milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2015 about Debt collection (Payday loan) with Premier Recovery Group (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have informed this company on several occasions that I am not allowed to receive phone calls at work. I spoke to a representative on XXXX/XXXX/15 who assured me he would remove my information from their system and I would receive no further calls at work. He transferred me to an office manager who asked me to verify my social security number. I refused and asked to be mailed information, and he hung up on me. Today, XXXX/XXXX/15, I received a voicemail on my work phone from this same company stating that my claim had been escalated to litigation as I had refused to contact the company and make a statement on my own behalf. Once again, they have left a message on a phone that my supervisor has access to.

Company response to consumer: Closed
Consumer complaint received 05/26/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (SC).
Issue: Lender repossessed or sold the vehicle

Complaint: I have a loan with North American Title Loans in XXXX SC. At the beginning when I applied for the loan all of my proof of income was an initial determination of XXXX benefits, I had yet to receive the amount of XXXX weekly. North American stated I didnt have enough income to get the XXXX loan i applied for so I would need to add my spouse for her income as well. My spouse was not added as a co-signer only listed her income which i didnt have proof of. The company gave me the loan off of this information knowing I did not have the financial ability to pay this back. On XXXX after I tried to make several unsuccessful arrangements to keep the vehicle they repossessed it causing a strain on my ability to attend my newly found job. The lack of respect for dent to income ration, the deceptive income listed as well as the payoff balances changing daily needs to be investigated. This branch of this company charges XXXX % and has no respect for the customers ability to repay by income. The right to cure process is also questionable as I requested one to which they said they sent but they sent it to the wrong address as the manager listed a complptely different address than i supplied for proof, they stated they sent another but i never received it as well. I feel this company should return my vehicle as the contract is unenforceable as well as stop interest on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I requested a forbearance from Wells Fargo, but was instead sent to collections even though my request was sent in a timely manner. I even spoke to a representative about the situation and was assured I would be put in forbearance well before I reached the 90 day threshold for being sent to collections.

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 09/30/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am in the process of disputing. This company apparently is trying to collect on a debt from an account opened XX/XX/XXXX, 22 years. It just shows up randomly on my credit report. They claim that I made a payment on it XX/XX/XXXX, which I am wondering how I would have made a payment on an account that was 19 years old. The XXXX credit report shows that the account was opened XX/XX/XXXX, which is inconsistent with the collectors admission that the account is 22 years old and that supposedly payments were made. I do not understand how companies are allowed to pass " debt accounts '' from collector to another over a period of decades. I believe that this is an attempt at fraud. To further complicate this issue, the collector listed is 'Calvary Portfolio ' however, when I called them they advised me that it was subcontracted to another collector XXXX ' and that they ( Calvary Portfolio ) were unable to access the account. Thye told me to call XXXX XXXX. When I called XXXX XXXX to dispute the issue, they advised me they would contact 'Calvary Portfolio ' who would send me details about the debt ( the company that told me they had no access to the account ). Let me tell you please, regular Americans know what this is, someone gaming the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against XXXX XXXX. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without my authorizacion is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.

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 11/14/2016 about Debt collection (Credit card) with Machol & Johannes, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was first contacted by Machols & Johannes in XXXX. I disputed the debt and asked for clarification of the debt which I never received. I was not notified to appear in court and a judgement was done against me for wage garnishment of more than {$1000.00} dollars per month. The garnishment was taken out 3 times in XXXX ( I was told I owe XXXX dollars from an old debt in Kansas from XXXX ) then the garnishment stopped. In XXXX XXXX the garnishment started again and a judgement was again done against me for wage garnishment. Again I did not get notified to go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (FHA mortgage) with BAY EQUITY LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I 'm purchasing and brand new home in XXXX XXXX and applied for mortgage loan from Bay Equity Home Loans since the end of XXXX 2016 and we received email and the package congratulation for the loan approval in XXXX 2016. It was supposed to close escrow in the week of XXXX but it did n't happen because at that time they then start asking for more and more proof of our sources and the time lengh that where my partner lived before.. Every time they ask, I provide it to them right away, NO delay but I never heard an update few days or week later then I contacted them, and every time I contacted them, they ask for more and more. I had documents sent over from XXXX and they said they need interperetor to translate and I still did n't hear nothing until 10 days later they still said that they still looking for interpretor then next day afternoon XXXX contacted me and told me to cantact some lady to pay {$250.00} for translation but that lady 's company do n't take credit card, the lady asked to to transfer the fee into her coworker that has the same bank with me to avoid the transfer fee for me, she said. I took care whatever I need to take care but until now they still telling me maybe next week, tomorrow. I took their words and assumed as it, I ordered appliance, furnitures and kept on reschedule so many time due to delaying on the loan at the point that delivery companies wo n't let me reschedule anymore

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with WELLS FARGO & COMPANY (SD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: account was used under my name and wells fargo seems to be unwilling to get it taken care of ... charged me fees and made me make payments ... also continue to report to credit bureaus ... i 'm even wondering if I even applied for it after all the information that has come to light ... they will not asset or even listen.. they need to be investigated and find millions I know Im not the only XXXX to be singled out for them to be able to bill fees and take advantage

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 10/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a Navient Studen Loan Borrower and have been a victim with issue of them not informing me as a borrower of certain information, not accepting my AutoPay payments forcing my account to go delinquent, negatively affecting my Credit score were I could not find a place to live, and falsing credit information. I contacted Navient and demanded the information and account be rectified. I was asked to submit documentation to prove my case. I submitted all my documentation and they have no rectified nor responded to my situation. 

I need help. My loans are at XXXX, I am a XXXX XXXX, XXXX XXXX that is suffering from a company I thought was helping me. They ruined my credit score and I ca n't even get a loan to buy a house or apartment. I pay all my bills on time and have never missed a payment. I do n't know who to go to. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Medical) with HOVG, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.

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 11/13/2015 about Debt collection (I do not know) with I.C. System, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The number XXXX continues to call me regularly. The first time I answered they said they were attempting to collect a debt when I asked them questions they disconnected. Ever since they call me no less than XXXX a day. I 've asked that they not call me. I 've attempted to call them back and never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage amount? I was told that their records did n't show an overage amount. I went to my E-Statement on lined, that showed that I had paid thousands to my principal that was not showing up on my account since 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Payday loan) with Solidus Group LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I could afford it any longer. I defaulted on it. The company is XXXX cash advance. They are rude and threatening me and with legal actions. They called my son and said that he was on the application which is not true. I told them to never call my son and they said i had not rights to call and make demands, who did i think i was and so forth. I called and got the name of the company. Delaware XXXX. XXXX XXXX XXXX XXXX De XXXX fax XXXX XXXX XXXX i want them to stop calling my son

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: IVE BEEN DISPUTING A FEW ACCTS IN MY REPORT THAT ARE IDENTITY THEFT ACCTS AND ADDRESSES AND THESE ADDRESSES AND ACCTS ARE STILL ON MY CREDIT REPORT IVE PROVIDED FTC AFFADAVIT, IDENTITY THEFT REPORT FROM POLICE DEPT. AND XXXX LETTER FORM XXXX TO BLOCK ALL NEGATIVE REPORTING FROM REPORT BUT ITEMS ARE STILL ON MY REPORT PENALIZING ME WHICH IS VERY UNFAIR TO ANY CONSUMER GOING THROUGH A IDENTITY THEFT CASE. XXXX XXXX TOLD CRA IT WAS ME BUT NOONE HAS SENT ME ANY DOCUMENTS PROVING THEIR CLAIM ITS BEEN 4 MOS NOW AND STILL NO DOCUMENTS I EVEN HAVE FRAUD ADDRESSES I CANT GET REMOVED FROM MY CREDIT DUE TO CREDITOR SAYING ITS ME BUT AGAIN IVE RECIEVED NO DOCUMENTATION PROVING THESE ITEMS ARE MINE .IVE PROVIDED ALL MY DOCUMENTATION STATING ITS NOT ME BUT AND IM STILL GETTING SAME RESULTS FROM CREDITOR AND THEYVE DONE NOTHING BY LAW TO PROVE OTHERWISE WHICH IS UNFAIR TO ME AS A CONSUMER ... XXXX SAME OUTCOME XXXX XXXX XXXX XXXX SAME OUTCOME AND NONE OF THESE ITEMS HAVE BEEN VALIDATED TO BE DEEMED AS MINE BY FCRA

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 12/23/2016 about Credit reporting () with Innovis (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a hard inquiry that was conducted by CBCINNOVIS. I do n't know who this company is and I do n't recall requesting credit from this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I am part of the Experian Data Breach. And now I am getting emails from Experian to protect this information for a fee. 
It seems like Fraud. They leak our information and now want to make money to protect my information they leaked. 

I am over simplifying possibly but that is how I see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was to get the information together for Navient to submit to get our payments lowered and a lower interest rate when in the same week I received a call and letter from them to resolve our delinquency. I asked them I did not want to be called yet I received voicemail message from XXXX in their XXXX office stating she was my case manager and wanted a call back. I called her back on XX/XX/2017 and told her that my records should have shown that I asked not to be called and she hung up. This morning XX/XX/2017 I received another call from XXXX confirmed my identity and she hung up. I feel these are harassing phone calls. I told Navient I would get the information together they requested, but meanwhile they keep calling. My complaint is about the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (Government benefit payment card) with Comerica (AR).
Issue: Unauthorized transactions/trans. issues

Complaint: I receive a monthly social security benefit check of {$740.00} direct deposited to Direct Express. Starting XXXX/XXXX/2015 through XXXX/XXXX/2015 my card that was provided to me through Direct Express, card # XXXX would not work once I put it in an ATM machine. It stated the card was invalid. The last time I used the above card was the first week in XXXX of 2015. I have not used the above card since the first week in XXXX nor have I authorized anyone else to use the above card, nor have I requested a new card between XXXX. A new card was obviously issued through Direct Express without my authorization. I have contacted Direct Express on several occasions and have provided them with notarized statements and affidavits that I did not authorize them to issue a card and have requested them to refund my money that they issued to someone else without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have know knowledge of this dispute for only XXXX unbelieveable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo re-ordered my transactions to post the newest, largest debit first and the oldest, smallest debit last so that the first would put my account into the negative and then charge XXXX {$35.00} overdraft fees. There were only XXXX debits. XXXX for {$4.00} and XXXX for {$20.00}. Wells Fargo purposely re-ordered the transactions to result in XXXX fees instead of just XXXX as the first was covered by my balance in the account. The second was a bill payment that they rushed through on the same day when it normally takes that payment XXXX3 days to post. So they rushed the {$20.00} bill payment through in order to incur {$70.00} in overdraft fees. I made a deposit of {$40.00} cash the next day and then discovered that the bill payment had already posted and incurred the fees. The previous month, it took 3 days for that payment to post to my account which is normal as I have been making that monthly credit card payment for years and it always takes several days to post.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief