milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problems caused by my funds being low

Complaint: Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Debt collection (Non-federal student loan) with COLLECTIONS UNLIMITED OF TEXAS INC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a debt collector on behalf of XXXX XXXX XXXX about a past due amount that they debt collector claimed that was owed. When I informed the caller that my peoples gas account had been paid in full and that the original company should have been paid in full. The representative yelled at me and told me that the information about the past due amount will be going on my credit report

Company response to consumer: Untimely response
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

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

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I called to cancel my TransUnion credit monitoring service 2 years ago. Despite being able to sign up online, they did not offer a way to cancel online. During the phone call, i got verbal confirmation that my service would be cancelled and that I would not longer be charged ... however this was only after me repeating " please cancel my service '' for 20 minutes while they recited a sales pitch. Just today, I looking at a statement from an old credit card I realized they never actually cancelled my service. This is 2 years of $ XXXX/month that they have been charging me without my consent.

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 08/19/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have submitted many claims to XXXX with regards to this Target account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to Target and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Have you had complaints submitted on Pacific Union Financial in XXXX TX? 
I am a XXXX representing XXXX and XXXX XXXX on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. 
We had submitted XXXX offers with the best XXXX on XXXX XXXX, 2015 " All Cash '' offer. 
FHA Mtg Letter XXXX still required an appraisal by an FHA certified appraiser. 
They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago XXXX XXXX supervisorrequest the borrowers financial statements to see if they qualified for a Loan Modificationwhich they offer XXXX and XXXX a $ XXXX monthly payment reductions. 
Since the borrowers did not accept this loan modification, the lender is proceeding withtheir foreclosure. The borrowers speak limited XXXX, so I had to assist them on all ofthis. Can you assist on this or will you pass this to HUD/FHA to follow up on this issue. 
I will be glad to provide all the documentation that I have if needed. 
I have attached copies of the last XXXX emails form Pacific Union, I requested the namesand contact information of the supervisors, but never received them. 
Thank you for you help on this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GMA Investments, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Summit Receivables contacted me from a number representing that is was coming from a local calling area. I live in XXXX XXXX, CA. The Number they used was ( XXXX ) XXXX. After receiving very threating tones and accusations from the first Female caller, I called back to speak with a " manager '', After not only being insulted and laughed at, After stating that i would not claim yes or no to the Money owed they are saying, until receiving a Document providing they had acquired the account from another company. One of my Immediate family members works for the XXXX XXXX and XXXX others for the XXXX, and i am very well aware of how much fraud occurs every second of the day. The " MANAGER '' on the phone says to me ... .VERY LOUDLY : " LOOKY HEAR WERE DEALING WITH A XXXX, basically mocking and laughing at me once again. I then Proceeded to ask him not to talk down to me in a manner as such, as I am an Intelligent person, to which he laughed at again. I stated that i am a XXXX XXXX XXXX in a private college, to which he asked " what school are you attending? ", i replied back stating that was not his information to know. Upon making that statement he said and i quote " I have your SS # i can find anything out, and PROCEEDED TO READ BACK MY FULL SS # NUMBER TO ME ACROSS THE PHONE ( ALL 9 # 's ), I further explained that anything can be obtained through the internet now a days. As i am well aware of Customer Service, I know it is Illegal for him to repeat my SS # in full over the phone, Only should the last 4 numbers be read back, or asked of me to read them to him. Not only was this company Beyond rude, they also call at all hours, Calling from numbers they have no relation to, Especially when they are located out of XXXX XXXX. I do n't appreciate anyone talking down to me, especially in a attempt to collect money. I please pray of you to handle this claim as soon as possible, after doing my own research i was able to find other comments made about the Rudeness and Threatening manner in which they conduct their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Called Transunion to lower my monthly bill. They said, " the computer randomly selects who receives a lower rate, call back next month as see if the computer selected you. '' Really we are gambling with my membership and ability to monitor?

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 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX XXXX XXXX directly and by law, they must recall the account from Receivables Performamce. Therefore, Receivables Performance has no legal reason to be reporting on my credit reports and must delete.

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 08/14/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I traded my car in for a small truck that I would be able to use in my XXXX  XXXX as a XXXX XXXX, in XX/XX/XXXX. At the time my credit was not so good but the vehicle I traded in had an excellent pay history. Credit insufficient due to Chapter XXXX filing in XXXX. The sales price of the truck was only {$14000.00}. I paid a {$2000.00} down payment and traded my car which they gave me {$3000.00} for supposedly. Initially they called and told me to they could not get me financed and I had to bring the truck back which I did and got my car but they did not want to give me my {$2000.00} back so they said I could pick up in two days and when I did they had gotten Ally Financial to finance it in for {$360.00} rather than my initial payment of {$310.00} with XXXX XXXX as they still refused to give me my money back. I had explained to the finance manager that I would rather not make a purchase with them for my inconvenience of bringing the truck back and when I asked for my car back before they sold me the truck, told me they had already sold it which was a lie. The issue is that the interest rate ( XXXX % ) is very high and the finance manager said that was temporary. The qualification to get out of the loan was to make the next XXXX payments on time and the loan would be refinanced to a better loan. I made two attempts to do that XX/XX/XXXXand XXXX. I went to the dealer twice and it was nothing they could do. By this time they had a new fiance manager and on two occasions, I spoke directly to Ally Financial and was told that they could not refinance. I would need to go to another bank or credit union. I did have a couple of extensions on two of them I made the full payment within the extension period, but with that being said this vehicle should be paid off with this usury interest rate that I was unable to get out of, in XX/XX/XXXX. I still owe {$8600.00} which means that all the paymnets has been applied as interest and not enough on the principle. this is too much interest for anyone. I received two checks for excess interest, which was the only explanation on voucher. I just assumed from some other class action and thought they would be adjusting but they did not.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax is charging me monthly for two accounts that I have repeatably requested to cancel. When I call into Equifax they say that they have cancelled the accounts, however I continue to be billed for these accounts. When I request a refund they tell me that they do not have a refund policy and that I have to wait an indefinite amount of time for an investigation. I am fed up with this and this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to permanent XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act

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 07/14/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called Credit Collection Services claiming that they were trying to collect a debt owed to XXXX XXXX. I have nothing with XXXX XXXX. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about 9 minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A collection just appeared on my credit file which I know is NOT MINE. I have n't received anything in regards to this. Please help it is showing as Southwest Credit Systems XXXX for {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX 2016 I made purchase with a XXXX down on original purchase of XXXX. Apparently this qualified for deferred interest. I had to return item from this original deferred to a balance of XXXX. In the midst of there statements which are incorrectly billed. The deferred was incorrectly displayed as they made changes and changes to the deferred program I believe to confuse or misguide whatever was going to pay the deferred amount. Well I paid the deferred amount and they apparently say that I have not and decided to bill be XXXX in interest for a deferred I paid already. Starting with XXXX dollars which is deducted from XXXX. The statements show incorrect deferred amount which lead to believe. That credits were not applied correctly so they can come back charge XXXX $ I do n't owe. I have clear record of paying well over minimum and there should be no deferred amount owed. This big lots credit card has Incorrect and mistaken information computed. I spoke with them and apparently they do not look at there own statements to see how wrong the wordi g and information provided is not transparent and unbeliebeable how this practice is allowed to date. They have been contacting via email about offers and new card that have not yet seen I refuse to do business with company who practices deceptive billing practices so that no matter what the consumer does in bringing down down balance in good faith is just not enough. They know I know that it was wrong and they are trying to please me with offers I do n't need or want from them. The original purchase was for XXXX and I retired item in the amount of XXXX leaving a balance of XXXX. Where is the clarity. The receipts clearly show the return but added a separate purchase to the deferred. This is where it 's wrong after backed out of the deferred plans over and over again. I was hard to figure out how my payments were being distributed. Clearly after making XXXX $ in payments that the deferred was covered.

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 Experian Information Solutions Inc. (CO).
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: EXPERIAN is reporting the following accounts with incomplete and inaccurate information. 

XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX Reporting the accounts with no DATE of LAST Activity -- -- -- -incomplete Reporting the accounts with worst delinquency as CHARGE off -- -- -inaccurate REPORTINg 90 days late XX/XX/XXXX7 -- -- -- -- -- -inaccuarte REPORTING PAYMENT HISTORY AS XX/XX/XXXX FAILED TO PAY -- -inaccuarte

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 card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My problem with the creditor was multi-faceted, and quite arduous. I originally opened an N-rewards credit card through Navy Federal Credit Union in XXXX while I was in the XXXX XXXX. In XXXX, I became XXXX for a short period of time, and was unable to work due to a chronic lower extremity problem that required XXXX to fix. Also, as many people did during the XXXX recession, I had EXTREME difficulty finding work. 

I contacted XXXX XXXX several times during this hardship which was ongoing until very recently, and asked for temporary hardship deferment. There were periods of time where I was awarded deferment, however there were also periods of time when I was refused deferment because I had no income. 

Navy Federal Credit Union does not offer hardship deferment or forbearance to members who have no source of income. 

This persisted on several occasions. There were times when I would not make payments for months because I did n't have the money. ( I survived on family assistance. ) Creditors would ask me how I was paying for my cell phone. How I was living at my address. They would say on several occasions that XXXX should do what they say they 're going to, and live up to their expectations. This verbal abuse occurred whenever I answered their calls. 

Over the course of this time, I went back to college, and used my XXXX XXXX. I worked XXXX jobs in order to attempt to pay the account down, but compounding interest on this account kept my NFCU account rolling over with another credit report each month. 

Over this time, my other debts were paid, with XXXX Bank and XXXX XXXX. I was given low interest opportunities through XXXX XXXX. They paid down those cards, and then paid them off completely with what I gave them. I tried to have XXXX buy NFCU 's  debt, but Navy Federal blocked the request several times. 

In XXXX, without warning, my account was charged off during a period of unemployment that I recently had. Before the debt was assessed, I immediately requested a loan from family members for the remaining {$1000.00} balance that I had been paying on for 11 years. I paid it off the next day. However the damage that NFCU has caused to my credit rating for their unruly and unpredictable business practices is still there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (I do not know) with Aargon Agency, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company refuses to provide verification and validation of debt. i have never had a XXXX memebership

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation