milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: Webster Bank ran a transaction on an account I had requested closed, overdrawing it, and then levied a penalty representing 100 % of the transaction. 
I had XXXX accounts with Webster. On XX/XX/XXXX in the Webster online portal I performed two transactions : I sent a secure message to close XXXX account, which I had emptied, and paid XXXX credit cards totaling {$110.00} in a single Bill Pay transaction. 
Webster ran the Bill Pay transaction first from the empty account, overdrew the account and then refused the close account request because the account was now overdrawn. They then levied three separate {$37.00} fees for {$110.00} total, equal to the whole Bill Pay transaction. 
I have been in contact directly with Webster several times but they agreed to refund only {$37.00} of the {$110.00}. I am requesting the remainder because : 1. I had already requested the account in question be closed. 
2. It was a single transaction within Webster 's online system, yet three penalties were levied. 
3. The empty account was selected by default and the second account hidden in a dropdown menu. 
4. The empty balance was not shown in either the confirmation prompt or the transaction receipt. 
5. An equivalent transaction would have been refused in branch - a teller would not allow you to make an internally-requested transaction from an empty account, this is a flaw in the online system only. 
6. A {$110.00} total penalty for a {$110.00} total transaction represents an unfairly high penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I went to make a payment threw Home Depot 's automatic phone system, XX/XX/XXXX, it would not take the minimum amount it was telling me because it did n't pick up my voice. It then put me with a representative and she then told me my minimum payment was {$110.00} and if I did not pay that I would have another {$35.00} fee, after the automated system said it was {$60.00}. I then threw speaking with her found out that I have been making the minimum payments from what I 'm being told by the automated system and am getting charged a {$35.00} late fee since XX/XX/XXXX 2017 because  apparently it 's not the amount they expect from me. I was angry and hung up. I then waited untill Thursday XX/XX/XXXX when my payment is always due thinking maybe the system would then tell me the {$110.00} was due. As of XXXX it was still telling me the minimum payment was only {$60.00}, not the {$110.00} the representative told me. I spoke with another representive and after a half hour I was told that they would only refund me 1 late fee and my interest. They have charged me over {$200.00} in fees and they only wanted to refund me {$47.00} ... I did not receive any refunds. I hung up and said I would be reaching out to everyone and anyone to hopefully get the help because of what they have done to me and god knows who else. Also I want to add that I have never received any bills from them, never even thought about it because I receive everything threw my email. I told them this and they are supposed to be sending me all my bills. I hope I canget some help.

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 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute detailing which items I felt were incorrect on my credit report. I then get a letter from Experian stating that my dispute seemed suspicious and that I should call them. I called them and the recording stated they were not taking calls from my area code. I sent them my dispute XXXX days ago and they send me what seems to be a letter disputing the validity of my dispute assertion. They failed to even investigate and give me a reference number for their communique on XXXX XXXX which did n't arrive until XXXX XXXX. I see they have only XXXX days left to investigate my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I turned in my vehicle on XX/XX/XXXX. I had Billpay set up for auto payments and accidently paid an additional {$500.00}. I contacted GM Financial by phone and email on XXXX/XXXX/XXXX, XX/XX/XXXX &XX/XX/XXXX. I provided a copy of my bank statement showing the overpayment. Since then customer service has given me a different story including that I had to wait for car to be auctioned, checked for overmileage ( turned in XXXX short of miles I paid for ), and then I would have to wait 90 days. The possible damage ( which there was n't any ) has nothing to do with the fact that I fulfilled my lease contract and overpaid {$500.00}. I am getting a different story each time I call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I recently submitted a complaint with the CFPB about my federal student loans form navient. I asked for 40 % reduction on my student loans because my school was closed down due to false advertising and other laws that were broken for the For profit school XXXX XXXX. I submitted the response from the CFPB to navient along with the school loan application and was denied because I did graduate the school. Although I did graduate it still does not take away the XXXX payment that navient is asking me to pay monthly or the other loans that I had to take out while attending this school. it was over XXXX XXXX given back for the students that were affected and I was one of the many students effected by the XXXX scam and I feel I am entitled to my 40 % reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement TransUnion and XXXX list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.

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 08-03-2017 about Debt collection (I do not know) with Retention Consulting Services Inc. (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Got a call from XXXX and someone named XXXX was on the phone, he stated that I owed money to his client and that they were trying to collect on it. When I asked what client, XXXX stated that I was notified by mail awhile ago and ignored the notification. I asked him again what was the name of the client so I could verify if I got the notification or not ; he refused to give me the information. He then asked me to verify my full name and address and he would send me out information related to what he was talking about. I refused to give him the information and at that point he advised me to have a great " XXXX '' day and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a American express card and I have never had one or applied for one I have called them 5 times trying to get to stop calls. They continue to call and harass me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Non-federal student loan) with MOHELA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was made aware today that MOHELA has been calling family members for the past week looking for me. They were told repeatedly that I do not live there but still continued to harass him. I spoke with them today and they said I must have provided them with the number but this is false and they did not take the matter seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Several names on report are not mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. XXXX has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while XXXX has refused to address my concerns. Equifax has provided no resolution and establish no contact to this date. XXXX has been provided with XXXX report reflecting corrected information in response to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016 I recieved " true & certified '' copies of alleged mortgage documents from CitiMortgage via a Qualified Written Request ( QWR ). Upon reviewing the documents CitiMortgage ( acct # XXXX ) sent me the signature on the promissory note is not my signature and I did not sign the promissory note. This is forgery and fraud. Not soon after making complaints to various agencies I get a notice of the alleged loan being transferred once again to XXXX account number XXXX 
I received notification in the mail from Citimortgage an ACT XXXX NOTICE. This notice was addressed to me and my ADULT children. Notice XXXX instructing each one of us to seek a Consumer Credit counselor to apply for a HEMAP within 33 days.. or face Foreclosure. 
The issue at this juncture is the alleged loan being TRANSFERRED or FORECLOSED. 
How can Citimortgage get way with forgery/fraud and reap the benefits of such actions against consumers such as myself and others..Please HELP This is totally confusing PLEASE HELP

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 08-05-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am submitting a formal complain t about Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Key Management Company of Missouri, LLC. (IN).
Issue: Problem with additional add-on products or services

Complaint: I moved out of Oklahoma unplanned before my first payment was due. When I called to see If I was able to mail in my first payment I was told that I owed four months of payment upfront. When I asked them about this the company said that I had to pay four months. I opened the loan in XXXX, how do I owe four months? They also started calling all of my references trying to find out personal information on myself, including my last employer. I mean harassing phone calls. They are fraudulently trying to get more money out of me than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting a debt they say I owe but refuse to provide me with any supporting documentation. They have violated the Fair Debt and Collections Practice and refuse to remove the information from my 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 06-11-2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Wrong amount charged or received

Complaint: Wells Fargo on direct deposit advances they stopped such transactions and can charge one with a XXXX fee it could be more if one ca n't add funds to ones account!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (AL).
Issue: Unexpected or other fees

Complaint: I sent a {$3500.00} wire transfer from my retirement account and it was sent to Wells Fargo, to an account that was closed years ago. The wire was rejected but Wells Fargo decided to keep {$50.00} for the incomplete wire. 

Banks charge fees for insufficient ACH transactions, bounced checks and similar things, but they are charging THEIR client in every case. Many banks also charge THEIR clients for incoming wires. These fees are part of the bank 's " Terms and Conditions '' to which their customers agree when signing up. 

I am perplexed that Wells Fargo can reduce an incoming wire by a non-customer, and I do n't see how that 's legal as there is no wire or account agreement that says they can. The entire amount of {$3500.00} should have been returned. 

I can not think of any situation where anyone or any company, absent a court judgment, is permitted to take money from someone else without their agreement and Wells Fargo should return my {$50.00}.

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 02/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back.

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 09/23/2015 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is 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 02/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XX/XX/XXXX, after using my allotted forbearance, I was forced to begin repayment on my Navient ( formally XXXX ) private student loans. At the time, I was unable to find full-time work and I could not afford the minimum monthly payment. I called Navient numerous times in an attempt to find a solution that would n't result in default. None of the programs they offered at the time lowered my payment enough for me to afford. 

As the date was approaching where I would start missing my payments, I reached out again to Navient in desperation. The person I spoke to this time explained to me something I had not heard before. I was told if I do go ahead and default, other programs would become available to me through Navient. I questioned why I would have to default first to be eligible for other programs, but I was told this is the way it is. I also asked what the programs were so I could judge if it was worth defaulting for, but I was told that information could not be provided to me beforehand. 

With no other option available to me, I went ahead and missed multiple payments as instructed by Navient. I was then able to work with the Collections Department ( I believe that was the name of the department ) and they offered me a program called the " Interest Rate Reduction Program '' ( now simplified to " Rate Reduction Program '' ). With this program, my payments were reduced to an affordable amount by having all of my interest rates reduced to 1 %. Each year I have to reapply and my interest rate goes up, but I have been able to afford the payment and have not missed a payment since then. 

The problem is I was forced to miss multiple payments before being offered this program which is being reported on my credit reports. After I was on the program and making the payments, Navient continued to report my payment being late for another few months. It was described to me at the time as the payments having to catch up from the payments I missed. The date range that this is being reported is XX/XX/XXXX through XX/XX/XXXX. Since that time, my credit reports/scores have been negatively impacted by this information. 

I later found out from other people that I know who are also on this program with Navient ( including my sister ), that they were not required to default first. This program was available and offered to them without any negative impact to the credit reports/scores. I have attempted to dispute this information through the XXXX credit bureaus and with Navient with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX  XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: THEY ARE REPORTING ON MY CREDIT REPORT HOWEVER, I WAS NEVER NOTIFIED OF THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation