milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have an issue with my bank, TD Bank. I am new to them, opened a checking account with a debit card in XX/XX/XXXX. Over the Labor Day weekend, while I was away from home, I used the card to purchase gasoline, paying at the pump. The bank authorized those charges. When I checked my account, there was enough money in the account to fund the charges ; however, by Tuesday ( XX/XX/XXXX ) evidently, the Bank only authorized the charges for {$1.00} and when the full amounts were withdrawn the account went negative for ( 2 ) other charges that they authorized. I was charged {$70.00} for ( 2 ) charges ( {$35.00} each ) on a balance that was negative by {$53.00}. I made the account current by XX/XX/XXXX when I became aware of the situation. I called and asked them, under the circumstances, if they could re-credit my account for those charges. They told me that they had already credited my account in XX/XX/XXXX and that I was not eligible. I then spoke to supervisor, " XXXX '' who was not helpful, kept repeating the same line over and over and would not escalate the matter to his supervisor. Finally, they told me that someone from their " Customer Care '' center would call me within ( 2 ) days but I have not received a call from them.
I do n't see how they can " clear '' charges at a gas station in the moment for {$1.00}, then wait several days to actually clear the full charges and then, charge me fees when it goes negative. This seems fraudulent in my mind. Its a way to trick you into incurring fees. I would like to get my {$70.00} in fees returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 've been victim of credit card fraud and identity theft. I call Citi about my credit card and they treat me rudely every time I call them. They wo n't help me at all and I feel discriminated because XXXX is n't that good. Worst customer service I have ever encountered. I am a victim but they do n't help me. I do n't feel like paying them after being treated like a second-class citizen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with GC Services Limited Partnership (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was promised  XXXX  $ dollars to switch from  XXXX   XXXX  to  XXXX   XXXX  come to find oylut it was lying tactics they use to get your business! I refer approx  XXXX  out of the  XXXX  I was promised!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was sold from XXXX XXXX XXXX XXXX XXXX to Nationstar on XXXX XXXX. My XX/XX/XXXX payment was already mailed to XXXX before I received the correspondence fron Nationstar that they had bought the loan and payments should be mailed to them after XXXX. I called XXXX and was advised that a check was sent to Nationstar via XXXX ( XXXX ) on XX/XX/XXXX, check # XXXX and arrived on XX/XX/XXXX at XXXX XXXX. The check has since been cashed and cleared by Nationstar. However, Nationstar erroneously credited the XXXX check to Insurance escrow instead of my mortgage payment. I learned of this on XXXX/XXXX/15, since that time I have made 4-5 lengthy phone calls explaining their error and when was my mortgage payment for XX/XX/XXXX going to be credited. On each occasion they told me it would be credited within 48 hours but was never done. After several of what Nationstar calls courtesy calls, I called today to get this straightened out before I make my XX/XX/XXXX payment. I do not want my XX/XX/XXXX payment being applied to the XX/XX/XXXX payment. Nationstar has had my payment in escrow since XX/XX/XXXX but do not seem to be able to get it applied to my mortgage account. I was told today that they would waive my late fee as a coutesy ... .what late fee, as well by federal law no late fees are applied for 60 days from XXXX/XXXX/2015. They are holding my money! In fact I was told by a XXXX today that the payment was applied and I could see it on line by tomorrow only to be told by her supervisor, XXXX, that her statement was untrue that it had not been resolved yet. Finally, I was told by the escrow dept. ( XXXX ) that the transfer had taken place and will be seen on line in 24-48 hours. I asked XXXX since the error was theirs and talk of late fees could jeopardize my credit rating could she please send me a letter hard copy with an explanation of what transpired with their error with specific dates. She flat out said you will not be receiving a letter. When I explained that the consumer protection rights spelled out on the FDIC web site states specifically that when the bank has admitted the error it shall be corrected in XXXX business day and a letter of explanation and resolution be sent to the customer within 3 business days, she once again stated that NO letter will be forthcoming. This letter is important should I need to defend my credit rating after the fact. I also suggested that since my payment was tied up in escrow since XXXX/XXXX/2015 would I be seeing interest that accrued since that date as mandated by federal law and she stated " NO INTEREST ''. Please intercede. Their address is Nationstar Customer Service XXXX XXXX XXXX XXXX, XXXX, TX. XXXX ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreciate

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 08-12-2015 about Debt collection (Credit card) with Rushmore Service Center, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with National Enterprise Systems, Inc. (IL).
Issue: Other

Complaint: There was a voice mail on my phone ( ending in XXXX ). The message stated the call was from a debt collector. I asked my wife to return the call and advise them I was out of town. My wife called XXXX XXXX at NES of Ohio and advised I was out of town. XXXX XXXX said she would note the account as such. The next day there were messages on my parents voice mail stating " This is a call from NES of Ohio this is a debt collector please return the call to XXXX XXXX at XXXX Ext XXXX '' she did not mention my name at all on the message. My Dad called her back and got one of the other agents who immediately started grilling him as to my whereabouts. He advised them to not call his home any more and they continue to call twice per day every day for a week now. Then XXXX XXXX started calling my kids phone ending in XXXX and leaving messages that this is a debt collector. She then started calling my Aunt and Uncle and again leaving messages stating the call is from a debt collector. There is never a mention of any name on the messages so of course people will call them back to see what it 's about and at that time she will state my name ( so now ALL these people know the call is from a debt collector plus my name is mentioned so my privacy is now violated ). Then they start being aggressive to find me. My wife called NES again and an agent said " I 'm sorry you must be mistaken the only number we have on file is XXXX ''. So obviously XXXX XXXX is using some sort of cross reference to find everyone with my last name in the area that I live. Now I got a call from my previous employer stating that a debt collector is looking for me and gave me XXXX XXXX number. I do n't think this is legal to be discussing my personal situation with people other than myself. And when my wife tried to get information they told her " we ca n't talk to you '' BUT YOU TALK TO ALL OF MY RELATIVES??? Each and every one of these people XXXX XXXX called has asked her not to call again and yet she repeatedly calls them several times a day. It is XXXX XXXX herself that makes the calls its not a computerized call.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX has called me after I asked them not to contact me. In addition to this, they are telling me that I owe WAY more than I actually do. <P/>I owed a gym {$1800.00}. XXXX kept contacting me, so I got in contact with the gym and they said that they had never heard of XXXX. <P/>Now they put a mark on my credit report saying that I owe over {$4000.00}. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pinnacle Credit Services has flagged my Credit Report with a collection of {$1500.00} from an old XXXX bill. I do not owe this money to XXXX. Pinnacle Credit Services has sent fraudulent information to the Credit Bureaus stating that I have an unpaid balance at XXXX for {$1500.00}. 

I 've contacted XXXX in regards to this debt and XXXX has no knowledge of this debt. I have disputed this debt with the credit bureaus to no avail. I 've sent multiple letters to Pinnacle Credit Services asking for validation of this debt with no response. Every month this account updates on my credit and is harming my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NV).
Issue: Managing the loan or lease

Complaint: A payment was electronically sent to Synchrony Financial from XXXX bank on XXXX. It cleared on XXXX ( the due date ) but was posted with a XXXX date and I was charged a {$25.00} late fee. The posting should have reflected the date the payment was received -- - not the date is was actually posted. I called Synchrony Financial and they waived the late fee but would not admit they posted the payment with the incorrect date. My worry is that Synchrony Financial are doing this routinely to other customers and this could be reported to a credit agency thus affecting peoples credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Other mortgage) with BROKER SOLUTIONS, INC. (TX).
Issue: Settlement process and costs

Complaint: We were the seller of a house located in XXXX XXXX TX. The loan company, New American Funding Inc., for the buyer of the home delayed the closing 3 times, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 finally closing on XXXX/XXXX/16 without a valid contract and not providing an addendum to close the sale on XXXX/XXXX/16. The Lender received the appraisal 5 days before closing and failed to notify the broker or seller that the appraiser had noted a safety issue that needed to be addressed before he would sign off on the appraisal until XXXX XXXX XXXX the day before closing. This left no time to correct the issue and delayed the closing until XXXX/XXXX/16. We were not provided any addendum with a new closing date and left to hang in the balance from XXXX until XXXX/XXXX/16. This also resulted into the payoff being higher and late fees since they failed to meet there obligations. We understand the mortgage company has a responsibility to the buyer, but proper notification and addendum is still required to be presented to the Seller. The mortgage company assured us they would close before XXXX day and then relayed via a text that they would be closed for XXXX day and it would not close until after the holiday. Total disregard for the seller, unethical and unprofessional behavior given to the seller!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.

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 03-08-2017 about Consumer Loan (Vehicle lease) with Porsche Financial Services, Inc. (FL).
Issue: Taking out the loan or lease

Complaint: The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. 
After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. 
The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. 
Please help me with the car and my credit. 
Thank you- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have written several letters in the past and did not have this issue come up. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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: this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report Experian just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.

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 09/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Im desperate and hoping you might be able to assist me. I am a XXXX-year-old XXXX mom struggling to put my daughter through college as well as pay off my own grad school debt. I was looking forward to having my debt forgiven under PSLF in XX/XX/XXXX after working in public service and paying my Federal Stafford Loans under the IBR program faithfully since XX/XX/XXXX. 

About a year ago, I discovered that my type of Federal Stafford Loans were discontinued in XX/XX/XXXX,  and the newer type of Stafford Loans are the only ones eligible for public service forgiveness. I had no idea that this was the case, and was never informed of this by my loan servicer, AES. Back in XX/XX/XXXX, the website clearly stated that Stafford Loans were eligible. When I called AES in XX/XX/XXXX, I was told that I would become eligible if I consolidate my loans, but that the clock would be reset and Id have to make another 120 payments before my loans would be forgiven. I immediately consolidated my loans, and they are now serviced by XXXX XXXX. 

I dont know where to turn. Im heartbroken over this, especially after dedicating the past 10 years to public service as a XXXX where I knew I would make less money but would be making a difference in my community. Now I am seriously concerned that I will end up spending my retirement in poverty.

Company response to consumer: Closed with explanation