milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the XXXX to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, 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 11/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: What have a house with a loan from Citimortgage. We refinanced this loan with Citi three years ago and now have a principal balance of {$130000.00}. During the time of obtaining the loan, Citimortage obtained a very, very low appraisal on the house so after three years we had the house appraised recently at {$180000.00}. With this new appraisal we went back to Citimortage to request PMI removal. Citimortgage sent us a document stating we had to mail them back an official document and pay {$300.00} for an appraisal ... nothing else. The appraisal came back recently at {$170000.00} and based upon this corrected value the LTV rate is 77 %. Upon talking to Citi today, they stated they will not remove the PMI as they are going off the original appraisal value which is not correct. Most lenders recognize that there 's little point in requiring PMI after it 's clear that we as homeowners are making our mortgage payments on time and that you have enough equity in your property to cover the loan if the lender has to foreclose ... which of course we do. At this point Citimortage is holding up the process on purpose against the 1998 Protection act and laws at hand. If we do n't get resolve using the CFPB we will take Citi to court as this is nuts. Appreciate whatever help you are able to offer. 

Thank you, 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 08-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank Of America 's Risk Dept sent me a letter XX/XX/2016 informing me they were closing my XXXX bank accounts we had with them. XXXX business and XXXX personal accounts. No explanation was given for their decision to close my accounts after 35 years of doing business with them. 
Bank of America sent cashier checks for the balance in XXXX of my accounts. At this time {$1200.00} was not sent. I am being told by their fraud dept. I am on camera at XXXX, in their XXXX branch receiving the money at the teller 's window.I am being told by their fraud dept. my ATM card and pin were used in the same transaction.I have documentation to substantiate I in fact was on a XXXX XXXX flight to XXXX XXXX at the same time. 
Bank Of America is refusing to release my {$1200.00} dollars to me. I believe XXXX in Bank of America 's Risk Dept is responsible for the " missing ' money.I spoke to XXXX on XX/XX/2016 at approximately XXXX-XXXX at Bank of America 's XXXX XXXX XXXX branch .I was demanding they release my money to me from my personal closed account. I needed my money to cover a check written from my new bank to cover a business rent payment. XXXX said NO. " I had been made aware of the need to have my money out by XX/XX/2016. 

XXXX from B of A 's fraud dept. stated I took the money out at XXXX on XX/XX/XXXX. At XXXX on the same day the money was still in the account. My bank statement shows the money being taken from the account on XXXX XXXX, from XXXX branch teller window.Their fact contradict themselves. I believe Bank Of America is deliberately keeping my money.The local sheriff dept is not being helpful.The Sheriff were told by the branch manager I was in the branch and received my money.I find it necessary to hire a legal firm to assist me to obtain my money.

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 non-monetary relief
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My rewards Visa credit card from Wells Fargo was stolen or illegally used on XX/XX/XXXX. There was 13 transactions of a total of {$990.00} used. Unfortunately short after I reported, the bank declined the claim. I reopened the claim with a police report on XX/XX/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 04-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I did a refinance with Bank of America. I have owned this investement property for 10 years and have paid a total of {$35000.00} in PMI as the loan to value was not XXXX %. the PMI payment is {$300.00} a month. currently the LTV is over XXXX %. Owe XXXX and appraisals are coming back at {$410000.00}. I have requested 5 times total to remove and they refuse. Also apparently they changed the terms in the refinance that it is now XXXX % LTV and minimum 2 years before they will look at it. I have offered to make a one time payment to reach the XXXX % and they said they would be happy to take my money but would have to again apply to get PMI removed. I do n't understand. Unprofessional. Bank of America is taking advantage of there consumers and not notifying them of these line items.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX  XXXX. Although, the company has not responded. I expect that it will be resolved quickly.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and XXXX have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. Experian, XXXX, and XXXX have it reaged.

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 09/20/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XXXX XXXX, 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XXXX XXXX, 2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt.
I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

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 non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove these Credit Inquires from my report immediately. 


1. XXXX XXXX XX/XX/2017 .. 2XXXX XXXX XXXXXX/XX/2017 3, XXXX XXXX XXXX XXXX  XX/XX/2017 ..
4 XXXX XX/XX/2017 3., 5. XXXX XXXX XXXX XX/XX/2017

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 11/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Making/receiving payments, sending money

Complaint: I was signed up for the Wells Fargo Identity Theft Protection Plan on XXXX XXXX, 2010 and I do n't ever remember signing up for this service. I am charged {$15.00} a month and it dates back over the past 6 years. I went into a Bank and the woman was rude and would n't help me or let me talk to a banker when I asked and when I called the number the man would not help me figure out how I was signed up for the service.

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 10/24/2016 about Credit card () with BB&T CORPORATION (NC).
Issue: Delinquent account

Complaint: I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.

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 11/13/2017 about Mortgage (Conventional home mortgage) with STANDARD MORTGAGE CORPORATION (LA).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXXmy daughter was hospitalized to XXXX XXXX. She presented with complications and the XXXX turned into a XXXX XXXX. Her original due date was in XX/XX/XXXX. I to had be off for 2 weeks at this time from work and unable to pick extra shifts with my other job as well. I myself have had some XXXX XXXX and missed a lot of work. I am currently on intermittent FMLA with my employer. I fell behind with XX/XX/XXXXand XX/XX/XXXX payments sent a payment for XX/XX/XXXX in it was returned to my bankruptcy attorney with a letter stating it 's not enough. They stated I needed {$2700.00}. My attorney told me that she would have the notes added to my plan in my chapter XXXX bankruptcy. XXXX XXXX refused to accept these terms and filed a motion to lift the stay on my home. Which has been granted in XX/XX/XXXX. I was told I had until XX/XX/XXXX to come up with XXXX. Then forclosure will start by XXXX XXXX at Standard Mortgage Corporation. XXXX XXXX who works in the bankruptcy department asked the reason why my payments were n't made be put in writing and she would consider accepting the plan agreement from attorney. After she got the reasons she said my financial situation Was n't going to get better and denied the plan agreement and went forth with lifting the stay. I feel my case has been handled inappropriately and I 'm being discriminated against at this company. This is not the first time I have been discriminated against here. I have been with this company for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Medical) with Southwest Recovery Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a XXXX done in 2012 in XXXX XXXX, NV. I had XXXX XXXX XXXX ins. I paid my {$100.00} deductible the night of the study. Time lapsed. I started getting calls from Southwest Recovery Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) about the XXXX center bill. After many calls to my ins co, SW Recovery and the XXXX company 's supplier, I found out : XXXX center went out of business, but before closing they sold the accounts receivable accounts to SW Recovery. In addition, XXXX Co never turned in a claim for my XXXX to my ins co. It is the responsibility of the XXXX to bill my insurance co or to at least let me know they did not bill so I could handle the paperwork. They did not. By the time I found out the allotted time to file a claim had expired. I did not know that the XXXX co did not bill the ins co until I started receiving calls from SW Recovery. I have all the records of SW Recovery phone calls. 

The original collection bill from SW Recovery was in the amount of {$3600.00} but SW Recovery reported a total of {$7900.00} to the credit bureau. SW Recovery also listed each charge as a line item. There are a total of XXXX negative individual listing entered on my credit report. 
I sent certified return receipt letters to all XXXX credit bureaus explaining that the medical bill for the XXXX was the XXXX company 's responsibility. Some of the bureaus removed a few entries but not all of them. 
I can forward you a spreadsheet of the phone records of the calls SW Recovery made to me. All but the first few calls were after I had told them I was not responsible for the XXXX bills and not to call me. The calls continued. Over two hundred calls. 

I had requested from SW Recovery a detailed list of what I owed. They could not provide any detail at all. They said they had no record of the billing, yet they gave XXXX individual items to the credit bureaus which totaled {$4200.00} more than I owed. 

Please help me get the SW Recovery derogatory items removed from my credit reports. Your help is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with Orions Management Group, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XXXX/XXXX/17 at about XXXX I received a call from XXXX ( XXXX ) XXXX. The person on the line said this is XXXX from Orion. I asked her if she could provide me with a website address. She was reluctant to give me information. She was very rude, and she said, '' I ca n't do that, XXXX orian you should be able to find it. " She went on to tell me about debt I owed and if I wanted to settle. I told her yes. She put me on hold. The call got disconnected. I called back and again she was very rude. She said, " You hung up on me! I have your credit report right in front of me! You pay no one! You there?! helllooo! Ugh I 'm putting you on hold. '' The call got transferred to another person named XXXX and I did settle the debt with her. She asked me for my work name and phone number. I did n't provide the phone number because I have previously received multiple harassing phone calls. It would be humiliating to receive them at work. This company contacted family members that I do n't speak to. I had a family member call me and ask me if I was being taken to court and being sued because someone by the name of XXXX left a threatening message.

Company response to consumer: Closed with explanation