milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a credit card with TD bank in XX/XX/XXXX and in XX/XX/XXXX my card was locked so I could not use it. I was on vacation at the time and to say this was inconvenient would be a gross an understatement. I had been using the wrong routing number which resulted in the payments not being received. In XX/XX/XXXX I realized what the problem was ( no thanks to TD customer service ) and paid off the card expecting to be able to use it. My card was however still frozen and was unable to be unlocked for reasons that were unclear to me. TD bank employees ( I called on the phone ) told me I should be able to use it. I visited TD bank and a sales person told me to cancel the card so I could receive a new one. I closed the card over the phone immediately. My ending bill I received documented me as paying off the card and my balance was {$0.00}. After this was paid I closed the account but the next bill I received had a purchase of XXXX, XXXX in total with interest. I did not make a purchase and was never informed as to what this amount was from. The fees have snowballed each month and now total XXXX, all because of a purchase I did not make or authorize. Because i had closed the card I will not be paying any more money for fees or otherwise and I would like everything expunged. I had tried to sort the issue out with TD ( over the phone ) but their customer service is horrendous and literally left me on hold for a total of at least an hour each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XX/XX/XXXX-XX/XX/XXXX I went to a for profit school for XXXX. The school lied about their success rates with the students who were actually working. Once done with the schooling I was to start paying my loans back after 6 months. I was never given any licenses except for XXXX. When applying for jobs I was over looked because i had no licenses. I was lied to about getting my pell grants which were supposed to go to my loans to help lower them. In the end it was never applied to the loan amounts. Navient has ruined my credit. I cant go back to school with this loans on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Dear consumer finance Protection Bureau. 
To whom it may concerned, I wish to filed a complaint on Citibank. on XX/XX/XXXX, I applied for a debt Consolidation loan through my credit union to consolidate several accounts. But as of XX/XX/XXXX only two was not resolved, the best buy with a balance of ( {$440.00} ) and Home Depot balance of ( {$800.00} ). My credit union relationship specialist has been working on helping me in resolving this situation, but to no avail. 
sincerely XXXX 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 12/19/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Equifax a letter nearly 3 months ago, asking them to investigate errors on my credit report. As of today, they have not responded yet, despite XXXX follow-up letters I sent them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check through mobile banking whi ch Webster Bank approv ed. Almost a week later they returned the check. I contacted the bank on  X/XX/17    and the representative notified me that the check was returned because they could not read the check even though they approved it. She told me she would reverse all of the bank fees. I cashed the original check and deposited cash. On  X/XX/17   . I received another notification of a fee. I called to have it reversed and the bank refuses to reverse it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My Payment to Jared Galleria of Jewlery is due on or around the XXXX of each month. My husband and I both have accounts. I pay the payments online each month on or before the due date. Last month, the payment for my husbands account never cleared our bank when I expected it to. I called when I realized and they told me that the payment never cleared but that they could do the payment over the phone free of charge and would adjust my credit bureau from showing past due. I am meticulous about paying our bills and thought maybe I had just not hit the submit button. HOWEVER, today, I looked at my Jared account because my payment had n't cleared yet that I made on X/XX/17. When I pull up my account online it shows that I have a past due balance. Because of what happened with my husbands account last month, this month, I have been recording the confirmation numbers each time I make a payment on any of our credit card accounts to make sure I was n't making the error. When I called today, the CS person, XXXX, advised that they have been having system issues where they payments are not actually going through even though customers have a confirmation number. My concern is that at no time was I ever notified that there was an issue and Jared has not yet disabled their online payment system so there are likely other customers who are being charged late fees, having credit impacted, losing credit insurance protection etc. from having " late '' payments that are solely attributed to Jared 's online payment system not working correctly. XXXX told me that until further notice, we should call in and make payments over the phone. How are other customer 's supposed to know to do that if there has been no announcement or communication to customers?

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent in several disputes and FTC Reports to EQUIFAX, XXXX  AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX US BKPT CT FL XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX APARTMENTS. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: american express continues to submit false information to the credit bureaus. I filed a complaint with XXXX and they repaired my report plus denied American Express access. 
Now they are submitting false information as if I have active accounts which lowers my credit report. 
Due to illness, I could not pay them and was charged off in XX/XX/2012. They continue to manipulate my report resulting in a XXXX point spread between XXXX and XXXX. I could really use your help as I view thjis as fraud. They also tried to say I opened new active accounts which may or may not still be on report. At this time they show my account as active when it was written off XXXX years ago. Thank Your

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: citi master card charged me double reward points for a cash credit on my credit card. lost XXXX dollars.

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 01/17/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credence Resource Managment sent me a collection letter. I have never heard of them nor do I owe them any debt. I am disputing their attempt to collect an alleged debt under the FDCPA. I also do n't want any further communication from them, written, phone nor any other means. When speaking with them they become deceptive and hostile in falgrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Butte County Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Butte County Credit Bureau is reporting a debt from XXXX on my credit report. I have disputed this debt 3 times, yet they claim to verify it with XXXX. When i talk to the collection agency, XXXX XXXX claims this company is out of business and has noa ccess to any contracts, but has my name saying i owe money. After dealing with him for two weeks he stated we are at a stalemate, and will continue to report this debt that does not belong to me. I have asked him if he has a contract or my signature which he states he does not. But he states all he needs is my name. It is outrageous this agency can get away with ruining a persons credit with out verifying the debt what so ever. Logic tells me any sort of contract would have a signature which this agency will not furnish. They claim it is due to the company being out of business. I then asked if i was to pay you money today, who would actually get this money? He stated he was not sure. This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: My checking account at TD Bank was overdrawn. I had XXXX transactions which totaled roughly {$30.00} ( they were small transactions ). I was charged {$35.00} for each overdraft for a total of {$280.00}. Subsequently, TD Bank removed one of the charges, so the total of the charges is {$240.00}. I called customer service and spoke with a representative and a manager. I asked if the fees could be reduced because this was excessive. The representative said that the charges were all legal, which they are. However, my point is the charges are excessive and predatory. I am a XXXX, trying to do the right thing. I work part time, ironically at XXXX XXXX Representative. I do not mind paying one overdraft fee of {$35.00}. But XXXX fees is excessive. 
This also happened over the course of 24 hours, so it happened very quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been fighting with Equifax for 2 years to remove this unverified debt from my credit profile. XXXX, XXXX XXXX have also asked Equifax to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted Experian multiple times ( XX/XX/XXXX being the most recent ) to alert them of erroneous information that they are reporting on my credit file furnished by XXXX XXXX and they have violated my rights by failing to report data that is valid and correct. I made multiple requests under Federal Law asking XXXX to remove erroneous information reported by XXXX XXXX  and to provide me with any physical evidence that is provided specifically a copy of the original creditor contract, which they should used to verify the account as being valid and correct and was told by a representative that they do no have to do this. XXXX  and XXXX XXXX  are reporting that I had accounts with them at a residence of XXXX XXXX XXXX XXXX GA XXXX, ( an address in which I have no knowledge of ) and that I included them in a chapter XXXX bankruptcy filed XX/XX/XXXX, which is also false information as I did not bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the information was certified as accurate by XXXX XXXX  and that there would be no changes to my report as a result. XXXX  did NOT provide and explanation or evidence as to how they are so certain that the information they are furnishing is NOT a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In an attempt to mitigate any sort of credit issue, I called Navient Student loans ( with whom I have private and federal loans with ). I recently lost my job, and was attempting to put my loans into forbearance or deferment. Navient charges {$50.00} per loan for a 3 month Forbearance period. For the XXXX loans in my name, that was a total of {$150.00}. It is {$150.00} of which I dont have at the moment due to my loss of employment. Prior to this, I had always made my payments on time. If by some happenstance, I were to need more time, I would need to pay an additional {$150.00} to extend out the forbearance period for an additional 3 months. After hours of talking to different operators and managers, Navient 's official position is that they do not offer any non-payment options for their private student loans. As I am now unemployed, this will likely affect my credit rating, and snowballs into a larger debt problem that I may not be able to climb out of for several years at best. I wish to warn any who read this to STAY AWAY from PRIVATE student loans, and Navient especially, as they are extremely unfriendly towards their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: On XX/XX/2017, I purchased XXXX ETH ( Ethereum ) from Coinbase for a price of {$500.00} on my XXXX credit card. 

Since then, it has been marked as a Pending transaction for two months. In that time, the value of my purchase has doubled XXXX. 

I've opened 3 separate support tickets from XX/XX/XXXX to XX/XX/XXXX, and they have been unwilling to credit my account for the XXXX ETH I purchased. Eventually they just stop replying to my emails. 

They have already charged my credit card and taken my money, but will not give me what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX and XXXX I consolidated enrolled in income based repayment. During that process talked to XXXX customer service agents many times and was repeatedly assured that all my XXXX loans were PSLF eligible. This was not correct and I lost about 37 months of PSLF payments before realizing that not all my loans were accumulating PSLF credits. This was an awful experience, and made me feel stupid and helpless and angry. I cried after getting off the phone with agents because the interactions were so frustrating and there seemed to be nothing I could do about it. 

I re-consolidated earlier in XXXX and was told that all of my loans would be on the same payment plan, and would be direct debited, and I did n't have to do anything else. I called and asked about this specifically. 

Then I got a bill indicating that only part of my payment would be direct debited and the other part had a manual payment due. I logged in and changed my entire payment to direct debit and got an email confirming that a direct debit payment would be processed tomorrow, XXXX. I called to confirm this and was told that no direct debit would be proceed on XXXX. I was told to pay manually and ignore the email and the information on my account page stating that an electronic payment would be debited on XXXX. I was told that I could pay manually and then skip a payment next month if the electronic debit was actually processed ( missing out on yet another PSLF monthlypayment credit ) or not pay the bill and wait three business days to see if they process the electronic payment, and pay manually if they did n't. 

I asked to file a complaint about getting misleading information and the agent was sympathetic and said she would note the complaint, but I do n't feel confident in XXXX billing or the information I get from the customer service agents, as dealing with them has repeatedly left me feeling awful, helpless, and frustrated. 

I ca n't pause the electronic payment for this month because it is " already being processed '' even though it is supposedly not going to be withdrawn. I just want to pay my bills on time and not miss out on any more PSLF monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Penn Credit invoice sent to me is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance

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