milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Money transfer, virtual currency, or money service (Debt settlement) with TD BANK US HOLDING COMPANY (PA).
Issue: Confusing or missing disclosures

Complaint: I have a line of credit with TD bank. I pay the balance via online pay at  onlinebanking.tdbank.com usually 2 wee ks early.   I paid the entire balance that displayed on the website of {$4000.00} on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX , I noted that there was a {$20.00} charge on the line of credit. I presumed that this was an interest charge. I paid the {$20.00} and there was an immediate {$5.00}. I called  TD Ba nk and spoke to  XXXX , then her supervisor  XXXX   XXXX  (  XXXX  ) at  TD B ank explained that there is no way to see the entire balance. As a consequence, my balance accrued interest in the amount of {$20.00}.   Once I paid this balance, there was anther accrued interest of {$5.00}.   The only way that customers must call to find out the true balance is call.   This, I believe, is deceptive practice, as I have accrued interest on a balance I did not know existed. This is a hidden fee that is unfair. I do not think I owe them any interest and have asked that they refund the {$25.00}.    TD B ank should be required to show the entire balance owed to ensure that are not deceptively charging customers for hidden balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NJ).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, Hudson City Savings Bank ( see CFPB case id : XXXX ) merged into M & T Bank Corporation. My mortgage for my primary residency, which I owned since XXXX, XX/XX/XXXX ( 15 years ) and resided with my wife and XXXX children fell behind in XX/XX/XXXX as my business failed. I went into pre-foreclosure in XX/XX/XXXX with Hudson City ( HCSB ). <P/>After 4 years of back and forth with HCSB submitting loan modification forms, appearing in superior court in XXXX County, NJ, and over {$15000.00} total in attorney fees and assistance, we were not able to come to an agreement on a loan modification, even though both my wife and I were working and making a strong income since XX/XX/XXXX. <P/>HCSB went silent from the period of XX/XX/XXXX through XX/XX/XXXX, no activity on my foreclosure proceedings, though they continued to pile up the late fees, penalties, and non-payment interest monthly. <P/>In XX/XX/XXXX I was contacted by M & T Bank Corporation, the new owner/servicer of my mortgage via the merger from XXXX, which was fined by the CFPB and DOJ in XX/XX/XXXX for XXXX XXXXXXXX for Mortgage Discrimination, obviously systemic issues within the organization. <P/>M & T, after numerous attempts to have them send me a Loss Mitigation package via postal mail fell on deaf ears, finally sent me a package with instructions and I submitted all my required documentation in XX/XX/XXXX. <P/>In XX/XX/XXXX, M & T contacted me with a system generated 'generic ' letter saying I did not qualify for a 'Retention Workout ' option, I was rejected. <P/>Within the letter, they offered a 'Right To Appeal ' and I submitted my appeal within the timeline given. To this date, I have not received a formal written notice on the decision of that appeal ( I have attached to this compliant ) which in the letter says I would be receiving from M & T Bank within 30 calendar days of receiving the appeal and documentation ( attached ). <P/>Also, M & T discuses 'Investor Guidelines ' that were not met based on my loan modification materials ( see attached document 'Net Income Modification ' ). To this date, I have received no formal investor guidelines from M & T Bank for review. <P/>Please see attached supporting documents attached. <P/>Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has placed an account in collections in 2015 for a payday loan from XXXX. It 's been over 7 years so it should no longer be reported on my credit not that it was just placed for collection so that it will fall off my credit in XXXX. I have not received any written communication from these shady people either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Carrington Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Authorization has been faxed in starting XX/XX/XXXX, and also on XX/XX/XXXX, and multiple times on XX/XX/XXXX. 

I spoke to a rep from CMS today and I was told they are running about 30 days behind on processing authorizations, as they do not have the staffing to process their current file load. 

What is is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Fraud or scam

Complaint: I am unable to access my funds on my Rushcard. My balance went from {$700.00} to {$8.00} in one day and I didnt use any of the money. Now I ca n't get in contact with anyone with answers and my lights have been disconnected. Can someone please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Customer service / Customer relations

Complaint: At & t credit card customer service not answering at all, on hold for hours

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Security Breach of personal information which puts my financial future at risk for the rest of my life. 
Equifax negligently provided my personal information to outside parties without my knowledge or consent and provided all my pertinent and personal information in such form and as complete as to ensure that I will have to deal with the results of their neglect and improper handling of my financial information and identifying information for the rest of my life. 
EQUIFAX has NOT provided proper notification of the security breach. 
EQUIFAX has suggested they will provide a 12 month monitoring service for my credit. 
The remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the considerable on-going life-long risk of damage to my personal finances, business opportunity and reputation. 
EQUIFAX MUST NOT BE ALLOWED TO RETAIN ANY INFORMATION ABOUT ME OR MY FINANCES IN ANY WAY SHAPE OR FORM AND MUST PURGE ALL INFORMATION ABOUT ME FROM THEIR SYSTEMS IN A WAY WHICH IS NOT RECOVERABLE AND SAFELY PREVENTS ANY FUTURE ACCESS BY EQUIFAX THEIR AGENTS OR EMPLOYEES IN PERPETUITY. 
Further, I should NOT experience any penalty or discrimination as a result of refusing to allow EQUIFAX to handle any information relating to me or my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Debt collection (Medical) with Professional Service Bureau (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On the day of the medical appointment my spouse and I showed up at the XXXX XXXX and checked in with the insurance/payment person. I stated that my insurance had recently changed and if I was not covered, I did not want to be seen ; rather, I would walk away from incurring the charge because I could not afford it. This was all witnessed by my spouse. The insurance person made some efforts to confirm my coverage and told me that I was certainly covered and there would be no problem with going forward with the visit. Of course, later, the XXXX billing department said I was not covered and demanded {$2500.00} for XXXX visits, all charges worked up for the XXXX XXXX doctor 's visit. I offered to pay the amount of my typical deductible, which was refused as payment. They required me to submit to their disputed bill department, which I did, to no avail. Then they repeatedly called me, threatening to send the bill to collections to ruin my credit rating despite the fraud they committed upon me, again refusing just payment, as they promised to accept at the time the service was performed. And now I receive a collection letter from a law firm telling me to submit the same information all over again if I dispute the outrageous charge. On XXXX treatment visits, I rehearsed I did not want to be seen if I was not covered by insurance. My new insurance flatly refused to pay XXXX charges ( XXXX XXXX XXXX XXXX XXXX Arizona ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). 
I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2015 about Consumer Loan (Installment loan) with Carma Enterprises Inc (NV).
Issue: Problems when you are unable to pay

Complaint: I have told Las Vegas finance numerous amounts of time as well as my Co workers that I am not allowed to have personal phone calls at work cause I can get terminated..they keep calling telling people I they are from Las Vegas finance.they even called my district manager.on XX/XX/XXXX. They do n't even say it 's a business matter straight to Las Vegas finance loan conpany.even after I 've told them I need more time to pay

Company response to consumer: Untimely response
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Columbia Recovery Group LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Columbia Recovery Group is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting XXXX MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but Columbia Recovery Group is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX called my mothers house and left a message stating my mothers name and it was concerning a claim against her and her home. Of course my XXXX mother called back scared to death someone was trying to take her home. ( I kept this voice mail ) When my mother called them, XXXX XXXX stated, he was actually looking for me?? Then they proceeded to call my employer, which I am unable to accept any personal calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; XXXX and their collector Portfolio Recover Associates, LLC. I notified both creditors on XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XX/XX/XXXX, I was XXXX years old when the account was opened. I received a response from Portfolio Recovery Associates LLC that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XX/XX/XXXX pointing out that I was XXXX years old when the accounts were opened. On XX/XX/XXXX I received a letter from Portfolio recovery associates LLC requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Bankruptcy Case No : XXXX CALIFORNIA. Real Time Resolutions ( RTR ) filed fraudulent mortgage loan documents with no dates, under penalty of perjury in their untruthful claim # 1 then tried to cover it up with all kinds of moot court cases. That has nothing to do with the fraud they are trying to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and Transunion and XXXX requesting that the incomplete reporting of my XXXX  account information be changed to reflect the correct XXXX reporting of my XXXX account.

I have not heard back from XXXX XXXX XXXX. Transunion and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX  and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by Transunion and XXXX, but are being reported correctly on my XXXX credit report.

My request is that XXXX reports the same information to Transunion and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments.

Thank you.

Concerned Consumer

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 10/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: online informed them that my XXXX daughter is incorrectly listed on my credit report but none of the agencies have responded to me in over 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: There was a charge on my account for a purchase that I never physically received. This charged was on XXXX XXXX, 2017. I then went on vacation and came back injured. I XXXX XXXX XXXX in my XXXX and XXXX my XXXX. During this time I was not aware or focused on the dispute due to the fact that I thought I could get in touch with the store to get a refund or at least a credit. 

Come to find out, the online store was a scam. I never received my product and now Best Buy told me that they ca n't do anything about it because I did not dispute it in a timely manner. I was injured and again, did not know the online store was fraud and I would not be able to dispute it with them. 

Best Buy then told me to fax over a written note to the investigators to further look into the matter and they would reach back out to me. This never happened. I faxed them what they requested in XXXX, and I still have yet to hear from someone.

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 monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Equifax representative took it upon themselves to add a included in bankruptcy status on my student loans. That were NOT discharged in bankruptcy but rather paid by XXXX XXXX XXXX and Im still currently making payments on them today. I did not dispute these accounts neither did the creditor report them as being included in bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a credit card with Comenity Capital Bank ;  XXXX   XXXX   XXXX  ;  XXXX , Oh  XXXX  ; and charged one item for {$19.00} in  XXXX ,   XXXX  . I paid the bill in full  five day s ahead of the due date. The sent me a statement saying that it was late and charged {$39.00} in late fees. i  XXXX  I wrote them a letter stating that I did not think this was fair as I sent the money timely. I asked that they cancel the late fee and close the account. About a month later I got a letter stating that they closed the account and then later another statement showing another late fee charged.     I have written them  three times over the past nine  months. The first time in  XXXX    XXXX   ; the second i sent a certified letter on  XXXX   XXXX ,   XXXX   and then again more recently on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,  XXXX  I returned a very rude telephone message that I received from a  XXXX  demanding that I pay the then bill of {$190.00} ( all in late fees ). She called my office number which I did not authorize. I told her not to call me on this number again as I am not allowed to make personal calls and offered her {$20.00} to end the whole thing. She refused and threatened to refer me to their legal representative and insinuated they would damage my   credit score.
At this time they are charging over {$200.00} in late fees all on a one tim  e purchase of less that {$20.00}. I think this predatory and ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My Bank of America Travel Rewards Credit Card is set up to automatically pay the full due amount every month. It deducted the amount fine last month but apparently did not deduct the amount due this month on XXXX XXXX,2017. Because of this, I have been trying to call BofA to both pay the bill and to get the late fees removed. I should not have to pay late fees because the bank failed to process payment even though it is set up automatically to do so. Bank of America has one of the worst online banking websites I have ever used. I just want to add that. I have been calling and using chat to try and get these issues resolved. I have to say Bank of America has some of the most ineffective customer service personnel as well. I have finally had to resort to using CFPB complaint form as a way to get heard and to hopefully resolve this!

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 monetary relief