milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2016 about Bank account or service (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: I am writing to inquire assistance, if possible, on recovering some funds that were charged to us by BMO HARRIS, XXXX WI. I am writing per the Consumer Financial Protection Act that was created in part to protect consumers from Unfair, Deceptive or Abusive Practices. 

Several years ago I opened for my young son a savings account for which I was the custodian. My son turned XXXX on XXXX XXXX 2015. BMO Harris did provide quarterly electronic bank statements. I admit that I did not look at them too closely, as for the past few years, there was not much activity on the account. As I went to close the account last week, to my surprise, the bank gave me the balance minus {$40.00}. They explained that the {$40.00} charge was related to 8 monthly maintenance fees worth {$5.00} each, that started when my son turned XXXX in XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I explained that I never received any letter or warning about the change and they responded that it was their usual practice. 

I am aware that their website provide explanations of the rule. Indeed, much information is laid out on their site for customers to search and read. However, I know that it is customary for financial institutions to send notifications when a change occurs on an account. I had a bank account with XXXX XXXX who sent me a notice about starting charging fees due to inactivity on the account. I went to XXXX XXXX and closed the account. The same situation occurred with my wife and XXXX XXXX. 

I am inquiring for assistance as I do n't believe that their practice is fair and conducive to a clear and transparent business relationship between the bank and the customer. This is an omission on their part that gave me no choice and that is totally one sided. This is an omission that benefits them only and leaves me with no option than bearing the cost. If I had not decided to close the account, they would have emptied the account of the funds and then they would have sent me a notification for non-payment of additional maintenance fees. There is something wrong with this practice. Therefore, on one end, they send no notice or warning before any change on the account and before charging any fees ; and on the other end, they would readily send me a notice demanding that I pay fees after having emptied the account.

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 02/15/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Navient is the entity which holds some of my private and federal loans. I have made multiple attempts to explain that I am unable to make what they say is the minimum required payment. I have always indicated that I want to pay what I can, but they have not been willing to offer me a lower payment option. Because of this, I have not made any payments for some months now, leading to some of my debt defaulting, being transferred to debt collectors, and e-mails and written letters threatening impending legal action. This also affects my father, who co-signed on at least one of my loans. He has supplied his financial information numerous times, in an attempt to show that neither he nor I am able to pay what they are demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with PNC Bank N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I receive social security & XXXX I recently got a letter in the mail from them saying I will be penalized because I am over my resources with an account from Pnc Bank I am not banking with Pnc Bank I will not be able to support my self because SS/XXXX is going to stop paying me due to this I have not giving anyone permission to open up an account in my name I called customer service but was n't able to get help because I did n't have an account number to give them I recently change my name my previous was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX I set up a joint account for my mother and I. We needed a way to share funds because we are purchasing a house together. I signed up for an account online. I received an email stating I needed to send a bank statement to verify my identity, so I sent XXXX. I later received a call saying that was n't good enough because they tried calling my credit union to verify my information but the credit union would n't share information. Why call my credit union when everyone knows they 're not going to give out my information? Why ever ask for the bank statement in the first place if the statement itself was n't enough? 

So then they asked for more information. I clearly explained to the person on the phone that I was at a new address and did not have any bills at the new address yet and my license still had my old address. He said I could send a copy of my license and a copy of a bill for the current address with my roommate 's info and that would be sufficient. I sent XXXX items and did not get a request for any additional information. 

Then last week I got a check in the mail for my account balance and notification that my account was closed. When I called to find out why, they said the information was not sufficient. I asked why and they could not explain why because the notes did n't have any details. Then they said they could reopen the account. So I waited for a personal banker to get on the line, we went through my request, and they said I would be contacted within 1-2 days to let me know what information they needed to finish reopening the account. 

A week later I had n't heard from anything so I called back. After 10 minutes on the phone, someone finally said that I could not reopen an account that had been opened online. Why was I told differently the previous week? Why did I waste a week waiting for a phone call that was never going to come? They want me to start the process all over without being able to explain to me why the previous documents were not enough and what I can do differently to make sure the account opens correctly. They want me to risk wasting a bunch of time trying to open this account again. I have now wasted a month and a half trying to set up an account. A month and a half I could have been progressing on the house purchasing process. And all because Citi ca n't figure out what documents they want and how to do basic communication with a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Hello my name is XXXX XXXX XXXX I am writing on behalf of my husband because he XXXX, Because of his situation he can not maintain his home and we are currently trying do a short sale with NationStar that is servicing the loan, NationStar has deny my short sale, they claimed that my agents was n't responding in which it is a false statement my agent have made every effect to sell my home. NationStar claims that the only way I can be able to get approved for a short sale if I participate in an online auction. They auction my property on XXXX XXXX, 2015 in which they claim that someone bided in the mid $ 300K this buyer never responded it was a waste of my time because XXXX does not know if the buyer are qualified to bid. ( I was already in contract with another buyer in which I lost because they lost the bid ). XXXX sent my agent an email saying that they will auction my property again on XXXX XXXX, 2015 and on XXXX XXXX, 2015 I email my agent a letter to send to NationStar that I deny that my property be auctioned on XXXX. In which NationStar never responded to the letter and the property was auction anyway and the short sale was denied. I resubmitted for a new short sale and they are giving me such hard time my agent submitted a offer higher than XXXX XXXX, 2015 auction. And again NationStar has not respond. I just want to get this over with, it been five month. We should n't be force to auction our property, if we already have a qualified buyer and are in contract. My agent submitted an offer on behalf of the buyer, but NationStar never counteroffer and email my agent that I will have to participate in online auction for my short sale to be approved. I think it unfair to have drag this for another couple of month. I hope you can help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is a formal complaint that Experian reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The information listed below appears on my credit report but I did not make or approve of these transactions. This happened because of identity theft. 
XXXX XXXXXXXX XXXX Opened Date AXX/XX/XXXX Highest Balance {$170.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$290.00} XXXX XXXX XXXXXXXX Opened Date XXXX XXXX, XXXX XXXX XXXX  XXXX Opened Date XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$480.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$300000.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$580000.00} XXXX XXXX XXXX Balance {$2700.00} Opened Date XXXX XXXX, XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed 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 non-monetary relief
Consumer complaint received 05/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with EZCORP, INC. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: There are people fro m e z mo ney loan which no longer exists calling me and threatening to have me arrested for fraud and that my probation will be revoked. I called  e z lo an and was told th at e z mon ey loan no longer exists. It went bankrupt and all loans that were through them were written off and I no longer owe them. The people calling me and threatening me are the frauds. They said I had to pay {$390.00} by  XXXX  today  XXXX   XXXX ,  2017 o r a warrant would be issued to arrest me for check fraud. The people calling me is saying they work for Texas. Their names are  XXXX   XXXX  and  XXXX   XXXX  at  XXXX  extension  XXXX . And a  XXXX  that says she works f or e z money loan Corp a t  XXXX .

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 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I contacted Chase on 2 occassions by phone, requesting them not to send me any more 0 % Balance Transfer offers and checks by mail. They said they would stop and 2 weeks later, they send me some more junk mail. This company wont stop inspite of emails and phone calls to them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is currently reporting XXXX charged-off accounts from XXXX that are grossly incorrect. I contacted XXXX via phone some months ago to obtain account numbers to investigate these accounts. They were unable to provide them. I filed an online dispute with Equifax and they were incorrectly " verified ''. Equifax is being grossly negligent in reporting these accounts and is causing a great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Kohls.com account login was compromised, and my account was used to purchase a large item costing more than {$500.00}. I noticed the charge on my account due to a notification that my shopping account login email had been changed at XXXX XXXX. I attempted to contact the Kohls fraud department, but they were closed, so I called first thing in the morning at XXXX when their department opened. I spoke with one associate to mark this transaction as fraudulent, and called again to confirm with a different associate that the transaction had been marked correctly. However, several weeks later, the charge is still on my account and it seems I will be responsible for the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This Debt collection company has reported a negative credit report to XXXX, in which does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: In the   XXXX   of    1998  I graduated from  XXXX  my loan total was about {$6000.00}. I have made years of payments to  XXXX   XXXX  and then years of payments to Navient and yet my balance is over {$6000.00}. I have contacted both companies and no one can tell me what is going on, it has been almost 20 years and my balance is still the same. This is my first step before I try and contact attorneys involved in lawsuits against them. For years I was making payments of {$120.00} a month but as it has been 20 years i now longer have these records.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Message sent to CMRE : I had received a call from CMRE and missed the call. I returned the call and got on the call with an EXTREMELY rude person who insisted that I need to pay bills for XXXX of my family members from as far back as 4 years ago. She continued to interrupt me when I tried asking what the bills were for and why I was just now hearing about them missing payment. I asked several times for her to send me documentation as to what the bills were for and from what doctors, so I could do my research and confirm that they had not already been paid. She told me I could refer to my EOB ( remind you some of these were from 4 years ago ). The most recent charge was from XXXX 2015, which I explained was currently under " audit '' from XXXX XXXX XXXX and I would not be paying that since we had already reached our " out of pocket maximum '' and that I could not pay that until the audit is complete. I feel as though I was being BULLIED to make a payment with no further explanation or back up information. 

If I was one of the doctors offices that you were representing and this had been outstanding for 4 years, I would not be impressed since this is the 1st time that I recall having received a call from this company. I have never had an issue with paying my bills, but I will not just arbitrarily pay something that someone " SAYS '' I owe without any documentation/information. 

I understand that you have a tough business, but rather than treat every person that you call like a POS and try to bully them into paying you and making you go away, you might want to consider trying the kind ( you get further with honey than you do with vinegar ) approach. Maybe I just received a call from someone that was having a bad day or that was not properly trained, in that case please feel free to have SOMEONE ELSE call me back to further discuss. Or, if this is your common way of handling business, please be sure to understand that I WILL find out what doctors use your service and make a formal complaint about the way that you " handle '' your customer service, by not making contact for 4 years and then when you do finally make contact, you try to bully them into immediate payment without providing further information.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 sent this company a letter disputing several incorrectly reported items on my credit report. Correspondence dated XXXX XXXX, 2017, informed them of the accuracies and violations of the FCRA resulting from their negligence and none compliance. There had been inaccurate and incomplete information from the account opened date, closed date, payment history, balance and the highest balance being reported. There are even items that have been removed from the other credit repositories that this company did not. What documents did you use in your investigation? I definitely need a copy of that. The verifying documents that only this company was able to acquire or was only provided to this company. Why and how this company was able to acquire those documents and verify these pieces of information is a mystery since other bureaus are not able to. This obviously looks like a violation of FCRA, Please see attached copies of the letter I am mailing them again.

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 05-04-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On   XXXX   XXXX  , 2017, my d ebit card at  TD Ban k was compromised, and  XXXX  ( a company I have never heard of or interacted with ) withdrew {$370.0 0} ( in  XXXX   separate charges, {$280.00} and {$83.0 0} ), causing me t o incur {$100.00} in overdraft fees.     While the charges were pending, I went to my lo cal TD Ba nk branch and froze my card. I was told I could n't file a complaint until the charges were processed and my money was withdrawn. I waite d 24 hours to  lose my money, and then returned to the bank.     I filed a complaint with an employee that day at the local branch, or so I thought. Tod ay,  XX/XX/XXXX  , I emailed TD Customer service to see why this claim, said to only take 10 days, had not gone through. They reported, and the local branch corroborated, that no dispute had ever been filed. This is an egregious example of customer " service. '' As a struggling college student, losing all the money in my account has caused me to gre at stress and forc ed me to alter my lifestyle, eating less and spending nothing, and apparently, all for naught.     This is a terrible example of banking and account security, and I fully expect to be compensated for my losses. Unless  TD Bank   makes a serious effort to rectify their mistakes, they will have lose a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I am a victim of fraud as of XX/XX/XXXX. Needed to contact Transunion to 'freeze ' my credit and went to their website where they asked for my social security number. The page had https canceled out so the site was n't secure. Went back today and the url had https until I refreshed a few times and then it went back to http. Looks like they have a server that is insecure which is jokable since this is a site to report fraud. Once you are on the insecure server you can not get back onto a secure one. 

example : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: a representative of XXXX XXXX at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by HH Gregg the representative advised XXXX XXXX that HH Gregg is reporting it and so are they. My next step will to seek legal counsel regarding the practices of 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 01/26/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Attached/enclosed is proof that Equifax is reporting XXXX items that are ten ( 10 ) years and six, ( 6 ) months old. Equifax has, on several occasions, failed to remove these XXXX XXXX XXXX XXXX accounts from my credit report. Equifax 's own report shows these accounts were closed XXXX and they still remain on my report. These accounts have been removed from ALL other Credit Reporting Bureaus. Proof that Equifax is reporting incorrectly.

Company response to consumer: Closed with explanation