milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other

Complaint: Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Shows i had a bankruptcy in the remarks section and this is false never had bankruptcy, just check my personal info. XXXX refuses to remove this and says they did n't report it.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all  XXXX  credit bureaus and all three have found this company and debt fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told in may that I would be getting my new bill on XXXX XXXX and that two weeks after that I would be notified on my new repayment plan under repay. On XXXX XXXX, 2016 I still had not received my forced deference bill and called to find out what was going on. I was told by employee XXXX that I did have a bill but that It would not post to my account and as soon as I paid it I would then get my new repayment plan in about 14 days. I paid the {$5.00}. Then On XXXX XXXX I got a bill for the amount owed. I again paid the amount again which if I had been given the correct information I would have only paid once. Aside from the fact I was prohibited from making a payment on a payment plan now I can not trust the information that I am being given by Fedloan servicing. The customer service personnel need to be properly trained not to give information if they do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report and noticed my credit was pulled by XXXX XXXX. I did not authorize this pull nor have I received any services from this company.

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 03-02-2016 about Credit reporting () with ALLY FINANCIAL INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a vehicle that was written off on my credit report in XX/XX/XXXX after it became delinquent in XX/XX/XXXX. It was financed/purchased XX/XX/XXXX.I called on XXXX/XXXX/XXXX to ask for an application to file lost title on the vehicle, as I have done on numerous occasions, since the finance company has indicated numerous times that they do not have a title for the car. Instead of sending me the application agreed upon they immediately went back and added the charge off again to my credit report as of XXXX/XXXX/XXXX. I just realized then that they have been re reporting the charge off every year. at least since XX/XX/XXXX that I can see on reports that I have. This charge off should be falling off my credit report next year, and they have resubmitted it, so that it will show for another 7 yrs. I want this charge off date to be put back to the original XX/XX/XXXX charge off date, as the information reported XXXX/XXXX/XXXX is very inaccurate. You can see from the attached XXXX and XXXX reportings on my credit report that Ally is reporting that I financed the car in XX/XX/XXXX and it was reported as delinquent in XX/XX/XXXX. I bought the car brand new in XX/XX/XXXX for about {$15000.00} at {$320.00} mo. I only had about 4 months left to pay on it when I could n't afford to pay, and it actually became delinquent in XX/XX/XXXX. So it is being mis-reported every year, and only because I called to try to get a title, which I still have not been successful in getting.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi, I am writing to see if the credit report companies can show a sign a good faith in removing my credit inquiries on my credit report. I started a small business and had gotten denied for a business credit account by XXXX. My company is on hold until i can resolve this issue. I called XXXX twice and i am unable to convince them to open a business credit line for me. My credit score is in the 700 's  and i have never missed a payment. I also do not have any negative remarks on my credit report. Please help. Thank you.

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 05-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, Midland Credit was sent a certified letter disputing two accounts that appeared under this company name ( receive date :XX/XX/XXXX ) With that being said, they actually added a third account after receiving my letter of validation. My letter asked for evidence bearing my signature, that I have an obligation to pay them Today is XX/XX/XXXX, I  have not received a validation of either account. I called XXXX as well, which I was told Midland Credit has not added my dispute to my credit file as require by law in the 30 days of disputing. Unfortunately ... .after speaking to XXXX XXXX XXXX  has now placed the dispute on my file. at this point, Midland is in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the FDCPA 4. ) Violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've worked hard for decades to maintain an outstanding credit rating that 's ranged right around XXXX. I take my credit report extremely seriously and always consider the impact on my score when making decisions that may have an adverse impact to my credit score, and ultimately my financial well-being. 

In XXXX of 2015 I obtained new employment which involved selling my home and moving my family. This move incurred over $ XXXX in moving expenses, all of which were reimbursed by my new employer once we were able to provide receipts evidencing the expenses incurred. In other words, the funds for my travel and relocation expenses initially came out of my savings and then were reimbursed by my new employer after the move. 

Given the safety, security and support that XXXX XXXX offers, my wife and I used our XXXX card to fund the upfront travel and relocation costs. Unfortunately, we did not realize what a detrimental impact that doing so would have on my credit scores. My score which was XXXX immediately dropped to XXXX ( XXXX point drop and below the XXXX A-Rating threshold for obtaining the best mortgage rates ). The drastic drop, I 'm told, is due to the fact that XXXX does not report a credit limit but rather reports the lifetime max that has been borrowed as the limit. In this particular case, $ XXXX was my lifetime max and thus it appears I 've maxed out my card. For this reason, my credit score has plummeted and now effectively puts me in a position where I face paying XXXX of dollars more per year on a mortgage because I no longer qualify for the best mortgage rates.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Other transaction problem

Complaint: I was transferring {$160.00} to a colleague in XXXX on XX/XX/XXXX using Moneygram 's online platform. Since Moneygram states that inclusion of the middle name is optional. I did not include the recipient 's name when sending the money. When the recipient went to receive the money, their agents refused to give her the money on the pretext that her ID had a middle name which was not indicated in the transfer. 

The recipient requested me to speak to Moneygram 's customer service personnel to get this rectified. When I called them, I spelled the middle name several times as XXXX, but their employee entered XXXX. 

When my colleague went back to receive the money, they refused to give it to her on the basis of the spelling mistake made by their own stuff. Upon learning this, I called them once again. This time they refused to rectify it because an earlier amendment was done. They told me that the only recourse was to cancel it. I pleaded with them to pay it as it was because I did not have any more money to send, but they declined to offer any solution to that effect. 

I went ahead and canceled the transaction on XX/XX/XXXX. However, 9 days later today, they still haven't refunded me the money. I have called them several times but they insist I have to wait up to 12 days. Surely, a company that involved in money transfer should not hold on to someone's refund for more than 24 hours. 

My recipient also made me aware that their agents were using this confusion to force her into opening a checking account with them. This is deceitful marketing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONWIDE ACCEPTANCE CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.

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 05/22/2017 about Debt collection (I do not know) with ASTA FUNDING INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   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 01-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: To Whom It May Concern, It was in late XXXX of 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Contacted North State Acceptance XXXX on XX/XX/XXXX @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I can not access my credit report on XXXX out of the XXXX sites without using my sister in law 's ( same odd name ) information to answer the XXXX initial security questions.

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 01-08-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WA).
Issue: Making/receiving payments, sending money

Complaint: CITI Bank Customer Service and Presidential Escalation departments REFUSE to address issues with my account. 

1. CAN NOT CALL - BLOCKED 2. CAN NOT LOG IN ONLINE - BLOCKED " We 're very sorry, but that content you are looking for ca n't be found. Please try the homepage again. If you continue to receive this message, please call the Customer Service number on the back of your card. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' Can not resolve billing issues or dispute charges or make changes to my accoun NOR advise of large payment coming from different country! 

Credit card is useless if blocked on charges.

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 Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/2017 XXXX XXXX XXXX dba XXXX XXXX filed forclosure papers on my home for not providing flood insurance on the home. According to FEMA we are in flood zone x which is not inside the Special Flood Hazard Area ( floodplain ). The elevation certificate shows the house is well above the top of the dam. The Senior Planner for XXXX Co, says the house is outside of the 1 % /100-year Special Flood Hazard Area ( floodplain ). Champion mortgage is a predator. They charge monthly for property appraisal which according to case no XXXX class action complaint against Nationstar Mortgage dba XXXX XXXX filed in Illinois is illegal. I have to mail them the verification that I live at my home 3-4 times a year  because they say they never received them. This Company is also in the insurance business so of coarse they want me to have to pay for flood insurance I don't need!

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 EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since  XXXX   XXXX ,  2016 . I have received my title for the vehicle which further indicates that the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was going thru a divorce, in which this cc was growing in debt, due to my wife at the time. In which she claims ashe is n't and wo n't be responsible for any charges under my name. Most of the debt concurred was made thru my Acct but not me. Even while we were separated my credit cards were still being used due to having access to my cards. In some cases we had XXXX cards. This company had said to me over the phone. That they will no longer call me, and not harass me due to my divorce and all the money that was taken from me. Also the company had wished me the best in luck with my divorce. I just had no money at all to pay for gas and simple meals at that time. Resulting in 9 years of living almost homeless. The credit card company sided with me and dropped this matter. I finally got some room to live again and now all of a sudden the account has been reopened after 2011. I had financed a truck last year my only big purchase in which my mother pays off monthly. While I continue to pay 25 % of my pay check to my ex wife. Until my children reach XXXX years old. Approximately XXXX more years from now. So why come after a person who can barely eat. I needed a truck for work in once again I do n't pay for. My other vehicle has over XXXX miles. Please seize to try to collect from me. I 'm still trying just to get up and work for my children to have clothes, and everything else kids have now. I wish I had money to live but in all fairness. I 'm barely living. I try daily to make more money, by trying to help in side jobs, just so I can take my kids out to a movie or just to dinner. I have n't been in a situation like this my whole life. I worked for everything I owned. In the passing away of my father from XXXX XXXX, I lost my job and heard from now my ex wife, hat I 'm not a man for losing my job. And I better do something fast or this family is over. Plus she wanted a larger house. For years I 've tried to have a better paying job, but it did n't happen. The stress was so bad i had XXXX, and put on XXXX and XXXX XXXX. I have nothing left to say or can do. Please stick to our hard times agreement. Due to financial loss, and divorce.

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