milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2016 about Credit card () with TD BANK US HOLDING COMPANY (MO).
Issue: Billing statement

Complaint: TD Bank issues and extends credit for Nordstrom branded credit cards. The periodic statement issued is misleading. On page XXXX of the periodic statement, they offer payment options. It states " We offer many convenient ways to pay your bill - pay by phone at XXXX .... '' When you call this telephone number you do not ever get an option to speak to a representative or receive an option to pay your bill. When the telephone number is called all you hear is advertisement/solicitation XXXX after another, nothing else. For example, I called and I heard advertisements/solicitations for XXXX, XXXX XXXXXXXX, XXXX XXXX, multiple vacation offers and coupons. Never once were you given an opportunity to bypass these ads or given an opportunity to pay your bill as stated on the periodic statement. 

This is misleading, unfair and deceptive to consumers. For example, I do not have possession of my physical card and would like to pay my bill. I ca n't set up bill pay with my financial institution as I do not have the full account number. I ca n't choose online payment at norstromcard.com as I do not have the full account number. My only options are by phone or mail. Due to the timing and not wanting to incur a late fee, I chose pay by phone. It feel like a bait and switch by telling consumers they can pay at the aforementioned telephone number and that number is actually just solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A company called  XXXX   XXXX  license number  XXXX  called and attempted to collect on a credit card account from    2003  that was paid in full with the company Washington mutual via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/2017 XXXX received a Letter for dispute via Certified Mail. 
XXXX, as of today, I have not received an answer from Exquifax from them regard my dispute. I requesting Proof of verification from the following Illinois Federal Court Bankruptcy # XXXX-Unverified Account XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late Payment XXXX # XXXX-Unverified Late payment. 
I am requesting this information be Permanently Deleted due to untimely respond from Equifax and Inaccurate reporting of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MS).
Issue: Problems when you are unable to pay

Complaint: I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to 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 card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone opened XXXX fraudulent Capital One credit card accounts in my name. XXXX with Capital One Bank USA opened in and CAP ONE NA. They approved these fraudulent accounts. Once I noticed that this was n't my account I tried to dispute and they would not hear of it. They in fact filed a judgement against me for {$1600.00}. I told them that this was not my account and I refused to pay. After numerous attempts to have these items removed, they told me if I paid the judgement they would remove both items AND the judgement within 7 days. These items were preventing me from obtaining credit to assist my family. They took my money and lied to me. They never fully removed the judgment and did not remove these XXXX items. I feel violated and taken advantage of as an XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am submitting a complaint in regards to identity theft on my credit report. Experian has done nothing to remove this fraudulant information. Today I finally received notice from XXXX that they have completed there investigation and it proves there was identity theft and they will notify the credit beaurous to remove this information off my report. I have XXXXother accountXXXX that was done fraudently and I have been disputing this information but experian just keeps updating my report and leaving it on there. A XXXX account was opened up in my name and it keeps reporting as negative on my credit report. I also have XXXX other accounts XXXX ... .XXXX ... .XXXX ... ..that are reporting negative on my experian report which is incorrect. I have disputed this information numerous times and also submitted to them XXXX seperate letters that were straight from commenity bank who holds these XXXX accounts. The letter states that these accounts were not late and my report should be updated. These accounts are suppose to be showing as satisfactory on my report. I am getting the run around with these credit reporting agency 's. This incorrect information is hurting my credit score.

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 09/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: i do not have any credit cards in my name i lost my wallet back in 2012 and i get on XXXX XXXX to apply for a credit card and i was declined so i went to XXXX and it shows that i have XXXX credit cards that has been used in restraunts clothing stores and other places like XXXX and never got anything from XXXX ive always used go phones and now i have bad credit for something that i never did

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other transaction issues

Complaint: Want to transfer money from Bank of America / XXXX.to XXXX. Completed paper work. And medallion signature. Money still not transferred. XXXX had paperwork for almost 2 weeks. Called XXXX XXXX VP in XXXX and lleft messages to call me back and has not done so. If on vacation message did not indicate that or to be referred to another person.

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 07-02-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: During a kitchen remodel of my home which I purchased in 2000 a slow leak was discovered. The insurance adjuster came and saw the damage and submitted a check for XXXX. The mortgage company said they would apply that to my monthly payment and I was to use my regular monthly payment for materials and to pay the contractor. They did not uphold their end and my mortgage was delinquent. Later m they tried placing me in a loan modification program. It was back and forth with a document missing or lost in a fax stack, so the process had to start again. This continued for XXXX more times, until my home was auctioned without me having ant prior notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Dear Sir, or Ma'am : I was not fully aware of the fee associated with a check stop-payment. However, I was charged it and I accept that. However, I was then charged an overdraft fee for the fee. I find this to be excessive.

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 01/25/2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX in XXXX I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone XXXX payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from XXXX XXXX XXXX stating i needed to make XXXX payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.

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 09-02-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Problems when you are unable to pay

Complaint: This account has past the XXXX year mark and has n't been removed off of my XXXX report. It has been removed from XXXX. But still remains on XXXX. By law it has exceeded the time that is allowed to be on my report. Thank you for your help in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax credit report includes an entry that my wife and I have a government lean/levy for {$26000.00}. I have a letter from the government stating we do not owe anything. I believe the local county ( either XXXX or XXXX Pa ) added the lean/levy. The other credit bureaus do not have this negative entry. My wife and I are seniors living on a fixed income. 

Please help us. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost ten years it was sold in XXXX XXXX to SLS Specialized Loan Servicing. While it was being sold I was in the process of a modification with XXXX. The modification was due to my interest rate going up from a previous modification set up. I was current on payments. I then started the process with SLS who from the start was a hassle. They sent out the forms and I submitted everything as they ask I was set up on trial payment {$50.00} less than my actual payments. The rep had asked that I still make the total current payment during trail which I did. The rep set up all the payments over the phone that day. The first payment in XXXX XXXX was denied by my credit union because it was not recognized, the same day I went back in and made the payments. This is all noted on my bank statements I will be attaching the statements showing all payments were made as asked. But they have my credit report showing 39 days late. I do not want this modification any more I do n't trust this company and they were trying to get me to agree to a XXXX balloon payment. Before I said I do n't want this modification I was asking them to correct the way my payments where being applied. I have reached out and did everything they have asked. The XXXX original reps I spoke to agreed with me payments were being applied incorrectly due to some code on my account. I just want my credit reporting correct and know what I owe to continue you mortgage they way it was. I 'll pay the difference and move on. I regret all of this wish my mortgage was never sold. My next payment to be paid is on the XXXX for the amount the rep set up this payment was to go towards my last trail payment for XXXX XXXX. I do n't know what to do next this has put me at serious health risk with my XXXX. I just need some direction on how to get this fixed. I do not want to refinance at this time I qualify for help and was just reaching out. They also sent me over a recast that I 'm unsure of when I contacted SLS they were unaware of it. Please help

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 08-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Good morning, An employer whose fictitiously written a check in the amount of {$1900.00} asked me to work as a mystery shopper and XXXX XXXX XXXX, XXXX, as he stated that after shopping at XXXX for {$50.00}, keeping {$250.00} as payment for writing my survey, was to redeposit that XXXX money order back into my personal Wells Fargo account for the remaining balance of {$1600.00} for the next service agent 's survey. 

I contacted the initial XXXX party website at : XXXX ( XXXX XXXX of XXXX XXXX XXXX Police, XXXX, XXXX, CA ) whereby they referred me as an employee and later I informed him of this phising scam and so he took a report. I said to him {$1600.00} was redeposited into my bank account as XXXX XXXX fowllowed me with my cell phone and cash was passed onto the next service agent. At no time did I understand by the XXXX that this was a phising scam, but Wells Fargo Bank bounced a fictitious paycheck that cleared on XXXX/XXXX/2015 and then, bounced on the XXXX. By that time, the cash was already deposited into XXXX XXXX XXXX across the street and I lost out on the total of {$1900.00} for alias account holder : XXXX XXXX XXXX account no, XXXX XXXX XXXX. 

Please let me know if there 's any restitution for this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit repor ts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus TransUnion, and   XXXX   did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information, and my wife 's information, was reported by Equifax as part of a massive data breach in XXXX-XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XX/XX/XXXX. I filed multiple claims multiple times but they never got back to me or recredited my account. I do n't even see credits from large fraud charges to merchant named XXXX. There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges American Express is holding my liable for as of now that equals my total current balance. THis has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew AE would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against AE now using this CFPB service. They still have not done anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been making payments for 10 years. the first three years have n't counted toward my public service loan forgiveness program because I was on the wrong payment plan and was n't informed. When i found out how it works around 2013 I got on the income based repayment plan and paid what I believe is XXXX $ toward my 10 years for the public service loan forgiveness program. Now I am being told that I cant count any of that towards my 10 years because they did a consolidation on my loans. This is unfair. I am not even sure why they did the consolidation as there was no real benefit to me and also I was NEVER informed that would cause me to lose out again on money I paid going toward my loan program. I would have been on the lower monthly plan if I knew it wouldnt count- this is unethical and would like it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with CITIBANK, N.A. (IL).
Issue: Wrong amount charged or received

Complaint: On  XXXX   XXXX ,    2017 I m ade an online wire transfer from  Citibank N.A.  to  XXXX   XXXX   XXXX   XXXX ,  XXXX  for the amount of {$3000.00} the transfer fee was {$35.00} in total {$3000.00} dollars were debited from my account.      The exchange rate : US  {$1.00} =  XXXX   XXXX  Transfer Amount :  XXXX   XXXX  Other fees :  XXXX   XXXX  Total to Recipient :  XXXX   XXXX  Date of Availability of Funds :  XX/XX/2017    Confirmation Number :  XXXX  My wife went to collect the funds, but instead of receiving the transferred amount she received  XXXX  pesos less. I would like to find out what were the fees and taxes charged, if any.

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 07/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient 's allocation of principal and interest. Having three constants ( interest rate, monthly payment, and time interval ) the loan amount is increasing instead of decreasing over time. I have reviewed the spread sheet from the beginning of loan and it seems like the principal outstanding amount is increasing. I believe I am a victim of fraud committed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: I was scammed on XXXX. Unfortunately I did not read the " how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was BOA 's policy because I was a long term customer of Bank of America ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked BOA to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if BOA did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as BOA would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.

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