milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (NY).
Issue: Problem with overdraft
Sub-issue: Was signed up for overdraft on card, but don't want to be

Complaint: I Have been with Citibank for many years now and I have called every single time I have gotten an overdraft fee and told them I do not want it and it still happens to steal money from me everytime. If there is not enough money on my account and something tries to take some out it should just be declined I should not be charged {$60.00} extra for something I never asked for and have countless problems about. I woke up with an overdrawn account yesterday was down by XXXX I had to transfer money from my savings and lost {$50.00} to these fees i never asked for just decline my card do not pay for me and charge me extra money that I obviously do not have. And I have called Citibank about it so many times and they continue with the overdrafting fees. I cant handle this anymore please 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 monetary relief
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have been a chase costumer for quite some time with no issues. I recently ( XX/XX/2018 ) got a letter in the mail saying my account is being closed and that I should remove all my money from there. There is no reason in the letter as to why they are doing this. I called them and went to the bank and no one seems to want/able to help me out. They also refuse to give me and reason as to why they are closing my account. They also say that due to this they shut down all my credit cards which never had a late or missed payment ever. Again there is no one to talk to there about this issue either. Seeing as I've never caused Chase any problems with my credit card or bank account I don't see why they are doing this and its very frustrating that when I try to talk to them about it they refuse to give me any help or information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Correspondence was sent to  CapStone Credit Services  on  XXXX / XXXX /   2016 inquiring about a {$380.00} debt reported to  XXXX ,  XXXX  &  XXXX . I requ ested information regarding the facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for CapStone to c ontinue reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Reports of said account is still being reported without being verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I was in XXXX and made a purchase of some jewelry. The merchant charged my credit card for some diamond jewelry. 

When I returned to the US I decided to return the jewelry because the appraisal indicated that the jewelry was defective and over priced. I sent the Jewelry back to the merchant, insured with a returned receipt to be signed, through the US Postal Service. The US Postal Service in XXXX, FL contacted the XXXX Post Office and obtained a signed receipt by XXXX. The receipt also has an official XXXX stamp The US Post Office .has denied my request for compensation so I have appealed to Chase. 

Repeatedly I have requested that Chase Visa give me credit for the purchase. They have refused to help me in this matter. I have a submitted all of the documentation listed above and corresponded with them as follows : 1. Signed receipt for returned merchandise by XXXX from XXXX Post Office. 
2. Confirmation e-mail dated XX/XX/XXXX, that they have received signed for the returned merchandise. 
3. All documentation have be sent to Chase with my request for credit on my account for the merchandise that the merchant has. I DO NOT HAVE ANY MERCHANDISE SO I DO NOT OWE ANY MONEY TO THEM. 
4. XXXX, from Chase in XXXX, FL, has called the dispute department monthly from XX/XX/XXXX through XX/XX/XXXX.I have all of the names of the people XXXX and I have spoken with in the dispute department of Chase Credit Card.. 
5. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and I have an appointment tomorrow again, because I received another bill 6. Copies of everything listed above are available upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My friend worked at the car rental company and charged me a discounted rate and then when he left the company and I was longer renting I received this bill for unknown use

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  and  XXXX  all have my credit report correct.     Equifax is missing 90 % of my accounts and every account on their system is incorrect. I have been complaining to Equifax for 2 years now. They state the companies are not reporting the information. All companies were personally contacted. They all say they follow  US  laws and must report, they are all showing up on credit reports except for Equifax.   Here are the companies Equifax state are not reporting to. ( Even though they show up on all other credit bureaus ) They  are : 1.  XXXX    XXXX   cards  XXXX   XXXX  cards not report ed 2.  XXXX   XXXX  cards x  XXXX  cards  XXXX  shows up with wrong account number and wrong balance and limit information.   3.  XXXX    XXXX  not reported  4 .  XXXX    XXXX   XXXX   loan not reported 5.  XXXX   XXXX  not reported 6  XXXX   XXXX   XXXX   XXXX   not reporte d 7   XXXX   XXXX . not reported  8    XXXX   XXXX   credit card not reported My credit score is approx  XXXX  points lower on Equifax. I have been denied credit 4 times in the last 2 years because of this incorrect information, even though I have notified them o n 3 d ifferent occasions. This has severely caused me economic damage in  XXXX   2017 n ot to mention hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Systems of XXXX Georgia at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX Oregon, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Hello, My situation is as follows : On   XXXX    , I checked my savings account to find that the balance was {$0.00}, and that all the money had been withdrawn. Upon calling the bank, I was told that my account was closed for too many transfers between my savings and checking account. I was told that  3  letters had been sent to me warning me that this would happen. I never received those letters. I was also told that a check would be sent to me by  XXXX  in the amount of {$4600.00}, which was the amount in the account. I told the agent that I could not wait that long because I need to use money in that account and I 'd prefer that a stop payment be put on the check, and to have the money transferred into my checking account or I 'd like to be able to be given the money at a local branch. I was told that that could n't happen. At that point I asked to speak to a supervisor. A supervisor eventually got on the line and said that what I was requesting could n't be done by customer service and that I should be able to get help at a local branch. On  X/14,  I went into a local branch and was told that they could n't put a stop payment on that check because they did n't even have a check number, and that I would probably receive the check by  XXXX .  XXXX  and  XXXX  passed and I did n't receive anything so I called customer service again on  XXXX . I spoke to an agent who said that I should receive the check by   XXXX   and the the other methods I was requesting could n't be done. I requested to speak to a supervisor. The supervisor and I spoke for a while and she said that she would put in a request for the stop payment and for the money to be transferred to my checking account. She said that I should receive the money in my checking account by Monday which was  X/24.   XXXX  passed and I did n't receive anything and I waited to see if the check would come on  XXXX . It did n't come. I called customer service again and asked to speak to a supervisor. A supervisor eventually came on the line and told me that the request for the stop payment and fund transfer to my checking account was denied by the back office. She said that she was going to put in another request further explaining the situation and that she would call me back in  24-48 hrs . At this point, I have no confidence in this being resolved by me speaking to customer service. If submitting this complaint will help me get my issue resolved, I 'd greatly appreciate it.

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 05/22/2015 about Other financial service (Check cashing) with PAY-O-MATIC (WV).
Issue: Fraud or scam

Complaint: Pay-O-Matic cashed XXXX of our checks to a customer without verification. We had stopped payment on the check at the customer 's request. Now, they continually harass me and my company 's management regarding this check.

Company response to consumer: Closed
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.

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 08/24/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Citizens Bank has repeatedly ( betweenXX/XX/XXXXandXX/XX/XXXX ) played " fast and loose '' with the way charges post to my account, having them " clear '' in an order and way in which they are able to collect the most fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Settlement process and costs

Complaint: I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$140000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly XXXX to verify my actual income and stated what it was instead. The current mortgage/note, XXXX XXXX XXXX Bank and also with Bayview loan servicing # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX, my S.S. # is *********** D.O.B. XX/XX/XXXX. XXXX XXXX XXXX Bank and Bayview Loan Servicing XXXX committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (LA).
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 have XXXX loans with Dept of ED/ Navient Lates are being reported for XXXX, XXXX, XXXX of XXXX for XXXX of the loans but not the other XXXX. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Bankruptcy

Complaint: I FILED CHAPTER XXXX AND THE CREDIT CARD COMAPNY CONTINUE TO REPORT INCORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: Due to international travel, had been unable to make payment to Macy 's Credit Card. On finding out on return that it was past due, had called customer service to clear payment. But due to aggressive behavior from customer service representative and my own reaction to it, ended up asking the representative to clear account and close it. It was my impression that after this I was done with the account and dont have to worry about it. But it was suprising that Macy 's continued to send me statements and a balance due was showing up on credit reports that just kept going up. From past experience, had did not expect reasonable reply from Macy 's and hence disputed the charge with experian. Now the result from experian shows a 120 day payment due and no information was provided as to how the fatcts were verified. Having asked Macys to clear the account and close it, donot see any reason why I should be penalized for a mistake made by Macy 's ( represented by XXXX Bank as per dispute result ) who keep charging me long after account had been paid in full and closed. Dispute was submitted to XXXX and Report ID is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Chase Slate  has multiple categories of charges or how credit is used, such as balance transfers, cash advances, purchases, " checks '', etc. Each category can have a different APR.      Chase applies payments to categories based on their own rules. According to my statement, and confirmed by a CSR, payments are applied as follows : 1. Fees 2. Interest 3. Highest APR  balances to lowest APR balances.     I have  XXXX  concerns.     1. The statement does now show how payments are applied to each of these balances. If there is a payment allocation scheme for different balances then statements should show how payments are applied.      2. On  my account, the stated APR for balance transfers is higher than the APR for purchases ; however, my balance transfer was taken under a 0 % for N months offer. It is unclear, and is not stated anywhere I can find, for the purposes of payment allocation, is the APR for balance transfers vs purchases ( and other categories ) considered to be 0 % under the promotion or the higher APR that otherwise applies.     With these  XXXX  issues, I have no idea if my purchases are paid off before my balance transfer with the possibility of the purchase balance being assessed interest until the balance transfer is fully paid or if the purchase balance is paid first.

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. (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through inadequate data protections, Equifax, has allowed mine and millions of others very personal identity data to be leaked. ( Their own site acknowledges that my personal data was likely included in the breach. ) While the breach itself should be investigated and prosecuted. Equifax should bare extraordinary responsibility and fault in this breach, as I as a consumer have no choice in protecting my data from Equifax and other credit agencies themselves, should I wish to participate in the modern economy. 

To make matters more egregious, their recourse is to provide me with a credit monitoring service, which i myself must manually engage, and maintain. And yet still this will not protect my credit and identity. It will simply alert me once the a problem has happen. To do this would, i would need to at minimum freeze my credit, which I must purchase, at my own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there.

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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or aroundXX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXXup until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

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