milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credits, Incorporated (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: TD BANK COMPLAINT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX My father in law is doing a refinance with TD BANK. He was dealing with a XXXX XXXX, and his Loan Officer Assistant XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX. 
UNETHICALLY and in violation of RESPA Documents were sent to my father in law, by email from a XXXX XXXX, a XXXX and other items which are filled out incorrectly. 
My father in law paid for an appraisal already which is wrong because he never signed documents in reference to this refinance. 
The XXXX shows the loan as a primary residence which is wrong because it 's an investment property, and its showing my father in law, cash to close of {$2800.00}. The loan amount is wrong and is deceiving to show a LOWER loan amount of {$180000.00} even. 
Page XXXX of the XXXX, the DECLARATIONS section XXXX is filled out incorrectly. 
The loan amount is wrong and shows a much lower amount which is deceiving. 
Documents were sent by email BY XXXX XXXX and loan officer assistant to XXXX XXXX. The email enclosed by PDF documents to sign, which included a XXXX. 
This is wrong and is out of compliance per RESPA. 
My father in law paid for an appraisal before ever E-SIGNING or receiving document 's for the refinance. 
I have attempted to call XXXX and speak with a manager but no one is calling me or my father in law back. XXXX XXXX has not been able to be reached by phone. I have spoken with a XXXX XXXX who has been rude with me as well, and has prevented me from speaking with a manager also. 
It seems to me everyone within this location is protecting each other and no one wants to take responsibility for this UNETHICAL behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Debt collection (Medical) with First Federal Credit Control (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THEY WANT ME TO PUT A XXXX DOLLARS DOWN I DO N'T HAVE THAT KIND OF MONEY ... THE OTHER PERSON TOLD ME IF I DID NOT HAVE A CREDIT CARD OR DEBIT CARD WE HAVE NOTHING TO DISCUSS AND I KNOW SOME OF THOSE BILLS ARE DUPLICATE AND TRIPLICATE I ALSO WANTED A LETTER STATING THAT THESE BILLS WILL BE DELETED OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Federal law provides that bureaus must maintain the correct status on items or remove them from the file. I am enrolled in a NON-PROFIT consumer credit counseling program. When such programs are " NON-PROFIT '' the bureaus must change the status to a " XXXX '' XXXX and XXXX XXXX have complied with this law but Experian apparently has their own interpretation of the law. The accounts included in this program are : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Can seem to get it paid down sometimes my whole payment goes to Intrest n not principal I feel like I am getting ripped off they never can help me with being able 2 pay off n they haresse me all the time!

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Halsted Financial Services, LLC ( T : XXXX ) has been calling me for approximately one month while claiming that I owe them funds on an account, however, as I have explained to them, I was was the victim of the XXXX XXXX XXXX XXXX Data Breach and this account was not mine. To wit, they have not respected this fact even though I have explained it to them. I heretofore request th
at Halsted Financial Services, LLC to CEASE and DESIST all collections activities ( phone calls ) forevermore. Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company.

Company public response: Company chooses not to provide a public response
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 Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My office was broken into and several of my identity documents, along with my wallet and check book were stolen. After this theft several accounts were opened in my name. I disputed these accounts and received a letter from ChexSystems saying the dispute was over and nothing was being removed, however a month before I received two letters from XXXX XXXX XXXX saying they did an investigation and found that I did not open these accounts and that they were requesting a removal from ChexSystems. I 'm not sure who has screwed this up and I do n't care. I 've attached copies of the police report and the letters from XXXX XXXX XXXX. 

Additionally, the following addresses ( which XXXX XXXX XXXX used ) are NOT associated with me and ChexSystems has refused to remove them. I have made ChexSystems aware that these addresses are being used to commit fraud yet they have not removed them or have any effort to follow the Fair Credit Reporting Act and protect me from this fraud. The addresses that need to be removed from my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

XXXX XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

I received a notice from ChexSystems saying that they had mailed a report to some of the addresses above. That is very unfortunate that they did not do any sort of verification before hand and exposed me to further fraud. I have never order a report to any of the addresses above.

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Financial Credit Network Inc (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was n't notified that I owed this properly than later found out and paid but they would not remove it off my report

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 06/16/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XX/XX/XXXX to  XX/XX/XXXX , XX/XX/XXXX  to XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: To Whom It May Concern Please be advised that this is my THIRD WRITTEN REQUEST about Transunion reporting inaccurately on my credit report as under the FCRA 15 U.S.C. 1681i whereby all unverified accounts must be promptly deleted. In the event that they are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 DAYS NOT 60 DAYS of receipt of my first or or my second letter then you must remove these accounts from my credit report. 
The fact that Transunion has ignored my request to send me copies of the documents that were used to verify the disputed accounts within the time stated by law of 30 days, is evidence that they can not and did not verify any of the disputed accounts like they said they did. Transunion 's failure to delete the disputed accounts shows within the days allocated by the Federal Law also reveals that they can not verify anything, even after two written requests and also evidence of their willful disregard of Federal Law. 
Finally, please be advised that this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.

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 04-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Other

Complaint: I can not get a response regarding a purchase interest charge that is ongoing on a disputed amount with Chase. Each month, another purchase interest charge is added. I 'd like to attached a letter and attachments to XXXX XXXX at Chase. In his response to me, he said to call if I had questions or concerns and I do. HOWEVER, after calling several times, leaving at least XXXX voice mail messages, he chooses not to return. I have e-mailed and faxed him today about the last purchase interest charge. The disputed amount was {$1200.00}. On XXXX XXXX, 2016, Chase charged another purchase interest charge of {$14.00}. The account is being paid in full on or before the due date of XXXX/XXXX/2016. I would not like to be continuously charged a purchase interest charge. You are the only ones who can stop this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom it May Concern, I am filling this formal complain because I feel that Beneficial ( HSBC ) is not honoring their part of the agreement with the government. I have been trying to get a loan modification since XX/XX/XXXX. During that time Beneficial has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I became divorce in XX/XX/XXXX so that took away half of that income, then my father became sick and my Aunt took over his house that was next door to me, I started taking care of my father then after he passed away, my aunt became dependent on me and I had my son whose mother had nothing to do with not even financially was my responsibility. all these issues with under {$30000.00} a yr pay. I recently then remarried in XX/XX/XXXX to my new wife who is XXXX XXXX and I do carry the burden of putting her in this mess. we have XXXXkids and XXXX grandchildren and we have borrowed money from family and friends. I believe that Beneficial illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Beneficial not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. they told me they never received my paperwork, or this computer does n't have that information, they said they lost it and told me I had to re-apply. They kept changing relationships managers on me and I could never get the same person on the phone twice. My mortgage is currently over XXXX % of my gross monthly income. If that is not considered a hardship by Beneficial, that what really is? I believe I meet every single criteria put forth by HAMP program. My mortgage was originated in XXXX and I never refi 'd. this home this is ( was ) my families home and I took a loan out to update it. I am hoping that someone will hold these big banks accountable for homeowners assistance when they clearly deserve it. I think the main reason that Beneficial is not helping me is because I do have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. there are an obscene amount of foreclosed homes in my neighborhood and more going up everyday and I do not want to join them. Please help me save my home. I want what is fair and right. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Other debt) with I.C. System, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. 

The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.

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 08-07-2015 about Debt collection (Auto) with Byrider Franchising, LLC (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Circle Internet Financial (NY).
Issue: Money was not available when promised

Complaint: In XXXX, I used Circle XXXX XXXX as a bitcoin wallet service and transferred funds to and from them from my checking account. XXXX XXXX, XXXX, I called and requested my remaining funds be transferred to me as I am having a family medical emergency and am desperate for the funds I own in the amount of {$1000.00}. Funds were guaranteed within 6 business days online and over the phone even if the debit card on file was older and no longer in use. No matter what the funds would reach my account or bounce back to ( them ) if the account could not for some reason receive them. The funds were never received. I called and emailed them many many times sometimes several times in one day the ensuing days thereafter XXXX XXXX up until last Thursday. They claim XXXX has the funds but XXXX does not and have absolutely no record of said funds ever received or even attempted to be wired. XXXX asked for proof of the record of transmittal which Circle now refuses to send or even communicate with them or me. They claim they have lost ( my ) funds somewhere in the billing department and dont know what happened to them. They said There is a lot of back and forth between departments ( nebulous departments and people ) and tracking lost funds takes a long time and effort. I find this absurd for a financial holding company to say and stand by. If this is the case, they are incompetent and/or liars. Simply put, this is fraud 100 % and the fact that they refuse to work with XXXX or me is proof of this. Please contact them and enforce that they send my {$1000.00} as my daughter is in the hospital in critical condition and insurance will not cover nearly all the expenses. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I already settled this debt in 2013 with the company in front of the courthouse by having my wages garnished every paystubs ( Bi-Weekly ). After almost a year the company stop taking money from my paystubs. So my debt was completely paid as agreed in front of the judge, now they asking me to paid another {$1500.00} balance who I have no idea when this amount came from if they was still charging me interest after the judge rule, I am not going to agreed and paid for this debt because this will be considering a FRAUD .... I want this debt to be removed and stop asking me to paid for a debt already settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XXXX, 2015. My was XXXX XXXX, according to Texas law. I am being threatened by XXXX, a company in California, for a Citibank card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to Citibank, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from XXXX, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: This is concerning the recent Equifax security breach. According to Equifax my personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation