milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: I was charged {$170.00} for overdraft fees on XXXX XXXX, 2016. The bank held all my debits and presented them on the same day, beginning with a large check I wrote for {$15000.00}. As a result, I was charged {$35.00} for a {$1.00} item, another {$35.00} for a {$7.00} item, another {$35.00} for a {$34.00} item, etc. I realize that I am responsible for ensuring that I have funds available, and I review my online bank every day. My online reflects that funds were always available for all the items I presented, when I presented them. I have attached online screen prints. I can not afford to be charged this overdraft fee at this time. I was granted a refund of {$70.00} but need the rest of my money. I just purchased an investment property and plan to bring plenty more funds to the bank, if they show me that they value my relationship. I have never overdrawn my account before, and this all occurred because I was traveling and in the middle of the big purchase, so I may not have paid as close attention as I usually do. I maintain balances in my account well over the premier account requirement. I only recently changed it because I need to write another large check soon. As you can see in my account history, I also have other accounts that I would consider moving to TD Bank, if I am granted this one time courtesy refund to refund the entire {$170.00} I was charged. If not, please call me to let me know how to have all my accounts closed. Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my Trans Union, XXXX and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

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 01/13/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a debt from an XXXX XXXX XXXX Credit card that I was offered when I did not know anything about managing credit. I was young and was not educated on debt and how to effectively manage it. I was n't aware of a way to dispute this or make payment arrangements before the account was put into collections. If I was afforded the opportunity to resolve this correctly, I would not currently have this blemish on my credit report. I 've always been scared of the negative effects credit could have if you were not responsible. Now that I am XXXX, I understand finances and how to acquire and maintain great credit. I currently have a care note, and multiple credit cards with zero late payments and very low card utilization. I 'm currently asking for forgiveness of this debt, and that it be removed from my credit report due to missed communications between XXXX and I and how I do not have a history of negative credit card debt on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at  XXXX   XXXX   XXXX   XXXX , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED M Y INFOR  AS I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is m atching. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balan ce   XXXX   XXXX   XXXX    {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}    XXXX   XXXX   XXXX   XXXX    {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have th e Legal Permissible Purpose to access my credit report and under FCRA can be dispute d through the credit bureau. It is then the companys responsibility to prove permissible purpose i.e.  Inquiry for cre dit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number Thereof   XXXX   XXXX      XXXX    XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX     XXXX    XXXX   XXXX    XXXX    XXXX    XXXX   XXXX   XXXX   XXXX / XXXX   XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX / XXXX    XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Medical) with RSI Enterprises, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RSI ENTERPRISES IS TRYING TO COLLECT XXXX DEBT FROM XXXX XXXX XXXX, THAT HAS A BALANCE OF XXXX THEY HAVE ENTERED XXXX SEPARTE COLLECTION REPORTS OF XXXX,XXXX,XXXX AS OWED ACCOUNTS. I HAVE A STATEMENT FROM XXXX XXXX SHOWING XXXX, THIS BALANCE IS FROM MY HEALTH INSURANCE COMPANY FAILURE TO PAY THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CO).
Issue: Managing the loan or lease

Complaint: I made a payment over the phone for my auto loan on the day the payment was due and I was assured that the late payment would report as paid on time. The payment was never 30 days late and its been reporting as late since XX/XX/2014.

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 04/20/2017 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Customer service / Customer relations

Complaint: I requested a PIN number for my  American Express Card so  that I could access cash through an ATM. I requested this on  XXXX   XXXX . I was told a permanent PIN would be mailed to me on the next business day. I was to receive it in  5 to 7 days. I checked with American Express o n the evening of the  XXXX  since I had not received it. I was told it could take a couple of more days and to let them know if I did not receive it.   I called them again on  XXXX   XXXX  as I still had not received it. I was told by the customer representative that it was out for delivery and I might receive it tomorrow and there was nothing that could be done. Wanting to see why it had taken so long I asked to speak to the Supervisor. I was given the same story. I then asked to speak to  the Supervisor 's  boss, a gentleman named  XXXX  who told me there had never been a PIN sent. When I told him what the customer representative had said and asked who was wrong he assured me it was not him. I then asked who had told me an untruth and he assured me it was not him. I was told that nothing could be done and that he would open an investigation. When I asked for the results of that investigation to be sent to me, he said they can not do that. I then asked to speak to his supervisor a gentleman called  XXXX  ( sp? ) who apologized and said they will investigate, but nothing can be done about my being given false information several times. I told him what upsets me most is that a financial institution has lied to me, he apologized for that as well. Basically I have done everything that I was asked to do, was misled and the answer is gosh we are sorry. This company handles cash?

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2017  I pulled my Credit Report I noticed on my Transunion report that I had a new hard inquiry that was submitted by  XXXX   XXXX  for something called  XXXX   XXXX   XXXX . I am in the hombuying process so I knew for a fact that I did not apply for any new credit. I called  XXXX  and was informed they would send me somehting in the mail that I never received I called them again today and was told that this error showed up on a few people reports and it had nothing to do with  XXXX  it was a Transunion error. If transunion know it 's not correct information why did'nt they correct it. My issue is that I close on the  XXXX  and now my mortgage company is asking me about a new credit inquiry that I dont have an answer for. I need them to correct this ASAP before I possibly lose my house and not have a place to stay because I did not renew my lease and this error was at no fault of my own.

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 01/13/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received any validation documentation from COMMONWEALTH FINANCIAL SYSTEMS. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today, every hour since XXXX ). The problem is there is no way to stop the automated calls, even if you return the call. 
1. Call is a recording with a specific person asking you to return their call. There is no person on the line, and no option to get to a live operator. 
2. You call them and ask for the person who was in the message, as requested, but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer, I have to guess what it 's about. 
3. You can tell them it will be caught up by specific date, or whatever, but the multiple calls will continue until the next payment is made. 

I can understand a call a day until you contact them, but really, every hour, for the co-signer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Real Time Resolutions is showing a debt on my credit report for a property that was foreclosed on in 2010. I spoke with a lawyer yesterday and they said that the statute of limitations in the state of South Carolina is three years and this debt collector no longer should be affecting my credit score. They should also not be seeking payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Peaks is unwilling to help me with my XXXX XXXX loan being unemployed and unable to make payments on my loan. They charged me {$60.00} in fees to bring me up to date but after refused to work with me any further demanding I pay. I have sent emails that have gone unanswered and receive phone calls that just ask me for money. I have exhausted my 6 month grace period not having a job. They know I am unemployed and currently unable to pay them back. Their lack of help will lead me to default and financial ruin for years to come.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First, some of your choices did not apply to my problem. I only selected them so I could proceed.     The first paragraph below is my first contact with the  XXXX  of Ohio  XXXX . General regarding GC  XXXX   XXXX  Partnership/Gulf coast Services/ Operations Division. They in turn, contacted them about my complaint. I have attached a copy or their atty 's response. Below  is a summary of my problem : FAIR DEBT COLLECTION PRACTICES ACT. I have student loans. Through a collection agency I made arrangements for pmt in  XXXX   XXXX  and was assured by employee, that I was not certified for my tax refund to be taken. It was. On  XXXX  the agency mgr said he would listen to recorded ph calls & get back to be by  XXXX . He did not and will not respond to my calls.   To me, this deceitfulness regarding the offset and the refusal of the mgr to return my call is a blatant violation. In return, the atty said he has been disciplined. You do n't discipline someone of they are NOT GUILTY! Please review the attachment.     In addition to the above matter, my initial contact with the agency was with agent  XXXX   XXXX . We did not have a congenial conversation and when she hung up, she called me back and called me a  XXXX . I suspect it was on her personal phone, and so it ca n't be proven. However, I believe it was on  XXXX   XXXX ,  XXXX  about  XXXX . Those calls could be listened to. I had also told Mgr.  XXXX   XXXX  about this in my conversation with him on  XXXX   XXXX ,  XXXX . I 'm confident this was covered up as well.     I look forward to your response.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Other bank product/service) with KEYCORP (VT).
Issue: Problems caused by my funds being low

Complaint: ON XXXX/XXXX/2015 I PURCHASED A KEY POSSIBILITIES PREPAID DEBIT CARD. AT THE KEY BANK IN XXXX, VT. XXXX. 2 HOURS LATER I LOST THE CARD. ORIGINALLY IT HAD {$400.00}. I CALLED THE BANK IMMEDIATELY AND REPORTED IT LOST. I WAS TOLD I HAVE A BALANCE OF {$210.00} AND A CHECK WILL BE MAILED TO ME FOR {$210.00}. TODAY XX/XX/2015 I CALLED KEY BANK AND THEY SAID I HAD A BALANCE OF {$.00}. THEY MADE A ERROR AND AS IT STAND 'S I AM OUT $ XXXX DID THE RIGHT THING AND REPORTED IT LOST. THE CARD NO. IS XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VT. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Payday loan () with EZCORP, INC. (UT).
Issue: Can't contact lender

Complaint: I received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with American Accounts & Advisers Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The dispute i currently have is with Suburban emergency associates over a bill they did not properly bill or explain the charges on the bill. i asked them more then once for itemized records of where the numbers they have are coming from as i do not think i received the services they are billing for. Next thing i know there is a collection agency calling and sending letters threatening to sue me if i do not pay now. I responded to them asking that the matter be sent back to the service provider so i can try to get the correct bill amount and explanation they responded by threats of law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions.

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 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Credit card debt) with URS Holding, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I had a business savings account with chase in addition to my primary account, so if any money comes in that can not cover on my main account it would automatically withdraw it from the savings account. Chase has closed that account and never made me aware. I have been getting abused with fees from them that is excessive. I have been talking with the branch vice president XXXX XXXX at chase and he has been really rude and unprofessional and unwilling to help me. I am really getting ripped off by Chase Bank.

Company response to consumer: Closed with explanation