milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: AMCOL recently reported to the XXXX credit bureaus that I have an unpaid {$890.00} bill owed to XXXX XXXX. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute this account. I would have liked to have that opportunity because I am certain my health-care provider paid this anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Diversified Consultants has been calling my work, cell and home phone repeatedly for months ( possibly a year ) sometimes several times a day. I thought they had stopped but today they called my XXXX aged son on his cell, LAST straw! They do n't tell me why they are calling but want me to pay them $ XXXX and give them info or face legal action. I would never give a company like this any financial info ever, I do n't owe them anything to begin with and have never even heard of them before. I do n't want to change all my numbers but will if you ca n't help me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Found on my credit report, never received anything in the mail about this

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # B XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 file a complaint on XXXX/XXXX/XXXX case number XXXX about Experian not providing proof of the items on my report on how they are verifying these items and the just keep sending me a report saying verified. Now I would like for you all to make them do their job because I do know that they are violating my right by not doing so. I have a problem with them saying its verified to me within two weeks but now need 60 days. that 's a problem and dont feel they are doing their job. I request this from all three bureaus and the other two could n't verify them so the stop reporting like they should. I even sent a letter that the collection agency sent me saying they cant verify and ask that they stop reporting but they still reporting as verified. Now I know if this is wrong that the others accounts are not verified they are just not doing their job. XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX. I 'm sending you the letter i sent to them but they still saying verified.

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 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt being reported is from XXXX alleging that their equipment was not returned. I spoke with representatives at XXXX and they are not showing any debt owing by me on their records. I have disputed this with many different collection agencies and when I do they sell my account to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with Account Services Collections, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Was never called or recieved any written notice of ant debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted my mortgage payment to Quicken Loans on XXXX/XXXX/2016. 
The payment was never withdrawn from my account ending in XXXX. 
When I called Quicken Loans to inquire why that was the case, I was told that Quicken Loans had XXXX similar checking account accounts on file for me. 
I was assured that the incorrect account would be removed, and that my payment would have be redeposited, without affecting my credit because I had paid before being 30 days over due. 
I have called Quicken Loans, but I have only received empty promises that someone would call me back, and that everything will be taken care of. 
No one has called me back, and Quicken loans has not withdrawn any payment from my account, but instead, had referred me to multiple credit bureaus indicating that I am either 60, or 31-60 days late when this is not the case. 
Quicken Loans has not provided me with a good level of service ever since I became a customer. 
Furthermore, even though my insurance was renewed with a effective date of XX/XX/2016, Quicken Loans never made my premium payment, and had not done so until I called to complain on XX/XX/2016. Quicken Loans did not make a payment in my behalf until XX/XX/2016. 

Quicken Loans have never treated me well. 
The following explanation, and my current mistreatment are the basis for my rationale to finally file a complaint with the CFPB : When I applied for to refinance my mortgage, Quicken Loans accepted an appraisal that was based on houses that were not in my neighborhood. As a XXXX, I was shocked when Quicken Loans accepted a blatantly under evaluation that was based on minority neighborhoods, instead of using evaluation from my more prosperous and predominately XXXX neighborhood. 
To further prove my point, even though my house is the exact same as my neighbor 's and had recently undergone a complete renovation, my house was appraised for {$91000.00} less. {$120000.00} for mine, and {$220000.00} for theirs. 
I have brought this to Quicken Loan 's attention before, and nothing was done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Credit decision / Underwriting

Complaint: I have had a mortgage loan with JPMorgan Chase since 2008. Over the past two years, " XXXX XXXX XXXX Chase '' has sent me monthly XXXX packages with offers to refinance my loan. Over the past year, I called Chase twice and emailed Chase once to ask them to stop sending me offers. During my last call, they said they would stop. However, I continue to receive monthly UPS packages. Their lack of response has completely turned me off to Chase and led me to report this behavior to you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been denied credit on many occasions and have requested a copy of my Transunion credit report and have yet to receive XXXX. This issue has been going on for the last two or three years. I have never given any creditor or credit reporting agency no other address but the one I have lived @ for over thirteen years. I have notice every time a creditor request a copy of my files it is granted. I have even tried online to access my files, as I did today XXXX/XXXX/15, but was denied saying I have an on going dispute and ca n't access my files until the investigation is over. That dispute came through XXXX and I was only able to dispute XXXX item. I need full access to my files that I may be able to dispute all files that are incorrect. I was denied credit by XXXX banks over the last two days. Why ca n't I access my files? What sense does that make?. I have joined many free credit monitoring services just to see my files and credit score. The other major credit reporting agencies give access why ca n't Transunion. Please help me solve this issue. Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Vehicle loan or lease (Loan) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: The aforementioned company Regions Bank violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to the debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt.

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 08-08-2017 about Debt collection (Credit card debt) with KEYCORP (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from XXXX XXXX ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Account opening, closing, or management

Complaint: I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices. 
I did visit at U.S. Bank today dated of XXXX XXXX, 2015. in addition, U.S. Bank employee did n't give me more power reward at see below descriptions : I filed against U.S. Bank refused refund {$900.00} for unfair and deceptive bonus practices at below : We 're glad you 've chosen to bank with us. Unfortunately, the checking account you 've selected is not eligible for a bonus. Valid accounts for the {$120.00} bonus offer include U.S. Bank Silver, Gold or Platinum Checking Packages. As a reminder, to earn the bonus you must also complete XXXX or more direct deposits totaling {$500.00} or more, OR XXXX or more transactions using U.S. Bank Bill Pay within 60 days. 
I was not happy with U.S. Bank addresses:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with North American Credit Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried contacting North American Credit Services several times via postal mail regarding this alleged debt that is said I owe. I have yet to receive any response from them. I would like this removed from all of major credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Billing statement

Complaint: 1. ) Despite repeated requests from me Capital One has been very devious about not sending a statement when I have a balance due. They send it regularly when I do not have a balance due, but somehow they either do n't send XXXX or it will be late when there IS a balance due. In short, it 's up to me to watch them carefully to make sure I do n't incur any late fees. 

2. ) The due dates for payments change from time to time with no clear explanation as to why when I call. 
3. ) When I 've paid off my card in the past they will frequently try to tack on an extra charge unless I call and complain or send an email. 

No, I can not offer any proof ( statements, etc. ), but I think the cfpb should be aware that Capital One is only playing by the rules when challenged. I do n't use my credit card very often and this is the reason why. Capital One is not, not, not trustworthy. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been working with Equifax for almost the entire year to resolve their claim to put information on my credit report that has not been verified. I have sent documentation to them to ask for verification but they have failed to answer my complaint. The issue I have is a bankruptcy that I asked to be verified, they did not respond, I have a letter from the South Carolina XXXX court which states that they do not report information to credit bureaus, when I challenged Equifax, they did not answer my specific complaint nor remove the bankruptcy and items relating to it. I have hired a lawyer to fix issues where the credit company was using my son, who has the same name, his information was showing up on my credit report. All I ask is the removal of the said bankruptcy from my file since they did not respond to my complaint within the allotted time prescribed by the law. I have supporting documents, but they are numerous, I will gladly mail them to you if you request them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a debt that was settled and my mortgage on my home is clear of this debt - the lien is clear as in the attachment you will see all has been cleared. I owe this creditor nothing. There are continued XXXX shipments and letters sent to my home. I have sent them the lien release documentation many times.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with KEYCORP (SC).
Issue: Account opening, closing, or management

Complaint: I HAVE BEEN GETTING XXXX CALLS XXXX DAYS A WEEK FOR OVER XXXX MONTHS FROM KEY BANK. I HAVE NEVER BEEN IN A KEY BANK IN MY LIFE. THEY SENT ME A LETTER OFFERING TO WAIVE MY LATE PAYMENT. I NEVER BORROWED ANYTHING FROM KEY BANK. THE NUMBER THEY CALL FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: To whom it may concern, The problem I currently face is one that has affecedt every aspect of my life. I have been dealing with this issue for the last 5 years. It started when I signed up for the federal student aid loan program because with out it, I would not have been able to pay for my education. Not only was the fact the the loan would continue to compile interest after making timely payments not disclosed to me, in addition every fee that sallie mae could come up with amassed a debt amount that I am ultimately not able to afford. My debt to income ratio exceeds 75 % which caused me to max out my credit cards because I literally could not afford anything and once my credit cards where maxed, I also lost my apartment as well leaving me with an eviction on my record. Having something like this on your credit pretty much disqualifies you from everything. The student loan program has done nothing but cause stress and ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Acceptance Co., LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account doesn't belongs to me ... inaccurate information showing on my credit report

Company response to consumer: Untimely response
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Machol & Johannes, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter of over 18 years rented and apartment without my consent and I do not even know where she lived and defaulted. The rental and collection agency have put the default on my record. 
XXXX. My social security number, dob and address are different from my daughter, why would they even think about putting it out on my file without even calling me. I dispute this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation