milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent in a letter to have Account # XXXX VALIDATE on my profile. It has been over 30 days and Equifax is stating their doing an reinvestigation. Please correct or remove this information off my profile as it effects my ability to obtain correct. Also, please address the other accounts listed on the letter as well. It 's has been over 30 days for all accounts and other information listed on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion is required by FCRA to report accurate and complete information on my credit report or delete reporting the inaccurate items after investigation.VA DEPT SOCIAL SVS DCSE, ACCOUNT NO. XXXX ... .WAS reporting an XXXX balance owed for 5 years 7 months after it was paid until this week ... ... for these 5 plus years it was false and damaging to me, entitling me to seek court redress against the furnisher.Transunion has allowed the furnisher to update the record partially and not completely.Transunion allowed the furnisher to backdate their error, to hide the fact of the injury to me to allow the furnisher to say in writing that the error was corrected in XXXX instead of last week.THE DATE OF LAST REPORTING MUST SAY XXXX XXXX NOT XX/XX/XXXX.ITS TRUE THE FURNISHER CORRECTED THE BALANCE TO XXXX BUT THAT SHOULD HAVE BEEN DONE 5 YEARS AGO.TRANSUNION AND THE FURNISHER HAVE PUBLISHED THAT THE CORRECTION WAS MADE IN XXXX WHICH IS FALSE INFORMATION. 
ALL INFORMATION MUST BE ACCURATE INCLUDING THE DATE OF LAST REPORT. 
I CAN COLLECT DAMAGES FROM THE FURNISHER FOR THE FRAUDULENT REPORTING FOR 5.5 YEARS.I HAVE GIVEN YOU THE CHANCE TO DELETE REPORTING BUT YOU HAVE CHOSEN TO HIDE YOUR ERROR BY FURTHER MISREPORTING SO AS TO AVOID DAMAGES, LOSS OF EMPLOYMENT, ETC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Darnel Quick Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I first became aware of the debt when applying for a apartment and as it 's reporting on my credit report affecting my ability to get a home

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I American Education services continues to call and email monthly when my payment is due. I have attempted to contact them and complain to them as they demanded that I make 3 payments from XXXX XXXX 2015 thru XXXX/XXXX/2015, which have been made when I called to discuss this with them they would not call me back as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen in a hack from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Rewards

Complaint: I have a Chase credit card with a reward program. I have accumulated XXXX rewards points on my account which worth cash amount of {$340.00}. But when I was trying to redeem the cash, Chase took away all my points without any notice in advance, and refuse to redeem any cash for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX XXXX miles promotion. XXXX code : XXXX. I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 

In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. 

In XX/XX/XXXX I received an email stating that Citi had closed my account without permission and I still had not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. Then, they have closed my account, I suspect in an attempt to not have to give me my miles. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you

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 01/30/2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being called repeatedly about the debt that I owe. As of today, Monday, XXXX XXXX, this company has called me 10 times since XXXX. The voicemails that they leave do not identify the debtor, but just states that I am to call the person back as soon as possible to discuss a matter " of importance. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank of America has been manipulating my checks into my bank account. 
Causing overdaraft fees. This is highly illegal as well as unethical!

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 05/18/2015 about Debt collection (Medical) with Account Recovery Specialists, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/2015 and XXXX/XXXX/2015, I received robocalls from ARSI that were left on my call notes. On XXXX/XXXX/2015, I called back and spoke to a person named XXXX. She stated that the calls were regarding a bill that I owe to Emergency services. I told her I had not heard of them ; moreover, I had not received a bill from their organization or ARSI. I asked her when the bill was sent from ARSI, and she stated on XXXX/XXXX/2015. Therefore, they began calling me before I could have possibly received the bill. When I told her that I was disputing the charges and to cease calling me in the future for payments, she continued to talk over me, continued to attempt to collect the debt, with the latter not legal once a consumer has stated they are disputing it. She should have simply honored my request. When I requested to speak to a supervisor, she transferred me to a person named XXXX. XXXX stated she would make sure I did not receive calls in the future, but she further stated they were not doing anything illegal. I find it to be pretty shady that they are trying to collect on a bill where the provider is unknown and there has been insufficient time to have received a bill that states my credit rights and the option to dispute the bill. After the phone conversation was over, I sent a written notification via their e-mail XXXXXXXXXXXX to cease placing calls and that I am disputing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I APPLIED FOR MORTGAGE ASSISTANCE FROM MY LENDER ( BANK OF AMERICA ) BUT THEY CAUSING LOTS OF NEEDLESS DELAYS IN THE PROCESS REVIEW WHILE CONTINUING WITH FORECLOSURE ACTIONS!!! 
I AM TRYING IN GOOD FAITH TO FIND A SOLUTION FOR MY MORTGAGE PROBLEM AND HAVE PROVIDED EVERY ITEM THEY ASKED FOR. NOW ALL OF A SUDDEN THEY SAID THEY ARE SELLING THIS LOAN TO A DIFFERENT COMPANY AND THEY WILL NOT WORK ON MY MODIFICATION APPLICATION ANY MORE!!!! ACCORDING TO " B OF A '' I HAVE TO WAIT UNTIL THE NEW COMPANY GETS MY FILE & CONTACTS ME TO CONTINUE THE PROCESS. YET THEY WILL NOT STOP THE FORECLOSURE PROCESS DURING THIS TRANSITION PERIOD!!!! 

BANK OF AMERICA HAS PUT THE MODIFICATION REVIEW ON HOLD BUT THEY WILL NOT PUT THE FORECLOSURE PROCESS ON HOLD!!!!! THIS IS SO UNFAIR AND UNREASONABLE!!! 
IF THEY ARE WAITING FOR THIS TRANSFER PROCESS TO COMPLETE BY THE SAME REASON & LOGIC THEY SHOULD WAIT ON THE FORECLOSURE ACTION TOO. THEY HAVE PUT AN IMPOSSIBLE OBSTACLE IN FRONT OF ME WHILE CONTINUING WITH THE FORECLOSURE STEPS!!!!

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 11-04-2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: This morning, I sent money to my wife via Western Union. I was provided an XXXX # ( XXXX ). I was informed the recipient was unable to receive the funds because the XXXX was incorrect. Western Union collected the money from my checking account, but has not credited my Western Union account. I was advised by my credit union that they could not cancel my debit card transaction because I " entered into a contract '' by using my debit card. I was provided a " system trace audit number '' and " sequence number '' by my credit union. I emailed screen shots of this transaction on my checking account and a picture of the document provided to me by my credit union with the technical numbers associated with the above listed transaction. The Western Union help desk. I was given the help desk reference number of XXXX from the email address XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have sent XXXX qualified written requests to our mortgage holder/servicer and have not received the requested documents to date. 
Verbal confirmation not written was given that they did receive the requests. 
Original request was XXXX XXXX, XXXX Notice of second request was sent XXXX XXXX, XXXX On XXXX XXXX, XXXX we received a packet with loan documents for a XXXX XXXX out of XXXX, XXXX. 
Rather than receiving any written confirmation of receipt we were notified to fill out forms for loan Modification Each time we asked our rep or customer service person for the status of the written request we would be told it was in the file and they would have to transfer us. We were hung up on so many times and during that time the loan was transferred from Greentree to Ditech. 
We sent and confirmed another request on XXXX XXXX, XXXX. 
Since Ditech has taken over the loan our customer service person has changed 5 times in less than three months. We were also told that our loan modification consideration was stopped in XX/XX/XXXX when they determined there was a unfulfilled qualified written request on file. 
We now have received a Notice of foreclosure and have still await qualified written request documents. 
On XXXX/XXXX/XXXX we again sent a qualified written request ( this would be XXXX in total ). We are trying to work with the XXXX Save our Home Program and need documents to provide for consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to XXXX of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number XXXX Services of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up my credit.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Starting XX/XX/XXXX, the three major credit reporting agencies, XXXX, XXXX, and Transunion were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, Transunion, and XXXX credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, XXXX, and Transunion refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, XXXX, XXXX, and Transunion- to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.

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 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: Coinbase.com has double charged my account and I can not reach anyone from the company. My checking account is sitting in the negative after these fraudulent charges and I cant get any answers. They are blaming XXXX and XXXX is blaming Coinbase. I just want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Consumer Loan (Title loan) with 1st Money Center, Inc. (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I live in Michigan. I have a title loan that I have paid over {$2000.00} in fees. I am 12 days late and I still owe XXXX on original loan. They have not taken my car but are texting me that legal action is going to happen. Do I have any recourse, since my original loan was for {$800.00} and every month I have to pay over {$200.00} and it does not touch the original amount. Please respond quickly as I need to know if I have any recourse what so ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Hi, I opened Citi Gold checking account thru internet. At that time, XXXX bonus points of XXXX was offered with certain requirement. At the time of opening the account XXXX XXXX, I confirmed with an officer of Citi. I fulfilled the requirement in early XXXX XXXX and confirmed with an officer of Citi. Since I had not received the promised bonus points, I have contacted with Citi officer in XXXX twice saying the points would be posted by XXXX. Today, XXXX XXXX, XXXX, I have n't received. I have contacted the Citi and XXXX told me I 'm not eligible since I do n't have any letter saying I 'm eligible to receive the bonus points. My previous confirmation ( more than 3 times ) is noting. It was internet offer to general public. How can I show the letter. Why should I show even I have confirmation from the citi officers ( 3 times with evidence actually 4 times ). I believe Citi must stop deceiving general public with fake promotion. Please make Citi stop deceiving general public. 

Attached plz find the confirmation with Citi Officers. 
Thanks

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 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My credit card was stolen on XX/XX/XXXX. Charges were made beginning at XXXX on XX/XX/XXXX. Over {$2200.00} on my chase credit card in 24hours. I never used this card before, it was my  emergency card, I used it only at the emergency XXXX clinic on XX/XX/XXXX. The vendors and my credit card company refused to give me any information about the IP address.. local law enforcement is too busy and refused to look in to my report. I would like to get the IP address of the fraudulent charger to prevent them from doing this again to anyone else. Why wo n't anyone listen to me?

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with XXXX XXXX XXXX in which my regular mortgage payment and escrow to pay property taxes and homeowner 's insurance was included, the amount was {$1300.00}. The loan was transferred to Select Portfolio Servicing and even-tough my property taxes and homeowner 's insurance have not increased, Select Portfolio Servicing has increased the escrow amount to an additional {$53.00} a month making my total monthly payment to XXXX. I find this very unfair and abusive.

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