milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I had requested an expedited external transfer for an additional {$7.00} fee on XXXX/XXXX/2015. However, TD Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of {$100.00} by {$7.00} ( to {$93.00} ). I immediately transferred an additional {$15.00} to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged {$15.00} on XXXX/XXXX/15 ( XXXX! What XXXX! ) for falling below my minimum balance for less than 72 hours. I feel that the bank intentionally delayed the deduction of the {$7.00} transfer fee in order to collect an additional {$15.00} fee. I had called them and they gave me a typical, pre-scripted response, and claimed that they were unable to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America closed my account that was opened for 14 years because they asked for a document that I couldn't get. They requested that I get a copy of the articles of incorporation. The company was formed in XX/XX/XXXX. I sent over what was received from the State at that time along with a letter from the IRS. The only way I became aware of this need is when they froze my account and individuals who I had written checks to said they weren't honored. Immediately I called the bank to find out the reason for this action. They said they tried to contact me which wasn't the case. I have on my profile cell phone numbers and office numbers in addition to my physical address and PO box and email address. There are no records of them calling me nor could they produce the alleged letter that was sent. When I made contact and was told what was needed I sent it to them the very night via fax. Several days later the same thing occurred again without notice. This time I went into the branch to provide the required documents. The customer service representative called and received instructions how to remedy the problem, we followed the instruction to the letter and the same things happened again the account was seized. Each of the times we presented the documentation we were then told something different was incorrect. I went into the bank on XX/XX/XXXX again to provide the documents that was requested to be then told my business account was in a locked status and no one could unlock the account. XX/XX/XXXX I was told the funds would be returned to me via overnight since the account had been closed. Per instructions of the Branch Manager I called on XX/XX/XXXX to track the status of the check only to be greeted by the most incompetent customer service representative. She then told me the funds could not be overnighted to a PO Box , which my physical address is on file. The nature of my business is affordable housing. The funds seized were funds that are to be dispersed to low income families. As a result of this situation not only have I had to pay charges for returned checks I have suffered a disruption within my business which is preventing me from meeting my financial obligations. As of today XX/XX/XXXXno one can definitively tell the status of the check which XXXX XXXX is too much money for them not to attach a tracking number of some sort to the mail. I see this as an example of " Big Banks '' doing what they want to the small businesses and we have no recourse or choice but to take it. If I could afford to take them on legally I would.

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 10/23/2017 about Mortgage (Conventional home mortgage) with First Direct Lending, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: first direct lending offers a free appraisal cost if i consider refinancing with them. I submitted all they needed from me, lock in the rates, and told me my loan will be closed before the end of the month. 
Said they will cover the appraisal but needs my credit card to hold a 50 % cost of it. 
I agreed to give them my Credit card.it took more than a week for them to update me after the appraiser went to my place. 
I havent got a word from any of them after the appraiser, only an email of " adverse notice '' they did not approve me of the loan but has charge {$220.00} on my Credit card. They know this is a refi to help me pay off my credit cards. XXXX XXXX XXXX has put me more indebt than i am now. XXXX XXXX is very deceptive with their business, applies false advertisement and preys on soft target clients like myself. 
i could have saved time and money if not for their sweet talk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : Phone : ( XXXX ) XXXX Fax : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not follow appropriate security protocol to protect my information. They have repeatedly failed to protect my information as a consumer. As a result of their poor security protocols my financial information is compromised which can lead to indentity theft, inability to secure loans in the future, loss of money and time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, Recently I have noticed several new negative accounts added to my credit report. The accounts are listed as " Trident Asset Management ''. The address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( see attached ). I am unaware of these accounts and mailed a letter directly to them requesting validation. Today I received notice that " My item is undeliverable and will be returned '' ( see attached ). Please let me know if there is any additional information you need in order to process this request. Additionally, I will upload a photo of the returned letter when it arrives at my address. Thank you for your help in this matter. 


Additionally, I was never informed of these alleged debts and never received a notice of right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On Experian there has been items on that do not belong to me and other people Social Security Number is link to my credit report the had me married to my mother had several incorrect mailing address and things that was satisfied or good standard as negative and they reporting thing from XX/XX/XXXX or XX/XX/XXXX. Please investigate XXXX, Experian, XXXX for there reporting policy and procedure and ensure that are following United States Federal Regulations also check phone line option it did not give you a choice to speak to customer service representative because I call prior to going online to dispute item on my credit report what they do when you have a customer that do not have access to internet we do not have the right to dispute the item on my report. Please this is problem that occured and why does it take so long to receive a credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested in ( XXXX 2016 and XXXX 2016 ) to Equifax to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They never provided me with the information requested yet claim that the information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Trouble during payment process

Complaint: I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX  payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017.  It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Since XX/XX/XXXX Navient has incorrectly applied my payments and continues to do so. They are applying my payments to a consolidate loan rather than across all of my loans despite being noted on my payment. then each month they call and harass me about being delinquent each month I have to argue about how they applied the payment to the same loan over and over again and not to all of the loans. Here is my recent communication about the matter. " Why in the XXXX do you keep applying my payments to the same loan, then you send me a past due notice or call me for additional payments. Please apply ALL payments across ALL loans. You need to adjust my payments applied to loan XXXX and XXXX and spread across ALL. I paid a total of {$840.00} the month of XXXX before the due dates. They are applying my payments to the Consolidated loan through Navient, and leaving my federal student loans as unpaid and past due. <P/>I am pending a response from XXXX this has been ongoing since XX/XX/XXXX. <P/>In addition I have been paying on my loans since coming out of deferment during school attendance- XX/XX/XXXX and XX/XX/XXXX. My interest rate is 6.8, why have my balances gone up, I have paid nothing on the principle and very little in interest- the balance just keeps growing. I know they never want you to pay them off but after paying for 10 years my XXXX should be almost paid in full. And my graduate should be paid in full in XX/XX/XXXX. Not going to happen at this rate. This system really needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Beginning XX/XX/XXXX, I needed to get a vehicle using my credit. To my shock I kept being told that my score was extremely low. I was n't shocked that it was low because I typically always pay with cash. I begin to look at my report and they are riddled with information that is NOT mine. I began to send via fax and call on the telephone reporting these inaccuracies on my reports. At the same time, I began to research the FCRA at length, and I am appalled of the items on my report and how they got there..I can not tell you the number of times I have called XXXX, Transunion and XXXX . I have had some things removed but these bureaus are not following the law regarding removing items that are not physically verified. There is no original documentation of these debts proving to be mine. No signature or ID..Repeatedly I have disputed the SAME items, and they remain a part of my credit file. These Credit Bureaus blatantly and defiantly break the law and I am suffering because of it. My score NEVER reflects the deletions. For example, recently XXXX Judgements were removed and my score stayed the same. It is a travesty that I am being punished for debts that were NEVER mine buy agencies that are supposed to have clear accurate information.. 


Thank you for your consideration and prompt action in this matter. 

XXXX 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 06-12-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (PA).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,  XXXX , I had a loss in my home and reported it to  XXXX   XXXX  ; which was my homeowners insurance carrier at that time. A gentleman came out to assess the damage by the name of  XXXX   XXXX   (  which you will find the estimate attached ), A check was sent to me from  PNC  Bank for me to SIGN ONLY AND TO RETURN THE SIGNED CHECK BACK TO  PNC  BANK  ( f or which I did in  XXXX  ).     Sometime in  XXXX  of  XXXX , I had the work completed and sent the necessary repair papers in the mail to  PNC  Bank  (  the first time I sent the papers in I never heard anything back from them ). I processed to call them and was told that they had not received them. I resubmitted the papers again and again ; and there was always a problem with  PNC  Bank kept losing or misplacing my paper work. The last time I resubmitted the paperwork was in  XXXX , it is now  XXXX  and  PNC  Bank is still holding my check.     I received a letter from PNC Bank on  XXXX   XXXX ,  XXXX , stating that they had just been notified of an insurance loss that happened in  XXXX . When I was told in  XXXX , that it was being held in a special account  (  the interest rate should be high for  seven years ).     I have looked everywhere for the paper work from seven years ago. Now that PNC Bank has transferred my account to    XXXX  , WHERE IS MY MONEY FOR MY LOSS??????     PCN put a lien on my home for {$5000.00} dollars ; since my account has been transferred ; did n't  XXXX  pay them off???

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with Midwest Loan Services, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my condo. the new loan is serviced by Midwest Loan Services. 
As was my old loan. I have never been late. Until, I paid my first payment on the new mortgage. I requested they add a homeowners insurance impound so the amount of the payment changed and I made two payments. 
I was off by XXXX cents. They were nice enough to call me right before a week- end and requested my checking account info for the XXXX cents. They said bill pay pay might not be in time. They say I gave them the wrong account info and they have a have recording, I have not heard it. IF I erred, I certainly do n't know where. I read I read the numbers directly from my check. Now they are charging me a late fee. While I 'm guessing this is legal, it 's also not right. I can not afford extra payments. I 'm a single mother of a XXXX and I have no otherfamily to turn to. 
It seems to be more than unethical, if not illegal. I tried to reason with them. 
It did n't work. I would like the late fee waived without affecting my " Once in 30 years waiver of a late fee. I 'd like to save that for retirement if I can ever afford to retire. Retirement is not likely with companies like this taking every ' single dime they can get from people just because they can. 
American Greed Run Rampant

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Info was affected by the XXXX  breach. I contacted transunion and creditors in regards to inquirer that i didn't authorize even sent in information confirming i was affected. After to speak with several rep and supervisor they stated nothing could be done to remove the inquires. So this is why i reaching out to you

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 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was in deferment for about a year. I selected a lower payment that consisted of  XXXX  monthly for 24 months, and then it would go up based on income. They approved this, and I set up auto pay. When I set up auto pay it said to make first payment manually so I did. After I did that it paid the first  XXXX , little after that I got statement that said  XXXX . I called and they told me it was error from system and that they would fix it. I call back a month later because it was n't solved and spoke with another rep that said he did not know what happen but that he would have someone fix it and send me email. Today I receive another email stating that my terms for payments have changed and now my new monthly payment is  XXXX  starting  XX/XX/2017   . I feel like they are doing fraud by lying to me of what my payment plan is supposed to be. I am suppose to be paying  XXXX  for 2 years and then change to different amount. They have scammed me to pay more each month instead of after 2 years. I am looking forward to take legal action against them if possible. Then the email says it wo n't affect my current payment, but my auto pay says  XXXX .

Company response to consumer: Closed with explanation