milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV FUNDING LLC seems to be on my reports it shows I owe {$130.00} for an account I have no knowledge off.LvnV IS ACTUALLY on my reports XXXX XXXX different accounts XXXX as lvnv XXXX as XXXX XXXX and various addresses for the collection company. 

I have no knowledge of this accounts I believe they are not mine.show me proof or anything because I have never heard of this. 
LVNV FUNDING XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXLVNV FUNDINGXXXX XXXX, XXXX XXXX XXXXXXXX different addresses across the country with same phone number I have tried XXXX address and numbers unsucessfuly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I disputed a charge wit h TD Bank they  still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over  XXXX  and withdrawals that totaled around   XXXX   yet they still overdrew my account to charge me fees. The deposit was n ot one  that was put on hold it was an immediate credit.   They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date.   THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $  XXXX  CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, my information was released as part of their data breach. While they have set up the option for credit monitoring, I need to proactively sign up and the terms of service for that service includes a clause that appears to be intended to limit class action lawsuits. That is outrageous and should be illegal in cases of security breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX of XXXX through XXXX XXXX Kept breach a secret for months that allowed the hackers a head start on using the information gained. 

equifax system breach. Allowed access to my personal information that could/will cause problem for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease

Complaint: The maturity date on my auto loan with Santander Consumer USA is XX/XX/2015, however, they state my current balance is XXXX.  Since my payments are only $XXXX a month, I called to ask why my balance is so high and how this is going to be paid off in three months.  They advised that since I was late on my payments that interest has accrued and I still owe them this amount.  I have made a total of XXXX payments, so they have received $XXXX for this vehicle.  They state this is in my contract which I reviewed and could not locate this information.  With the additional amount owed, they will receive over $25000.00 for a vehicle that was originally sold for less than $13000.00.  I do not believe that I should have to pay this additional cost.  They did not add the interest to my payment history, they just applied my payments to interest and did not reduce the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. 
I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment from them.

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 06/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account with Wells Fargo was overdrawn due to an oversight on my part, I then in turn made a deposit to cover the overdrawn amount and the cover any additional payments that might have been coming into the account. The deposit was made using the Wells fargo  mobile application, the amount was received/processed and paid by the maker bank and the funds were released by  XXXX   XXXX . I notified  Wells fargo as to the situation regarding the deposit not being credited, I was informed by the initial Wells Fargo repre sentative that the funds were not released by the maker bank (  XXXX    XXXX    ).  I then proceeded to call  XXXX   XXXX  and they notified me that funds were released and the check was pai d to Wells Fargo, so therefore Wells Fargo would  be in possession of the funds.  <P/> I then called  Wells Fargo again to notify then if my conversation with the other bank, I was told that was n't true and that I would have to wait 10 c alendar days for the funds to be released by the bank. I explained again that  XXXX    XXXX   has already released the funds and the amount was paid. Therefore  Wells Fargo  was placing an unnecessary hold on the deposit. I was in turn passed on to an  executive customer service team that would be able to handle my request, after a conference call with both banks, it was confirmed that the funds were released to Wells Fargo, yet the representative on the phone then stated that though he had the ability to release the hold and therefore making the funds available to he would not do it and that I need to call the next day because it would be a whole business day later and then the funds would be released then or I would have to wait till Monday  XXXX  to have another manager  handle the request. I explained numerous time that I did n't need the money to make a withdrawal but rather to have the funds available to insure that payments that were to be made on the account would be processed.  <P/> I then explained to them that it appeared the bank placed unnecessary holds on the funds in order to keep the account in negative status so that they can generate additional fees in the consumer account. I

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 10-08-2017 about Debt collection (Other debt) with C&F MORTGAGE CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert with them took action in United States District Court-XXXX, VA without notifying anyone of the lawsuit that was brought against and the order that was signed. C & F Mortgage Corporation, its officers, employees, agents, assignees, and successors as well as other participants in concert then proceeded to take action against those parties of interest in a derogatory and immature manner. ( Statements attached ) My statement includes information about restitution and whether or not an organization should restitution on my or our family behalf and at this time, I, XXXX XXXX XXXX am indicating " No. '' My response includes the fact that I have been affiliated with the XXXX before, however, after reviewing the participant that entered briefs, it has been determined that the former XXXX President filed a brief in the " XXXX '' case in which was heard by an XXXX XXXX Judge ( XXXX XXXX XXXX ). The mission of the XXXX is to protect people of XXXX against discrimination and in this case, the organization did not do so well at doing so. As a matter of fact, the " dumbing '' down of indicating it is " janitorial favoritism '' as if a janitor or other low profile individual ( s ) would receive the same amenities as a prominent individual as " XXXX '' is absurb, however, it might would be a pacifier to give a less prominent individual an amenity to disguise racism for someone trying to show that they are not XXXX, even if their race is XXXX XXXX. Again, the XXXX injured some self-sufficient and/or prominent XXXX XXXX   individuals when they drafted that brief, who are actually innovators and successful in their own right and right here in their own communities for some individuals who suppressed XXXX XXXX   progression in many arenas and painted the picture that success was better represented corruption. Despite the XXXX efforts to include or integrate other races and specifically XXXX  in to the XXXX, the mission and still focus is to advance people of XXXX in society, not aid in suppression, oppression, and degrading our XXXX XXXX leaders of notable and successful stature. The XXXX may represent people that live off of others income and success, however, I was never on of them. The community ( s ) we live in aid these individuals of all races enough with public assistance and housing vouchers. However, I and many prominent XXXX XXXX are not them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Rocky Mountain Recovery Group (WY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter dated XX/XX/XXXX stating I owed on an original creditor account number that was never mine. I disputed the debt in 2 separate letters, one sent by uncertified mail on XX/XX/XXXX. The other sent certified mail XX/XX/XXXX. I got a validation letter with a completely different account number in which I had already paid the original creditor and had a {$0.00} balance on. The collection company then said I owed interest of {$340.00}. Which they did not provide any proof or contracts that said anything about any interest that was due. Though they stated that I owed it to their " client '' even though I have a {$0.00} balance on the account with their client. Not only did they provide me with an incorrect original creditor account number to begin with and amount owed, they contacted me by phone before they even sent what they thought was verification of the debt owed. They decided to switch to the account number after I had provided them with the documentation I did not owe on the account. They have the incorrect date in which the account was paid. They just made up a number in interest and said I still owed their client. I don't owe them or their client any amount. They also contacted me by phone on XX/XX/XXXX where they left a voicemail. Any collection agency must state that the purposes for communication is to collect a debt. They failed to do so.

Company response to consumer: Untimely response
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. XXXX and experian are reporting foreclosure and XXXX is reporting short sale 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 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is on XXXX student at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus

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 08/31/2015 about Bank account or service (Checking account) with U.S. BANCORP (MT).
Issue: Problems caused by my funds being low

Complaint: I am paying late 2014 IRS taxes. In XXXX the IRS took out XXXX payments of {$250.00} by mistake. I scrambled to get money to cover the payments. I could not verify thedate for XXXX. There was no pending payment listed on line on XXXX XXXX. 
I bought a plane ticket to visit my family at a great price of {$310.00} on Sunday XXXX XXXX. 
On Monday the XXXX, the IRS took out a {$250.00} payment and the plane ticket was listed as pending. I called the bank and asked if they could stop payment or holdthe {$310.00} payment until Friday XXXX. The person said she would take care of it and I was lead to believe there would be no charges. I did not proceed further with the airline. 
I checked all week online and the {$310.00} was listed as pending until Friday the XXXX. Then the {$310.00} was listed as paid on Monday the XXXX and XXXX overdraft charges of {$35.00} totaling {$100.00} were deducted from my account. When I called thebank, a manager told me that the charges were normal and she would not refund the charges. The bank has a new policy that a general manager must approve refunds. If approved, the refund is sent by check by mail to the customer rather being redeposited into the account. This process takes weeks. The very high charges and lengthy refund process place customers at risk of more charges. 
I work with XXXX and donot have much money. In XXXX, I finished paying off over {$22000.00} in credit cardwith this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with ACS Education Services (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was in school full time from XXXX XXXX until I graduated from XXXX XXXX in XXXX of XXXX. During this time my loans were in deferment. Upon graduation I was informed that I have 6 months to not have to make payments. I filed for IBR payments in XXXX XXXX and have made all required payments on time, without fail, since then. Upon looking at my credit report this year, somehow my account with ACS is delinquent from XXXX XXXX XXXX, but then goes current again starting in XXXX XXXX and has been since. Somehow, in less than a month after graduation, I am 60 days late on a student loan within my 6 month grace period. 

I 've contacted ACS several times about this. I 've let them know that I have several other student loans and NONE of them have reported any late payments, ever. They have been completely unhelpful with this situation and are completely unwilling to help me out with this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wells fargo is trayin to make me Pay for a check that i never deposit into there account And this is the reason why they ofer me a secur crdit card and close IT right away, i belive this is not fare. 
XXXX THE I RESIVE A CHECK FOR A COMPANY Y DO N'T REMEMBER THE CORPORATION, BUTI BELIVE THAT WAS A SCAM, I ASKEF THE TELLER AND SHE SNACHED THE CHECK OUT OF MY HANDS AND SAID THIS IS VOID CHECK, BUT STILL DEPSIT IT ANY WAY, DID NOT GAVE ME CKECK BACK FOR ME TO DESTROY AND STILL DEPOSIT ANY WAY. THANK YOU FOR YOUR TIME AND CONCERN REGARDING THIS MATTER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: Please refer to my first complaint ; Case XXXX. XXXX filed on XXXX/XXXX/2016. The nature of that complaint was against CitiBank , N.A . Briefly, XXXX changed from XXXX XXXX cards to Citibank cards. I did not want a Citibank card and advised them by phone in XXXX, 2016. Their binding agreement stated that " Even if you do n't use your card, this agreement will take effect, unless you contact us within 30 days of receiving this notice. '' There was no date on the notice, but I did receive it in XXXX 2016. I called Citibank immediately upon receiving the notice, and told them not to send a card. They sent XXXX anyway. I called Citibank and told them I did not want a card and to cancel any account. THEY REFUSED! I subsequently filed a complaint with CFPB on XXXX/XXXX/2016. 
On XXXX XXXX, 2016 I received a letter from Citibank, XXXX XXXX, XXXX Response Unit, XXXX, advising me that my name and address was removed from their solicitation lists. On XXXX XXXX, 2016, I received another notice from Citibank that a new Citibank credit card was on its way. On XXXX XXXX, 2016, I got another Citibank ( same as the first XXXX ) in the mail, urging me to activate it immediately. 
Apparently, Citibank believes that they can bully the public, and create an account using their credit card, whether they want XXXX or not. Moreover, XXXX XXXX XXXX lied in her response letter to me and to CFPB by telling us that my name and address was removed from their data base. I am aware that Citibank paid a settlement to the Federal Government of XXXX XXXX dollars for Mortgage Loan Fraud. This is indicative of their Fraudulent and Unscrupulous business practices. Now it appears they have branched out into creating unwanted accounts and refuse to delete these accounts from their database. 
I am a mother of XXXX teenage girls, I work full time to support them. I do not have time to be constantly respond to being pestered into having accounts I do n't want ; only to be refused upon request to delete such accounts.

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 05-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a request for a modification review with my lender, Rushmore Loan management on XXXX/XXXX/2015. My authorized 3rd party and I spoke to them mulitiple times after this and they stated that they received the documents for the modification review, but they are denying it because they want to proceed with the foreclosure sale of the home on XXXX/XXXX/2015. Please help, I want to save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Medical debt) with Collection Bureau of Kansas, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Complaint is against the Collection Bureau of Kansas who also goes by the possible alias? of XXXX XXXX XXXX Attorney at Law. I have been having trouble with that office for years ie complaints to XXXX, BBB, local courts and now have taken a step to contact the Missouri Attorney General as well as the Kansas Attorney General. The complaints are from a-z ie continuous and overwhelming phone calls from that office a few years ago to now having a judgement on my credit that has now effected my opportunity to get a lease on a townhome. I decided I would submit another complaint through here in hopes to help other families that he has had a negative impact on and to hopefully draw in an investigation on what goes on in his office. I have been in communication with his office too and have had very poor Customer Service as well as dishonesty and a hint of corruption. His office says they do not buy debt but XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX ( XXXX ) says he bought the debt when the hospital was bought out and it is out of their hands to help. I would like to see an investigation into this company and its practices. There are so many details I could share via documents, notes from conversations and emails that point to an office that is causing more questions than answers. His office has now garnished more than the original amount owed too. Is there not something that CPB can do to change how Medical Debt is handled and how collection agencies like the Collection Bureau of Kansas aka XXXX XXXX XXXX operates or if he can even legally operate in this way?

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