milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NH).
Issue: Problems caused by my funds being low

Complaint: i am having an issue with @ TDBANK_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ TDBANK_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ TDBANK_US from charging cards that have no funds on them

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am having trouble making student loans payments, due to the high cost. I have tried to call to lower the payments but have been required to have my co-signers call in to submit a financial statement before this would be possible. I have XXXX co-signers on my loans, XXXX is my mother XXXX is my brother. My brother has been out of the country and was unable to make a call for the finanical statement, however my mother did call in to give hers in XX/XX/XXXX. Upon my brother returning to country in XX/XX/XXXX he called to give his statement, I was then told that my mother had to redo her statement since it was a new month. That was the first time that dealing with Sallie Mae became difficult. Upon my mother calling in XX/XX/XXXX, the man named XXXX XXXX, received to allow her to give a financial statement instead badgering her to make payments on my behalf. My mother is going to be out of a job, and is going to be unable to make payments soon. The company had continuously told me to have my co-signers call in to make the statement so I was able to lower my payments, instead they have taken advantage of my co-signer and made deceptive claims to myself. The process to lower payments is extremely difficult and burdensome making it nearly impossible to complete the process to achieve the end result of lowered payments. On top of this during the process of working to figure out how to repay the loans I was consistently called and harassed about being delinquent on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2017 about Debt collection (Federal student loan debt) with Manhattan Beach Venture, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over a year, a company called Manhattan Beach Venture , LLC a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called XXXX XXXX XXXX ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XXXX of 2016. 
I was afraid that Manhattan Beach Venture , LLC might have sold my information to this company. I asked them to provide a phone number for Manhattan Beach Venture since I have had a hard time reaching them two days after speaking to them. The number XXXX XXXX offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from Manhattan Beach about my application. I told them that I spoke with Manhattan Beach and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since XXXX XXXX got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach Manhattan Beach Venture , LLC, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XXXX I got in contact with XXXX XXXX about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ROC Asset Solutions, LLC (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I filed a complaint against API earlier where they have told relatives I needed to call or go to jail. They now have called my place of employment threatening, The number they use is XXXX. My case number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by 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 non-monetary relief
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: between  XXXX   XXXX     2017  and  XXXX   XXXX   2017   Westlake Financial took  out 2 paym ents from my bank instead of the agreed u pon one    payment o f  XXXX  in doing so it overdrafted my account by  XXXX  they quickly reversed  one p ayment of  XXXX  as of  XXXX   XXXX     2017  my account 's principal balance was  XXXX  AFTER the  XXXX  was processed and the returned  XXXX  was removed from the account balance.prior to the  XXXX  being returned the principal balance was  XXXX  It is my understanding my principal balance does not go up unless there is a late fee. I have never been late on payments. They even tell me I have a 10 day grace period for if I were late.     Now this month PRIOR to making another  XXXX  payment my principal balance is  XXXX  and everyone I spoke to a t Westlake Financial ha s stated it increased because of the refunded  XXXX  but that is not true. the balance is seve ral hundred d ollars higher than it should be. why did my principal balanc e go up  XXXX .It  should have remained at the  XXXX  as only  one payment was refunded. they say there was an NFS fee from my bank but this is only true because of their error in processing 2 payments.      It should be noted that my loan payment is  XXXX  a month but I always pay  XXXX  I want the balance to  b e upg raded to reflect the proper amount as I feel I have not been given credit for the first month payment I made to this. It is also worth noting I p aid 14 o r 15 months on this loan to  XXXX   XXXX  PRIOR to  Westlake p urchasing this loan. While at  XXXX  I was never late and have perfect reporting marks from  XXXX  on my credit report.     Please entic e Westlake to correct my  loan balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (RI).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.

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 12-01-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Capital One 's inconsistent billing practices lead to my account falling behind without my knowledge. This only came to my attention when I was attempting to purchase another vehicle and the credit report showed a series of late payments. I immediately called XXXX XXXX that day, XXXX XXXX, paid all monies owed in full via phone ( over {$2000.00} ), and then 2 days later put the account on " auto pay '' to avoid further problems. When I followed up with a representative from Capital One on XXXX XXXX ( estimate ), I was told that my statements had been " suppressed '' in XXXX XXXX. My credit score has incurred significant damage due to this one creditor. Over 20 other creditors show no late payments ever. Because XXXX XXXX did not inform me of the status of the account, it went past due on several occasions with no notification. I own two homes and have a combined income with my husband of over {$340000.00}, and our credit is excellent with the exception of this one account. Given our complex financial portfolio, I rely on receiving statements to pay our bills timely. I never agreed for my statements to be " suppressed '' and was completely unaware of this. I have asked XXXX XXXX to dispute this internally but I do not have confidence that they will reverse these reports with the Credit Agencies, and I ask for your assistance. Please have Capital One remove these late payment reports from my credit score. 
Thank you for your help and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding , LLC is attempting to collect the debt that I do n't owe. I never establish a contract with this company. Furthermore this company is violating the FCRA by placing a negative negative tradeline on my credit profile and they are tarnishing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with STERLING JEWELERS, INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with State Collection Service, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I politely and professionally asked them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is on my credit report as my account but does not match any account numbers or date opened to my accounts. They are on my credit report as a negative item. I have asked for supporting information for the account and there is no information given. The collection company is rude and they demand payment when they call and I have disputed to the credit agencies numerous times to fix my credit and have got nowhere. this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was scammed and defrauded by a college called XXXX. 
This corporation was a satellite school that originated in XXXX, XXXX. 
There were XXXX satellite colleges.One in XXXX, XXXX, one in XXXX, one in XXXX, XXXX, and I went to one in XXXX XXXX, XXXX. I was a student from XXXX and XXXX. 
In XXXX it collapsed. There is NO XXXX XXXX XXXX. It was absorbed by the XXXX which is the capital of XXXX I pursued a XXXX XXXX called XXXX XXXX XXXX in XXXX. ( XXXX ) This is a degree that can not be used. Therefore I have been defrauded of major money. 
This organization has charged me XXXX dollars at Federal Loan Services. 
In XXXX, the institution eliminated job assistance and placement office. 
The former president of XXXX is XXXX XXXX who was discharged in a scandal. I am asking for your help to investigate this scam and advise others of " buyer be aware ''. The large amount of FedLoans has been in the news in a very bad light. 
Please help with any and all points.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone was stolen my Identity and opened several credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.     Transunion and  XXXX  have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both Transunion and   XXXX   stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact the  Court  office and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both Transunion and  XXXX .     Please assist with removal of items. Thanks

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 04/26/2017 about Debt collection (Medical debt) with I.C. System, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply.     Section  392.101  of the  Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.     {$470.00 } 2  accounts reported on   XXXX   XXXX   XXXX   This agency did not report an open account to this bureau.   Open Account #  1 { $93.00}  Balance Original Creditor   XXXX   XXXX   XXXX   XXXX  {$93.00} Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.   Responsibility Consumer disputes this account information Medical Remarks Note Open Account #  2 {$ 380.00} Balance  XXXX   XXXX   XXXX   XXXX  Original Creditor {$380.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consum  er  disputes this account information Medical Remarks Note

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ASSET MANAGEMENT OUTSOURCING, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Nationwide Recovery Service, has placed an account back on my credit report XXXX XXXX, after sending confirmation in the mail that the account has been deleted from credit report in, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Student loan (Federal student loan servicing) with MOHELA (WI).
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: Account duplicated multiple times. 
Department of Ed/ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX All are dated XXXX/XXXX/2010

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WA).
Issue: Using a debit or ATM card

Complaint: I called the number on a letter I received XXXX/XXXX/15 dated XXXX/XXXX/15 confirming my on-line user name and the last XXXX digits of my ATM card number. It wanted me to confirm the information and tell me about the services. I contacted the number on the letter XXXX. Spoke to a XXXX in XXXX XXXX and asked what the letter meant. He stated they do n't send these type of letters out. I also ask him why they closed all the ATMs in XXXX and XXXX states. There are no branches either. I am unable to deposit money directly in my Citibank account. Now, I have to pay money for my another bank account XXXX XXXX or XXXX XXXX to transfer money into the Citibank account for my daughter who lives in XXXX XXXX. This gets costly for a person on Social Security XXXX and my husband is retired on Social Security too. Please tell me why they did this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has incorrect balance owed on 3 credit cards that were closed. XXXX XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$170.00} XXXX XXXX should show a balance owed of {$150.00} All 3 credit cards were closed by me because all 3 committed Fraudulent Fees to my account. I want my Credit Report to reflex the correct balance owed on all three credit cards accounts that were closed. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief