milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Bank account or service (Other bank product/service) with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Deposits and withdrawals

Complaint: I opened an account with Pentagon FCU in XX/XX/2015. I also had an overdraft protection account of {$500.00}. Sometime the following year I cam behind in payments on my overdraft protection account loan ending XXXX. At that time Pentagon FCU denied me access to my checking account in which I had direct deposit. The froze my debit card in which I would have no access to my money because there are no branches in the state of XXXX, on top of that they required that before I be given any access to my direct deposit that I bring my account current. Even though I told them that I was unable to pay at the time and was willing to work other arrangements. As a result I was unable to pay my rent or car payment and my car was repossessed. Please look into this as I feel my rights were violated. They did give me the option of having my money XXXX XXXX to me but that was only after i brought my account current.

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 04/23/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage received and cashed my XXXX 2016 payment but they did not apply it to my loan # or mortgage account. 
They tried to say that I did not send it in, but the records showed that it was cashed on XXXX XXXX, 2016 well before it would be considered late. 
They stated they had " lost '' the payment and proceeded to send me letters stating I was overdue and in default. They called repeatedly asking for the payment they had already cashed but never applied to my account. 
I requested proof of payment, including the endorsement and the # of the account it was deposited into. I have sent this information to Freedom Mortgage, but they have yet to apply the payment to my account and continue to call me, saying that my payments are late. 
They have refused to send me a check for an escrow overage that is due me, even though I am up to date on all payments, just because they never applied the payment correctly to my loan #. They are sending my bills with late fees, even though I am up to date. 
They have refused to respond to XXXX recent emails, asking for them to call me back. Their representative, XXXX XXXX, stated that Freedom Mortgage would reimburse me for the fees necessary to prove endorsement and cashing of the payment. He stated he would send me correspondence on Freedom Mortgage letterhead to confirm this, but this was never done. Why do they expect customers to pay the price for their ineptness in losing payments and to incur additional costs to provide proof to them of their own endorsement and cashing? 
I have spent 40+ hours talking to their " customer service '' representatives who treat me like a criminal, even though I have sent them all the evidence to prove that this is THEIR ERROR and they have had the money in their account since XXXX XXXX, 2016. 
They are non-responsive and have not fulfilled their contractual responsibilities to me as a customer in completing the basic task of applying my payments to my loan. They are at fault, have taken no responsibility and have demonstrated incompetence and a basic lack of regard for their obligations and duties. 
They should be held accountable. They have XXXX complaints against them.

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 05/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Problems caused by my funds being low

Complaint: I have been a customer of TD Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that TD Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the TD Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called TD Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by TD Bank I am seeking information on these accounts and have these overdraft fees wiped by TD Bank and I am also seeking my check of {$930.00} to be returned by TD Bank to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have invalid inquiries that resulted from identity theft reappearing on my credit report. These have been deleted from XXXX bureau but not the others. I 'm attaching proof of completion. I expect them to be deleted here as well.

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 10-02-2016 about Debt collection (Medical) with APEX Asset Management, LLC (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This Apex collection report showed up on my report magically without any warning this year. I need this false report removed immediately! I have been sending in a report every week and will continue to do so because I feel this is criminal activity and they should be fined at the very least or do jail time. I need something done about both Apex slanderous accusations or I will be hiring an attorney. This is most definitely criminal activity and needs to be resolved quickly. No one in my family has ever in thier life been to a neurologist. No one from any hospotail has ever contacted me regarding any {$15.00} balance owed for anything or else I would have asked for paperwork. Why did both of these {$15.00} charges just show up a couple of months ago when I supposedly owed it from 5 years ago? Remove it now!

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX   XXXX     2017 I rec eived a phone call from  XXXX   XXXX  wi th National Credit Systems , Inc  about alleged money that I owed to  XXXX   XXXX   XXXX  Homes. I told her to send me proof in writing to validate the debt. I know under the Fair Debt Collection Practices Act that they have 5 days to send me the information. I received the letter yesterday,  XXXX   XXXX   2017. I t was postmarked  XXXX   XXXX     2017.   Included was an invoice from  XXXX   XXXX   XXXX   XXXX , listing various charges and it was addressed to the apartment that I had moved out of. I never received this original invoice, so I never had the opportunity to dispute or keep it from going to collections. I do n't believe they mailed it because I would have received it since all my mail was forwarded. I tried calling  XXXX   XXXX  after I moved out many times and I never once received a return phone call. They also never tried to call me about anything I owed. my phone number that they had on file did not change. In addition,  National Credit  Systems failed to prove ownership of 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 02-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Bank of America to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Bank of America decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I contacted LVNV about an old debt that I was tricked into paying after statute which is being paid as agreed. While I was talking to her, she found another old credit card debt from 20 years ago which was paid to a different creditor, but is back on their books with outrageous interest. The statute of limitations is 6 years in our state. They sent me a letter demanding a response within 30 days or they will take legal action against me for a 20 year old debt that was already paid to a different creditor. They are basically bullies taking people 's lunch money. I do not know whether to reply or not. The last time I replied to LVNV about a 15 year old debt out of statute, they sued me and I am still paying it. The amount is easily XXXX the original amount owed to the credit card. Our local judge just pushed these through and takes the money for the local court. Please help us. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.

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 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient reported my fed loans 6 months late and they had been paid in advance and now they harass me with 6 phone calls a day if im late because im on income based repayment and they told me im not allowed to apply for baorrower defense cause i went to devry and they told me i would be helped finding a job and navient told me to ask for federal loans like deferment to stop payments for a few months i need to pay a fee of XXXX dollars also they have an auto dialer on saturday that constantly calls but when you call it back they say call back on monday why do you harass people on saturdays and they call from different states all the time

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a car note that was refunded to my rushcard on XX/XX/2016 I spoke to XXXX different agents who stated that I will receive my funds within 10 days I am delinquent with my rent thanks to Rushcard.. 1 agent stated that they neededa email from the Merchant which was sent then they stated that the pending status would fall off after 10 days ... still no funds. Had a conference call with my Merchant and Rushcard agents..the Merchant told the agent they cancelled out the payment and released my funds but the Rushcard is holding my funds Not sure what to do to get my monies to pay RENT

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Critical Resolution Mediation LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have a similar name as another individual and received a call from Critical Resolution Mediation located in  XXXX , GA. The representative was named  XXXX   XXXX . She asked me if I was the person she was looking for and I indicated that that my name is the same as someone else but the SSN does not match.  XXXX   XXXX  then proceeded to say " well you just said your was the individual '' and I answered " my name is the same but not the same SSN thus I am not that person ''. Well she then proceeded to represent herself as an attorney and called me a "   XXXX   XXXX   XXXX   '' and hung up. I proceeded to call her back and she indicated that " you will not get the last word '' and hung up on me again. I am concerned that this may be scammer trying to obtain information or a unscrupulous debt collector who resorts to name calling in order to intimidate people. This debt is not mine and representing yourself as an attorney when you are not is a threatening tactic. Please do something about these people as no one deserves to deal with a business that would use  racial  slurs to get their point across.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: and I purchased my wifes engagement and wedding ring from XXXX XXXX from your retail store in XX/XX/XXXX. I have made my monthly payments on time and made my last and final payment of {$1000.00} in XX/XX/XXXX. I received a receipt once my payment was finalized. However, months after the payment was made I checked my credit online and it showed I had an outstanding balance with XXXX. Since XX/XX/XXXX I have been in contact with the home office in Ohio of XXXX XXXX. I have faxed the receipt and proof of payment countless times and as of XX/XX/XXXX my issue has yet to be resolved. Each time I contact XXXX XXXX I have to re-explain the situation but only to be transferred to a supervisor who always assures me the issue is being worked on and I will be contacted. There was a point I was in contact with a supervisor who was very apologetic and let me know a credit repair service will contact me and the payment will be applied through the treasury/finance department. Since my conversation with her, I have had nothing but failed contact attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Transaction issue

Complaint: I was contacted by an unsolicited telemarketing phone call on XXXX XXXX 2014, by a salesperson named XXXX from XXXX, she asked me to pay {$390.00} for a package including XXXX websites : XXXX for shopping, XXXX for travel and XXXX for green products, and I would make 15 % commission on anything sold on these sites, including commission on my own purchases, I paid the fee with my Amazon Visa Card, later on about a week after XXXX called me again and offered me a new package, It would cost me {$10000.00}, she said I would be part of a special group of customers that would participate in a year long marketing campaign. I would be paid a referral bonus of {$100.00} for any new people that signed up for a website package like I did.I was also told that I would receive a 5 % commission anytime anyone clicked on a banner and placed an order linked to my website. She told me this program would also push to each of my websites and that I would be able to monitor that traffic. I was told that this service would also include a lot of work on my new websites to make them more unique. Needless to say I ended up paying that fee once again with my Amazon Visa Card. 

I checked my websites and they were all spelled incorrectly, from what me and XXXX talked in the beginning, so any traffic being pushed there would be a waste of time, I contact them and requested that they correct the problem.They did a couple of weeks later but also I got notified on XXXX XXXX that my " year long '' advertising campaign had ended, I paid for a year and I got that notification 3 months after, I informed them I paid for a year and I expected a year 's worth of service, they ignored my request. They were stringing me along with excuses every time I called them. I contacted customer service around XX/XX/XXXX and found out I had a new account manager named XXXX XXXX. He told me that my websites were being totally reworked and that I would be happy with the results. I have n't heard from him in the next weeks.Then I got an email from Customer Service talking about " the new affiliate process ''. It was then I saw that my XXXX websites had been transformed without my permission or knowledge to an Amazon affiliate site. I called and asked what was going on and XXXX told me the company has changed hands, I was not happy with the site at all. I told him that this materially changed the contract I had entered with AOD XX/XX/XXXX and that I was n't happy with the change, after I sent that email XXXX did not return any more calls from me, then I found out later that my site was switched to XXXX. They breached the contract and they effectively put me out of business by shutting down my website.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a dispute letter to XXXX asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankrutcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So XXXX lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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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 06/16/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CT).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with Quicken Loans, and the loan closed on XXXX XXXX, 2015. On XXXX XXXX, 2015, funds were disbursed and my previous loan was paid off, and I was supposed to receive a disbursement check of {$950.00}. The check was supposed to be sent by overnight mail and I was supposed to receive the check on XXXX XXXX. As of today I have not received the check, and after several phone calls to XXXX, without receiving a return call until yesterday, I was finally told that it was the title company that supposedly mailed the check by mail instead of by express overnight service. The title company has no tracking number for the mailing and can not provide a location of it or a delivery date. As such, it remains unclear when I will receive these funds, that are obviously due to me per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (ID).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XX/XX/2017    I made a withdrawal for {$300.00} from the  Wells Fargo  ATM,   XXXX   XXXX  ,   XXXX  . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.

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 10-11-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Trouble during payment process

Complaint: Violation of the contract per the HUD XXXX statement was noted on XXXX/XXXX/XXXX with a incorrect interest rate adjustment being imposed via XXXX mail. XXXX ( employee # XXXX XXXX in Special XXXX Department assured us it was corrected from 2.625 % to 3.25 % XXXX the correct interest rate adjustment ) and did not know why someone was going into our account at this point of the year and adjusting our rate incorrectly. Today XXXX/XXXX/XXXX XXXX employee # XXXX in a recorded conversation by me was not able to explain why the interest rate was adjusted again and why XXXX payment due was calculated wrong again. There is gross mishandling of accounts and poor customer relations ( ie calls dropped or transferred.

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