milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: I paid an extra {$350.00} to my principal on my home mortgage electronically on XX/XX/XXXX. I sent Ditech a statement telling them to place the {$350.00} on the principal. On XX/XX/XXXX, I sent them another email asking them to put it on the principal. I sent them another email today XX/XX/XXXX. Every month I pay extra to the principal and every month I go through the same type of waiting process. Constant emails ... I used to call, but decided it is easier for my documentation to email. I just want Ditech to do their job in a timely fashion ... instead of making me constantly check up on them!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has been claiming that we are a month or two behind and missing payments in our mortgage. This claim started happening once we were discharged from our Bankruptcy. We have received notices claiming we requested to modify our loan ( which we did not ) three days before receiving our actual mortgage statements. We bank online and do not wait for the statements to pay our mortgage. We have requested on several occasions for Seterus to send us the proof we are behind and missing payments. What they sent us does not prove it. We also responded with the proof all payments were made. The months they claimed we are missing were months we were with XXXX XXXX XXXX and we have proof we made all payments to them as well. We are being harassed by Seterus and they have dinged our credit with false information. We have tried to work with them through no avail to resolve this issue. Seterus are rude and accused us of refusing to accept that we owe them money. Please investigate this company, there is something seriously wrong with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The debt collector agreed to have items removed in XX/XX/2015 and they have not been removed. I am attaching the letters requesting removal from the collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXPERT GLOBAL SOLUTIONS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of Identity Theft, I did not apply for a mortgage, but when I overlooked my credit report I noticed I had a Inquiry from this company, and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ocwen lona servicng XXXX, XXXX, XXXX XXXX, XXXX debt collector above the law, gaming the sysyem, a pattern as attached will answer XXXX, Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. 
judge rule for hearing on XXXX/XXXX/XXXX hearing date XXXX/XXXX/XXXX law firm debt collector back-dated information set sale date for XXXX/XXXX/XXXX beacuse they are above the system, gamiing the sysytem mailed dated sent for sale date was stamped XXXX/XXXX/XXXX denial my right to defend, knew the documnets file in court was fraud the assignments document fraud to game the sysytem they set a sale dat before the hearing, this a partner with this firm XXXX, XXXX, XXXX XXXX, XXXX, of XXXX, XXXX as atthached

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint is in reference to File # XXXX. XXXX XXXX XXXX has reported an eviction in the amount of {$4700.00} In the month of XX/XX/XXXX. Also a public record from XXXX County Circuit Court In the amount of {$1100.00} both are from the same original creditor ( THE RESERVE AT XXXX XXXX APARTMENTS ) both have been reported on credit report. On XX/XX/XXXX I contacted Transunion @ XXXX I spoke with agent from XXXX by the name of XXXX. I told XXXX that I wanted to dispute some accounts that are being reported inaccurately and I asked about the difference in the amounts for the XXXX XXXX XXXX XXXX Account. I questioned the Amount of {$4700.00} which i have no knowledge of and how could Transunion allow such a huge amount to be reported on credit file without legal and proper doccumentation. I was advised by XXXX that i could dispute both items. Upon my disputes i requested for validation of debt and a billing statement with the list of charges from the collection agency. The court order was only for {$1100.00} where did they get {$4700.00} from? I called back on XX/XX/XXXX to do a follow up of the disputes on that day I spoke with an agent in the special handling department by the name of XXXX, i asked had there been any response back yet and she stated that she did not see any accounts being disputed at that time. I told XXXX XXXX that could not be possible because on XX/XX/XXXX, i also gave her the agents name and the file number that wsa given to me on that day. XXXX XXXX place another dispute on both items again and she stated that she could call XXXX XXXX XXXX to see if that would speed things up. The response was from a collection agent by the name of XXXX XXXX, she responded that this debt was verified and consumer needs to pay the debt. I recently had a tenant screening done my application was denied for having a Public record And eviction on credit report with XXXX different amounts appeared to leasing management as seperate evictions. 

I have no knowledge of this agency an the amount that is being reported on my consumer files. I have no contract with this Third Party Collection Agency. They are in violation to my consumer rights. If this continue to remain on my consumer file, further actions WILL be taken! PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT PERMANATELY.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Could you please take everything off of there that is past 7 years. Hoping to improve my credit score.

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 08/22/2016 about Debt collection (Medical) with PlusFour, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received emergency medical service in XXXX, Nevada. I am a resident of XXXX and have medical insurance I receive medi-cal and I am covered on all emergency visit inside the USA. My medical insurer, XXXX XXXX XXXX contacted the XXXX XXXX XXXX and informed them they could send the bill to XXXX. A XXXX XXXX representative agreed over the phone and still have not billed XXXX. XXXX XXXX XXXX has sent my account to collection.

Company response to consumer: Closed
Consumer complaint received 06/26/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: I need a detailed listing of every trnsactio my mortgage loan went through with Wells Fargo. I bought my home in 1998 through XXXX XXXX and then it transfered to Wells Fargo and no idea from there. Somehow it got put n to the hands of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and t seems I was left out of the loop but yet foreclosed on. I Want to see all of these transactions that transpired up to this foreclosure. Ialso want toknow how a foreclosure started by XXXX XXXX XXXX, ells Fargo attornie whom was disbarred by New York state Attorney General XXXX XXXX was allowed to be changed to other attornies, using the same paperwork stated by XXXX XXXX XXXX, was even allowed permissable to foreclose. Wells Fargo, seems to me you have had to apologive a few times in your paperwok for some major discrepencies. I have no plan to stop my investigation in to this and I have called on Donald TrumpXXXX the news media and Senator XXXX XXXX for assistance.

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 12/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: I was not expecting to pay for this long I was in need of a few hundred dollars to pay my rent so that me and my children would not be left out in the cold streets of Minnesota. I was not told of the interest when I talked on the phone with the person and was told that I could pay it off in full one I have the chance but it would me less. The interest rate is not what I was told it would be on the phone. once I received the documents the loan was already processed and I could not get out of it. Now I am struggling even more to pay my monthly bills because they are taking out XXXX every two weeks.

Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01XX/XX/XXXX {$470.00} {$43.00} {$110.00} {$72.00} {$430.00} Regular Current 02 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 03 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 04 XX/XX/XXXX{$430.00} {$0.00} {$110.00} {$110.00} {$430.00} Regular Current 05 XX/XX/XXXX {$430.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular Current 06 XX/XX/XXXX{$420.00} {$0.00} {$110.00} {$110.00} {$420.00} Regular 07 XX/XX/XXXX {$420.00} {$0.00} {$110.00} {$110.00} {$420.00} None 08 XX/XX/XXXX {$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 09 XX/XX/XXXX{$420.00} {$1.00} {$110.00} {$110.00} {$420.00} None 10 XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 11XX/XX/XXXX {$420.00} {$2.00} {$110.00} {$110.00} {$420.00} None 12 XX/XX/XXXX {$420.00} {$3.00} {$110.00} {$110.00} {$410.00} None 13XX/XX/XXXX {$410.00} {$4.00} {$110.00} {$110.00} {$410.00} None 14 XX/XX/XXXX {$410.00} {$5.00} {$110.00} {$110.00} {$400.00} None 15 XX/XX/XXXX {$400.00} {$6.00} {$110.00} {$100.00} {$400.00} None 16XX/XX/XXXX {$400.00} {$8.00} {$110.00} {$100.00} {$390.00} None 17 XX/XX/XXXX {$390.00} {$10.00} {$110.00} {$100.00} {$380.00} None 18XX/XX/XXXX {$380.00} {$13.00} {$110.00} {$100.00} {$360.00} None 19 XX/XX/XXXX{$360.00} {$17.00} {$110.00} {$99.00} {$350.00} None 20 XX/XX/XXXX {$350.00} {$21.00} {$110.00} {$94.00} {$330.00} None 21 XX/XX/XXXX {$330.00} {$27.00} {$110.00} {$88.00} {$300.00} None 22 XX/XX/XXXX {$300.00} {$34.00} {$110.00} {$81.00} {$260.00} None 23 XX/XX/XXXX {$260.00} {$44.00} {$110.00} {$71.00} {$220.00} None 24 XX/XX/XXXX {$220.00} {$55.00} {$110.00} {$60.00} {$160.00} None 25XX/XX/XXXX {$160.00} {$70.00} {$110.00} {$45.00} {$97.00} None 26 XX/XX/XXXX {$97.00} {$97.00} {$120.00} {$26.00} {$0.00} None

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Medical) with Northwest Collectors Inc. (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I PAID THE DEBT SO THAT IT WILL BE TAKEN OFF MY CREDIT REPORT. DEBT DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX Charged OFF my credit card account on XX/XX/XXXX after I had negotiated a settlement. XXXX XXXX XXXX Continues to Report the account delinquent on my credit reports 7 + Years after I settled this account for less than full balance.XXXX XXXX XXXX Refuses to discuss this account and referred me to XXXX XXXX. After Contacting XXXX XXXX I was advised that they had referred this account to an attorney in XX/XX/XXXX ( 6 years and 11 months after the initial charge off ). The Attorney returned the account to XXXX XXXX and XXXX XXXX has No knowledge of the status but they will reassign the account to someone else in the next 5 to 10 days. XXXX XXXX XXXX Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was XX/XX/XXXX/ We attempted to resolve this account years ago but XXXX XXXX XXXX  was Not interested. The Original dispute Involved XXXX XXXX XXXX Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: national service bureau claims we owe for damage to a vehicle during the process of towing. We did not tow the vehicle, have no record of ever towing that vehicle, working with or speaking to the owner of that vehicle, nor did we receive any damage claim at the time the tow was claimed to have been provided. Per NSB, XXXX paid the claim and found us at fault. Nothing was ever submitted to our insurance, and our agent has been harrassed and called names by NSB representatives. NSB has been informed that this not is our debt, and was requested to provide proof that we provided a tow of the vehicle in question, they have failed / refused to do so. 

Collection attempts have continued, and are becoming aggressive.

Company response to consumer: Closed
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to my requests to investigate, verify and remove accounts in my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There are XXXX amounts this company says I owe them XXXX for {$75.00} and the other for {$1800.00} as of today. Previously, about 6 months ago it showed I owed them over XXXX dollars. The amounts keep changing. I sent a validation of debt request to this company via certified mail and it was signed for and received on XXXX/XXXX/16. I waited for over a month with no response. On Friday, XXXX XXXX I called this company and asked them why I have not rcvd a response and the rep advised me they rcvd a notice but had not responded to me which violates fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: I recently discovered that I was " enrolled '' in a credit card protection insurance plan for my Macy 's credit card. I called and cancelled the plan, but discovered that I have been enrolled in the plan since the date that I applied for the credit card in XX/XX/2009, and have been paying this " insurance '' for close to 8 years and have spent a total of {$290.00}. I believe the insurance/credit protection company is called " XXXX direct, XXXX, and they are affiliated with Citi Credit Cards. I called to obtain their exact name, and even this was an issue. They informed me that their name was " XXXX '' affiliated with XXXX. They claim that you specifically enroll in this program when you apply for the credit card ; however, I would clearly never explicitly opt in to a scam such as this. I am sure that I am not the only person that is experiencing this " surprise. '' These companies should have to obtain your explicit consent to enroll you in this program, and should also e-mail/and send you monthly communications, allowing you to be aware of not only the amount of money that you have paid them, but also so you are aware that you are even enrolled in the program.

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 05/28/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (ME).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called

Company response to consumer: Closed
Consumer complaint received 02-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: Capital one closed XXXX of my business accounts because they claim they needed an EIN number, which they have on my other card for same business. I received no letters or calls to warn me of this account closure or to request information. They say they sent letters and now today after 2 days on the phone, a rep said they did try to call. Their reps are not on the same page and must not have access to the same information. New information seems to materialize in their favor the more time I spend on the phone them! 
I have XXXX other cards with them, XXXX being a business card with the same info as the account they closed. They also took XXXX rewards points and applied them to my balance. 
I called them and asked them to reinstate the account and they keep saying they can not and that because they did not receive the EIN info by said date that they had to permanently close the account. They are claiming that it is against federal regulation to reopen this account. Their reps are dismissive and condecending. They do n't really seem to want to rectify the problem and they are not forthcoming with the truth regarding their choices. 
I am a very unhappy customer and am considering closing down all of my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a credit card with Chase bank. Last year there were fraudulent charges on the card. As the issue was resolved I continued to make payments so that it did n't affect my credit. The balance was adjusted appropriately and I resumed making payments to the smaller amount that I agreed was a result of legitimate charges. My ability to make payments online was taken away. I was told it was because the account was closed. Instead I made payments via phone for months. I have maintained a regular payment each month as agreed. In the past 7 days I have called Chase multiple times to make my payment as usual. Only now they refuse to set up any payments over the phone. Instead I am transferred to a fraud investigator with chase that has told me that she will not accept any form of payment except a mailed check. I told her that was fine but I needed the account number. She refused to give it to me. I explained that they do n't send me bills or statements anymore even though I still have a balance. She told me that it was my responsibility to know my account number. Chase had stopped sending me statements, denied me access to my accounts or my statements online ( even though I have done them no wrong ), and now they are refusing to let me pay and very close to forcing my account into delinquency for no reason. Please help, I just want to be given a reasonable way to make the payments to my account.

Company response to consumer: Closed with non-monetary relief