milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: The balance in  my TD B ank account ending in  XXXX  is overdrawn  XXXX , this includes a reversal credit in the amount of  XXXX . This credit is for a disputed transaction,  XXXX  from  XXXX  of  XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on  XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise  TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Santander trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: AgencyXXXX reported incorrect public information on a background check related to my drivers license. Disputed the claim with the AgencyXXXX. AgencyXXXX merely verified that the information they obtained, thru reporting agencyXXXX was identical. AgencyXXXX did not require AgencyXXXX to verify the information supplied. AgencyXXXX referred me to AgencyXXXX to dispute the issue. AgencyXXXX required additional paperwork, and 30 days to investigate. I have referred AgencyXXXX to the public source of the information which has a public portal / direct access to the info. Information ignored. By having this layering of supplying agencies, disputes are never truly investigated back to the source.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (I do not know) with Account Discovery Systems, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: OnXX/XX/XXXX, we wife and I sent letter to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit reports. We have long since received investigation results from XXXX and XXXX XXXX, but we have yet to receive anything in the mail from Equifax. We 've even sent follow-up letters. Still, no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15, I entered into a an agreement to purchase furniture at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX salesperson convinced me to finance the entire purchase with a promotional financing agreement that she was offering through Synchrony Bank XXXX It was an 18 month no interest financing promotion. I received my Synchrony monthly statements and the furniture was indeed financed as agreed. Unfortunately, the furniture was never delivered. The specific delivery date was rescheduled by XXXX XXXX XXXX XXXX twice. In XXXX 2015, I finally complained to Synchrony Bank that the furniture was never delivered and that they should not pay or Synchrony should reverse the payment that they did make to XXXX XXXX XXXX XXXX Synchrony Bank responded to me by letter dated XXXX/XXXX/15 that they had given me credit but that there was a 35 % cancellation fee that I would be responsible for. This 35 % cancellation fee ( {$2200.00} ) made no sense to me since I did not cancel the order but rather I was the victim of a consumer fraud perpetrated by XXXX XXXX XXXX XXXX ( a sales agent of Synchrony Bank XXXX. The furniture still has not been delivered although I never cancelled the order. I called Synchrony Bank more than XXXX times to try to resolve this dispute nut Synchrony continues to bill me a {$2200.00} cancellation fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. 
Now they have been calling XXXX year old. 
I know I owe money but right now I ca n't. 
I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I just started paying back my student loans in XX/XX/XXXX. I received my first statement from Navient with my amount due and due date and could n't believe it. The amount due was over {$900.00}. I 've called Navient multiple to ask if my monthly payment can be lowered and they wo n't due anything for me. All they tell me to do is have my cosigners call and give financial statements explaining why they ca n't help me pay back the loan and then they can see if I qualify for a repayment plan. So even if my cosigners called, there 's still no guarantee of lowering my payments. I explained to them that I do n't want to get my cosigners involved. I told them I want to repay my debt myself, but they need to work with me to make the payments more affordable. But as of now they still are n't trying to work with me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: My complaint is against  XXXX  and TransUnion. There are liens appearing on both. The liens a re PAID.  The liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with  XXXX .  XXXX  and TransUnion should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Consumer Loan (Vehicle loan) with TCAR Inc (NY).
Issue: Problems when you are unable to pay

Complaint: I work part time for an employer named XXXX XXXX XXXX, on XXXX/XXXX/XXXX Tuesday I left my evening part time job as usual parked in the residents parking lot where I live at XXXX XXXX XXXX, and had left my XXXX Mercury Milan vehicle locked as every other night. About mid to late afternoon the next day on XXXX/XXXX/XXXX Wednesday, the time I generally head over to do my regular work hours. I noticed my vehicle was not where I had parked it the previous night on Tuesday, in fact it was no where in the parking lot. I immediately thought of and had concerns of vehicle theft. I went straight back into my apartment and dialed the XXXX help assistants line from my landline telephone. The XXXX operator assisted me in reasoning out my current situation and had taken my name along with the description of the vehicle. In coming up with contact information in helping locate and find where my XXXX Mercury Milan was at, she then announced the company name TCAR Recovery located at XXXX XXXX XXXX XXXX NY and the contact number of XXXX. I proceeded to leave a message since no one answered, then had concerns of my XXXX XXXX XXXX with regards to entitlement to the protections under the UNITED STATES BANKRUPTCY CODE. I currently am under review by my creditor XXXX in my request to file for bankruptcy regarding the subject matter vehicle repossession and any protections in filing bankruptcy may apply to myself. I thank you in allowing me to leave the Consumer Finance Protection Bureau commentary of present as well as any future comment that may pertain to vehicle repossession and myself asking to filing for bankruptcy proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage bought out our loan from XXXX XXXX XXXX in XXXX, 2016. We did receive a letter from XXXX XXXX XXXX stating that our mortgage was moving over to Carrington but never received information from Carrington on how to pay my bill. As my payment was due XXXX XXXX and by XXXX XXXX I still had n't received a notice I called Carrington Mortgage to find out that they had n't even put the account through the system and it would be up to 2 weeks before they did. I was able to get an account number and the representative told me for the first 90 days there would n't be a late fee added as long as the payment was received by the end of each month. I verified this information with her twice and made sure payment was made by the end of each month knowing by the 4th month it was back to regular due date. However on the XXXX and 3rd months I was not able to make a payment online as it kept getting rejected. I called Carrington and they stated the bank routing number was incorrect even though it went through the first time. I had to call back several times to get that issue straight. On the 3rd month the routing issue came up again and after a call to Carrington clearing it up the representative stated by Friday it would be unblocked and I could make the payment, there would be no late fee charged because it was their error. I tried all day Friday and all weekend to make the payment just to get the same error. On Monday I called again to find out I had a late fee for non payment. They finally agreed to waive that late fee but did not waive a fee I was charged for paying past the due date even though I was told I had til the end of the month. We were told the original representative that told me I had the first 90 days without a late fee was no longer working there and I was responsible for the late fee even though I was told the wrong information. We have never been late on a mortgage payment and due to this false information we now have a record of being late plus the expense of the late fee. When we called FTC a few weeks ago she stated that we were not the first complaint she had for them that day alone. On the BBB record they have a XXXX negative rating.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit card () with CL HOLDINGS LLC (OH).
Issue: Billing disputes

Complaint: Jefferson credit systems took over my credit card account. I lost job and had baby and got way behind on the card. Meanwhile Jefferson has not called me at home, they have called my new employment and family members and now they are trying to garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: MY NAME IS XXXX XXXX ON OR ABOUT XXXX OF 2012 A CHECK LOOKED TO BE DEPOSITED INTO MY BANK ACCOUNT AT BANK OF AMERICA.SINCE THE TRANSACTION MY ACCOUNT WAS CLOSED AND REPORTED TO CHECKSYSTEM ON XXXX XXXX FOR SUSPECTED FRAUD ACTIVITY. I HAVE MADE MULTIPLE CONTACTS WITH BANK OF AMERICA IN TRYING TO FIX THE SITUATION. I HAVE ATTEMPTED TO ASK FOR PROOF THAT IT WAS ME DEPOSITING THE CHECK LIKE A VIDEO OR PICTURE SINCE THE CLAIM WAS A DEPOSIT OF A CHECK TO THE BANK. I HAVE ALSO ASKED TO VERIFY AND PROOF THAT THE SIGNATURE ON THE CHECK THEY CLAIM I HAVE DEPOSITED IS IN FACT MINE. I WAS DENIED TO BE SHOWN ANY VIDEO OR PICTURE TO SUSTAIN THEIR CLAIM, ALL I HAVE BEEN GIVEN IS A PICTURE OF THE FRAUDULENT CHECK WITH A SIGNATURE THAT IS CLEARLY NOT MINE. I DID NOT TAKE PART OF NO FRAUDULENT ACTIVITY WITH BANK OF AMERICA.I HAVE DISPUTED THE ACCUSATION ON CHECK-SYSTEMS AND RECEIVED THE SAME PROOF JUST AN IMAGE OF THE CHECK AND YET NO VALIDATION OF MY SIGNATURE NORE IMAGE OR VIDEO TO BE ME.THIS HAS MADE IT DIFFICULT FOR ME IN SUSTAINING A BANK ACCOUNT TO BE ABLE TO FINANCIAL ORGANIZE MYSELF AND MY FAMILY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Payday loan () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Can't contact lender

Complaint: It appears that Midland Funding ( original lender ) has either sold the debt I incurred with them or has a collecting agency working for them. The debt is at least XXXX years old. I am currently in Chapter XXXX bankruptcy. XXXX XXXX ( asserting to have a corporate office in XXXX ) calls and their number comes up on my caller ID here at work as a local number ( XXXX ) XXXX yet there return call is ( XXXX ) XXXX, ext. XXXX, XXXX XXXX and the voice mails are they are going to serve me either at work or at home, once I answered the call and they wanted to speak to my supervisor. On another occasion, my attorney and I both called them to inform them of the pending bankruptcy and which they replied that pay day loans are not eligible to be listed in bankruptcies ... I 've faxed them a copy of my bankruptcy petition yet they continue to call and leave threatening voice mails. We 've asked them to provide us a mailing address and they have refused. Please contact them to verify the debt and advise them of the pending bankruptcy and they are violating the automatic stay afforded to me by the United States Bankruptcy Code. You can verify my case on the XXXX XXXX XXXX XXXX, XXXX Division, website, Case No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (NY).
Issue: Other transaction problem

Complaint: My son, who is a military service member stationed in XXXX, wire transferred me {$750.00} from his XXXX account on XXXX XXXX, 2017 to my checking account with JP Morgan Chase. I received an email from the QuickPay team at theJP Morgan Chase bank on XX/XX/XXXX ( XXXX 's time is ahead of New York time ) confirming that a transfer was in process and that it would take 1-2 business days for the money to be transferred to my account. However, when I did not receive the money I called them and they said that the money had been deposited to an account which had my email address ( the same email address used in the transfer ). They could see the name of the person the money went to. I told them I still had access to that account and was still receiving emails but they said there was nothing they could do, that XXXX was responsible. My son called XXXX, who said that because he had authorized the transaction, JP Morgan Chase was responsible. I called Chase numerous times, my son called both XXXX and JP Morgan Chase several times and we even conferenced-called JP Morgan Chase. However, their response has been the same all the time - they can do nothing about the money transfer to the wrong person. To-date, I have still not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting {$6400.00} owed to my Equifax and XXXX Reports as of X/2017, and I 'm no longer liable for that debt due to it being charged off to XXXX XXXX, a 3rd party debt collection agency. The charge off balance is incorrect, aand should reflect a {$0.00} owed with it being charged off to XXXX XXXX. Collecting on a debt that has been charged off and sold to a debt collection agency is a direct violation and unlawful according to CFPB and BBB. I will file a complaint against XXXX XXXX XXXX XXXX / XXXX XXXX XXXX for falsely trying to collect on a charged off debt that I 'm no longer liable to them for. I sent several letters to Equifax and XXXX in regards to validating the reporting of this correctly, and each time, I get no response back to the 609 letters I have submitted via USPS. I provide signature confirmation to show that each letter sent was received and sent to the correct address. 

Please investigate this and have this removed from my Equifax & XXXX Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. Experian and XXXX has XXXX items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you Experian and XXXX have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. Experian On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax, and historically and well-known Credit Reporting Agency, should have used better precautions to secure personal information for my credit. This incident can possibly have a life time effect on me as a consumer. Now, I am not sure who has my information are what they have or what they could release. I surely do n't want to see something released on the news that could be related to anything regarding my credit. Having a truly free credit report for one year does n't fix this problem. And I am open to negotiations as to how we can best fix this quickly.. for example, how do you plan to compensate me for such a totally irresponsible Act?

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Money was not available when promised

Complaint: I was send my money from western union in fagatoto XXXX $ to my bank account in XXXX, until now my money can not pass in my bank account

Company response to consumer: Closed with explanation