milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point, I am paying them what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer.

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 02-02-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting an account that does not belong to me on my credit file. XXXX XXXX XXXX XXXX # XXXX I disputed with them and they are stating that the company validated this debt. This is incorrect the debt does not belong to me. I have disputed this debt with XXXX and they XXXX deleted the debt because the COMPANY NEVER VERIFIED I. Equifax refuses to remove this debt. I 'm asking Equifax to either provide me and the CFPB with the proof that XXXX is validating this debt reporting or DELETE IT FROM MY FILE. this incorrect reporting is damaging to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Billing disputes

Complaint: Purchased a sofa and love seat, and a bunk bed set from XXXX XXXX XXXX XXXX. Upon delivery we found the item not to be as described and expected. The furniture was advertised as having removable cushions and wooden legs. The cushions were sewn in and had ugly plastic legs. The top of the bunk bed set and the bottom of the bunk bed would not fit together. We contacted the store and attempted to resolve the matter. They did nothing about the sofa and love seat but brought us another bottom bunk bed. Upon assembling it we learned that while it fit together, it was XXXX different colors and did not match. We again contacted the store numerous times and they did not contact us back or return any phone calls. We filed a dispute with Bank of America and right off it was denied. We questioned this and was told told they did not get certain info which they had. We sent in more. It was denied again. They said the receipt was not detailed enough. We had sent in the receipt that the store gave us. We did not understand why we were being punished because of the type of receipt the store issued. We questioned it and were told that they would look into it. Got a letter denying the claim. Never specifying exactly why. Just that it was. Spent months dealing with this and still do n't know exactly what, if anything Bank of America did in an attempt to investigate the dispute and exactly what we received. What we purchased and what was actually delivered was not the same. Not even close. And as far as I can tell they never did anything to determine 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 12-06-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Credit card protection / Debt protection

Complaint: Portfolio Recovery Associates , LLC sent me a collection notice XX/XX/XXXX on an account they purchased from XXXX XXXX. I then requested verification of this account due to the fact that over the past couple of years I have had XXXX previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and several years after the divorce I am still finding accounts in which I owe. If one were to view my credit report, there are no accounts in jeopardy except those from several years ago. Portfolio Recovery Responded with a letter stating they would verify this account within 90 days which is not satisfactory. During the 90 days, I was sent a collection notice from them requesting payment without verification and the payments or balance was due on the account by XX/XX/XXXX, which is in violation. I then received a verification from them on XX/XX/2016 which only included a few copied statements from the account but none of the other information requested. I then in return submitted another request for verification via certified mail dtd XX/XX/XXXX ( certified mail rcpt number XXXX ). On XX/XX/2016 I received a letter which I have enclosed from Portfolio Recovery Associates Dtd XX/XX/2016 requesting payment no later than XX/XX/2016 also stating account has been transferred to litigation WITHOUT providing proper verification once again!! This is ridiculous and I have dealt with this company on another occasion and the same thing happened. I have asked for items to verify the account and they have not been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested to be able to have a chance to bring my mortgage up to date. I receive monthly statements for the amount past due. They do not accept anymore partial payments, so i am keeping them in a savings account and have requested money from my retirement account too be able to pay up to date. I just received a letter from a XXXX XXXX who says that I can only pay my mortgage up to date TODAY with the added fees of {$280.00} called " suspense balance '' and {$390.00} called " late charges '' and the payments due as of XX/XX/XXXX of {$7100.00}. BUT, if I can not pay that TODAY, I need to pay {$10000.00} which includes:1 month ( s ) at {$890.00} per month ( XX/XX/XXXX ) $ XXXXPayments totaling {$7100.00} $ XXXXLate charges $ XXXXSuspense balance $ ( XXXX ) Foreclosure fees $ XXXXForeclosure costs $ XXXXTOTAL $ XXXXThis is supposed to be through XX/XX/XXXX. 
I received a letter from Green Tree stating that the property will be foreclosed on XX/XX/XXXX. Can someone help me to understand what is going on? They are not allowed to call me, but I 'm sure they do, since I get alot of hang up calls. I will not call them, since that would give them permission to start harrassing me again. I need to know what I have to pay to be up to date and move on. How do I answer this XXXX XXXX? Please, I just want to do whatever I have to do to bring this up to date and then refinance somewhere else, before I lose my mind here because of them!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Other

Complaint: I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. 
I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. 
So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. 
I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. 
Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: When my mortgage loan was closed, my property taxes were improperly funded. As a result, I faced an escrow shortage of {$4500.00} for 2015 property taxes. At the time my loan was serviced by XXXX. They agreed to spread the {$4500.00} shortfall over 60 months, which lessened my financial burden. My loan has been transferred to Carrington Mortage Services, and while they have agreed to spread my escrow shortfall, they did not keep the same escrow repayment terms in place that I had agreed to with XXXX. As a result, my monthly mortage payment is increasing dramatically and causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Private student loan) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For years I 've have had multiple issues with the loans now being serviced by American Education Services. Initially, the loans were taken out by my mother but she used my personal information and forged my my signature. I did not find out about the loans until after I graduated in XX/XX/XXXX. Since then I have made over {$13000.00} in payments to different service companies, only to see my outstanding balance increase by {$14000.00}. In the past, they have told me the interest and late fees has accrued so much that any payments I 've made get applied there only.
Just recently, I completed my XXXX XXXX  program and the loans came off deferment. I have made {$2700.00} in payments since XX/XX/XXXX all of which were applied to interest and fees. I called and tried to make payments in the past, but they told me they could not accept my routing number and required I mail checks and then charged me a late fee. 

My husband is not receiving a paycheck now and the burden of these, combined with the misinformation and shark lending practices makes me feel as if I 'll never be able to get from out of debt. To have paid as much money as I have paid over the years only to have the balance greater than when I first found out about loans that were n't even signed by me has called significant stress. However, when I have inquired about the fact that I never signed for these loans I was told the only way to resolve the issue was to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I woke up to go to the dentist and hit the XXXX app to take me there ( I do XXXX XXXX ). XXXX would not authorize saying my account for payment was not authenticating. So I called Citibank phone number on my debit card. They told me the bank froze my account. I asked why. They said they could not tell me why. I asked when, they said they could not tell me when. I asked when I could get my money ( I had XXXX accounts ) out of the accounts. They said they would mail me a check after they closed my account. I asked why my accounts were being closed, they said they did not know why. I asked when it happened they could not tell me. I asked them who asked to close the accounts, they could not see. I asked if it was a mistake, they said no. I asked when the check would be mailed, they said after the accounts were closed. Asked if the accounts were closed now, they said no. I asked when they would be closed, they could not tell me. So I got a ride from a friend to go to the local branch. The branch XXXX worked on it for XXXX hours trying to figure out why XXXX was closing my accounts. All they would tell him was " compliance '' He said it made no sense because he could see on his screen when people go to even review my accounts and no one had even been in there to review my accounts, much less be able to determine if there was a compliance issue. He finally got permission to let me withdraw the money out of the accounts that was due to me. It was approximately {$600.00}. He said I would get a letter with a phone number and to bring it into the branch and we could call and get this straightened out. I never got the letter. Instead, I got a demand for a minimal charge stating my account was closed because it was overdrawn. What a joke! It was not overdrawn. It was frozen. I do not owe them any money for freezing my account and forcing it closed due to compliance. I got no notice about the closing of my accounts. I am sure they have reported this falsely to the credit reporting bureaus. I think they were embezzling money from my account from the inside and they were getting calls from a XXXX citizen extremists helping them along the way. Then they decided to cover their tracks because they thought I was getting to close to piecing it all together so they had to freeze me out of online access. Then they created the bogus demand on overdraft. I have the evidence to prove that letter is not true. Since the letter was drawn by an employee inside XXXX, someone inside XXXX is working with XXXX XXXX extremists. That is domestic terrorism. It surely caused me a lot of harm.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX XXXX lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a legitimate holder of an XXXX who has maintained an account in good standing. I can prove that their equipment malfunctioned on the reading end of the equipment because they read my tag both before and after the dates in question, however, they continue to harass me for 'administrative fees ' for the dates that their equipment malfunctioned.

Company response to consumer: Closed with explanation