milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 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: On or about XXXX/XXXX/XXXX my husband transferred XXXX from our money market savings to checking. When he tried to cash from the ATM machine it showed a minus amount. 
When he went to the bank officer she informed him a funds were taken from the account over a period of number of weeks.The account was frozen and a NEW Debit card was issued. I tried to use my SECOND Debit at a whole foods only to be rejected. I then went back to the SAME bank officer only to find out that XXXX was taken from our money market savings ( a prior attempt of XXXX was rejected ; however if the amount requested was under XXXX it would have been processed.How was it possible that funds were given after numerous attempts were made over the daily allowable amount. 
I never used my card yet within XXXX hours funds were taken to date the amount is over XXXX  with additional overdraft charges. There is an investigation currently by the XXXX Yet the Bank refuses to restore any funds saying that a proper Pin # was used. I would not be in this position if it was a wrong Pin # As we all know bank cards and pin # can be cloned as per a FBI public service advisory states.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Transaction issue

Complaint: I bought a new dishwasher from XXXX over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed an account showing on my TransUnion credit report starting in XX/XX/XXXX. I contacted the company which was reporting and they sent me letter saying my account was closed in XX/XX/XXXX. I sent TransUnion a letter to prove so. It did n't fix the problem. They said it was not the same account. I called the company with the account number provided. Not only did they say that the account number was not mine, it did n't even exist in their system at all. I then disputed with TransUnion that it was not my account. Since the company shows my account number and that one being different, and the company also shows this account does n't exist on their system. TransUnion has disregarded my attempt to dispute this item. This is fraud and I am pissed.this is affecting my credit score!

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 04/28/2015 about Consumer Loan (Vehicle loan) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Managing the loan or lease

Complaint: I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OK).
Issue: Application, originator, mortgage broker

Complaint: I have had problems with Quicken Loans from the start of the application process in XX/XX/XXXX. They promised to have my loan processed by XX/XX/XXXX and it was XX/XX/XXXX before it was actually closed. The reason for the delay was because they failed to obtain an appraisal. They went outside the area for the appraiser, when they could have had one in my town, and it took the appraiser 30 days to schedule and then 30 days for the report. I also sent the required forms to them as soon as possible and several times they claimed they did not receive them when in fact they had. 
I am now having problems trying to payoff the loan. A portion of my property was taken by the State of Oklahoma Transportation Department for eminent domain. I received my check from the State on XX/XX/XXXX and called Quicken Loans that same day for instructions for payoff. They told me it would take 3-4 business days to complete the process and to send them a authorization letter along with the signed check. I mailed the required authorization letter, signed check, and copies of the ODOT letter by certified mail on XX/XX/XXXX. I get a call from Quicken Loans on XX/XX/XXXX saying they did not get the authorization letter ( they did not say they got the check ). It scared me because I thought the check was lost. I know that I sent the letter because I made copies of everything I sent. It is not in my files nor in my scanner. I double checked my documents before I sent them. I am very meticulous and organized. Someone at Quicken Loans lost the letter. I was gone from my home for five days and when I got home I checked my messages I found out they did not have the letter. I called Quicken Loans the next day and they told me I had to re-submit it. So I sent a copy by email. The person I spoke with then told me it would take 3-4 days to process it plus 7-10 days for a refund. That was not what they had told me. I was expecting the refund by XX/XX/XXXX at the latest. 
She also told me that my refund is around {$30000.00} when in fact it is over {$36000.00} because of escrow deposits. I think they are trying to cheat me. I paid a lot of money for this loan. 
I wish I had never dealt with Quicken Loans. They are unprofessional and do not do as promised. During this whole process I have talked with at least a dozen or more people, never the same person. It was and is still very frustrating. I understand that it takes CFPB 15 days before they can do anything to help, I want to inform the public about Quicken Loans ' procedures and their failure to perform as promised and about possible fraud if in fact they are not paying me my full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.

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 02/15/2017 about Credit card () with SYNCHRONY FINANCIAL (IA).
Issue: Other

Complaint: I need your support. I have XXXX credit cards issued in my name from Synchrony Bank. I am regular payee of all my debts and there has been never late payment charged. However both my account has been closed without informed me and without giving any justified reason. When called up the bank they informed me it account has been closed because of security issue. However they informed me any security reason. Also there has been no mail communication for said reason. Because of this my credit score has been degreed and these inquiry remain 2 years in my credit score. This is a mental harassment for me as I have been deprived. 

Request you to kindly help to get this sorted out with the bank.

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This has been disputed but no response as of yet.

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 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I C Systems never sent a dispute letter. I check my my daily and I am a very organized consumer. I also check my XXXX account at least once a week. I hve never done business with IC Systems, nor have they followed the law and sent a dispute 30 day notice.. They just appeared on my credit report with out following the FCRA. They have an open date of XX/XX/2016. Have them explain what this date means? I have never done business with this company so I have no idea what happened on XX/XX/2016.

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 01-07-2016 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am continuously getting phone calls from the company in question about, what i assume, is a debt for someone who is not me. I answered the phone and spoke with someone several months ago and let them know they had the incorrect phone number and asked that they not call this number again. They have continued to call weekly and sometimes daily. I have caller ID and do not answer the phone any longer. However, this is my work place phone and would appreciate if the calls would stop. This has been ongoing for at least 6 months, if not longer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX XXXX credit card for XXXX XXXX XXXX XXXX offered a promotional rate of 0 % for 24 months on a purchase. After 24 month period I was told by the staff member interest would start at a rate of around 27 %. Instead I received the full amount of interest charged throughout the 24 month period after expiration. {$2100.00} purchase now has {$1300.00} of interest due all at once. This was not explained at all. I call to question the charge and they said they offer a 30 day grace period after the promotion. They do not reach out to you or mention this anywhere so how could the consumer know it exists? My call was placed around 6 days after the grace period. They told me its too late. I offered to pay the full bill to avoid interest. They still said no and that I would have to pay. Its a rouse that needs to be addressed.

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 04/18/2015 about Consumer Loan (Installment loan) with Delbert Services (FL).
Issue: Problems when you are unable to pay

Complaint: I took out a loan over the phone with XXXX/Delbert & westernsky for XXXX at a monthly payment of XXXX a month but after 6 months they said I still owe XXXX and they also put it on my credit and they are not even license my husband had past a way and that left me in a bad financial burden but I did pay them what I borrowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Other fee

Complaint: I bought a bed using an interest XXXX credit card. 
I had used the card for purchases in the past, but paid them off after realizing I had been mixing up my cards ( statements attached for XX/XX/XXXX ). 
In XX/XX/XXXX, I used an XXXX, forgetting this card was still linked to my XXXX account. 
Realizing my error, I paid off the uber charges immediately. The charges did n't fall off the account, despite payments made. I made several payments, but was charged an interest fee ( XX/XX/XXXX and XX/XX/XXXX Statement attached ). 

I contacted the bank ( Wells Fargo National Bank ) and was told I needed to make all payments within a XXXX day window, so payments made before that window are ignored. I spoke with an employee and a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: When I graduated from school in XX/XX/2008 I was told by XXXX that I was not eligible for XXXX deferment ( XXXX ) and that I would have to go into forbearance if I was unable to make the full payments. This despite the fact that my other loans with other companies were eligible for deferral and multiple of my classmates were able to defer. Because of this I accrued XXXX of dollars in interest during my XXXX. I have subsequently been told by colleagues and a lawyer that this was a lie and I WAS eligible for a XXXX deferment. Given XXXX actions with other groups including service members, this appears to be a clear case of purposeful obfuscation for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Well basically, I have 6 hard inquiries on Equifax which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX ^ XXXX XXXX XXXX , XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on XXXX, I have 4 hard inquiries which are -XXXX/XXXX- inquiry from XX/XX/XXXX -Institution Information- XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX Information- XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX  XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, Experian and XXXX and they have done nothing.

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 06/15/2016 about Debt collection (I do not know) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please see complaint XXXX. The company 's response is erroneous in a few ways : 1. They never address my concern which was repeated calls ( 3x in one day ) which violate the FCRA. Please address this concern immediately. Violations of the FCRA result in fines payable. 

2. This debt is not mine. Please correct your records. There is no history of this on my credit report ; you are contacting the incorrect person. I apologize for your poor recordkeeping. Stop. Calling. Me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief