milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: I had an account with fifth third bank that I had not used in over a year. There was a single deduction still being made from the account that I was unaware of. I was notified by an automated phone call that there was a problem with my account which prompted me to call the bank. Upon making this call I learned that there was an over draft ; informing me that the account -- that I thought was inactive -- was actually still being debited. I asked the individual how I could bring the account current ; the option of just paying the debt via a credit card ( which I later found out would have been an option ) was not offered. He offered no solution other than for the company to whom the payment was made to refund the money to the bank. I have never received any mailings regarding the account being delinquent or overdrawn from XXXX bank. I did, however, receive a mailing from XXXX XXXX collections agency to my correct and current address which they stated was obtained from fifth third bank. I am curious as to why the bank did not send me any notification of the accounts status or its pending transfer to a collections agency. I have subsequently paid off this debt in full to the collections agency but am unhappy that a customer of any bank could be sent to collections without proper notification ; particularly after I had reached out to them to correct the problem. It is also interesting that the collections agency actually obtained my address from XXXX bank per their employee ( name and employee number in my possession ). And, to boot, the account could have simply been brought current and closed over the phone avoiding all of the hassles and headaches thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (MA).
Issue: Managing the loan or lease

Complaint: In XXXX 2016 I turned in a leased car for a new lease.Acura Financial Services XXXX XXXX XXXX, Pa XXXX billed me for twelve months Massachusetts excise tax on the old car, and I unwittingly paid though I am only liable for one month

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The XXXX dollar corporation Navient Corp. has used confusion, misdirection, and other tactics to make it more difficult for me when repaying my student loans, including but not limited to : 1 ) making it more difficult for me to lower my payments using misdirection and other false information 2 ) cheated me, a struggling borrower ( AND graduate student ), out of a reasonable way to make affordable payments 3 ) Used tactics like transfers, multiple confusing tellers and customer service representatives, and other highly nefarious business practices to increase my interest payments making it seemingly impossible to catch up on paying the principal balance. 

Through constantly switching me from program-to-program, deadline to deadline, and making it as difficult as possible to keep up with deadlines, dates, and other unreasonable business practices this company has a valuation of XXXX dollars in assets. My wife and I take in less than {$50000.00} a year collectively before taxes and expenses. As graduate students it is unreasonable that this company would push so hard and take advantage of our situation when we are somewhat forced to continue training ( schooling ) in order to secure jobs that pay a reasonable way to meet the demands of our currently unforgiving economy and job market. Please do something about this company and put and make an example of a company that simply ca n't have enough funds and assets. Where does it end? XXXX? {$180.00}? Why not XXXX? XXXX? $ XXXX? Please help, I can barely afford to repay loans that deceptively were pitched to me as leading to an education that would ( could possibly.. ) provide me with a secure job and now there are n't any. Hence the plea for help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm a holder of student loans through navient formally XXXX. Over the past six years they have refused any lower payments. It 's to the point that I pay more for student loans each month than I do in rent. That 's outrageous. They either claim that they do n't offer this, that 's not available, or my payment is as low as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.

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 03/19/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was approved for the income based repayment plan XX/XX/XXXX. Great Lakes continued to bill me at a standard repayment rate. I called each time to tell them it was wrong which they ignored. They eventually told me I had to reapply to the income based repayment. I did what they said and was approved, again, XX/XX/XXXX. However, they continued to charge my accounts interest from XX/XX/XXXX through the present even though they continued to have my payments wrong preventing me from making a payment without the risk of accepting what they were doing. On XX/XX/XXXX, I spoke to Great Lakes again, and they deny that I was accepted and refuse to correct the interest they charged me which is now over {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: Today, I contacted JPMORGAN Chase regarding an overdraft in my account which caused a domino effect in extensive NSF fees totaling {$200.00}. I explained my situation where my account is blocked from making mobile deposits & that I have to funnel deposits through a savings account then make a transfer the next day ; in addition there are no Chase locations within over XXXX miles of where I live. I also explained that I have no source of income & currently out on XXXX. I pleaded if as a courtesy they can work with me in reversing some of the fees since this will cause additional financial hardship. The rep said they would only reverse XXXX {$34.00} fee. I spoke to 2 other senior reps not Supervisors or managers & they refused to help me further. I was even denied to speak with a manager in customer service. Now I am out a total of {$270.00} because of this block on my account to make deposits & because the bank pays out a check for {$140.00} first then charges for each additional item ( which in my case were small amounts of {$10.00}, {$20.00}, {$7.00}, etc ). The fees were XXXX the amount of the debits. The bank makes money on each NSF fee accessed in retail banking meanwhile the bank reverses fees in other departments like XXXX, Government banking, etc. When I worked at the branch level I reversed fees as a concession to customers all the time ( especially if there was a hardship sitatution ). 
I am a XXXX single mother to XXXX children with no source of income & my bank who I 've been with for years in which I trusted basically does not care that they took food out of my children 's mouths. It 's a shame how the poor customers like me are robbed with these astronomical fees while the wealthier customers get all their fees reversed with no problem. Ithe seems like discrimination & unfair business practices when you have a set policy for one area & another policy for another. It is 1 bank & every customer should be treated as a valued customer. I know this for a fact in my former experience working with the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on m y Trans Union ,   XXXX   and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 09-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I am an American citizen living abroad at the time being. I initiated withdrawal from my COINBASE account via a XXXX payment to my bank in the XXXX on XX/XX/XXXXat XXXX XXXX XXXX time. ( reference number XXXX ) I had an email from coinbase saying it would reach my bank by XXXX XXXX 2017 It shows as COMPLETED in my coinbase account but my bank has had no such transfer. I have contacted coinbase via their email support however that support has been suspended. I attempted contact on their contact form by selecting " XXXX payments " from their drop down menu and was unable to submit the form due to their technical error. I was finally able to submit a complaint on their form by selecting " unable to buy and sell '' but they have failed to respond. I have tried 5 times to update my contact form in order to get a response but can not get any response at all from coinbase. There is no phone number to ring and no email to email. I am worried I have lost my XXXX XXXX. Please advise how to proceed. Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: I received a promotional offer ( XXXX ) in XX/XX/XXXX ( XXXX American Advantage miles ) to open a CitiGold account with CitiBank by XXXX/XXXX/XXXX. The account was opened on XXXX/XXXX/XXXX. It was written that certain parameters and criteria had to be met in a certain amount of time in order to receive the promotional offer. Those criteria were met in XX/XX/XXXX. It was my understanding that after 90 days, the miles would post to my XXXX XXXX Advantage account. I began the process of follow-up XX/XX/XXXX, by way of secure message on Citi 's website, then again on the week of XXXX/XXXX/XXXX. On both occasions, the CSR indicated that I had met the requirements pertaining to promotion XXXX and I would receive the miles by the end of 90 days ( XX/XX/XXXX ). On both attempts with CitiBank, they responded that I was ineligible which is a contradiction to what the CSR 's shared with me. To date, those miles have not been credited and I need your 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 non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XX/XX/XXXX experian charged my husband and I 's debit card without us authorizing. We called them immediately and an experian representative said they would cancel our subscription ( that we did n't make in the first place ). Well today XX/XX/XXXX they have done it again same charge. We are on the phone with them again but have been on hold for over 30 mins now, so annoying. Our bank has put a stop to recurring charges from them for a year.

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 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid XXXX the amount I owed them twice already of {$310.00}, each time to a different collection agency. Now, three years after i paid off the last collection agency I received another collection letter that I owe them another {$310.00} and this is a third different collection agency. I do not owe XXXX any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Transaction issue

Complaint: I Made a Purchase with XXXX {$370.00} and i never received the itemthe item that i Purchase It was on XXXX for a Galaxy Note 4 Used and the item was never shipped to me i did also made a claim with XXXX but XXXX has my refund in a pending Status Since XXXX XXXX 2015 and still have not return the funds back to my back account. i contacted American Express About this Problem and they stillstill have the investigation in a pending status and its been 2 weeks and the bank has not provide a resolution for this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent out letters since XX/XX/2017 for Equifax to provide proof of the documentation that have received by the negative reporting companies on my credit. Each investigation that I initiate ends up with the same generic response we verified that this account belongs to you. I have sent letters to each of these companies and I have n't received validation. So I do n't understand how they obtained validation at all. Or why it has been impossible for them to provide me with the proof if they have it in their possession. I have also requested that certain inquiries are removed off my credit that I did not authorize. But I receive the generic response of inquiries are factual record of file access. I do n't see the point of having an extended fraud alert if information can easily attach itself to my credit report. They do n't take time to actually verify these accounts ; they just send out generic responses. For example I mail out all my letters through a company that provides tracking of when the letters is mailed out and when it is received by the company. I sent a dispute out on XX/XX/2017 and it was received by Equifax on XX/XX/2017. I get a response to my dispute on XX/XX/2017. I have proof of everything if you need copies. I did upload proof of the timing of the report for one of my disputes just to show you an example. Thanks so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX unauthorized use of name account unknown verification of debt with original proof provided

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Other service problem

Complaint: I ordered some merchandise and it was lost.Was paid for on XXXX XXXX, 2017 from XXXX XXXX For XXXX .Instead of reversing the charge on XXXX XXXX She sent me the money like she was buying something from me so instead of going back onto my card it went into a paypal account .After I realized I was unable to withdraw the money out of the PayPal account because they have limits on how much you can withdraw.I called PayPal and they told me to return that money and ask her to reverse the Chargers. On XXXX XXXX I sent her payment back and asked if see could please reverse the payment on th initial charge so it would go back onto my card I paid with because I was unable to get the money the way she sent it. Lesson learned you cant trust people

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This is the second time I 've had to ask for assistance from the CFPB. I have many unauthorized ATM transactions on my Citibank checking account. I now have a small overdraft because of my missing funds and they 've threatened to close my account if the overdraft is not paid. I should have over $ 2k in my account. It 's been well over 10 business days since my dispute. They should at least provide provisional credit while they investigate. I thought that was the law?

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 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I have unauthorized and fraudulent inquiries listed on my Experian credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/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 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have sent many of the same and to date, not a thing has been done. I am now wondering why these governmental agencies are put in place if they do not help the people. Let me try again. Perhaps I will reach someone with integrity who is astute enough to make the necessary corrections. Experian credit bureau is totally 100 % out of compliance. The statue of the credit bureaus negligence should be enforced. I have in my possession a copy of the disputes and the items that were deleted. Experian for some reason wants to put these items back on my report. My intelligence and the statues of the FCRA and FTC states that can not be done. Once an item is removed, it stays removed. Can someone please answer me and tell me why these items have allegedly come back out of an investigation and they now remain. For your viewing pleasure, I have attached a copy of the documents sent to Experian. Being the the CFPB does n't do much, I am not confident I will receive resolution by filing a complaint here. Every complaint in the past with which I know other people in the general public have complained about to have gone unanswered or ignored. The accounts in dispute are the same ones that have been in dispute since XXXX. Also, Experian changed the date of my fraud alert and freeze alert from XXXX to XXXX! I believe I made a complaint in regards to the same and yet again, nothing has been accomplished. I is the worst thing to deal with a government agency that could care less about the citizens of America. Evidently, with the latest events being the election, it can only get worse. My complaint is with Experian credit bureau, items that were previously deleted are now showing again. They have been provided documentation that they are lying and saying they never received. I mailed them and also e-mailed them. I am not confident that this will remedy the situation. I have filed complaints about XXXX XXXX XXXX which were 100 % ligament complaints referencing all the money stolen from my personal bank account. A package was mailed as proof the the CFPB ... ..Nothing got resolved. The OCC decided they would n't take my evidence into consideration whatsoever. It 's all about the corruption in the government entities. In every aspect. XXXX stole thousands on top of thousands as well ... .Again, nothing done. I know for a fact several people have filed complains against all XXXX of these companies and of course nothing enforced. I often wonder why statues are made. They in no way take precedent over anything! Experian needs to fix my report immediately and provide a new report. I also request my freeze lift code and they never mailed it to me. America ... land of the free and home of the brave ... ... not in my world

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