milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2015. I went to my local TD bank at XXXX XXXX XXXX XXXX. in XXXX Fl. 
I attempted to deposit {$220.00} in cash. The ATM returned only {$180.00} dollars. It asked me how much money was in my deposit. Since it returned XXXX dollars. I said {$40.00} it gave me receipt. I thought since the money was not organized the was the problem. I attempted the deposit again. Put in the remaining XXXX. And it gave me XXXX back. Asked again and they mistake. I said XXXX again. It was actually XXXX. The next day I went inside bank and informed them and they credited me the XXXX dollar difference. 9'days later. They took the XXXX dollar out of my account as if I did not make deposits. I have went to bank 3 times complaining. They hated filed dispute 3 times to no avail. It 's not much money mbut its my money. And I would like it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Johnson Mark LLC (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: X/XX/17 I received a Court Document Notice of Appearance of Co-Counsel : Certificate of Service -dated X/XX/2017 from In the District Court of the First Circuit Court XXXX Division State of Hawaii about Notice of Appearance of Co-Counsel- regarding a  debt from XXXX XXXX XXXX . ( Which said company does not appear anywhere on any of my credit reports ) I have never received any communication about this debt from XXXX XXXX XXXX and or Johnson Mark LLLC, - Lawyers listed on XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Also Listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( with this law office ) This is my first notification about this debt collection- Again XXXX XXXX XXXX does not appear anywhere on my credit reports- so what debt are they collecting for -- -- I am preparing to send a certified priority letter ( hopefully to mail out XX/XX/XXXX ) to them about verification of said debt - under Federal Trade Commission 15 U.SC, 1629g Again I have never received any communication about this said debt and this collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had  XXXX  auto loans with  XXXX  and was late  XXXX  x for 20 days on  XXXX  xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to   XXXX    and concluded info is correct yet when i call  XXXX , they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (CA).
Issue: Received a loan you didn't apply for

Complaint: Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. 

On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. 

On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! 

On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd (  that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. 

On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. 

That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. 

I need these scammers to be prosecuted for stealing my personal information. 

I very much appreciate immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with AllianceOne Recievables Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have never had such medical bill. I have never visited medical facility in the mentioned place. I just saw the derogatory marks in my credit report XXXX morning and that to XXXX bills from same place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am not sure how many more times I can do this without finally concluding the only way to resolve this is through the court system. 

On XX/XX/XXXX, I filed my 5th CFPB complaint against TransUnion case # XXXX, Concerning accounts on my credit report that were the result of Identity Theft. 

I provided a detailed chronological history and documents supporting my claims. I even forwarded my complaint to CEO XXXX XXXX XXXX I showed that I had followed all the requirements to have ID Theft accounts blocked from my report. I was also able to show numerous untruthful statements and violations by TransUnion. 
As a result, TransUnions response on XX/XX/XXXX assured me that all the accounts I had filed as a result of ID Theft, were either previously removed or would be removed. ( see attached CFPB case XXXX ). 

However, after viewing my TransUnion credit report two ( 2 ) XXXX accounts continue to remain ( see attachments XXXX XXXX and XXXX XXXX ). Despite the fact on the following dates I had reported both XXXX accounts as a result of ID Theft and requested TransUnion to block them. ( see attached copies of TransUnion/XXXX   tradelines ) On XXXX, XXXX I filed my first ID Theft claim and request to block numerous account including 2 XXXX account. Results : No response from XXXX and accounts were not blocked On XX/XX/XXXX I filed a 2nd claim with TransUnion and XXXX identifying these XXXX accounts as Identity Theft. Results : No response from XXXX and accounts still not blocked Note : Twice, in XXXX & XXXX, I had sent certified letters, documents & an Affidavit to XXXX advising them of my ID Theft claims and requesting them to investigate and provide me with those results. To this day I have not received a response from XXXX. 

I would like to think this was a simple oversight and hope TransUnion recognizes their previous response along with my previous ID Theft claims. ( See attached ID Theft claims FTC Report Number XXXX from 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 non-monetary relief
Consumer complaint received 11/22/2015 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am being harassed and threatened by Shellpoint Mortgage Servicing. 
Pursuant to the XXXX suit between investors, XXXX XXXX XXXX and XXXX XXXX XXXX, Shellpoint is XXXX of the approved servicers for XXXX. 
I have no outstanding mortgage with any entity mentioned herein yetShellpoint continues to send me threatening letter to foreclose on myproperty unless I pay them money. I owe them nothing. They areviolating numerous laws by threating to take a legal action they cannotlegally take. I have made numerous demands for Shellpoint to stop theirattempts to collect a debt that is not due and to stop contacting me, yetthey continue with their predatory, misleading statements, false claims, anddeceptive acts and practices. Seven years into the greatest financialcrime ever perpetrate in the annals of the world and this behaviorcontinues unabated. Moreover, I never contracted with any party namedherein and no party ever perfected a lien prior to my 2008 Ch. XXXXbankruptcy. 
Kindly stop these XXXX of old from harassing me. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called XXXX XXXX. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.

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 02/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX 2015, I was forced to pay a Judgment that is reported by a third party for {$1800.00} to XXXX XXXX XXXX, On XXXX XXXX, 2015, I sent a copy of a cashers check and a letter from XXXX XXXX XXXX requesting to Experian requesting to delete or update my credit report. Experian refuses to update, or delete on my file regardless of my request, letterhead by XXXX XXXX XXXX " requesting that to delete it on my file as per request by XXXX XXXX XXXX ''. I 'm unable to rebuild my credit, this on going issue is causing my family financial injury " injury as I 'm unable to have my name added to a mortgage '',

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 09/26/2016 about Payday loan () with Main Street Personal Finance (LA).
Issue: Charged bank acct wrong day or amt

Complaint: On XXXX XXXX, 2016 I paid {$55.00} ( receipt ) is attached. That brought my remaining balance to {$300.00}. The lady advised that since I was just renewing my loan I would have to write her another check for {$350.00}. I explained that I did not have any more checks. She said you can bring your check in when you get it, but just pay the {$55.00} to avoid the check being deposited. I went to the loan store on XXXX/XXXX/16 to render the check. She told me that they had cashed the original check for {$350.00}. She apologized and said that all she could do was possibly refund the {$55.00} I paid ( when i asked for the refund she said she could not do it at this time ). My complaint is that my balance owed on my account was {$300.00} on XXXX/XXXX/2016 and they cashed a check for {$350.00} on XXXX/XXXX/2016. I did not authorize that transaction and it is fraud. They told me if I paid the {$55.00} to renew my loan they would not submit it to be cashed as I had settled my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: USAA opened an account using variations of my information. The debt has since been paid but USAA refuses to update the records with  XXXX   XXXX   XXXX ,  XXXX , and  XXXX  that the debt has been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove XXXX unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX my id is attached please verify my signature

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (TX).
Issue: Settlement process and costs

Complaint: Applied for a loan with XXXX XXXX, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by Quicken Loans, although the {$1800.00} in fees was higher than on the GFE. Quicken issued several subsequent GFE 's, each one incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via USPS on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of XXXX XXXX the morning of XX/XX/XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not what was verbally quoted nor in the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed XXXX, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
XXXX XXXX did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred on the loan issued by Quicken Loans were {$1800.00} more than originally quoted by XXXX XXXX. 
Complaint : Despite numerous requests through our loan broker for a corrected GFE, Quicken Loans did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. The HUD statement was also not issued until the very last moment, not allowing time for any corrections without delaying closing. 
An aside, XXXX XXXX advised that information from Quicken was sent via USPS and e-mail, however, no e-mail was ever received from Quicken Loans. 
I believe that this issue is an unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo Bank ... ... ..I had an checking account with Wells Fargo , stop direct deposit and had all my automatic payments stop from their bank. For some reason they continue to charge me overdraft fees, then closed my account ... ... this been about 4 months ago, now on X/X/2017, they closed my savings, due to no activity and a XXXX balance ... .but allowing me to keep my credit card account ... ...

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 07-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was informed by Bank of America that I have qualified for a mortgage modification. I received the new mortgage as well as the new terms. However, two days ago I received my old mortgage statement as well as a bill to pay my old mortgage. As I understand, the new mortgage replaced the old mortgage. I now have XXXX mortgages.

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 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My report has me living in a different state

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 04-09-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a bankruptcy on my credit report that 's has been discharged Equifax reported to me they verified the bankruptcy which they did not they used XXXX which also did not verify I have enclosed a letter from the courts They Do Not Verify Bankruptcy therefore Equifax violated the Fair Credit Act by providing false information I want this deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Upon an attempted request for a modification package needed a few months go, this company continue to keep giving a ring of a run around telling me that someone will be contacting me and I have yet to receive a call. I had to send a via certified mailed letter in to get a final acknowledgement of received signed request to add an authorized person to the account, after several failed attempts in faxing it to the fax number provided. 
Dealing with this company seems to be like pulling teeth and they continue to just keep you on a goose chase, just in getting information in an attempt to prevent a possible foreclosure before matters starts to get tighter with my brothers health care financial needs.

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