milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX-XXXX-2017, I file a complaint against Equifax with complaint number XXXX. about inquires that was reported on my credit report due to fraud! I have viewed my credit report again and as of XXXX-XXXX-17 there are certain inquiries that sting show on my report. In the response from EquiFax, from complaint number XXXX They have stated that XXXX XXXXXXXX and XXXX XXXX XXXX is not currently shows on my reports by them. Again, as of XXXX-XXXX-17, these inquiries are still present on my credit profile.
Equifax, have failed to not only comply with what was stated in their reply to my complaint against them. Equifax, has fail to comply with the Fair Credit Reporting Act Section 1681b ( c ) and continue to report these items is an serious breach of my privacy right.
I am now moving forward to file a compliant with the Attorney General Office and the Better Business Bureau for non compliance of State and Federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease

Complaint: we have a motor home account thru Santander Consumer USA. Our payment was due XXXX. I called their customer service on Monday XXXX and stated we had not recieved an statment/bill. They stated the statements are generated on the XXXX of the month. No date when they are really mailed. As a rule we recive the bill 1 week or less before it is due. There is no postmark on the envelope, so we can see when it is mailed. I believe there is a minimum time set by the government or banking industry to prevent this problem. Should n't a person have more time? Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Credit card) with G&P Enterprises, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Allied Trustee Services filed a wage garnishment claim against me for 3 months of XXXX dues owed from 2011. I received no notice of this action nor had an opportunity to resolve prior to my wages being garnished. They garnished a total of {$6200.00} claiming interest and fees. I never received an itemized statement of charges from Allied Trustee Services. This property was foreclosed and I was no longer living on the property but the XXXX continued to bill me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Billing disputes

Complaint: Attempting to dispute a charge and the credit card company is not doing anything and is requiring a minimum payment even though I am disputing the entire amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Credit card () with Atlanticus Services Corporation (MO).
Issue: Billing statement

Complaint: Fortiva is charging me a minimum payment of {$210.00} on a balance of {$1500.00} for my XXXX Credit Card that they manage. Previous statements with balances of that amount did not have minimum payments that were this high. I have no missed payments and just made a payment of {$2500.00} to them to reduce the current balance that posted prior to the statement being generated. I called and was told that the minimum payment is based on the highest balance and NOT the current statement balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services, LLC XXXX XXXX, CA XXXX I am writing to inquire about a recent escrow analysis and my escrow balance. On XX/XX/XXXX I requested an escrow analysis because my mortgage payments increased and I wanted to know what was the catalyst that caused my payments to increase. I was told that the mortgage payment increase was due to an increase to my XXXX County real estate taxes. I recently requested another escrow analysis on XX/XX/XXXX because I believe the amount that is being escrowed to cover real estate taxes and insurance is over-stated. 

My first question is why is only {$320.00} being applied to my escrow account and not {$330.00}? Per my monthly mortgage statement a total amount of {$390.00} is being applied to my escrow account, less {$65.00} for FHA Mortgage Insurance. There is a variance of {$13.00} per month that should be applied to my escrow account, but it is not reflected in any of my monthly statements. 

$ XXXX- Monthly Escrow $ ( XXXX ) - FHA Mortgage Insurance XXXX XXXX- Escrow for Taxes and Condo Insurance My second question is why the amount that is being escrowed so grossly overstated? The total payments going out for the XX/XX/XXXX year will be and estimated amount of {$3800.00} ( Condo Insurance, FHA Insurance and County Real Estate Taxes ). However when I calculate the total amount that will be escrowed of XX/XX/XXXX, I am showing a total of {$5700.00} ( $ XXXX*12 months ) + XX/XX/XXXX Ending Escrow Balance of {$900.00} ). Even with the required balance of {$510.00}, I am estimating that my escrow account is overstated by at least {$1200.00}. Please see attached work paper for details. 

I am requesting a review of my account by someone in the Escrow Analysis Department as I believe there are some discrepancies that should be addressed. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with AllianceOne Recievables Management (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was called by various debt collectors, never the same company name. The debt was paid  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  transferred the amount out of my account. I burned all day with the State Tax collector, the local court, and got copies of the debt paid in full. Now I have to send via mail the copies  to Alliance One, the de bt collector. I never received a letter, they did n't bother sending to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The number I 'm being called from is XXXX. The collectors hang up when I ask for an address to write a cease and desist letter Ability Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TENET HEALTHCARE CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Non-federal student loan) with Account Discovery Systems, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First, the debt collector alluded to the fact he was associated with my XXXX loan providers. I turns out, he is freelance. 

Second, he offered a {$75.00} a month payment plan. He wanted me to see if I could get {$2500.00} to pay the whole thing off. If not, I would do the monthly payment. He wanted a little down, so we agreed on {$25.00}, which I paid, and received a receipt for. A week later, the day I was supposed to call him back, they pulled {$710.00} out of my account with out notice and without a receipt. This transaction was never discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: I disputed a collections account from XXXX XXXX with XXXX on XX/XX/ 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Payday loan () with WLCC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a XXXX loan in XXXX 2015, they were not clear in the terms, though I questioned them, and was provided false answers since then they have been garnishing my account every two weeks for at least XXXX some weeks XXXX, I have called multiple times, and tried to pay them in full, but have been unable to, I 'm being told that 's not how it works, I have paid over XXXX for this loan so far, I just want to be able to pay it off and be done. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (LA).
Issue: Taking out the loan or lease

Complaint: I have been the Victim of ID Theft and have a fraudulent loan with a company called SOFI. I have disputed this fraud account so many times I 've lost count. I contacted the creditor and felt like they could care less about helping me resolve this matter. they did n't even know if they had a fraud dept. How sad is that? I have sent police reports aswell as other documents to them and they totally ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I found an ad on XXXX for tickets to a basketball game that were very cheap. The seller asked that I pay using Paypal and that they would send me the tickets electronically. Since I knew Paypal to have guarantees against fraud I went ahead and sent the money via their mobile app. No tickets were forthcoming. 
It turns out that the scammer asked me to use Paypal 's " send to friends and family '' payment option which does n't offer said fraud guarantees something that is n't noted in the sending money process.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Idenity theft, submitted affidavit and paperwork to company. 
Company did not comply with validation of account

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 03/29/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: I setup a direct automatic draft payment, from my checking account, to pay my Macy 's XXXX Inc. Credit Card in full every month. Macy 's would pull my full bill directly from my checking account. I setup this payment method around 4 years ago. 

In XX/XX/XXXX, I used my Macy 's credit card. Macy 's apparently dropped my automatic draft payment agreement without any notice. According to Macy 's my automatic draft agreement expired without my knowledge. Macy 's made no attempt to contact me to let me know they were no longer pulling the funds to pay my bill. 

They did not send any correspondence to my home address. They claim to have sent statements to my email address. I reviewed my Macy 's Credit Card Account and found no information from Macy 's about my automatic draft expiring. It was n't until XX/XX/XXXX did I receive a paper statement in the mail showing that I was 60 days past due. I immediately called Macy 's and paid the bill in full. Macy 's had already submitted a 30 day and a XXXX delinquency on my credit report. I asked Macy 's to remove this delinquency. They removed the overpayments but refused to fix my credit report. I had an XXXX Fico score prior to this discrepancy and now my XXXX score is down to XXXX. 

Macy 's XXXX Inc. failed to provide any form of notification that the automatic draft payment expired. They allowed my account to go delinquent without any proper communication.

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 04/13/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: Erroneous Overdraft Fee : As per notice attached from TD Bank, at the end of XXXX, there is no overdraft since I transferred funds from my other account with TDBank. If the check had been returned, the Overdraft Fee would be valid, but the check/payment was cleared on the same day, and even their notice is showing no overdraft at the end of XX/XX/2017. 

XXXX never ever charge any Overdraft Fee for such scenerios.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call repeatedly from different numbers and if their calls are not answered, they call a person who is not responsible for the debt in anyway, but was used as a reference at the time of the debt purchase. I am aware of my debt to this business and am doing what I can. It is completely unneccessary that they call and harrass me as well as people who know me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with Creditors' Protection Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have bills on my credit report I have nothing to do 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 01-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously had an account with this company that showed on my credit report incorrectly for over 6 months. After many complaints they finally removed it.I refinanced in XX/XX/XXXX and this has not been reported on my credit report until XX/XX/XXXX. Prior to this reporting they ran my credit twice and it adversely effected my credit score.I sent them a letter in XX/XX/XXXX regarding the lowered credit score.Though the date reported is XX/XX/XXXX I did not see it on my credit report until XX/XX/XXXX.I made a $XXXX payment that cleared my bank on XX/XX/XXXX and a $XXXX payment that cleared my bank on XX/XX/XXXXTo date I have paid over $600.00.If they cannot report in a timely manner, report accurately and keep the account updated with payments made to reflect an accurate balance they do not need to be reporting to any agency.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: On a daily basis, I 'm harassed by Navient debt collectors. They 've called my house anywhere from XXXX XXXX repeatedly. They 've called my mother 's job repeatedly and has harassed her co-workers on her whereabouts giving them information that does n't concern them. I understand I 'm unable to pay the amount they 've requested at the moment due to financial hardships but we have offered to pay half of what they have requested until my financial situation changes. There rude, disrespectful, and have asked me to put myself in more debt just to pay there loan. It 's just ridiculous now. They continue to harass my mother with wage garnishments, and property liens. We 've spoke with someone continuously about the same thing and there 's no resolution just the same outcome.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Dear TransUnion, This complaint is in reference to the tradeline on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX See attached page from my credit report. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

The Texas Secretary of State lists all legal debt collectors here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not listed ! 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt  Collection Act. They finally responded to CFPB complaint but stated I sent a cease/desist in XXXX, XXXX, that is not true! 

I have filed complaint/disputes with : With you, TransUnion, via direct dispute sent via XXXX 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is violating the FCRA. Please delete this tradeline or I will be forced to seek relief in a court of law.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (KY).
Issue: Taking out the loan or lease

Complaint: Wells Fargo is making it exceedingly difficult to pay off this car loan. Very little information was given to me concerning my options, and also it was conflicting information. 
At first, I was told I could walk into any Wells Fargo Branch and give them cash. This would pay off my loan immediately. Then, I was told I could not pay off this loan at any branch, because the computer systems were different. 
The third time, I called, I was told yes, I COULD pay off the loan, just not state it was a payoff. 
I am confused. 
Also, I was never told I could negotiate the interest on the loan. 
Also, when I requested a copy of the transcript ( which they tell me is recorded ) I needed a subpoena to get it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation