milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (MT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. 

I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY 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 monetary relief
Consumer complaint received 09/29/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Making/receiving payments, sending money

Complaint: This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I saw an ad online from XXXX for helping consolidate loans. I contacted them, gave them my information about my loans and they put me in contact with XXXX to process my payments to them. 

I used XXXX to help apply for a lower monthly payment plan. They processed my paperwork and moved my loan servicing to XXXX. They failed to migrate my Perkins loan to XXXX, so now I have to pay a separate business for this other loan. I was completely unaware that my Perkins loan was n't included in my new payment plan until AFTER I was notified that a bill was past due. 

Before attempting to refinance my loans, I paid all of my federal loans with one monthly payment of {$160.00}. Now, I have to pay $ XXXX monthly to XXXX in addition to {$230.00} a month to separately pay for my Perkins loan. 

All of this is not including monthly payments I have to make for private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service / Customer relations

Complaint: I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the 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 non-monetary relief
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I purchased TV service from XXXX XXXX in XX/XX/XXXX, for {$74.00} per month. The service was to include their 250 channels plus XXXX XXXX. I paid the install fee with Citicard of XXXX XXXX, SD. No other charges were authorized. I paid the monthly charges with another credit card which had no association with Citicard. In XX/XX/XXXX I found that XXXX had blacked out 55 % of the 250 channels, but had received no reduction in charges. Since I was not under a contract, on XX/XX/XXXX, I cancelled the XXXX service. XXXX claimed that I owed an early termination fee of {$320.00}. I advised them that I had not agreed to a contract, nor had I signed a contract. In fact, I had never seen their contract. I refused to pay the charges. Because I did not trust XXXX, I telephoned the bank that had been paying my monthly charges, and instructed them to decline any further charges from XXXX. They complied. However, XXXX found in their records where I had paid installation charges from Citicard. They filed the charge with Citicard, who initially paid the charge. When I learned of the deception, I informed Citicard of the forged contract that XXXX had created and instructed Citicard not to pay the XXXX charge. Citicard then reversed the payment to XXXX and purportedly began a half-done investigation. Without talking to me, Citicard decided to pay XXXX, even though I provided Citicard proof that XXXX had forged my signature on the supposed contract. Since then, Citicard has tried to collect the XXXX charge from me. This is how Citicard treats customers who has been doing business with them for 22 years, paying every statement in full and on time.

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 06-03-2016 about Payday loan () with Acceptance Solutions Group, INC (WI).
Issue: Charged fees or interest I didn't expect

Complaint: They keep harassing me calling my job and putting my job in jeopardy ..after months of talking to Wisconsin acceptance customer she said she would work with me n now coming to find out there are trying to garnish my checks and put a judgement on my name and that 's not far the loan amount was XXXX now they want XXXX plus XXXX dollars to stop garnishment o want the phone calls to stop

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify Equifax and XXXX of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Credit Adjustments Inc (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Need debt verified or removed from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this 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 non-monetary relief
Consumer complaint received 04/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: American Express will not allow me to redeem cash back rewards, as advertised, without me providing them with an email address that they can dump trash email marketing into. They have widely advertised their cash back reward card but have not indicated that an email address for AMEX 's use and convenience is required to redeem your earned cash back credits. Yet I just tried to redeem my cash back credit through their online website and was not allowed to do so without providing them with an email address they like better than the one I gave them ( a non-working one appropriate for the junk email dumping AMEX wishes to use it for ). 
Why is a company as deceptive, unfair and abusive in its practices as AMEX allowed to violate people 's privacy and put them at risk by demanding an email address for their own marketing purposes? Why are people being forced to pay for more of AMEX 's advertising than they want to or should be required to?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, Transunion and XXXX ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XX/XX/XXXX. i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, XXXX and Transunion along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, XXXX and Transunion. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}

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 explanation
Consumer complaint received 10/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: after a floding situation and wind damage in the area I end up set back in my payments, and I want to resumen my payments and the Bank refuse to take it probably to inflate amount. please monitor it. and help. the full amount is {$1400.00} total.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 am a victim of id theft and my personal information was compromised in the XXXX data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft 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 06-10-2017 about Vehicle loan or lease (Loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (PA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: I have sent you documents pertaining to my illegal foreclosure. Some of the documents have been redacted, but my name and other personal information such as email address and home, mailing address has been included. Ditech has already received this information through faxes and local court filings. As yet, Green Tree, LLC. a.k.a. Ditech Financial, LLC has refused to validated the mortgage debt, or conclude their so-called, fraud investigation concerning my mortgage payment account. Ditech has continued to attempt to profit from their own fraud, and fraud perpetrated by XXXX XXXX XXXX and XXXX XXXX XXXX by attempting to move the local court to sell my home regardless of the court 's order vacating the judgment of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have been experiencing some financial hardship and contacted my loan servicer who is acting in behalf of XXXX XXXX XXXX bank. I have audio recorded evidence that the servicer has been engaged in " dual tracking '' and also has purposely caused delays since I have requested a modification. I am less than 60 days behind having made a payment recently. I was sent a default notice by the servicer twice. I have contacted the servicer and they say they are looking into what modification programs I might qualify for while at the same time continuing with forclosure procedures. They have violated the CFPB 's rules that require that a minimum of XXXX days delinquent before they can proceed with any type of foreclosure process. They are " dual tracking ''. They are trying to delay the process by saying they have not received all of the paper work. I can prove they have attempted this by the audio recordings I have of the calls I have had with them.

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