milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CT).
Issue: Wrong amount charged or received

Complaint: A funds transfer in the amount of XXXX was requested on XXXX, made by mistake, canceled seconds after request. The transaction was canceled out on XXXX end, however, funds were still attempted withdrawal. A stop payment was made to avoid an overdraft, a fee in the amount of XXXX is charged for this. I need this fee reimbursed ASAP. The email associated with my XXXX account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with TIDEWATER FINANCE COMPANY, INC. (TX).
Issue: Other

Complaint: I submitted a previous complaint against tidewater finance for false credit reporting they responded back stating that they are reporting accurately and that the account on my credit was not reflecting open and had been closed and charged off since XXXX/XXXX/XXXX however the current reporting on my credit shows that the account was closed XXXX/XXXX/XXXX agar my complaint that was filed in XXXX XXXX. They falsley claimed that they did a thorough investigation and are reporting correctly. I have attached a copy of the current reporting showing that the account was recently closed after I made a complaint as well as the response they wrote certifying there accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I received an email from " Bank of America on Line '' stating that my XXXX mortgage payment was not received. My home mortgage was closed/paid on XXXX. There were no accounts existing in XXXX with BofA. When I called BofA Mtg customer service I was told that I would have to contact " BofA on Line '' since that was different than BofA XXXX XXXX. I asked the customer service agent to correct the records, but they refused. Checking my annual credit report in XXXX on the web, I found that there was a 30 day delinquent record for XX/XX/XXXX thru BofA. I then went to a local BofA branch to process a request to correct the records. The branch did so and gave me a case # of XXXX. I was contacted by an agent from BofA the next day who again told me to email BofA on Line. They did acknowledge the mtg was paid on XXXX XXXX, however, but again would not correct the issue on their end. It is apparent that the " on Line '' entity has the ability to post incorrect data for BofA Mtg, but BofA Mtg. is not responsible!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a complaint against Midland Funding/ XXXX Midland Credit Management with your agency on XXXX/XXXX/2015. Case number XXXX. Since I have filed the complaint and Midland has received your letter, they have now retaliated against me, by re-reporting the information on my Equifax report under the name MidlandMCM with no original creditor information and aXXXX days late since XXXX 2015. This just showed up today, I know this is the same company, because it is the same account number. Please help any way you can

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Around XXXX of XXXX, I discovered that an account I had with Bank of America had been charged off. I had a secured credit card with them since XX/XX/XXXX. I contacted Bank of America to figure out why they charged off the account for {$880.00}. 

I did not receive any specific information, other than a charge that was credited back to my credit card was reversed and I had that as a balance. I never received any type of notification that they had reversed the charge or any billing statement. 

I requested documentation for the charges from Bank of America, which I never received. I attempted to have the information corrected on my credit bureau, however Bank of America continually states they are reporting the account correctly, which is inaccurate. 

I have offered as much as paying the balance in full, in order to have the reporting corrected on my credit bureaus, however they refuse to accept payment. I sent them a letter and email advising that I had never received a bill for the charged off amount and I was never given an opportunity to pay them, prior to charge off. 

I told Bank of America that I did not agree with the reversal of an unauthorized charge, however they stated they are no longer able to investigate the unauthorized charge. I requested proof that the charge was authorized and accurate, however they did not send me anything. 

I sent a letter to Bank of America and I have received no response. I also emailed the CEO and VP asking for assistance, to no avail. 

Please assist me in getting this resolved.

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 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction problem

Complaint: I used XXXX to sell XXXX bitcoin to a verified buyer on XX/XX/. The buyer paid me {$220.00} for the bitcoin I sold him/her via paypal. On XX/XX/XXXX, the buyer made a cashback request. I submitted 4 documents of proof of the transaction from localbitcoins including proof showing that the buyer has performed the same scam to quite a number of other sellers resulting in his/her account getting banned by the staff. I also submitted a note explained what happened. After review, paypal has returned the money to the seller and I was wronged. I called paypal explaining the situation and they said that they went through their bank. I asked paypal what bank the buyer went through so I could dispute it through their bank and Paypal declined to give me the information. I am extremely upset because I've provided more than enough proof and this person has and will scam a number of other people and paypal is only enabling this kind of fraud. This is a serious issue that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I have XXXX accounts with TD Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently TD BANK is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Im in the process of doing a short sale on my house, to avoid foreclosure.I was given permission from the bank-Bank of America & lt ; to do so.I was told that any correspondence concerning foreclosure would cease, for Im trying & lt ; in good faith, to get the property sold.However, today, I received a notice that the house was to be sold at a sheriff 's sale XX/XX/XXXX.BOA did nothing to cease these notices ; but Im not surprised-Ive been dealing with incompantency & ignorance with BOA & Countrywide for literally years ( 5 years in bankrupcy because Countrywide charged illegal fees & the last almost 3 years trying to get this mortgage straightened out to no avail ) Im fed up & stressed out & am considering a lawsuit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged 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 06/27/2016 about Consumer Loan (Pawn loan) with AutoMoney, Inc. (NC).
Issue: Charged fees or interest I didn't expect

Complaint: AUTO MONEY TITLE LOAN, used unlawful behavior to take my property. By contacting family and friends and invasion of privacy. 
After informing them of trying to reorganize my finances in order to repay them and retrial my title back. We have done business with them before and have always paid our accounts off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My name is XXXX XXXX and I unfortunately am a victim of the fraud at XXXX XXXX XXXX. I suspected and was very suspicious from the start of Predatory high interested loans in which caused me to default and keep putting in foreberance. I am unable to get a job nor has the school sent me on XXXX interview. There were also monies that I am owed through stipend checks that XXXX never gave me the option to receive. They just kept rolling it over into next semesters cost and fees without even giving me an option. I was the XXXX student to enroll and on paper at XXXX XXXX XXXX of XXXX, PA at XXXX XXXX XXXX, PA XXXX. The campus in XXXX XXXX was just getting set up under Director XXXX XXXX and XXXX XXXX XXXX. I was there for about XXXX semesters and they did n't even offer night classes which effecting me getting work and I had to turn down several jobs. I ended up switching campuses doing one semester in XXXX, PA and then a couple at XXXX XXXX, PA Campus before finishing up back in XXXX XXXX XX/XX/2016 in which I graduated with an XXXX in XXXX. The teachings were outdated, the books, literature and all were ridiculously expensive and has left me in dire financial straits. I want to sue for XXXX, XXXX and XXXX, mismanagement of funds, misuse of funds, predatory lending etc.. I want all of my loans to be forgiven subsudized and unsubsidized. I am also suing for monies owed. I would like to take part in this lawsuit and testify. They owe me lots of money! XXXX XXXX XXXX and XXXX XXXX XXXX took over in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account was opened by my spouse in my name without my knowledge or consent. 
Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. 
Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors.
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Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement.
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So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score.
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I was able to get in touch with XXXX via telephone to update my file information. The agent told me the security freeze was initiated by Equifax but of course I do n't know how to verify that information.
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I sent letters to Equifax and XXXX  via USPS mail in efforts to get these security freezes lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cascade Collections, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX with Cascade Collections called my cell phone today from ( XXXX ) XXXX, XXXX/XXXX/2016 at XXXX. She said she received a message via their website from me that I would like more information on an account in their office and said " what can I help you with ''. She made no attempt to verify who I was before 1 ) Sharing information with me about the debt, 2 ) Giving me an address where a letter regarding this debt was previously sent 3 ) Stating the amount owed, and 4 ) She not once said this was an attempt to collect a debt. She said she would email me my documents ( I requested ) if I emailed her first. At this point, she still has no idea who I am, as I previously stated she did not verify any information with me. She also asked for my current address and said she would be mailing out a validation letter. 

This is a violation under the 15 U.S. Code 1692e - False or misleading representations : ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
********************************** I will be filing a complaint with the original creditor and if need be, in court as this creditor can be fined up to {$1000.00} plus attorney fees and damages. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (I do not know) with Retail Merchants Associates (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection account on XXXX Credit Report from Credit Bureau of Louisiana for ( XXXX XXXX ). At the time of service I was in the custody of the United States Marshall 's Service being housed at XXXX XXXX XXXX XXXX. The XXXX or XXXX Parish Sheriffs office is responsible for this charge. This is what I want to dispute I was in custody from XX/XX/XXXX until XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 01-09-2016 about Payday loan () with ACE CASH EXPRESS, INC. (OR).
Issue: Charged fees or interest I didn't expect

Complaint: Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TD BANK US HOLDING COMPANY (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We filed for bankruptcy in XX/XX/2013 but have continued to make our mortgage payment to Ocwen Loan Servicing each month, on time.  They sporadically send monthly statements with the payment coupon.  I have called them numerous times to let them know we expect to receive the monthly statement with payment coupon and they are still not doing this regularly.  They seem to miss every 3rd month.  It makes me feel that they WANT us to default on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with ERC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: - [ ] Re :  Acct #  XXXX  To Whom I t May Concern:  XXXX  This letter is regarding account #  XXXX  which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to

Company response to consumer: Closed with explanation