milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DE).
Issue: Deposits and withdrawals

Complaint: TD Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at TD Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my issue is more that the category than I selected. but I mailed the credit bureau a certified letter after disputing online and incorrect accounts came back verified. In this letter I asked to be mailed a copy of what they have in their system to show what they are using to verify and validate that the items I have been declared incorrect, correct. Instead, they sent me a copy of my credit report and denied me my right per FCRA. this is against the law. Below I have the issues that I asked to be corrected. 

2 Inquires- XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX.-XXXX Paid Never Late ( but they have 1 late  payment listed ) XXXX XXXX Account shows late payment when acct should have been in deferment due to being in school at XXXX XXXX XXXX XXXX XXXX account does not belong to me and has been removed off of XXXX and XXXX. Experian has not removed account after mailed follow suit letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (NJ).
Issue: Trouble during payment process

Complaint: I was in foreclosure after a severe XXXX XXXX  caused me to fall behind in payments. I received a grant from XXXX XXXX the amount of {$48000.00} to get me out of the rears and pay the next 5 months of mortgage payments as I continue to heal and get back to working full time. When the government agency asked Provident Funding for the amount I was in the rears, they paid my rears in full and made my XXXX payment. After Provident received the rears payment and mortgage payment, they reached out to the XXXX and said they had other monies owed from the lawyer and needed to be paid so I do not go back into the rears. I was not informed of this and when the government agency told me, I thought it was odd that my mortgage company never sent me any info on this so I asked them. The Sheriff 's Auction/auctioneer fees were {$4900.00} along with other fees. When I asked the mortgage company about it, they told me that what the lawyer sent. Since this was a little on the high side since it never went to auction, I called the sheriff 's office, my fees charged was {$2400.00}. Now I call the law firm and I 'm told the mortgage company is lying and was never sent a legal bill yet. So Povident called the government agency, demanding more money for a legal bill they never received or paid out with amounts they made up. If this is not illegal I think it should be. This additional money paid out was to go to XXXX and XXXX mortgage payments. I do n't understand how they can give an amount to get current only to come back after being paid to tell a government agency you now owe more to be current and they also sent me a bill to be insured by their insurance company over {$1000.00} for 6 months when they already paid my personal homeowners policy. I no longer trust them, I would have not known I owed any other monies if the government agency did n't call me and the money they took were double what I was being billed by the lawyer ... ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017 Hard Inquiry report do not recall this inquiry please remove

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NH).
Issue: Problems when you are unable to pay

Complaint: Bought a 2016 XXXX XXXX in XXXX of this year. Financed through Santander consumer. Made payments at our local Santander branch every month. Receipts to prove this. Tonight they repossessed my car saying no payments had ever been made. Offered to send them the receipts that I gave and was told I 'd have to take it up with the branch I made payments at to see if they could find the money. Refused to work With me at all, or even really listen. XXXX with a supervisor who said same thing. The repo order us out, nothing we can do. You should n't have made your payments that way. You can go to the branch tomorrow but we are taking the car tonight.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (WI).
Issue: Struggling to pay your loan

Complaint: I began taking out RISE loans in  XXXX   XXXX ,  XXXX  for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until  XXXX  and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for  XXXX  in  XXXX   XXXX ,  XXXX  and this  one I  simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We have an Adjustable Rate Mortgage that is being serviced by Ocwen Loan Servicing LLC . XXXX 2015 was a scheduled Change Date for our loan interest rate. It was also the first month when we have started repaying our Principal amount. The original principal payout schedule was included as a part of our signed Mortgage agreement and detailed in the attached Amortization Schedule. The Principal payout was supposed to start from {$1000.00} and gradually increase every month thereafter. However, the statement that we have received from Ocwen requested different monthly Principal payments starting {$1500.00}, about {$500.00} more compare to what was originally signed. Since XX/XX/XXXX any attempts to resolve this issue with Ocwen were unsuccessful, despite escalating it to account supervisors and management team. All request to correct Principal payout schedule resulted in Ocwen responding with an explanation of how Interest is being calculated on ARM mortgage. As a part of Adjustable Rate Mortgage, we have accepted the risk that monthly interest rate may change, but we have never agreed that principal payout amounts can be changed arbitrarily. To avoid any late fees or credit report issues we have paid amounts requested by Ocwen and stayed current with our loan, however we have not budgeted for such significant Principal increase in monthly payments, and asking for your help to resolve this issue and return to Principal payout schedule included in originally signed Mortgage agreement. We appreciate your help in this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XXXX XXXX I applied for an Amex card that offered XXXX XXXX XXXX XXXX XXXX I was approved and I satisfied all spending requirements to be granted the bonus, but the miles have never been credited to my account. 
I called Amex several times and I was always told that an investigation was ongoing. XXXX month later nothing has been resolved. 


Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Transunion is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy. I am attaching supporting documentation to have these accounts reinvestigated. Transunion wrote they verified the account with a 3rd party, but did not identify the name. I called to inquire about who the 3rd party vendor was, and a Transunion representative REFUSED to give me the name. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore Transunion did not verify with them. I have verified with the court that they do not and can not verify anything with Transunion. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections : Chapter XXXX Bankruptcy unverified

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 03/20/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only XXXX but as well as Experian, and XXXX

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 10-03-2016 about Debt collection (Medical) with Capio Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX. To my dismay the alert was an account had been reported to collections. I have been working diligently on my credit and know I have not been late nor defaulted on anything. After some investigating I was able to find out the acct. is from an XXXX XXXX visit on XX/XX/XXXX. Not only do I not recall being in the XXXX XX/XX/XXXX, but I had medicaid ( back then in Michigan it was called the Adult Benefit Waiver ). I contacted the hospital where the original service was rendered and they do not have me owing any kind of balance. The lady in billing also informed me that it is possible that I was billed directly by the Dr. She then gave me the number of XXXX XXXX XXXX. I then called them and gave a very rude lady my info. She explained to me that yes, the acct was sold by them to XXXX, the collection agency and that was all she could tell me. This bill of {$380.00} is ruining my credit and it is not a valid acct. If services were received on XXXX XXXX, XXXX, than XXXX XXXX XXXX should have been paid by my insurance just like XXXX XXXX XXXX XXXX was. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX of 2015 my credit monitoring company notified me that my credit score dropped from XXXX to XXXX. I gained access to my report and found XXXX accounts reported by Alliance One Receivable. I contacted the company and asked what it was and they told me it was a debt to XXXX county. I asked what it was for and they could not tell me. I told them that I never received notification from them that I was in collections, or that they would be reporting to the credit bureaus. Further I was not notified of my right to dispute it. I asked the company if they could provide proof of mailing and they could not. To this day I still have not received any information from this company nor any attempts to collect the money however my credit reports remain tarnished by these accounts that I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2015 about Credit card () with CITIBANK, N.A. (KY).
Issue: Credit card protection / Debt protection

Complaint: I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I continue to supply court documentation regarding XXXX bankruptcy cases that were VACATED. Not discharged. Nor dismissed. I did not go through with any of the Bankruptcy 's.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has reported that they have suspended foreclosure process due to an active bankruptcy case but they have filed a hearing with XXXX XXXX Bankruptcy court to lift automatic stay so they can proceed with foreclosure of my home. Wells Fargo continues to violate local, state and federal laws in their pursuit of illegal foreclosure of homes. The attached documents will prove Wells Fargo is dual tracking for purpose of illegal foreclosure during active Chapter XXXX case.

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 12/28/2016 about Bank account or service (Checking account) with BANK OF THE WEST (ID).
Issue: Account opening, closing, or management

Complaint: I was called by a lady at the XXXX Idaho branch. She stated that they were closing my account and could no longer do business with me. She stated that I was on XXXX. I told her that my account had been opened for a.couple months and that the branch manager was aware of my situation. This is why I got a fresh start checking account. The lady was extremely rude and informed me that my debit card was shut off over a week ago. I asked why I was n't notified BEFORE it was turned off and why I am just now being aware of these problems now ... after the account has been open for a couple months. The branch manager had okay 'd that I proceeded. This is probably the worst bank ever. Now I am having to find a new bank ... and my rent will be late and I will be charged extra fees. I went with this bank due to the local branch having great customer service. This lady works at the same branch.

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 01-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Portfolio recovery started with phone calls stating they would seek litigation if I did not settle/pay an amount they were trying to collect. They did seek litigation and asked for summary judgment. I requested verification of debt and at first they provided nothing and said they did on second filing. Then provided affidavit from one of their employees stating she had personal knowledge of debt and affidavit of bulk sale of accounts on or about XX/XX/2011. They were granted judgement based on this and now trying to garnish my wages. They added on summary judgment a plus pre-judgement interest of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: My mortgage is interest only mortgage, my interest rate and payment is adjusting to and higher rate. I've requested a mortgage modification with my previous servicer who was XXXX XXXX XXXX. During the processing of my modification request my servicer changed to ShellPoint mortgage. I requested a mortgage modification and submitted financial several times. I feel ShellPoint mortgage isn't processing my documents and updating my file with the requested modification documents I've provided. I would like for ShellPoint to finalize my modification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX issued a loan to a non existent person, the perpetrator responsible for the fraud was convicted and the loan was included in the restitution. The bank is refusing to remove the fraudulent trust deed and has initiated and forcing a foreclosure on a verified fraudulent trust deed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo processed XXXX of my credit card payments to XXXX XXXX the same day I made them ( XXXX/XXXX/16 ) causing me to go negative and was charged XXXX XXXX overdraft fees. I have been doing the same type of transactions for years and Wells Fargo has always process these payments at least one ( 1 ) day after and sometime 3 days after I make them. I always pay as a check through the XXXX XXXX website. Their practice was always to process these payments one to three days after. I have always have enough balance when payments are process by Wells Fargo. But on XXXX/XXXX/16 I had only about {$40.00} and they processed the payments intentionally the same day to charge me the XXXX XXXX overdraft fees. My direct deposit was deposited on XXXX/XXXX/16. I called them on XXXX/XXXX/16 to explained and ask for a full refund and they are not willing to cooperate and only offering a 50 % refund. I was charged a total of {$140.00}. Each OD fee was {$35.00}.

Company response to consumer: Closed with explanation