score in a negative way.

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 01-11-2018 about Debt collection (Medical debt) with AVANTE (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: These charges are charges made from over charges to the insurance company. I was told I was not responsible for them. These was XXXX XXXX XXXX XXXX XXXX. How can they put things on your credit thats not fair and untrue and get away with it. So any company can just put what they want on our credit report and get away it. May God take control of the companies that uses people for their own good. Avante 3 entry. XXXX XXXX  5 entry. XXXX/XXXX. XXXX XXXX XXXX put {$20.00} to start a savings account and never went.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Payday loan) with SYNCHRONY FINANCIAL (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have reached out to XXXX XXXX to make a settlement on a care credit account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. XXXX refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting XXXX XXXX provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There are multiple problems with this collection. 
This collection is showing as an OPEN tradeline account on my XXXX report, not listed under collection accounts. Account number listed as XXXX. 

The charges in this collection are not valid and are inaccurate. I closed this account due to charges showing up that I did not know about or authorize, after making my last payment I told then to close my account. As XXXX was sued for cramming and settled, I believe that explains the billing issues I had with them. I was also not aware of any collection actions for an amount I do not owe until reviewing my credit report on XXXX/XXXX/2015. I never received a notice of my right to dispute this information. If information was sent it never made it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Credit card () with LTD Financial Services, LP (VA).
Issue: Billing disputes

Complaint: Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. 
I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Well, I have already submitted a complaint through this medium against XXXX XXXX, but I have received yet another troubling letter from them, along with information stating that I will have funds directly debited out of my bank account. I have already cancelled my direct debit agreement, as stated in my previous complaint. If they directly debit money out of my account, I will pursue IMMEDIATE LEGAL ACTION ( already in the works ). Even more troubling, I received a letter just this morning stating that my deferment date was changed to XX/XX/2018. This bill was postmarked XX/XX/2018. This is an example of an ex post facto violation of a contract between lender and student, one which is highly unorthodox and illegal. I refuse to pay this loan company, XXXX XXXX, any more of my loans, and I demand that they immediately cease and desist any and all communications with me, and forgive the entirety of my debt because of their unfair, illegal, and unethical practices towards a consumer. I will forward any and all communications from XXXX XXXX  directly to the CFPB and directly to my lawyer, who is preparing a legal case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Advertising and marketing

Complaint: how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: recently learned that my identity was stolen and still trying to resolve the many problems that pop up daily due that. 
i filed a FTC Identity Theft Victims ' Complaint and Affidavit no. XXXX, then filed police report with XXXX police department report no. XXXX, in addition i filed US Postal inspector mail theft report and faxed and mailed through certify mail to all the fraudulent creditors and the XXXX reporting agencies ( sent police report, completed Ftc affidavit, copy of driver license and social security along with letter requesting all the records and requesting the credit reporting agencies to block the fraudulent accounts removed and blocked in pursuant of section 605B of the fair credit reporting act. 

XXXX and XXXX both respond in timely manner. 

Equifax refused to do so and attached their response as follows " XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time will not block the information subject to the submitted identity theft and /orpolice report you provided as part of your dispute. We are contacting each creditor directly to verify the account /s onyour behalf. We will also forward a copy of documents you have provided to each creditor for their review. " please help me solve this issue its costing me time and money that i do n't have. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have been charged interest on my 0 % APR card for the 3rd month in a row. 

I submitted a claim for the first two months : XXXX The issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing statement

Complaint: I do n't understand why the credit card can compute my interest based on a 28 day basis? It should be at least 30 days at least, the average number of days in a month. That would provide a fair chance for consumers to pay within a usual pay period. When you compute it before the 30 days are finished you are penalizing the consumer for not paying when they are very unlikely to have received another paycheck to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This reason I am filing this complaint is to request an investigation into XXXX XXXX and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month of XX/XX/XXXX. I am requesting that XXXX XXXX and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get multiple daily phone calls from the number XXXX that are hang ups or messages left to call. After researching the number I found a website where many other people experienced the same treatment or worse from the company who makes these calls. It is a debt collection company whose name I have listed below. 
Regional Adjustment Bureau , Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXXXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXXI received my credit report only weeks ago and have no outstanding debt so I do n't know why I am being continually harassed daily by this company and how they are allowed to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: on  XXXX / XXXX / XXXX , I requested  XXXX ,  XXXX  and Equifax to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.

Company response to consumer: Closed with explanation