milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: On or around   XXXX   XXXX   on Friday the  XXXX  of  XXXX , I called  TD bank a nd I was assisted by a lady name  XXXX   XXXX  which claim herself to be  one  of the branch managers at the location at  XXXX   XXXX  in  XXXX  Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the  two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss  XXXX  and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge  me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in  the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least  XXXX   XXXX  dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with BB&T CORPORATION (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: My transaction history is completely different than my account history I 've spoken to them there third-party costumer service tells me im lying that that ca n't be I asked them to check they said no I 've went too threw separate branches have been told people would call me back nobody calls back they call the people who can see the account they say I ca n't read my account they tell them no he 's reading it rite then they say we should do a balance check and they refuse

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 08/16/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Recently my credit card vendor, Discover, notified me that my account may have been compromised. Discover issued me a new account and card. Discover said it was not their system that was compromised, but a merchant. I asked Discover what merchant was compromised, but Discover refused to divulge that information. I may want to avoid the merchant so I think I should have right to know who the merchant is. Here is Discover 's official response. 

" Thank you for your message regarding a merchant compromise. I understand your desire to know which merchant was compromised and I will be happy to address your concerns. 
I am afraid that we are not authorized to disclose the name of the merchant in this case or dates. However, please be assured we are actively monitoring your account and you are never responsible for any unauthorized use of youraccount. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with PINNACLE RECOVERY, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XX/XX/XXXX I made payment arrangements online for a balance owing. A week later I was contacted by XXXX stating that no arrangements were made and he was not seeing it and that he will be calling me every two weeks. I had to explain to him what was done and that arrangements were done within his company website. He then asked me to fax a " resolution confirmation ''. I faxed him the information right away thinking that I was no longer going to be harassed. Today I receive another call regarding the same issue. I checked my account to make sure payment was taken out, which it was, but 3 days earlier than the agreed date. I spoke with XXXX again and I informed him and let him know that I was being harassed because arrangement was made and I faxed everything and still receiving calls. He sent me over to his supervisor, which was incredibly rude with no customer service. Informed him that I was being harassed and not feeling comfortable every month someone calling me and questioning me if I made a payment. Especially after payment has been made. Let him know that my bank account showed that they took payment 3 days earlier than agreed and he kept telling me that payment was made on XX/XX/XXXX let him know it was drafted on XX/XX/XXXX. He just kept saying " no it was n't ''. Told him I have proof in my bank statement. He said send it to him. He was very curt and rude. Let him know I did n't appreciate his attitude and he asked what did I want. Told him his first words should 've been " I 'm sorry for the inconvenience '' and in a condescending voice he said it and to email him the information. At this point I felt worst speaking to a supervisor than the customer service representative that I just hung up the phone. No one should be harassed, especially after making necessary arrangements and then being treated with such disrespect It is not my fault they are not coordinated with their web page and ca n't see people have already made payment arrangements. They need to get there issues resolved and stop harassing people and wasting people 's time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with FastBucks (NM).
Issue: Problem with the payoff process at the end of the loan

Complaint: In XX/XX/XXXX a loan for {$900.00} from a payday loan company FastBucks was processed. Around this same time frame I was having issues with Identity thief. I also was separated from my wife and we had not been in communication. I also was not living in the same city where the loan was taken out. On XX/XX/XXXX a claim was filed with the local magistrate court, reference # XXXX. It was not until I applied for a loan in XX/XX/XXXX that I became aware that I had defaulted on this loan. I went to the local Fastbucks office to obtain information on the loan and how I can resolve the issue. Initially they were unable to provide any information on the loan. It took several months and a number of calls on my part before they provided documentation on the loan. I explained to the regional office manager that I was never notified nor had I been issued a summons to appear in court for the XX/XX/XXXX hearing. Because of the Identity thief that was taking place at that same time period I was uncertain that this was even my loan. The local office eventually provided me with documentation showing that I indeed taken a loan out in XX/XX/XXXX. After apologizing for not taking care of this load, I proceeded to offer a settlement on the loan and would be willing to pay the {$900.00} plus reasonable interest on the loan. At that time the regional Fastbucks manager told me that the loan would have to be paid in full {$3100.00} and was unwilling to work out any settlement. I asked if I elevate this to see if I can negotiate a settlement, she advised I contact corporate. I am a XXXX  military veteran and live on a fixed income, I am more than willing to work on a reasonable settlement with this company to resolve this issue when I called on XX/XX/XXXX they informed me that now I owe almost {$4500.00} on {$900.00} loan. I called the corporate office who told me that I need to contact the local office to negotiate a settlement and the local office told me there is nothing they can do I would have to speak with the corporate office. Again I am not unwilling to work something out but what the company is asking can certainly be described as criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Navient Solutions, LLC. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi, Today, Wednesday, XX/XX/XXXX, I received a collection notice for a XXXX XXXX XXXX for the amount of {$29000.00}. This notice is from a collection agency, Municipal Services Bureau ( hereinafter referred to as MSB ). 

I filed a complaint on XX/XX/XXXX against MSB for sending collections to my residence at XXXX XXXX XXXX XXXX XXXX, Hawaii for A XXXX XXXX XXXX for the amount of {$1400.00}. 

This is the 3rd collection notice I have received from MSB at my address for the wrong person. The first notice was for a XXXX XXXX XXXX ( now deceased ) and the second and now third time for a XXXX XXXX XXXX. 

I filed a complaint with your agency on XX/XX/XXXX which was readily handled and I received an apology from MSB and they claimed that my address would be permenantly removed from their consumer record. 

This continued inept handling of collections by MSB is becoming tiresome. It is a hassle for me to keep addressing this issue over and over again. The system they use to track people known as the " skip trace system '' is definitely flawed as it continues to attach my address to other people named XXXX XXXX who do n't even reside on XXXX. I may contact an attorney if this XXXX continues. 

I would greatly appreciate your help again in contacting MSB to resolve this issue. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Citi Financial credit card company is refusing to credit my account for payments made for the month of XXXX. I submitted XXXX payment on XXXX XXXX, XXXX. I always call to verify payments went through. When I called, they said it did n't go through, they said I " had never used that account before. '' They would not tell me what account they were talking about or verify what account number they were using. I used an account I have used for years, which has more than adequate money to cover the payment. I resubmitted the payment, by phone, to the customer service representative on XXXX XXXX, XXXX. When I called on XXXX XXXX, XXXX, to verify they had made the payment, again it was not credited. I submitted the XXXX payment again, even though they still would not verify they had transcribed the account number correctly. On XXXX XXXX, when I called again to verify, it was still not credited. I submitted another XXXX  payment. You see, this is a XXXX interest account which will start charging interest if a payment is made late. Again, Citi refused to tell me the account number they were using or if they had miss written the number. Finally, I transferred entire balance to a different card and attempted to close Citi. They keep adding fees & will not close it. I never received a bill, either.

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 01/18/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: ive been paying on this loan over 10 years and it was just a XXXX dollar loan these people are robbing me

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 05/15/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (WA).
Issue: Application, originator, mortgage broker

Complaint: MY EX SPOUSE XXXX XXXX XXXX XXXX AND MYSELF OWNED OUR OWN HOME XXXX XXXX XXXX XXXX XXXX OR XXXX AND IN OUR DIVORCE DECREE XXXX XXXX/XXXX/XXXX AND MYSELF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DID NOT DISCLOSE THE SALES FROM OUR MARITAL HOME THAT WAS SUPPOSED TO BE SPLIT IN HALF AFTER LOANS WERE PAID. THE REFINANCE HOME LOAN XXXX OBTAINED FROM HIS EMPLOYER US BANK WHO FIRED HIS WEALTH MANAGEMENT XXXX PENDING INVESTIGATION. XXXX XXXX RULED ON XXXX XXXX XXXX THAT LOAN HE OBTAINED WHILE I WAS IN XXXX, THAT LOAN WAS XXXX TO PAY OFF INSTEAD HE USED HIS EMPLOYER PAID HIMSELF OFF WITH PROCEEDS OF THE HOUSE SALE MOST LIKELY LAUNDERED TO XXXX, DIDNT PAY THE LOAN THROUGH US BANK, CHARGED THE FORGED LOAN SIGNED ON DIFFERENT DATES BY XXXX THE US BANK EMPLOYEE ON RECORD AND MYSELF XXXX SEPARATE DATES AND MY ATTORNEY XXXX XXXX XXXX DID NOTHING TO HELP NEITHER DID HIS THEY LIED AND WITHHELD EVIDENCE TO THE COURTS AND MY LIFE HAS BEEN PUT IN DANGER

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by Equifax. Equifax refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX, pulled XX/XX/XXXX and XXXX XXXX, pulled XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX, AND XXXX XXXX inquiries need to be removed from my credit file. 

Attached to this complaint you will find a verification letter from Equifax stating that they were authorized to submit my credit file to the following companies because " Inquiries are a factual record of file access? '' What does this mean? Also attached to this complaint is a letter from Equifax stating how they verify account information on my credit file. They stated that everything they use to verify is all electronic and no physical documentation is used for proof. This method creates an enablement of identity fraud and possible data breach. Both letters are attached to this complaint. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification.

I do not recall authorizing these inquiries and demand they be removed from my credit file from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. 

on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. 

when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. 

both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me

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 08/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in a Chapter XXXX BK and Wells Fargo who is the lender has scheduled a Trustee Sale date of XXXX/XXXX/2016 although my case is pending reinstatement. The Notice was placed on my door while I was out of town Saturday. I have been in the bankruptcy and the trustee payments are taken automatically from my checking account. There was fraud on the account and the bank closed the old and issued a new account. Meanwhile The case was originally dismissed for nonpayment. The trustee has received all the payments and the case is pending. The trustee has received the new account information and the case is pending reinstatement which is scheduled for hearing on XXXX/XXXX/16. I received a letter from ASC who represents Wells Fargo. When I contacted the representative at ASC, I told him that my account was in BK and he said the case was dismissed XXXX/XXXX/16. I told him that he needs to check with the BK department, because the case is pending reinstatement. Wells Fargo would have received a notice from the courts, but they continued with the legal procedures which is against the law. 
I would like to have them investigated for illegal foreclosure procedures.

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 09/29/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Transaction issue

Complaint: Using my XXXX XXXX XXXX account, I made a payment to Discover on XXXX/XXXX/16 in the amount of {$300.00}. the money left my XXXX balance immediatly. I saw it credited to my Discover account on XXXX/XXXX/16. then, it reversed a day or XXXX later. I contact discover ... they said that XXXX reported insufficient funds. XXXX serve said they did not report insufficient funds. I continued to contact Discover ... .they said they have to try 3 times and then they will send the money back to my account. they were rude and not helpful. 
Today I looked at my discover account to see if the third try worked. they charged me a {$37.00} NSF fee a nd {$55.00} interest fee.I am someone trying to pay off my debt rapidly and do the right thing. I am disgusted by both of these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX, XXXX it was brought to my attention that Citibank had made a negative reporting and closed my secured account. I made a call to customer service and shared confidential information about a serious illness that I was hospitalized for in XXXX XXXX to respectfully disclose the reason for my late payments. I requested that I be allowed to make up the payments and that late fees be waived due to the reason for my late payments. I was informed by the rep that even though I was a customer and that all payments had been made on time up to the point of being ill, that my illness would not be taken into consideration and that even if I paid my account balance in full, that my account would not be re-opened. I spoke with an account manager who attempted to remove late fees due to the reason I was late with my payments but was informed that the bank would not allow any waivers. The account manager did inform me that the balance to clear the account was {$140.00}. 

I am making the account payment of {$140.00} to full fill my financial responsibility to Citibank. Also I am writing a letter directly to the Citibank to express further concern. 

To resolve this matter I am requesting that Citibank remove the negative rating that they originally sent to the three credit bureaus even if they have to delete the line of credit. The way it reads currently is extremely unfair and punitive because I became ill unexpectedly. 

I look forward to hearing from you in the near future. 

Best Regards, 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 04/13/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TRANSUNION has provided clear and convincing evidence to the CFPB that they do not intend to adhere to the FCRA " 30 DAY DISPUTE RULE '' .TRANSUNION IS AN UNCONSCIONABLE LAW VIOLATOR AND SHOULD BE FORCED TO ANSWER TO CONGRESS about staying in business as lawbreakers. 

***CFPB XXXX was cutoff above in original dispute case no.

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