milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: This complaint is in reference to my account at TD BankRouting Number : XXXXAccount Number : XXXX opened a TD Convenience Checking account on XXXX XXXX 2015 with a deposit of {$100.00}. 
One of the requirements for this account is to maintain a balance of {$100.00}. 
I have never made a withdrawal from this account. 
Due to a bank error with their website/back-end I was unable to sign up for online banking online. This forced me to go into the branch to get online banking setup. By this time the first statement had closed and I was charged a {$1.00} " Paper Statement Fee '' on XXXX/XXXX/2015 which caused my balance to drop to {$99.00}. 

TD recognized this error and refunded the {$1.00} within on XXXX/XXXX/2015. 
The problem is, however, that this caused my average daily balance for the statement cycle to be below {$100.00}. This caused their system to charge a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

TD again recognized this error and refunded the fee on XXXX/XXXX/2015, however, again the " average '' daily balance was again below {$100.00}, and thus generated a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

Again TD refunded the fee on XXXX/XXXX/2015. To stop this cycle they had created. I added an additional {$100.00} on XXXX/XXXX/2015 to make sure the average balance could not go below {$100.00}, but they charged the fee again on XXXX/XXXX/2015. 

This time they are refusing to refund the latest {$15.00} Fee even though this whole ordeal was originally caused by an error on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX  credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from  XXXX  's to  American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I closed the XXXX XXXX credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely

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 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
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: On XX/XX/XXXX I had paid a XXXX XXXX course {$260.00} to attend the first day of class. InXX/XX/XXXX, I had a dispute with the merchant because they did not sign me up for the first class. I called XXXX XXXX and opened a dispute. The merchant never fought the dispute and allowed me to attend class. I entered into an agreement with the merchant to pay to pay the sum of {$270.00} cash and just reverse the charge on the credit card. I did so and there seemingly was n't a problem. I was credited the {$260.00} on my XXXX statement. On my XX/XX/XXXX statement, there was a charge of {$260.00}. I had called Citibank again to find out why I was being charged. They told me that they would conduct an investigation. I was sent a packet showing that I was charged an additional {$260.00} from their audit department. I have been calling since then and told different things depending on who I spoke to. I would either be told that the merchant never returned the money or that Citibank incorrectly debited me an additional amount. Finally, at the end of XXXX I was told that I would receive a credit of {$260.00} within two billing cycles. My XXXX statement arrived and I still have not received a credit. All Citibank does is have me call back or they call back and tell me I 'm getting a credit but they are not sure why I have not received it. It has undergone several investigations with the end of the reports stating I deserve a refund. As of XXXX XX/XX/XXXX I was given a long recap of the events that happened as I had explained numerous times only to be told, after weeks of being told I will get a credit, that I am not entitled to the {$260.00}. The way Citibank has handled this matter is an embarrassment. No one can give me a straight answer, they contradict their own findings and investigations, and now I have to take time and money to pursue legal recourse with all parties.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 04-12-2017 about Bank account or service (Other bank product/service) with Self Lender Inc (FL).
Issue: Account opening, closing, or management

Complaint: I signed up for a secured loan to help build my credit but they are not reporting my payment. They are taking my money but not showing I 've made my payments.  XXXX  and  XXXX  is still not posted.  XXXX  payment just posted a few weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: I held a SLATE by Chase credit card, which was promoted to me by mail several times as being a card to transfer balances 'interest free '' for a period of 15 months. I transferred a balance to my SLATE card, and began making regular payments right away despite the fact that the marketing materials for the card stated that the balance would be interest free for 15 months. In fact, I set my XXXX bank account to make transfer payments directly from my bank account to SLATE so as to ensure speedy delivery. These payments were made regularly. 

One month, I set my Chase account to make a payment to SLATE the day before the due date set on the notice from SLATE. And, according to my banking records from XXXX, that payment left my account electronically the day before the due date on the credit card statement I received from SLATE. 

However, in my next bill from SLATE, I saw that my payment was deemed late and a {$25.00} fee assessed, despite the fact that the payment had been posted as leaving my account a day before the due date required by SLATE, and despite that SLATE 's marketing materials had clearly stated that my balance transfer would be " interest free '', which implies that no fees would be assessed either. 

I called SLATE customer service and tried to resolve this matter because it was clear that I had indeed paid by the due date, and have the charge reversed, but was told that even though the payment was posted from XXXX a day before SLATE 's due date, the due date was on a weekend and therefore I was responsible for having the bill posted earlier than the day before, to allow for weekend interruption. 

XXXX I do not see how that is the consumer 's responsibility to post money PRIOR to a due date provided by SLATE, and XXXX it seems clear to me that SLATE likely did indeed have the money as my XXXX statement indicated that the amount had left my account on a business day, but is taking advantage to charge onerous and unnecessary fees to consumers. 

I explained to SLATE that I disagreed with this charge and disputed it, and would be closing my account. I paid my balance in full, except for the disputed {$25.00}. Instead of removing the {$25.00} charge, or at the very least keeping the matter at the {$25.00} fee in dispute, SLATE now charges me an extra {$15.00} every month related to my good faith dispute. My current balance- despite having paid my balance in full and closed my account several months ago and having made no additional charges- is {$55.00}. Therefore, I am being charged an interest rate of over 100 % for good faith dispute of a charge. 

I have called Slate 's customer service line to discuss this, but have not received a live human to speak to, and because my account is closed, the system does not seem to recognize my old account number. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: SLS - Specialized Loan Servicing We have varied " to bring our loan current statements ''. 
The amount goes up and down for no apparent reason. 

Statement on XXXX is {$250000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached Statement on XXXX is {$240000.00} with past due amt {$230000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached These variations are completely unreasonable, without any explanation. and make no sense. This is most unfair to us. We have not received an itemized charge sheet as we requested in a qwr in XXXX XXXX. We get the run around when we try to talk to anyone about this. I am sending this complaint and will follow up with a lawsuit. How can we bring our arrears current? This is beyond unfair to consumers!

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 11/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax continues to not reflect my XXXX mortgage with a balance, a payment and any payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: I returned items via a prepaid label from Macys on XXXX XXXX 2015 through XXXX. I tracked the tracking number and it was received by Macys warehouse and signed by XXXX on XXXX XXXX 2015. No credit was applied to my account the following statement, I called and after being on the phone XXXX hour and being disconnected they said it would be on my next months statement. I received this months and there still is no credit of XXXX. I called again once again I was hung up on in the transfer process, their account specialist said that the warehouse could not process the return and she did locate the items and she would forward it to their credit department. When I asked when the credit would appear she said she did not know she was not in that department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America ( Bofa ) has banned me permanently from banking w/ their institution. They did something illegally w/ my SSN # I 've tried everything in my power for a resolution. They just tell me over, & over, I 'm sorry no u can not ever bank w/ us. But not one time through the 5 years have they told me why? I really want them to stop mistreating me. And statue of limitations has reached for what ever grudge the hold against me. Please find a resolution for me. I do not owe the Bank of America. And they threw me in their risk accounts. I disagree with them. Can I sue? They better stop putting a bad word out on me. I havent banked w/ them for 9 years. And they still refuse me service. Please help. Thank you. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar is the servicer of my second mortgage. After my first mortgage was successfully modified by the XXXX XXXX XXXX, I contacted Nationstar to inquire about a 2MP under HAMP. Nationstar informed me that my investor, XXXX ( XXXX ) does not participate in home loan modifications regardless of the federal HAMP guidelines. So I contacted XXXX. XXXX provided me a telephone number to a voicemail system that states " the decision to modify a mortgage loan ins the sole discretion of the servicer, here Nationstar. So I contacted Nationstar again, to make them aware of the XXXX voicemail. Nationstar 's representative asked me to conduct a conference call with himself, myself and XXXX voicemail system so that he could hear it himself. Once he heard the voicemail, Nationstar 's representative told me that Nationstar will conduct an internal investigation into this matter. Nationstar sent me a letter following their investigation stating that the XXXX voicemail was inaccurate and that the decision to modify was the sole discretion of the investor, here XXXX and not theirs. This information confused me. Nationstar is being evasive and not forthcoming with the real reason behind their arbitrary decision not to consider my home loan for modification pursuant to HAMP. I applied for a modification back in XXXX 2015. At one point, Nationstar rejected my payments and credited them back to my bank account. When I contacted Nationstar, they told me that they were rejecting my payments because I was over {$1200.00} behind and that I needed to catch up. Fearing that Nationstar had begun foreclosing, I sold some items and borrowed money to pay them because I 'd like to keep my home. When Nationstar called my home to collect on the late payments, I informed them that I had filed a complaint with the Consumer Financial Protection Bureau. The Nationstar representative then informed me that he will escalate the matter as a " proactive measure since I had filed a complaint. '' He said they will look into the matter. Nationstar still has n't offered to review my application or modify my loan under the HAMP 2MP. Nationstar continues to blame XXXX and XXXX continues to blame Nationstar.

Company response to consumer: Closed
Consumer complaint received 07/27/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: At XXXX XXXX - I spoke with XXXX XXXX who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull. I have confirmed in the first place the XXXX XXXX XXXX credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people. XXXX asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft - XXXX Employee in XX/XX/XXXX. I am willing to payoff the amount issuing my acct. # and routing # and XXXX is refusing. 2nd Item - I want to report Bankruptcy antics in courtroom XXXX - XXXX XXXX - It appears XXXX XXXX attorney went to XXXX XXXX 's courtroom on XX/XX/XXXX to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The XXXX XXXX XXXX was paid off as shown by XXXX XXXX. I was never served any notice of this XX/XX/XXXX hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the XXXX XXXX Security Agreement - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity. XXXX XXXX assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the XXXX, XXXX, XXXX XXXX. These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.

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 08/25/2016 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX XXXX sold my debt to Suttell, Hammer, & White. The debt is legitimate. I asked, as per attached letters, Suttell, Hammer & White to cease all collection attempts and to stop ALL contact with me. The company has not only ignored my requests, but has been threatening me with legal action, mailing make lawsuits, tormenting, oppressing, and engaging in false, misleading, unlawful, unfair, and fraudulent practices. I am perfectly fine it this company wants to sue me. If they do, I 'll reply, but they can not continue to act with impunity by violating, blatantly, the XXXX Fair Debt Collection Practices Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation