milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2016 about Debt collection (Auto) with Investment Retrievers, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XX/XX/XXXX, I voluntarily returned a XXXX Nissan Sentra to XXXX. After the car was returned and labeled as a voluntary repossession the car was then sold at auction and collection for the remaining balance was sent to me for payment. 
Some time passed and no payments were made toward the collection and the balance was sold to Investment Retrievers. Investment Retrievers attempted contact with me regarding payment on the debt. I did advise at the time I have been unemployed was unemployed and had no additional funds and was looking to file for bankruptcy. 
Additional time passed and I was served with a document and it was a notification that I was being sued by Investment Retrievers. I later received a notification of a judgement filed. 
Still not in contact with Investment Retrievers I later discovered that on XXXX XXXX, XXXX there was an attempt to withdraw {$11000.00} out of all my bank accounts with XXXX XXXX XXXX XXXX. This attempt was made on all three of my accounts for the same amounts and all are on hold leaving me no access to any funds to live. The only notification that I received was on Friday XXXX XXXX, XXXX that was a letter for a XXXX XXXX notice of garnishment. That is a violation of his privacy to have his private information and data be sent to me in error, I suppose. 
I believe that they have no right to garnish my assets and all holds should be removed. Nearly all debts I have are outstanding due to my financial situation so it was not intentional to not make a payment when able. The opportunity never arose to where I was in a position to do so. Also, had I been able to maintain the payments on the vehicle, I would have kept it, so there is surely no way I 'd be able to pay the total amount owed on the vehicle. The debt collection process was far too aggressive to even go as far as trying to retrieve funds out any bank account of mine. I did n't keep the property of XXXX, I volunteered it because I could not afford to pay any longer. 
Please see the attached documents of what I received from them regarding this garnishment that 's not applicable to the open case I have with Investment Retrievers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with TD BANK US HOLDING COMPANY (MN).
Issue: Billing disputes

Complaint: Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it ....

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I found my house value it is the same as when i first bought it and have put more money in it than I can sell it for. {$25000.00} my house is 117 years old I have been here 27 years paid all my mortgage payments I refinance in 2001 for XXXX still owe XXXX i feel like I am in a losing battle here. is there hope I can get a reasonable resolution I am paying 9.5 % home insurance is way high i am XXXX is there any good advice on this my income is {$29000.00} I just put in new furnace and roof bathroom electric. I am house poor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Several years ago I purchased a car from XXXX XXXX. At the time of picking up the car I had auto insurance with the XXXX XXXX XXXX XXXX XXXX Michigan and I told the dealer to contact my insurance agent and transfer my XXXX insurance policy to my new car. 
The salesman only was interested in delivering the car, and without my permission contacted an agent who purchased an insurance policy with XXXX XXXX. The policy never went into effect, I never bought insurance from them as I had valid insurance with AAA. 
The fact that XXXX XXXX is alleging I owe them {$1100.00} is part of a criminal fraud between their agent and the dealership salesman. 
XXXX, XXXX a credit collection agency for XXXX XXXX is adversely reporting a collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: My PNC Bank account showed that I had money available in my account and let me make purchases using my debit/credit card. My account was then shown to be negative and I was charged a {$36.00} overdraft fee. I complained and told them they should n't have let my card to continue making purchases if there was no money in my account. I was told that either way I would have gotten a {$36.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Associated Bank in MN is apply a lender credit based upon the rate chosen and calling it a " grant '' so that the funds can be applied towards the down payment required of the borrower. XXXX recently issued a statement that this will no longer be allowed. The lender credit for rate selected should not be considered a " grant. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as ofXX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I have a home loan with Bank of America and my mortgage was about XXXX monthly. 
For some reason my taxes went up where I was included to a different percentage rate once I was classified as investor and not owner living in the property. 
So I got in touch with the county and they fixed and I sent to the bank all paper work, but when I called the bank they did not corrected my mortgage payment once my escrow was showing I own the bank almost {$2500.00} and my mortgage jumped to $ XXXX monthly. I told them I could not afford to pay that amount and it was adjusted to {$1500.00} which for my budget still high. 
I know the county still have to send me or to the bank a refund but I have no idea how long that will take. 
I guess the fight should be done between bank of America and the county, I do n't see a reason to pay for someone 's mistake.

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 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They charge me to much when I went to the school and then they send my information to another company now in my credit report it show I was charged 4 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (KY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have an account with PNC. For the past year a ACH has been taking money out of my account listed below. for a total {$1400.00} PNC has told me they have no way of tracking who is taking this money. They have given me the phone # of XXXX XXXX listed below is the response I received via email form them. PNC the last time I spoke to them said the charges originates from XXXX XXXX and gave me the same contact the XXXX XXXX who said they do not take money from anyone account.
I only discovered that they were removing money from my account in early may and filed two Disputes for the last 60 days as my local branch manger suggested. PNC later sent me a letter rejecting the dispute and saying I only have 24 hours to file a dispute. Dispute the Branch Manger ( XXXX XXXX ) say that they blocked future withdraws from this account. I had to file another dispute on XX/XX/XXXX for  {$170.00}.
<P/>
This all started after I switch cc providers from XXXX XXXX XXXX XXXX, whom I have contacted and they said my account has been closed since last year and they have not taken any money since. Who ever is taking this money has never sent me a statement re these charges or have I authorized whoever to take money from me.
<P/><P/>
We are not authorized to remove money from anyones account. Please speak to your bank and they will be able to tell you which company is removing the money.
<P/>
Regards, XXXX, Administrator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ext.XXXX XXXX : ( XXXX ) XXXX Direct ( XXXX ) XXXX  Sprout of success May your business blossom!
<P/>
XX/XX/XXXX CORPORATE ACH XXXX BANKCARD DEPOSIT CCDISCOUNT {$100.00} XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX  XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$180.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX  {$88.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$100.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$81.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$79.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$140.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$150.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$87.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$68.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$76.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: " Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have a credit reporting alert from credit collection services.   The are trying to collect {$600.00} for  XXXX   XXXX .     I do n't have any accounts with  XXXX  or owe them any debt for services. I believe this is another instance of my identity thief ordering services using my credentials.     I called  XXXX  early this year (  XXXX   )  regarding the account but it has n't been resolved and I keep receiving collection notices and payment delinquency damages to my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (WI).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My Td bank checking account keeps having its address changed to an address I havent had access to in more than 6 mo. Theyve apparently been sending my checking account statements there for months despite even having the actual address on file for credit cards and numerous repeated attempts to change the address. I had a credit card statement/payment that was stolen from the mail or never sent that they tried to bill fees for and report to credit bureaus. I have called them repeatedly and changed the address for the checking account. I also went in branch in XXXX XXXX XXXX XXXX. I spoke to a XXXX guy who appeared to be XXXX based upon accent. It takes >20 min every time I call in. Ive had people call me claiming to be td bank reps asking for my ssn etc but they called from a slightly incorrect number. Calling td directly they stated that it wasnt them calling and that they wouldnt ask for a ssn like that. The checking account statements have a lot of personal details on it and also have the checking account number. Theres a few thousand dollars in the account. This is obviously extremely scary. TD also on account opening tried to deduct more than {$2000.00} from a brand new zero balance account despite having transferred that amount into the bank. Td bank has already been confirmed to be targeted at a high level to impede my personal economic prosperity with known XXXX insider threats at the bank including especially XXXX XXXX. Factually all of this stuff needs to stop. Banking and financial services are core infrastructure. These actions and or negligence are all illegal at this point and its extremely terrifying. Please mitigate the threats immediately and bring them to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter for 50 % settlement of a debt of {$430.00} owed to  XXXX   XXXX . However, I am a current subscriber ( in good standing ) with  XXXX  and there 's no way I could be in collections with them. This is a bogus debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Application, originator, mortgage broker

Complaint: I had a bankruptcy 3 years ago and at that time I had a loan from Wells Fargo but this loan was not included on the bankruptcy .But now when I check my credit report it is in there as part of the bankruptcy. This loan was paid off in full and never even had a late payment. I contacted Wells Fargo remove this from the credit reports but they said they could not. I do not know where to proceed next to get this off my credit report.This is impacting my credit and I need it removed.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: From XX/XX/XXXX through XX/XX/XXXX I have been attempting to contact Equifax and XXXX to place a freeze and fraud alert on my credit report. Their websites continually do no load and/or process the request. Contacting via phone is always automated and at the end states " system is not available ''. When trying to contact an agent I receive a " busy '' signal. The automated prompts then indicated there is a freeze on my credit report, however failed to provide a pin to release it. 

There has been an egregious violation of protection of NPPI by these entities and an apparent deliberate attempt to taper or slow down volumes given their business model. Given the type of information they use, sell and profit from, they must have controls in place to effectively mitigate these types of risks. They clearly do not. Not only is this the fault of the company, regulators have failed the public as well given the lack of oversight of this industry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: Navient ( at the time known as XXXX ) gave me a ridiculous interest rates ( some > 9 % ) on my private student loans and required me to have co-signers. It is my belief that it was discrimination at work because of my XXXX name. Friends of mine also with no credit history ( like me ) but not with XXXX names were able to obtain loans with reasonable interest rates and without co-signers. I asked XXXX at the time why this was and they could not explain and said that 's what the market rate was without further explanation. I have suffered great financial pain in repaying these loans as a result of the ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: So I signed up for the care credit account when my dog required XXXX, the amount was roughly XXXX. I set the account up for automatic withdrawal and after 2 yrs thought I must be done. I called synchronity put in my social and the message informed me my account was paid and up to date. I then cancelled the automatic withdrawal from my account. Within a few weeks I was sent a letter my account was overdue, I called and spoke with a representative who informed me that after 2 years of payments, I actually owe XXXX more than the original because I did not pay in time. What?????? OK so how will you work with me for payments considering that is unjustified. We will not, I refused to pay and now I 'm receiving collection letters. Help please unfair and unjust!!!!!!

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