milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: Deposits were made to my checking account that did not have money to back the deposits up. I was not aware of this I withdrew the money. Now TD Bank is holding me to repay them back. XX/XX/XXXX the my Social Security check was deposited to the checking account the next day the bank had taken the money .I would like this money back can I get it back?

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (KY).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX checking account in XXXX 2016 with an offer for XXXX XXXX XXXX XXXX miles. I called and spoke to a representative to give them my XXXX XXXX frequent flier number so that miles can be credited to the right account. The representative noted on the account. I again sent a secure message to a citi representative on XXXX XXXX, 2016 who confirmed that I had met the requirement and the miles would post after XXXX XXXX. Now they are saying that the miles may not post. I am attaching their email to this complaint.

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 06-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Problems caused by my funds being low

Complaint: I have XXXX accounts with Wells Fargo. I was told when I opened them that my checking would be linked with XXXX of my savings account which was the primary savings account-meaning more money in it to avoid any over draft fees. I received fees when I had money in all XXXX accounts including the credit card account which would be the XXXX. I want all the fees back and in a timely manner. They are rude, disgusting and when the fees are returned I will be shutting down all XXXX accounts and going to another bank. Tell me how you would charge overdraft fees when all XXXX accounts have money in them?

Company public response: Company 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. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax data breech, I submitted a credit freeze request for my XXXX children 's accounts with all of the required information to the 3 major credit bureaus. This request was mailed on XX/XX/XXXX. Both XXXX and XXXX confirmed receipt of the information and subsequently placed a freeze on my XXXX children 's accounts. Not surprisingly, Equifax claims that they have n't received any information. Hence, not only did Equifax compromise my personal data, they have lost and comprised my XXXX minor children 's birth certificates, social security numbers and my driver 's license information. This company is literally giving away American 's  personal information. I feel violated and betrayed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good afternoon, I realize that there were some inquire that were on my credit report and then they were all deleted off and then all back onto my credit report without giving me the legally written notice that is required 5 days prior to them re-adding them. If Transunion had a computer glitch that 's TransUnion 's issue not mine. I did reach out to them on three ( 3 ) different occasion regarding this issue, once in writing and two times on the phone. I explained everything and asked them to delete the inquiries that they had illegally re-added. I am aware of the detriment of an inquires and the damaging affect of my credit score, I am upset that I have to even put in this complaint. Transunion is not about the consumer but about the companies that pay them to report derogatory information. My rights were violated by TransUnion.

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 02-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Late fee

Complaint: My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Payday loan () with MARINER FINANCE, LLC (FL).
Issue: Can't contact lender

Complaint: On several occasions I have submitted certified letters to company Mariner Finance regarding incorrect information on my credit file. I called and spoke with a representative in XXXX and ask that they provide me with proof that this debt in question belongs to me. Representative stated original company went out of business and filed were lost in the process of being reassigned. I followed up by contacting the corporate office regarding this error and The company has failed to respond and provide proof ( signed contracts ) of said debt. This is incorrect info does NOT belong to me and is ruining my life!

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Billed for internet services at a storage location where services have never been set up. Nor were they requested to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (UT).
Issue: Closing on a mortgage

Complaint: The Complaint that I am filing is about Shellpoint mortgage and the improper communication and treatment of us during trying to short sell our home which resulted in a foreclusure, and then also incorrectly filing credit information claiming that our account is still open with them to this day, when it was closed a year ago. We originally had our loan through XXXXXXXX XXXX. They sold it to Shellpoint. We tried to short sell our home and they did not tell us that we were not approved for a short sale until we had been trying for two years. We brought multiple offers to them and they failed to communicate with us. When we found out that we didn't qualify for a short sale the only option that was left was for us to foreclose. It took shell point 4 years to foreclose on our home loan. In which time we were just waiting around for it to happen. It finally foreclosed last year in XX/XX/XXXX, at which time the account closed. We found out that they were improperly reporting an account open on our credit last year and complained and called them to resolve it. They said that it was resolved. We checked our credit today XX/XX/XXXX and it says that they are STILL reporting that we have an account open with them that is in default. We talked to a Shellpoint manager and he said that this shouldn't be happening, but that's what they said last time and they never fixed it. Because of the way that this company has failed to perform it has hugely affected my family. The foreclosure should not have taken 4 years. My family is not able to buy a home. We are living in an apartment with XXXX kids now waiting for the foreclosure to go off of our credit and whenever we check the account is still listed as open. This is completely unfair credit reporting. We are perfectly able to buy a home and we would have been able to buy one if it were not for their misreporting and lack of communication. We are not even normally the type of people that default on payments and here we are still in an apartment 5 years later because of what this company has done to us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second complaint filed against Bank of america. I am on my third short sale agreement. They approved the first short sale, but buyer cancelled bc BOA was taking so long, asking repeatedly for documents they already had. Second short sale they finally rejected after I sent in a complaint against them. They said it was because I was current on payments. Only reason I was current on my payments was because I borrowed some money to keep it from foreclosing after the first short sale fell through only a few weeks before we closed. The short sale and mortgage depts refused to communicate. Even though I had a short sale contract they still pursued foreclosure. So, I remodified the loan to buy some time while we found another buyer. Now we are on buyer number three. My realtor submitted to equator a week ago the short sale and BOA still has not initiated it. I have tried multiple phone numbers to contact them. I have tried the number which they have instructed me to use : XXXX. I enter my loan number and follow the prompts and then get a recording for a voice mail box.I left two messages last week. I have been calling for a week now and still get the same message. Every number I call for BOA I still get that voicemail recording. I even went on the website and tried to chat. It said nobody was available. I called the mortgage and home equity line just trying to get a live person and each time i end up at the voice recording. This has never happened in the past 1.5 years I have been dealing with them. So now, we have another buyer and another contract and BOA is impossible to reach. We can not move forward without BOA initiating the short sale and my realtor has done her part. I can not even find a way to talk to any human at the bank in any department.

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 02-04-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The seller of the auto USA Santander Consumer agency sold th is car to me without disclosing the condition of t he car. The XXXX XXXX XXXX XXXX had a very bad deficiencies with the breaks that made the car low, stop right in the tracffice on the freeway .Also the car would n't breaks, it could be very danger because the malfunction who made by the car dealer XXXX XXXX, and with a recall after buying in this condition. I would like this problems solved because of the insufficient lack of safety when it was sold to me unrighteous. And could cause death to me or someone why driving it. I volunteer gving back them because of this problem they did n't give me an option in the situation to solve the condition.Now it is on my credit to collect for it after these notification. from the dealership .and now I have purchase a car through the third party on this Loan from Santander USA through XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and Experian sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned a private student loan from Navient for my then partner XXXX. My former partner made payments on time for nearly 6 years until he lost his job in XXXX. My former partner did not finish his degree, so he could not request cosigner release from the loan ( The loan holder must request cosigner release and there is a whole list of requirements that I was not aware of. I thought the loan worked exactly like my student loan from XXXX, after 2 years of on time payments, my cosigner was released ). Due to the confusing and unfair terms of the cosigners agreement, I am now stuck paying off the loan for someone I am estranged and ca n't contact.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
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 made a payment 29 days after my due date but they reported 30 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me at work pretty much every single day. When I am not there, they harass my boss asking her to tell them my working hours. She has told them she cant give them my work schedule, yet they persist and ask for it. They are very harassing. When I am at work, I am very very busy as is my boss. These repeated calls are harassing and interrupt my work as well as my co workers. I am getting in trouble because I get calls at work almost every day. I feel I may be close to getting fired for recieving constant calls at work. I have told them not to call me at work, but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.

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 11/14/2017 about Mortgage (VA mortgage) with LoanCare, LLC (NC).
Issue: Trouble during payment process

Complaint: I purchased my home in XX/XX/XXXX through XXXX using a VA loan. The mortgage servicer was XXXX and I had automatic payments set up in the eight years since. Apparently XXXX XXXX XXXX handed off their servicing of this loan to Loancare, a Service Link Company during XX/XX/XXXX of this year, and I never got any notice of the change. I do n't follow that checking account frequently as I moved out of this house in XX/XX/XXXX and have had it rented through a property manager since. During the handoff XXXX did not send my current mailing address, email nor phone number to Loancare. Over three months went by without a payment nor any contact from either XXXX or Loancare. I only found out about the error when I called XXXX to refinance this property and they notified me that I had delinquent payments. I reached out to XXXX who redirected me to Loancare. I found out that Loancare had been sending bills to my rental house, as that was the only point of contact they had for me. XXXX had and has my current residence, email and a phone number but failed to pass any of this on to Loancare. Both XXXX and Loancare failed in their due diligence during the change of mortgage servicer. Because payments were over three months late, my FICO score has been severely effected due to an error on behalf of two companies that made zero effort to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 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: Account information incorrect

Complaint: Hello Again CFPB : Now its my hopes that the Consumer Financial Protection Bureau is discriminating against me as a XXXX XXXX Consumer. NoW with that said, let me implore my right to file a complaint under Federal Law with CFPB, THANKS. 

Experian Credit Reporting agency is attempting to suppress my XXXX credit report by 1. Showing a Balance owed with XXXX XXXX XXXX XXXX in the amount of {$42000.00}, a Equity loan that I made as an XXXX man and paid off, but these XXXX XXXX are showing balance still owed, but I 'm contacting CFPB first and I 'm owed {$1.00} XXXX dollars by the government, upon receiving this, Experian, XXXX, and XXXX has to answer me in Federal Court, I 'm good at what I DO! 

2. Now because XXXX XXXX XXXX would n't include my XXXX mortgage loan on my Experian credit report, XXXX I 'm still in charge, XXXX the new ( server ) is on the job, on the block, and do n't think for one minute CFPB I do n't see you role in not having them report my Mortgage, see you do dirt and ignorant XXXX legally happen, but I want CFPB to understand, I know why you did n't investigate, did n't fine, did n't prosecute Experian for not adding Mortgage to my account, but its Ok, I going to subpoena your General Counsel to prove suppression, compromise, injustice, and discriminatory allowable practice by CFPB in its role. 

Lastly, XXXX I know that you folks at the CFPB has notes by my account, to not assist, because of the Power I possess and knowledge concerning DODD/FRANK, FTC role to not assist XXXX Consumer against XXXX, but I going to pick this conversation up and run with it and tell my story and sue and be compensated for telling the TRUTH, WOW! There 's no body stopping me, but me. Now as for my credit report, I 'm well aware of accounts with balances, 28 accounts to be correct, well this rat XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, a XXXX, did n't like the way I was able to talk boldly with this crook and he sabotaged my loan request to pay credit cards off, but guess, I still have over {$53000.00} worth equity in my house, I 'm still retired, and still receiving my retirement income, got it! I fight, legal fight all injustices against XXXX consumers, period, but I fight in the courtroom, I 'm 12 and 0 to-date, not an attorney, but I was trained well for 30 years plus in the business world and I consider myself pretty XXXX good following the Rule of Law against XXXX crook, and prejudice rat XXXX when they think you do n't see what they are imploring with XXXX games.

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