milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: 3 years ago I was placed in charged of my Grandfathers bank accounts. He passed away a year later and everything was placed into my name from Wells Fargo. They had his assets divided into XXXX accounts and told me it was best if I did the same and only withdrew from XXXX. I noticed that everytime I with drew ( even though I made it clear I wanted a cap on what could be pulled! ) they would charge me. They opened a credit card in my name that appeared in my account suddenly and began overdrafting me from that account. Even though I clearly had enough money in all my other accounts. When I asked why they stated it would help me build credit since I am a student, but i declined! 3 times ALL my account numbers have changed now. I do n't know about banking and admit I listened to their advice! They charge me sometimes from multiple accounts several days in a row for overdrafts that I asked to pull from an account that is positive. I only own XXXX card but have things pulling from XXXX accounts, plus I was told to stay in this XXXX Savings account but do n't know why and this high yield savings account also, but do n't know why! Plus I can not understand why they unatttached my regular bank account as my back up over draft account and made it into a credit card!! I am confused. 2 weeks ago a new card appeared and I am almost out of money!! I never asked for any cards and HAD plenty of money to cover myself before I ASKED Wells Fargo to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Credit line increase/decrease

Complaint: Chase lowered my credit lines to within a couple hundred dollars of the balance claiming our other cards had rapid increase in balances, ruining my credit. That is because we were using 2 cards to do our major remodel, and were going to pay them off after. They have better rewards than you. This ended up showing THESE cards being maxed out. My other 2 cards you were referring to were still within a few thousand of the credit line. NOT MAXED. During our remodel, my husband had emergency XXXX. You are discriminating against people due to humanitarian reasons. You lured us into getting a XXXX card for 0 % when we went on our big XXXX vacation in XXXX, then wreck my score. This mendacious, deceitful business practice will not be tolerated. I have now PAID THESE CARDS IN FULL! But wait, you have now added a {$64.00} finance charge on the XXXX card because my payment posted the same day as the cycle date. I WANT THAT REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Trans Union -- what a wonderful company ( lol ). Will not give me my free credit report for the year unless I pay for it. Trans Union online dispute form is always down and will not allow me to sign in or sign up. The security questions I have to answer truthfully are not factually correct to access my free online report. So when I answer truthfully then Trans Union claims I am not who I say I am. There are many problems with Trans Union. I ca n't be the only consumer to complain about Trans Union and these issues. XXXX/XXXX credit card has been closed by me for more than 10 years yet XXXX and Trans Union refuses to delete this from my credit report. In the meantime Trans Union denies me free online access to my credit report as well. Why? Trans Union, a XXXX XXXX XXXX taking advantage of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (CO).
Issue: Managing the loan or lease

Complaint: I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, I would like to dispute a few errors on my credit report. First, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by XXXX XXXX XXXX and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. There can not be a case without a valid signature from certified mail. I have reached out to XXXX to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like XXXX to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. 

Thank you, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (VA).
Issue: Fraud or scam

Complaint: Last week Rushcard did a system update in which all cards would be down for a couple of hours. After said time my account has not been correct. I was suppose to get my direct deposit on that wendesday and it is now the following Tuesday and my deposit is still not in my account. I continue to call yet very time I mention direct deposit I get hung up on. I have been without gas and food in my house. Bills are being to be late and my rent is about to be due. On eve I do finally get to speak to someone they ca n't tell me anything that is going on except they are trying to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Transaction issue

Complaint: OUTRAGEOUS. ERRONEOUS BILLINGS CONTINUE TO HAPPEN, NO AUDIT RESULTS, BUT MISTAKES CONTINUE TO " SLIP '' THROUGH. I AM NOW BEING TRIPLE CHARGED FOR A TRANSACTION CLOSING IN MY FAVOR, AFTER DECIDING IT WAS " FINAL '' IN THE MERCHANTS FAVOR. DISCOVER IS NOW GOING TO REVERSE THE TEMPORARY CREDIT GIVEN, HOWEVER WITH THIS REVERSAL, I WOULD BE ENDING UP PAYING FOR XXXXUSD AS YOU WILL SEE IN ATTACHED. PAPER STATEMENTS, DO NOT MATCH UP WITH E STATEMENT " ACTIVITIES ''. SO I AM BEING TRIPLE CHARGED XXXXUSD AND REFUNDED TWICE XXXX USD WHICH EQUALS ME HAVING TO PAY XXXX. HOWEVER, ON THE PAPER STATEMENTS I RECEIVE IN THE MAIL AND AVAILABLE ONLINE, XXXX 'S STATEMENT I WAS CHARGED MISTAKENLY BY XXXX, AND DISCOVER ALREADY REVERSED THE TEMPORARY CREDIT OF XXXXUSD BECAUSE AT THAT TIME THEY CLOSED IN XXXX ( MERCHANT ) FAVOR, THOUGH I HAD ASSURANCE FROM XXXX, THIS WAS THEIR ERROR AND I WOULD BE RECEIVING IT MY REFUND. 
IN XXXX 'S STATEMENT DISCOVER AGAIN REPOSTED THE REVERSAL TEMPORARY CREDIT OF XXXXUSD WHICH I WOULD BE RESPONSIBLE FOR. 
IN XXXX 'S STATEMENT, I HAVE RECEIVED REFUND FROM XXXX AS PROMISED BY XXXX. PLEASE LEAVE AS IS AS THIS WILL ZERO OUT. 
ON XXXX XXXX, 2016, I RECEIVED A LETTER SAYING THE CASE WAS SOLVED FINALLY IN MY FAVOR AND THAT THEY WILL BE ONCE AGAIN REVERSING THE CHARGE OF THE TEMPORARY CREDIT WHICH ULTIMATELY LEAVES ME PAYING AN EXTRA XXXXUSD THAT I AM NOT RESPONSIBLE FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a 5 day notice to this debt before it was resinsrter into my credit file. I did not receive my right to dispute letter for these. I do n't even know what these debts are or what year they are from or anything.

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 12-07-2015 about Mortgage (VA mortgage) with NVR INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: My husband is in the XXXX and recently found out that due to military cutbacks, he will lose his job this summer. Knowing this, we contacted XXXX ( XX/XX/XXXX ) to let them know we would n't be able to purchase their home. The VP of XXXX said we were under contract and since he had a job now, we had to purchase the home. I explained to him ... as per our purchase agreement, I had to proceed with good faith and let NVR Mortgage know that our financial situation had changed. He said I did n't have to let the lender know because my husband was currently employed and that I had to close on the home. But I had a legal responsibility to let the lender know as well as a financial responsibility to our family not to incur a mortgage debt knowing we had no means to pay for it. I contacted NVR Mortgage to let them know of the situation. The NVR Senior Processor asked for a letter from my husband 's place of employment that verified his last day of work ( XX/XX/XXXX ). I provided this letter to her via email attachment on XX/XX/XXXX. Since then, neither the NVR Senior Processor nor anyone at XXXX has returned our phone calls or emails. I called other mortgage companies to make sure we were following the correct procedures. We were told that based on my husband 's employment ending this summer, we would not qualify for a loan and the lender should have provided us with a denial letter. The denial letter would then go to the builder so we could get our deposit back. We are so heartbroken over this situation. The military cutbacks are a hard reality to deal with alone. But now this lender is ignoring us because they work for the builder. Your help would be greatly appreciated. What can we do?

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In my recent review of my credit report for XXXX/XXXX/16, I notice Central Financial Control service reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Central Financial Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX {$360.00} Acct # XXXX {$680.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated HIPPA law . I am able to send the documents as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: We spoke to Bank of America nearly 4 months ago because we used their Billpay service to send a check to our HOA for a check for {$250.00}. This was on XXXX 2017. However, the check was stolen and cashed. The signature on that cashed check was not the HOA 's signature, and the account was not under the HOA name. We reported this check as stolen with the police. 

Bank of America, however, has yet to actually refund our check ( 3 months later ). They told us that we would get the money back in 90 days for sure. However, it 's been more than 90 days and they are saying that they are still waiting on the Federal Reserve to refund. I 'm not sure why they promised us we would get the funds back in 90 days if it was n't true. 

It 's taken more than 5 phone calls, countless hours and emails so far and we have not had the funds returned.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I recently received a background check with Sterling Talent Solutions. I was not properly notified when this background came in and on my report are two incidents that are not accurate as well as incorrect information. In addition, to these issue which took place over 24 and 19 years ago. This information in the first place should have never been included in my report as it is over 7 years old. I have recently filed a dispute with this issue. But the reason for my complaint is that I should have been notified right away if there was a problem as well as this information should not have been allowed to even show on my report even if they say they verified it. I understand the need for background checks but information that is not completely accurate or some what incomplete should not be allowed to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: For the same loan that you had resolved for me previously, I 'm now being asked by Navient which XXXX XXXX had said was their spin off for it again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with Transcontinental Credit & Collection Corp (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I wrote ( and called ) and told them ( the Debt agency and then their attorney ) NOT to contact me. They did anyway. When I called them again - to tell them read the letter you received a month ago and DO NOT CONTACT ME - they both ask can we call you for additional information!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I am trying to rent an apartment but XXXX XXXX apartments is showing that I owe them for an eviction.  When I called them regarding this issue, they told me to contact XXXX XXXX ( collection agency ). When I called the agency, they have nothing on file. I have tried to call XXXX XXXX several times since then but continue to get the run around. The last time I called, I was told that they no longer manage the apartments. So now I am stuck and need to know how to resolve this issue. According to the collection Agency, I do n't owe anything. I have tried to dispute with Transunion Rental Screenings but they refuse to remove.

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 06/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Back in XXXX or XXXX I was going through a divorce where it was decided my ex-husband would pay this payment until divorce was final. I woke up one morning and car was gone, he ended up not paying for a month or two and I had not received any proper notice and the car was picked up by Toyota. I called and promptly paid the past due amount and all legal fees involved and paid off the car the following year when I traded it on another Toyota. 
I find it disturbing that I was not properly notified and I paid the debt within hours, and even financed another car through their firm and they are keeping this blemish on my credit report and are unwilling to remove the item even though it was more than 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

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 06/19/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with AmerAssist A/R Solutions, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: AR Solutions is attempting to collect a debt that is PAID IN FULL -- -- -- They a scammers. Please remove fraudulent collection notices on my credit reports ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

Company response to consumer: Closed with explanation