milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Do to health issues, loss of employment and a divorce I fell behind which sent me in to the foreclosure process. This started in XXXX, I made every attempt to get a loan modification. I was assigned a Single Point if contact, XXXX throughout the 3 yr process. I 've never spoken to XXXX them. I 've spend over 40 hrs on hold, being transferred to n fro from Dept to Dept. I ended up having to file bankruptcy to get them to work with me. This entire bankruptcy cost me more than my arrears. I finally got my loan modification in XXXX of XXXX. Thank you. But because I was still in the bankruptcy process I was n't allowed to make payments online. To make a payment by phone I 'm charged an extra {$15.00} per month. I 've been told for 3 months now I can pay online but when I try, I receive a msg telling me I have to call. Then I 'm charged extra, on hold and bounced to a minimum if XXXX depts and told I should pay online to avoid the {$15.00} charge. I 'd love to. I 'm very grateful to have gotten the loan modification and am doing great financially but feel I 'm still be prohibited from paying in a normal manner, and charged a bogus fee. This month I started trying to pay on the XXXX and was unable to get payment thru til the XXXX due to being bounced and on hold. I have to work, when I 'm available to hold for extended periods the phone lines are closed. Sometimes people really are trying. But the loop and hoop sytem puts them further behind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Using a debit or ATM card

Complaint: I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into 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 explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Have Parent Plus loans for my son that went to Navient from XXXX XXXX. Payment is very high, they have put me in forbearance many times as I struggle to pay the loans. I asked for reduced payment in lieu of forbearance but they said we make too much money. Instead we added additional charges/ interest due to the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, Santander Consumer on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease

Complaint: I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX. 
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late? 
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees? 
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late? 
- no, because we got the money from you. 

Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Reach out to Experian Credit Bureau to Verify 3 accounts that is on my credit report and provide me with a copy of the original creditors documentation on file that this information is mine and is correct per FCRA. They have not provide these documentation to me, they also sent me a letter stating the information has been provided by the creditor but I never received the documentation I requested per the FCRA, so these three accounts are still consider unverified and is hindering me and my family from purchasing a home. I attached two certified notification when I sent Experian, also the 3rd letter in the exact words they received the first two letters along with a copy of my state license.

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 04-05-2017 about Debt collection (Medical) with Capital Accounts, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CAPITAL XXXX TRYING TO COLLECT A DEBT I DO NOT OWE WAS NEVER SENT A BILL NEVER HAD SERVICES WITH XXXX .... ALSO XXXX XXXX COLLECTION FROM XXXX HOSPITAL NO KNOWLEDGE OF DEBT NO BILL HAVE N'T USED SERVICES FROM XXXX IN THE PAST 15 YEARS ON XXXX WITH HELP FROM XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (AL).
Issue: Struggling to pay your loan

Complaint: I got at a loan in XXXX of 2017 I paid it on time and when I got my last long I lost my job I informed company and let them know I would pay them cash but never set up any arrangement payment or plan because I didn't know when I would work again I was unemeployement and got odd and in jobs but now enough to pay the loan was for XXXX and that was with interst I pay them in XX/XX/XXXX. XXXX and let them know I was still unemployed but would come in and pay as I could well I finally got a stable job and right as I begin to pay them I was hit with the total amout due a week before this I paid XXXX so what was owed was XXXX left to pay I had plan on going in and making payments but instead the company got my checking account informantion and paid themselves instead of allowing me to pay them off and after speaking with the store in my area and two reps from customer services was informed that I they was allowed to take money without my permission at anything because I sign a contract but this was a year old and not once did they call me nor did they send me a letter saying they would take my money like this even when I am willingly paying them as I can at the time. I feel cheated I feel as if they stole from me when I need my money to pay my bills as normal but instead they took my entire check and had nothing else to say. other than I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLACED BACK ON MY FILE ADDRESSES THAT WERE INDEED FRAUDULENT AFTER SENDING ME INFORMATION THAT THE INFORMATION WAS DELETED. ON XXXX XXXX THE FOLLOWING INFORMATION FROM EQUIFAX WAS SENT TO ME STATING THAT THEY HAD INDEED REMOVED AND DELETED THE FRAUDLENT ADDRESSES THAT ARE IN QUESTIONED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX VIRGINIA XXXX VA XXXX. AS EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLENTY OF DOCUMENTS INCLUDING BUT NOT LIMITED TO POLICE REPORTS FROM NC/VA LAW ENFORCEMENT OFFICES AS WELL AS FTC AFFIDAVITS SUPPORTING THAT THESE ADDRESS DO NOT BELONG TO ME AND I HAVE NOT STAYED AT THESE ADDRESSES AND THAT IT IS INDEED FRUADLENT. ON XXXX XXXX XXXX I RECEIVED INFORMATION FROM EQUIFAX THAT THEY ARE REPORTING THE FOLLOWING ADDRESSES BACK TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CLAIMING THAT IM A RESIDENT OF THIS ADDRESS SINCE XXXX WHICH I HAVE NOT EVER STAYED AT THAT ADDRESS AND THE PROPERTY OWNERS AS WELL AS LAW ENFORCEMENT AND PUBLIC RECORDS WILL SHOW THAT IM NOT A RESIDENT OF THAT ADDRESS. XXXX XXXX XXXX XXXX NC XXXX EQUIFAX STATED THAT I WAS A RESIDENT OF THIS ADDRESS AND CAN NOT PROVE ME TO HAVE BEEN AT THAT ADDRESS AND STATED TO ME THAT I USED THAT ADDRESS FOR MAILING AND BUSINESS PURPOSES AND CAN NOT PROVE SHOW ON XXXX THAT I STAYED AT THAT ADDRESS BY AN APPLICATION OR MAIL RECEIVED BY ME AT THAT ADDRESS. ALSO XXXX XXXX XXXX XXXX XXXX IN XXXX VA XXXX EQUIFAX CLAIMED THAT I BEEN A RESIDENT OF THAT ADDRESS SINCE XXXX WHEN IN FACT THAT ADDRESS WAS FRAUDULENT AND CLAIMED THAT I USED THE ADDRESS FOR BILLING AND APPLICATION PURPOSES WITHOUT SENDING ANY PROOF. BUT HAVE DOCUMENTATION PROVING IN THEIR RECORDS FROM XXXX THAT IT WAS INDEED FRAUD AND I HAVE NOT STAYED AT THAT ADDRESS. ALSO THE ADDRESS OF XXXX XXXX VIRGINIA XXXX XXXX THAT THERE CLAIMING I BEEN A RESIDENT OF SINCE XXXX WAS INDEED A FRAUDULENT ADDRESS AND THE INFORMATION FROM THAT ADDRESS IS FRAUDULENT AND EQUIFAX HAS IN THERE RECORDS INFORMATION PROVING THAT I WAS NOT A RESIDENT OF THAT ADDRESS AND THAT IT WAS IN DEED FRAUDULENT. FROM LAW ENFORCEMENT OFFICIALS. WITHOUT PROVIDING ANY PROOF THAT I STAYED AT THAT ADDRESS AGAIN.. EQUIFAX HAS PROVEN TIME AND TIME AGAIN THAT IT WILL CONTINUE TO VIOLATE FEDERAL LAWS UNDER THE FCRA AND REINSERT INFORMATION THAT WAS DELETED AND CAN NOT BE PROVEN EVEN AFTER RECEIVING INFORMATION IN THERE FILES FROM LAW ENFORCEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I sent a secure message to Comenity Bank in the online account servicing website for my Ann Taylor MasterCard requesting a waiver of the late fee and interest assessed on my XX/XX/XXXXstatement. I received a reply on XX/XX/XXXX, granting a courtesy credit for the {$27.00} late fee that had been assessed. However, when I viewed the online account activity for my card, the late fee correction appeared as an additional debit of {$27.00} dated XX/XX/XXXX rather than the expected credit. In my XX/XX/XXXX statement, a {$27.00} " other debits '' entry appeared in the summary of account activity, increasing the final statement balance, and the " LATE FEE CORRECTION '' transaction appeared as an additional charge rather than the expected credit. This additional charge was not what I expected from my request. On XX/XX/XXXX, I sent a reply to the secure message I had received in XX/XX/XXXX requesting that the late fee credit be properly processed. I received a reply on XX/XX/XXXX claiming that a proper {$27.00} late fee credit would be applied, but when I checked the associated account activity, I saw that a second " LATE FEE CORRECTION '' transaction for XX/XX/XXXX had appeared with an improper {$27.00} debit instead of the credits I desired. The two {$27.00} debits on my account are not legitimate fee assessments, as I have not made any recent late payments on my account, and I do not believe they are appropriate methods of addressing my initial request to waive a past late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have not received any letters attempting collection of these debts. I have moved on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Ref : Credit Freeze and related charges Equifax - Security Breech I was notified that my credit information was included in the Equifax Security Breech in XX/XX/XXXX of this year. It was '' recommended '' that I place a " Freeze '' on my credit line to ensure that my credit would not be impacted and to take their " Free '' one year credit monitoring program. This recommendation came from Equifax and I did take their recommendations. HOWEVER.. 

When I try to place a Freeze on my credit with the other two credit companies : IE : XXXX and XXXX - I 'm required to pay a " FEE '' to place a " credit freeze '' on my credit line with their companies. 

I feel that Equifax is responsible for these " additional charges '' due to the fact that the Breech of security was due to Equifax lack of the proper security on their computer system. Its their fault and NOT mine. Therefore ... and all charges related to placing a freeze on my credit line with the other two companies should be picked up by Equifax.. 

YES ... I understand Equifax have taken " some '' steps to help those who were caught unaware and involved.. BUT ... are " falling far short '' of their responsibilities and " covering/picking up '' the freeze charges from the other two credit companies. 

I have discussed this issue with Equifax and they simply state that is not their responsibility and they will not pay the " Freeze '' charges. 

I feel that the individuals who are caught up in the Equifax Security issue ... ( which is no way their creation but, now involved and at risk ) ... Should insist that Equifax pick up any additional charges that are involved with placing a Freeze on their credit line.. 

IF .... Their Ex-CEO ... can walk out of their company with XXXX XXXX - and take no responsibility.. is SIMPLY Wrong .... 

I want to see something done ... ... and for Equifax to step up to the plate and take full responsibility ... and cover those involved with the security breech. 

By not contacting each individual who " could be '' impacted by the breech ... and not automatically placing " Freezes '' on the credit lines for those involved ... and only doing so ... when a individual contacts them ... is simply wrong ... They are not " Protecting their Clients '' nor stepping up to take full responsibility ... 

Many people are still un-protected..from possible fraud.. 

What can be done???? Better Yet ... .. What will be done..???

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: OnXX/XX/XXXX I mailed a correspondence to BARCLAYS BANK DELAWARE due to the fact that BARCLAYS BANK DELAWARE was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by BARCLAYS BANK DELAWARE on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of BARCLAYS BANK DELAWARE XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have BARCLAYS BANK DEALWARE cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to BARCLAYS BANK DELAWARE for a response ; it is well past 30 days with no response from BARCLAYS BANK DELAWARE. I have attached a copy of this correspondence in this complaint to ensure that it is on record that BARCLAYS BANK DELAWARE did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as of XX/XX/XXXXwell after receiving my correspondence, so BARCLAYS BANK DELAWARE apparently has decided to ignore my correspondence but continue to report false information on my credit file. If BARCLAYS BANK DELAWARE continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.

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