milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I was banking with TD bank and there was fraud done to my bank account. Someone deposited into and then withdrew from my account. Upon their investigation they verified it was not me who did the transaction. It was not me who made extra fraudulent charges. I had never made transactions similar. The signature was not mine. I was in a completely different XXXX when the incident took place. They promised me they would redirect my payroll check into another account for me also. They then decided that since the person knew my pin number that i was liable and they took my check and made me responsible for the transactions. That is totally unfair to me. I was not responsible and they had no proof or a reason to hold me accountable. There are several ways scammers can access another persons pin number. i had been a loyal customer and a upstanding citizen then and until this very day. now i cant get a bank account, they took hard earned money from me and they ruined my name and reputation to other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WA).
Issue: Struggling to pay mortgage

Complaint: Ditech XXXX is in violation of 15 U.S.C. 1692e, a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Ditech has provided me a 3 page ARM note that they have claimed is the legal document allowing them to collect the payments for my mortgage. i have notified Ditech multiple times regarding issues with the XXXX page ARM note. The first issue is the endorsement that is on page 3 of one copy provided by Ditech the other copy they provided of the same document lacks the endorsement. The second issue is that there is distinct tick marks in three places on one copy of the document and void on the other copy of the document. In these two varying documents that are supposed to be the same and original to show a legal interest in my mortgage and the ability to collect payments it brings clout to which copy is original. The third issue is with my signature as it lacks certain traits that can be easily seen in other signatures made by me at that time on various other pages of my mortgage documents. It is my conclusion that XXXX has ignored my attempts to bring this issue to their attention and instead has disregarded them. They have fraudulently made changes to this document in an attempt to show they have a legal right to collect on my mortgage. There has been no explanation provide to why the same document has been provide by them to me with altercations made from one copy to the next. Ditech XXXX XXXX. Being the current servicer of the mortgage loan has failed to meet the requirements of licensing in the state of Hawaii or provide after multiple request such documentation showing that it has meet and followed all state law. They have violated both 454M-2 license required and 454M-6 requiring a license to perform loan modifications. 454M-2 License required. ( a ) No person except those exempted under this chapter shall engage in the business of mortgage servicing without a license as provided in this chapter. ( b ) No person shall engage in the business of mortgage servicing in this State unless the person providing services has a physical presence in the State pursuant to section 454M-5 ( a ) ( 5 ).

( c ) No person licensed as a mortgage servicer shall provide mortgage loan modifications or any other services that would require licensing pursuant to chapter 454F

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Advertising and marketing

Complaint: I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.

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 UNITED SERVICES AUTOMOBILE ASSOCIATION (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. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Last XXXX XXXX 2017, I applied for a job at the XXXX XXXX XXXX XXXX and I found out that the XXXX XXXX account # XXXX I no longer have any responsibility since my ex-husband refinanced it and took me out of the loan. It reports being open reporting up to 120 days of delay affecting my credit history and the possibility of obtaining work. Although you send the necessary evidence for this information to be corrected in the Experian agency, you continue to report incorrect information, determining that XXXX XXXX confirmed that the information is correct. The XXXX and XXXX agencies corrected the information. I request that the necessary attention be given to my case since this incorrect information depends on my possibility of a job that I request.

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 01-09-2017 about Credit reporting () with ALLY FINANCIAL INC. (KS).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. 
ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into XXXX 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 08/30/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I have submitted paperwork several times and keep getting asked for the same things. Attached is a name affidavit, the letter for the name, hud-1, and the utility bill with correct name and address. Please let me know what else is missing the Buyer is getting impatient and this is taking forever to get an approval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: to many inquires on my credit report that im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (VA).
Issue: Account opening, closing, or management

Complaint: I have a mortgage through US Bank. Several months ago, due to my medical condition and other short term circumstances, I fell behind on my payments, during which time I submitted a loss mitigation package to give me temporary respite to get caught back up. US Bank had said they needed more information for my package ( specifically a written statement that I no longer had tenants ), but had not informed me of such. By the time I was informed, my loss mitigation package had already been dropped ( XXXX XXXX ). Now I am in danger of foreclosure. Additionally, I was told that when I submitted the required paperwork to my POC via email, the representative I spoke with told me it was n't their responsibility to check that the document was received, and had no knowledge of whether or not it was. Furthermore, I asked for protection under the SCRA, using all proper procedures, and had no response regarding that aspect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (MI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was taken from my account. Four out of the last 5 months this same " Small Balance Adjustment '' has taken place. This " Small Balance Adjustment '' has happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Submitted complaints every month after this " Small Balance Adjustment '' occurred with no resolution to this matter except, not to keep a balance in the account that was an overpayment on my part. On XX/XX/XXXX I received a phone call from XXXX ( XXXX Ext XXXX ) and was told they expect to have the problem resolved by XX/XX/XXXX. Also informed her I did not want a check mailed to me for {$71.00}, which was the overpayment in my account. At this time I requested a letter be mail to me to confirm our phone conversation. As of today, XXXX XXXX, XXXX I have not received any letter to confirm our phone conversation. I did receive check number XXXX, dated XXXX in the amount of {$.00} which was the overpayment in my account as of XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX, a Customer Service Rep ( Employee XXXX ) in your XXXX, VA office. He suggested to place a stop payment on the above check, which he did on XX/XX/XXXX and the {$.00} ( amount of the check ) would be applied back to my account in 3-5- business days. As of today, XXXX XXXX, XXXX, the {$.00} has not been applied back to my account. I am requesting the {$.00} and the {$.00} in question be returned to my account which were removed at a " Small Balance Adjustment '' on XX/XX/XXXX and XX/XX/XXXX. Please also advise if the " Small Balance Adjustment '' problem was resolved on XXXX XXXX. If it has not please advise when the problem will be resolved. This issues was reported to Bank of America in XXXX, XXXX, which is 5 months ago, and still it is a on going issue. Per XXXX XXXX ( XXXX Ext XXXX ) I was informed the " Small Balance Adjustment would be resolved by XX/XX/XXXX. What happened? Please also inform me as to what steps Bank of American has taken to resolve this issue. Thanks for you help and please call me at XXXX and confirm our phone conversation with at letter stating what was discussed.

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 09/22/2016 about Payday loan () with Clarity Services (MO).
Issue: Can't contact lender

Complaint: I keep getting calls, texts and emails about completing my loan application to get my money fast. I have not applied for any of these loans. I have spent 3 days filling out forms for Identity Theft and filed a police report. I got a denial email XX/XX/2016 for a loan I did not apply for. I have told these companies multiple times to not contact me and remove my name, phone number and email from their list. 

The following companies that continue to contact me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Clarity Services, Inc. XXXX ( Multiple unauthorized hits on my Credit Report )

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: Account was paid as agreed. Never late.

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 03-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a GAP VISA. I do n't owe them anything. I never opened it.

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 08/19/2015 about Debt collection (I do not know) with HOVG, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from Bay Area Credit to collect on a debt that does not exist. My only existing debt is my student loan debt which is handled by XXXX XXXX. Bay Area first repeatedly called my parents ' house back in XXXX 2015 -- where I do not live -- attempting to collect personal information about me. My mother told them she would report them and they stopped calling my parents. Somehow, they obtained my cell phone number ; their first call to me was on XXXX XXXX, 2015 ( XXXX, no messages ). Since then, they call during my work day. They have only ever left a voicemail XXXX, and they sounded suspicious. Sometimes they call every day, sometimes they call maybe once or twice per week. I 've contacted XXXX ID ( a credit monitoring service -- set up after the XXXX cyber attack ) regarding the calls, and they told me this is likely a phishing scam and to ignore the calls from Bay Area. I followed their advice to ignore their calls, but they are really annoying. I am on the Do Not Call registry. Please make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX I have been diligently negotiating a Note Modification with Nationstar Mortgage. Since the inception of this negotiation Nationstar has been adding erroneous amounts to the impound account. Briefly {$550.00} per month will cover all the impounded expenses. Nationstar has been accessing {$870.00} to impound expenses ( see attached letter with back up to Nationstar ) Since XXXX/XXXX/2013 Nationstar has been applying these extra amounts to principle. I pay the insurance. There are no XXXX fees. The only item impounded is the Property Tax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, XXXX 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to XXXX is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.

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 03/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: There are XXXX accounts in collection the problem is i never have had XXXX phone service nore have i ever applied for any type of credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I called to extend my lease for 1month. I was told the fee would be XXXX. I was told XXXX times that I would be sent the extension paperwork-not to send in the payment alone but with the document of extension. I was told this and waited. The paperwork did not come until 19 das later. My phone has been ringing with them calling me telling me that I am late ; I have explained my situation but to no avail. I have asked for the harassment to stop. I blocked their phone number but now another one of their phone numbers call. My last appeal for the incessant calls I was told that until they received the paperwork the calls would and could not stop. Interesting though I thought since they did receive my check. I have never been late with a payment and want others to know about the awfulincompetent service. I am afraid this will never be righted and my credit will be affected. The XXXX has had XXXX complaints in 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with Phoenix Financial Services LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Representative claimed that they had sent numerous letters, which I had never received. When I told him I wanted debt validation and verification before I spoke with him about anything, he began to use a child version of my name in a very sarcastic and derogatory manner. Then he said if I refused to enter an agreement NOW, he would send letters to my employer about the debt! Now I 'm fully aware this is illegal and I 'm sure he is as well. I started to ask his name but he hung up the phone. I called back at the number but spoke with a woman who apologized for him, which is simply not good enough. I told her I wanted debt validation and verification and if she would give me an address, I would send her a letter asking for exactly what I needed. She never gave me the address and said they would not call again. Later in the day, there was a letter from their collection agency but there was no debt validation, no proof of their legal obligation to collect, no proof of them being legally licensed in the state of Missouri to collect any debts. There was a name of the supposed original creditor but no date and no reason for the debt so I have no idea if it 's mine or if it 's valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation