milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I was charged an overdraft fee on my checking account when it was not overdrawn. I also do not have overdraft protection. I called the bank to have it removed and they refused to even though my account was never overdrawn. This bank has very aggressive practices with regard to overdraft. They said the fee was for a pending transaction that had not been presented to my account for payment yet. This is one of the most ridiculous things I have ever heard. I have an attatchment of the exerp of my statement that contains the questionable practice by this bank. In it you will see that my account is never overdrawn except for when the fee was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I made a {$57.00} purchase in XXXX 2016 with a Citibank credit card. The balance prior to this purchase had been XXXX for several months. I did not receive a statement reflecting this charge even though my address was correct on file with the company. I realized I had not received a statement and went online to pay the balance on XXXX/XXXX/2016. I requested the late fee be waived. I have good standing with all my credit. I was told to request it through the online email on the Citibank site which I did. When I did not receive an answer I spoke to a representative on XXXX/XXXX/2016. I was told it could not be waived. I requested the account be closed. I was told by the representative that no further fees or charges would be made to the account. Since that time an additional {$25.00} late fee and another {$37.00} late fee was made to the account. This brought the balance {$89.00} which included interest fees on a {$57.00} charge that was paid. It has taken several phone calls and requesting to speak with supervisors to get any resolution. I was told they would only waive the {$37.00} late fee the most recent if I would pay the balance by the end of this month. I have therefore paid {$50.00} plus interest of {$2.00} to get them to close the account permanent as original asked and told would happen. I am currently hoping that this has actually taken placed as promised. I am appalled that a credit card company can continue to make late charges on late charges when the purchase has been paid and account requested to be closed to prevent further late charges. I was told by the supervisor that the late fees would continue to accrue regardless of my complaint or request to close the account regardless of what the representative that closed the account said.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure their servers well enough to stop me from being a possible victim of identity theft. I will have to spend the rest of my life meticulously checking my credit reports every week because my SSN and personal information I can not change are on the internet due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion refuses to remove fraudulent inquiries from my credit report!

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 05/23/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint in some time ago regarding monthly maintenance fees which went unresolved. As a result, in XXXX, through my online banking, I submitted an electronic message to BBT to close my account and send me a check or bill for money owed on the account. They failed to do so. Ultimately, the bank continued to charge my account maintenance fees despite my request to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was notified by a family friend that this person called him and said that it was important that I get in touch with them. When I called it was Dynamic Recovery Solutions and I have NEVER received any call letter or any direct communication from this company regarding a debt that supposedly owe to them. I think they are using embarrassing tactics to get people to call them by calling friends and family members, really? this is invasion of privacy. In, addition to the fact that they have not sent me any communication notifying of my rights regarding this supposed debt that I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: So at XXXX I received an incoming cal on my cell from ( XXXX ) XXXX  the female on the phone Identified herself as being with Checksmart Corporate office. I don't believe she even provided her name. But she did verify my personal information for her. The call started fine but when I advised her that I would not be able to pay anything by the end of the month she started to raise her voice in what I could only describe as frustration. She advised in a punitive way that calls would continue, advised judgment and wage garnishment. I advised her that I would like the address to send a Cease and Desist letter she advised I couldn't do that because customer service was the only department that could do that. I advised her that I would like to speak with a manager at which she acknowledged and then I can only assume she hung up. I called from my cell at XXXX XXXX to the number ( XXXX ) XXXX and I got the same female I had spoken with earlier which she only identified herself as corporate office and never identified herself. I advised that I didn't appreciate being hung up on at which she responded that she had mistakenly disconnected the call. I advised her that she works on the phones for a living you think you would not have that problem. To which she responded angrily and I had at this point asked for a manger a few times and she hung up on me again. I called again from my cell to the number ( XXXX ) XXXX at XXXX XXXX and this time I spoke with a male XXXX who I verified my personal information. I spoke with him about the abusive behavior I experienced with his coworker. He advised he sat next to the female I was having issues with and at that time provided her name as XXXX and proceeded to make the excuse that there has been phone problems. I advised him that I was interested in sending in a Cease and Desist to which he responded with getting it processed immediately. XXXX was very helpful in resolving the Cease and Desist issue in a professional manner.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and 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 02-02-2017 about Credit card () with U.S. BANCORP (PA).
Issue: Other

Complaint: The company Fraudulent information in their response to the last complaint should be reviewed thoroughly. I never had a balance of more that XXXX. The bank has stolen my deposit by charging annual fees, Fraudulent charges, and subsequent charges that was not agreed upon. The bank charges are correct. 

The bank provided different amounts of charges without any evidence. The charges accessed to the account includes fraudulent fees and retro charges for the fraudulent charges. The company credited the Fraudulent to the account, then charged the purchases back to the account. The company would like the cfpb to believe that a {$300.00} credit card accumulated charges of more than {$700.00}. I believe this is a scam to retain the deposit. 

The bank never address the Fraudulent charges that was charged by their employees. The company delayed action in XXXX 2015 with respect to the Fraudulent charges and subsequent fees to avoid or delay prosecution.

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 11/17/2016 about Consumer Loan (Installment loan) with PENTAGON FEDERAL CREDIT UNION (IL).
Issue: Managing the loan or lease

Complaint: I 'm experiencing financial hardship in my family. I have applied for financial hardship with my creditor and I was accepted to the economical hardship program by creditor. Creditor deferred payments for 6 months. After six months, my financial situation has not been changed and I contacted creditor by asking them to extend program due to extremely difficult situation. I do not have any type of income at the present time. I paid creditor partial payment as I was advised to prevent delinquency on my account and reporting derogatory information to consumer reporting agencies. Creditor was harassing me and their collection department demanded from me to make payments. I applied one more time for financial hardship program. The started reporting negative information to credit reporting agencies. They continue demanding from me payments to bring account to current and reporting to credit reporting agencies. I still waiting for their decision with acceptance into financial hardship program. I 'm asking creditor to delete negative information they reported from my credit report and allow me some time to reoccupy in order to resume my normal payments.

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 04/27/2016 about Mortgage (Other mortgage) with Fay Servicing, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I previously was the owner of a property and had a mortgage with Fay Servicing , LLC. In XXXX, XXXX I was granted a Consent Judgement of Foreclosure. I submitted this court document with a letter to the mortgage company in XXXX, XXXX. The company Fay Servicing LLC has continue to report negative information to the credit bureaus up to XXXX XXXX, XXXX. Due to this negative credit reporting, I have been denied a PLUS loan to pay for my child 's college education. I have contacted Fay Servicing LLC to request the negative reporting to stop and for them to send me a letter indicating my current account status which is closed. They will not provide me this information so I can appeal my loan denial.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Chase bank : Claim XXXXI noticed my funds were low on Chase app and is when I seen a large withdrawal on XXXX/XXXX/XXXX for {$200.00} and {$100.00} on XXXX/XXXX/XXXX which is not mine. I called Chase bank on XXXX/XXXX/XXXX, submitted claim for those first two and hung up. Then I started backtracking and seen other smaller amounts and called Chase again and added those to the claim and is when the bank rep and I counted a total of 11 transactions between dates XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for a total of {$1000.00} at the same exact ATM machine, and most took place between XXXX XXXX XXXX. At first it was small amounts so it was n't noticeable, so the last two larger withdrawals is when I took notice. I do n't withdraw cash from a Non ATM because of the steep bank fees. I was given credit for the full {$1000.00} on XXXX/XXXX/XXXX, but they reversed the credit on XXXX/XXXX/XXXX, the reason : because it was done at an ATM machine and my pin was used. I had no idea how this took place being that the my debit check chip card was on me at all times and I do n't give out my pin or write it on my card. I called Chase and was told I would have to prove where I was when transactions were taken out. I can not prove where I was at XXXX XXXX I filed a police report on XXXX/XXXX/XXXX, report # XXXX with Officer XXXX XXXX with the XXXX XXXX CA police dept. I also filled out an Identity Theft Victims Complaint and Affidavit and got it notarized and faxed to Chase on XXXX/XXXX/XXXX. I might also add that the Police Dept. is who explained to me what skimming was since I was unaware this was possible. Chase claims department kept giving me run around and would give me different dates to follow up on my claim since according to their claims rep, they were backed up. As of today, XXXX/XXXX/XXXX, they sent me an email denying my claim again, even after submitting all necessary documents for full investigation. I 've had the same bank account for over 20 years and I have never had anything like this happen. I am saddened and in shock that a bank that I pay fees to every month, does n't care about their clients even when its clear that these withdrawals were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Privacy

Complaint: i called bank of america XX/XX/2017 to make a phone payment on our credit card i was forwarded to a representative who asked me verification questions about my daughter-in-law i stopped him and told him i found that very intrusive and asked to speak to a supervisor 10 min later im still waitng is this for real i find it scary NOT HAPPY still waiting for rep

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's XXXX XXXX in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is held by Chase. Several years ago I inadvertently let my Home owners insurance laps. I soon found a new policy, but Chase issued there own policy in my name and charged me a very high price for a policy that only covers their loss.. When I brought to their attention that I had my own policy, they canceled their policy, but issued another, in my name, RETROACTIVELY!! I refused to pay for it, so they deducted the amount from my next monthly payment and charged me a late fee. They have been listing me as delinquent since then, while holding the remainder of that monthly payment in a fund. I owe about {$200000.00} on a house worth about {$900000.00}, the land value is farr over the loan amount. In 50 years of living in this house, I have never had a home owners claim Can you help PLEASE???

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been working at a 501 ( c ) 3 nonprofit since XX/XX/XXXX. I was n't sure if I would stay long enough for the Public Service Loan Forgiveness program to work for me. But over the years I submitted my paperwork for employment verification and wanted to at least have the option of utilizing the program if I ever did. I submitted my first employment verification form in XX/XX/XXXX. In XX/XX/XXXX I called FedLoan to talk about my repayment plans. I wanted to find the right one for me. The monthly payments were a concern and I remember being told that the lowest monthly payments were {$540.00} of all the plans and that 's the one I went with. For the past 2 years I 've made those payments. I recently submitted a new employment verification form and noticed that there was a place on my online account for " qualified number of payments '' applied towards my loans for the PLSF program. They all said XXXX. So I called to ask why. I was told that I am in a standard repayment plan and not an eligible repayment plan. But if I wanted to change into an income-driven plan now my payments would go down to {$400.00}. That does n't make any sense. Two years ago when I was looking for the lowest monthly plan my husband 's income has increased. My husband has also taken on student loan debt in that time. The lady at FedLoan that I spoke to today said there are notes on my account from XX/XX/XXXX where the rep I spoke to recommended I go into an income-repayment plan. But the only logical reason I can see for doing that would be if my monthly payments would have been lower than the standard plan. And of course I do n't have a recording of that conversation, but I swear that the {$540.00} was the lowest. The next lowest option was around {$700.00}. I feel that I was mislead by the rep I spoke to in XX/XX/XXXX by quoting the wrong monthly payments that forced me to choose the plan that I 'm in to be able to afford the payments. I asked the rep today that she file a complaint with FedLoan for me and have somebody pull that phone call conversation so we can know for sure what was said. I feel duped. I 've made larger payments than I will be going forward once I move into the Income-based plan and none of it is considered eligible for the PSLF program. 

AND ONE MORE THING. FedLoan Servicing makes it nearly impossible for you to know what repayment plan you 're in! It 's not available anywhere online. Nor on the statements. I had to call to ask.

Company response to consumer: Closed with explanation