milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Problems when you are unable to pay

Complaint: Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (TX).
Issue: Problems when you are unable to pay

Complaint: On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan. 

In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments. 

I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices. 

I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card. 

This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday. 

I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Debt collection (Medical) with Capital Accounts, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: + Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. 

+ Con

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Unauthorized fraudulently used my Target account and exceeded my credit limit. I sent in documents Target requested police report, affidavit, charges I was disputing, and copy of my ID. This claim was filed last year and never resolved. I fax all my documents on XXXX XXXX and yesterday a customer service rep in the fraud department stated they never received them. I have the copy of the verification form showing the fax went through. I 've called Target over one hundred times to resolve this matter, but have been unsuccessful due to them not returning my calls and giving me uninformed information including hanging up on me several times. The person who is working my claim supposedly is name Sue but I have called her over 100 times left messages but she will not call me back. I have the documents showing I fax them on XXXX XXXX and will be sending them again on Monday XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I sent the followin commen to Bank of America : All I wanted to do was activate my cxard, # XXXX. Instead I get advertisements for " XXXX XXXX '' vacation in the XXXX, and loans. All I want to do is actiovate thje new care THAT I DID NOT ASK FOR If I ever experience this again, I will cancel my ssociation with your bank COMPLEtELY!!!! 

I still am not certain that I was able to renew my account. 

I had about six different promotions offered to me rather than the promised reactivation of my card.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ***IC SYSTEMS IS INEPT- THEY MUST BE HELD ACCOUNTABLE TO CONSUMERS*** IC Systems continues to report a debt that was paid years ago. I have called more than 10 times in XX/XX/XXXX and XX/XX/XXXX to have it sorted out but THEY CAN NOT FIND ME IN THEIR SYSTEM even using my full name SS number, past XXXX addresses etc. Yet, they continue to report this to the credit bureau. 

They do n't call or write letters- I only see it on my credit report and then I call them. I asked them what are we to do in this situation as it 's not fair to continue reporting it if IC Systems ca n't find it in their system to even discuss with me! 

When I call- they all say the same thing- sorry I ca n't help you, we can not find you in our system! And yet they are reporting every month to the credit bureau. 

I informed them I would have my lawyer take it from here but it seems very unfair the burden and expense is on me for doing so. I do n't know how else I can force them to get this corrected and hold them accountable for this error and the time, energy and effort I 've had to put into sorting it out. Not to mention the effect it 's had on my credit score and likely the interest rates I 've been on offered on my mortgage for example. 

IC Systems should n't be allowed to give consumers the run around like this and punish us for their ineptness. 

# #

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent letters to XXXX and Experian on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. Experian is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

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 02-08-2018 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: Information belongs to someone else

Complaint: cra violation equifax breach cause me to destroy my credit file XXXX  taking more than 90 days to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with Altisource Portfolio Solutions, S.à r.l. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.

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 06/17/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: disputed a debt on XXXX report, called Hospital to get information about debt. asked if they used a XXXX. in XXXX from XXXX XXXX XXXX, Hospital staff connected me directly with a company that handled collections for XXXX. ( XXXX XXXX ) ... they said they had no information on me. XXXX report showed Commonwealth Financial as collector. Got # called them told me by phone debt was {$170.00} & service date was XXXX/XXXX/XXXX @ XXXX XXXX XXXX Hospital in XXXX XXXX ( never been in that Hospital ) I was seen in ER @ XXXX XXXX XXXX. in XXXX on XXXX/XXXX/XXXX & admitted. @ time I had XXXX insurances XXXX & XXXX ( was in process of filing for XXXX ) & Insurances paid bills in full ( {$0.00} balance ) Collection Co. just seemed to make up a balance? Lied to me about amount ... Person I spoke w/ a collections is XXXX XXXX Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ext XXXX ) I asked for letter for validation w/ date of service/amount/date of last activity/etc ... ( He pretty much told me He 'd send their standard statement ) would not tell me what info would be on it ... The {$170.00} is bogus & 2 years different on date of service. Seems like a case of FRAUD to me??? Tomorrow I 'll mail a cease & desist letter w/ a request for Validation letter ... Filed a complaint w/ XXXX as well. will gather supporting evidence from hospital & Insurance companies. We 'll see if I 'm sent anything from them? Want this removed from Credit Report. Seems like my credit report is full of mistakes ... lodged other disputes. I do n't have perfect credit & do n't claim to be a saint ... BUT WRONG IS WRONG. I 'm trying to repair credit ( I do n't need errors/fraud, to make it any harder than it already is. )

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX  and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with National Enterprise Systems, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After multiple request of complete validation or any proof that i owe this debt not owned by me by mulitiple companys what was requested by me by certified mail in witch i have proof and no proof ever has bin provided, again sold to another debt company ( bottom feeder ) trying to claim i owe this debt after 10 years THERS NOTHING OUT THERE I want them to stop with the harrasments of this XXXX they say i own them and stop selling this bogus debt to any other companys out there or i will sue any of them with you help they might stop ty The new companys name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Originale creditor XXXX XXXX XXXX  XXXX XXXX Accout Number XXXX NES XXXX : XXXX XXXX Amount they claim i owe {$1600.00}

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 05/24/2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (MA).
Issue: Settlement process and costs

Complaint: I have a VA home mortgage loan with Flagstar Bank since XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that my loan was transferred to XXXX XXXX XXXX Bank and this was my 15 day notice, the letter was delivered by the USPS, first class on XX/XX/XXXX. When I called Flagstar Bank to ask why it was being transferred, the customer service representative " it is just banking, how it is done '' she then said because the loan was being transferred I would have a sixty day " grace '' period to make the XXXX payment to XXXX bank. Asked about the letter being delivered with only 8 days left in the customer notice, she said " the XXXX took 7 days to go from XXXX to XXXX ''. I disagreed with that statement and said " the customer is supposed to get 15 days notice '', if it takes 7 days to deliver it is not 15 days. 
I investigated XXXX bank and called their customer service number, the " 60 day grace period '' is false, only 15 days. The bank is also a " debt collection agency '' with an abusive track record. The bank, from the reviews that I have read, is only interested in forcing the customer in foreclosure by any means, losing paperwork, rewriting the rules, increasing penalties and not having a customer service representative stay with your case. 
I feel that this transfer is a poor choice and that I will be spending money on a lawyer and answering harassing phone calls. 
XXXX this is not how I want to spend my remaining years fighting with a profit driven bank. 
I have included the transfer letter and several pages of customer reviews of XXXX bank practices. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are in Foreclosure and trying to sell this home. We have a short sale and the first lien holder can not give us a short sale approval since there is a 2nd mortgage on the sellers title. After speaking with customer service for Chase Home Equity Mortgage XXXX, they stated that this file was no longer in their system, and that if I need a release of mortgage I would have to send written request for that release of mortgage. We have Fax a request to Chase Equity Research Department on XXXX XXXX, 2017 and again XXXX XXXX 2017 and have been unable to get anyone to respond since the Research department does not provide a phone number to JP Morgan Chase Home Equity Mortgage equity research department for a Washington Mutual WAMU Equity Plus Mortgage XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit monitoring alert letting me know someone had opened a PayPal Credit account using my information ( name, SSN, and birth date ). When I called PayPal Credit, they would not release any information about the account because the phone number, physical address, and email address did not match, but they did close the account and open a fraud investigation. Nonetheless, I want to know why this credit line was approved when the phone number and address to did not match what is on my credit file. I think PayPal Credit 's risk policies/account origination procedures need to be re-evaluated. This seems like an egregious error to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My information and my XXXX brothers information is being included together because our social security numbers are a digit off

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about.

2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about.

3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about.

5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.

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