milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: on XXXX XXXX-2017, was charged {$34.00} for insufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for in sufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds/overdraft fees XXXX XXXX XXXX-2017 was charged {$34.00} for insufficient funds/ overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds-overdraft fees. All these charges are not justify from their rules and regulations, therefore i requested a full reversal all the above charges XXXX-2017 ( at the time was only 3 times charged insufficient funds fees spoke to XXXX XXXX XXXX ( manager customer service for jp morgan chase ) and she totally deny any credit back to me and also she was unwilling to give me her id number. jp morgan chase has manipulated their rules and regulations so they can charge customers unjustified fees. the followings will describe how jp morgan reformulated their rules so they can steal money from consumers. # 1Last year they closed everybody overdraft protection accounts ( customers will have a line of credit to use it when account will go overdraft so they may charge over the limit fees # 2 they allowed checks to go in the account anytime during the day so they may charge customers fees unaware of the activity in their account # 3 i used login in the early morning in my account and see all the pending charges and covert them accordingly to a time frame regulated from the bank example : if a transaction will be pending status for {$500.00} at XXXX XXXX and only have {$300.00} in the account will make a deposit by XXXX and covering now checks are allowed in the account anytime of the day so the pending status does not exist anymore. its not fair that jp morgan abuse his customers this way and we all deserve a fair way to be treated even if we struggling financial

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (KY).
Issue: Making/receiving payments, sending money

Complaint: HelloOn XXXX XXXX I received a very cryptic email from Paypal that my account was being suspended for security reasons, since then I have attempted to communicate with them via phone or email to get issue resolve with no successI am being told that I have violated their terms and conditions and because of this my account has been suspended and money will be on hold for 180 daysI have attempted to find out what policy was violated and I ca n't get an explanation I have also asked why they need to keep my money and receive no real reasonI have detailed emails that I can provide with communication with Paypal on this issue to anyone that would like to reviewThanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has been harassing me about a credit Card debt form XXXX XXXX Bank that is not mine. I 've asked them several times to verify that I owe this debt, and they have failed to do so. On my credit report it states that I owe XXXX under XXXX and under Midland funding who is the collection agency for XXXX it states that I owe {$800.00}. This is not my debt and this is unfair that they are harassing me about a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 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: Information belongs to someone else

Complaint: I have tried to correct these issues with Transuion many times, I have sent out letters asking for validation of these accounts and all they pretty much tell me is that they " verified '' the account. I send of f 4 different letters on 4 different occasions (   XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    )  and they still failed to send me validation of these accounts. According to the Fair Credit Reporting Act the company must validate these account rather then just report this inaccurate information. Below I Have Attached Their Responses to my request. & Yet Thes e Inaccurate Accoun ts Still Remain.     Accounts Listed Below :  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 01-11-2016 about Debt collection (Medical) with RSH & Associates, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have been getting at least three calls per day from rausch sturm XXXX enerson & hornik. It is a robo-call, and I have no idea what it is in regards to because I filed bankruptcy and it was discharged last year, and I have checked my credit report and not found any accounts in collection. On top of this, I sent a cease and desist letter which included my bankruptcy discharge notice to the " law firm '' which was received by someone there back on XXXX XXXX, 2015. I have still been getting at least three calls per day. I am being harassed. I even had my attorney call and ask them to stop. The person with whom he spoke told him the calls would stop, then I got yet another call just now. I finally called them myself and XXXX XXXX from the XXXX office basically said he thought I was lying about the calls and declined to listen to XXXX of the XXXX+ messages I have saved to my phone from after the firm received my cease and desist. If this is not harassment, I do not know what is. Please hold them accountable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: For the past 18 months I have been disputing with TransUnion, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX UNITED STATES DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX was added before called XXXX XXXX XXXX for XXXX XXXX *credit report in XXXX did not show US Department of Education , they continue to remove and than add back to my credit file. 

I also told them to remove inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below. 

XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX I also told TransUnion to remove the addresses not affiliated with me , those address is as followed : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and add the correct address . 

My last certified letter that I sent TransUnion was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.

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 12/18/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VT).
Issue: Deposits and withdrawals

Complaint: I wrote a check drawn on my TD Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by TD Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to TD Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to TD Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called TD Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to TD Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood TD Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The TD Bank voicemail advertises the it provides " Legendary Service. '' I have been a customer of TD Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with CIR, Law Offices (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016, I received a demand letter in the amount of {$2200.00} from CIR Law Offices XXXX. I am disputing this debt, because it does not belong to neither my wife or I. My wife and I will not pay a debt that does not belong to XXXX. 

This debt is a result of Identity theft. My Wife 's and my personal information and Identity was used with out our knowledge or consent. 

Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with National Credit Processing Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call in XX/XX/XXXX about a payday loan debt and threatened to take me to court. I received another phone call from XXXX. This guy called me XXXX and left insulting voice mail on my phone

Company response to consumer: Untimely response
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with TENET HEALTHCARE CORPORATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX Medical bill that probably has over 10 years for the amount of {$190.00} Something that was already debate. XXXX keep posting this in my record having my credit score between XXXX to XXXX point lees that the other credit company. XXXX may be want to make money having me contact them an pay for services. I really appreciate your help on this matter.

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 03/15/2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Application, originator, mortgage broker

Complaint: In association with complaint number XXXX the following court documents are submitted to update the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Credit card debt) with DISCOVER BANK (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called Discover card customer service about an old credit card debt from about 10 years ago. They referred me to XXXX XXXX XXXX and provided the phone number. I contacted XXXX XXXX XXXX and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again XXXX, they said they would have it to me by XXXX. They did not. I called again and was told they would have it to me by XXXX. They did not. I called again the following XXXX and could never get a person on the line. I called again XXXX and could not get a person on the line. I called Discover card. The Discover Card representative attempted to contact XXXX XXXX XXXX as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is reporting negative information from XXXX XXXX XXXX under my name and social security number. I never opened the account they are reporting. This account was opened due to identity theft. I submit a police report to them reporting identity theft and based on my consumer rights with the Federal Trade Commission " if a police report is filed based on identity theft the item is supposed to be removed immediately ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient owns XXXX different student loans of mine ; XXXX federal and XXXX private. I called to request a lower payment option as they were increasing my monthly payment significantly, and they would ONLY lower my payment if I would agree to a graduated repayment plan that will increase my loan payment by 400 % in two years. I requested to extend my loan terms in efforts to negotiate but I was told that because my loans did not total {$30000.00}, they could not extend the terms. My loans currently total XXXX. I was {$200.00} under this magical {$30000.00} mark, and they refused to assist or make an exception. I waited on hold for XXXX hours to " resolve '' the issue and this was the only way I was informed that I could make my loans affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have the dicks sporting card through synchrony bank. They will call me 20 times a day to the point I had to have the phone company block the calls. Then they send emails so I called back to make arrangements. I received an email and letter stating I made arrangements for XXXX a month and I paid my first month. They contacted me again and said no not good enough and that they. Ca n't find any such information so supposed to have been doing an investigation. When I paid online it even said XXXX a month. So then they offered XXXX a month and I said we 'll the investigation is going on so can I wait a few days cause they told me to wait. I called a few days later and I was told still being investigation but now, y payments would be XXXX a month. Last 2 days I have been on the phone with them getting the run around because the lady I was making arrangements with put down in the notes that I had an attorney which I never said. I said I need to go to work so I 'll call back in the afternoon because I had already been on the phone. For over 30 mins. When I called back in the afternoon, I was told I can do the arrangement because the lady Said I wAs filing bankruptcy and had a lawyer which neither XXXX is true. I wars told also in order to make arrangements even though I got a letter stating after the XXXX of. XXXX, they are going to sue me, that I have to write a letter stating I wo n't get an attorney and that because my bill is due on the XXXX, that the new payment arrangement will be higher than what the lady stated yesterday morning. Same company asked me what medical reason did I have for Losing my job which made me fall behind and got mad when I said the Hippa laws. After this they directed me to the place I called in the first place who then redirected me to the collection, then collections directed me back to customer care who told me that without me writing this letter they ca n't talk to me. Or tell me about payment arrangements.

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 11-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Advertising and marketing

Complaint: Advertised - 7 Years No Interest to open and current Furniture Row Express Money Card issued by Capital One. When I made my purchase I was only offered 5 years No Interest. We went to Furniture Row at XXXX XXXX XXXX. XXXX TX on XXXX and met with XXXX to purchase a Tempurpidic bed and foundation for {$4600.00} for the advertised 7 years no interest. The advertisement said " Offer available on approved singles or combined store purchases totaling {$3900.00} or more of qualifying merchandise made between XXXX/XXXX/15 and XXXX/XXXX/15 on an open and current Furniture Row Express Money card issued by Capital One , N.A . '' I have an open Furniture Row Express Money Card with an available credit of {$4700.00}. When I went to purchase I was told that they would only give me 5 years no interest. XXXX called Capital One on XXXX and said that my credit account is not in the correct tier to get 7 years and they could only offer 5 years. I called Capital One on XXXX and they said that this is Furniture Rows decision to offer 7 years not Capital One 's and I need to take it up with the store manager as they do not make the promotions. I filled out the paper work on XXXX with XXXX at Furniture Row to make the purchase by calling back in on the phone the next day after a discussed this with Capital One. I went ahead and made the purchase over the phone and received the 5 years XXXX interest. I have filed a XXXX complaint against Furniture Row. The complaint went unresolved and Furniture Row said that this is an issue with Capital One. I have called Capital One again and asked for something in writing to explain how I have a credit card that is in a different tier and can be denied the 7 years but given 5 years no interest. They said that they do not have anything in writing and offered to send me a credit card agreement. I have received the credit card agreement and there is nothing in it that states that I can be denied an advertised 7 year no interest and given a lower tier of 5 years no interest. This is false advertising that lead me into the store to make a purchase for 7 years no interest and then have it not offered to me even though I already had the approved credit card and credit limit to make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Delinquent account

Complaint: Macy 's department Store Card did not forward statements to new address and after 3 months only notifications was from collection company. As soon as notice was recieved full balance was paid off ( {$300.00} ). Macy is unwilling to remove derogatory mark from credit and believe their policy for not forwarding statement leads to late payments etc. Currently, my credit score dropped XXXX points and assuming most of it is due to Macy 's. I 'm unable to get mortgage due to their lack of customer service and compliance with USPS.

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