milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection '', I was repeatably told by a supervisor this was " not possible ''. Frankly, this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's ), various transactions settled on strange dates for whatever reason. Additionally, CitiBank charges a {$34.00} Returned Check Fee which is in violation of State Law. The maximum amount in Illinois and Michigan is {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: contacted Experian by mail XX/XX/XXXX about disputing a Bankruptcy on my credit report. They sent me the results on XX/XX/XXXX. I also called Experian on XX/XX/XXXX and spoke with XXXX XXXX he informed me that there verification for public records is through a third party company which is XXXX that the courts use. At first he said I would have to contact the courts after further questions he finally gave me the company name that they use. I then informed him that i have contacted the company that they use and they could not verify the information, and also XXXX uses XXXX and they could not verify the information as you can see i have attached documentation to support.

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 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Overlimit fee

Complaint: In XXXX 2016 was charged an over limit fee on XXXX of our business credit cards held with Wells Fargo. I spoke with someone directly at my branch asking if there was a way I can instead just have transactions declined instead of the over limit fee being automatically applied. I was told this was not an option. I have been charged {$39.00} for going over the limit a few times since, and after XXXX in XXXX I called to speak with someone and again was told there was no option to opt out of over limit fees. However, this is contradictory to information I have read on this site that states Consumers must " opt in '' to over-limit fees. Those who opt out will have their transactions rejected if they exceed their credit limits, thus avoiding over-limit fees. I would like to know why Wells Fargo is NOT allowing for this option. ( They did refund the fee charged in XXXX ). So far this year, including the XXXX charge, this XXXX card has been charged {$190.00} for going over the limit, {$39.00} each time. I would also like to confirm that the fee can not exceed the amount that has actually gone over the limit, as also stated on this website.

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 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is using a local area code to trick people into believing it is a local call. After XXXX such occasion after I missed a call by them, I called the number back to find out who it was, and it was a doctor in XXXX, Ohio. They are using spoofing practices to avoid blocked numbers and continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion has allowed yet again, a company to reattach the same debt that was previously removed by relisting it as an open account then immediately sending it too " new collections '' after.

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 12/30/2016 about Debt collection (I do not know) with Radius Global Solutions LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Central Credit Services, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX sent me a debt collection letter for XXXX & XXXX XXXX XXXX XXXX, balance of {$170.00}. This was an erroneous charge of {$140.00} on XXXX/XXXX/2016, on my XXXX XXXX XXXX XXXX credit card, which I contested as a fraud dispute with XXXX XXXX XXXX on XXXX/XXXX/2016, and I cancelled that card. XXXX XXXX XXXX issued me a Visa card with a new number, which has had no erroneous charges since that time.

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 11-03-2016 about Student loan (Federal student loan servicing) with Quick Debt Services LLC (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received a letter from the Assigned Department Document Service Center stating that they could help me consolidate my student loans. I called them and gave them my personal information in order to see what options were available to me. I spoke with XXXX XXXX. She offered me many options and then requested that there would be a fee associated with consolidating my loans. I gave her my personal checking account info but towards the end of the call felt very uneasy and asked to cancel the entire transaction. She got very angry with me and did not want to talk to me anymore. I asked her to send me an email stating that nothing would be processed and she was very reluctant to do so. I am worried that my information may have been compromised. I called them back and they said that as long as I did not go through the " compliance department '' then nothing would be processed and everything would be cleared in 24 hours. I am very uneasy about this and I am afraid they may charge me anyway. I have already called my bank to put a hold on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt. IC SYSTEMS continues to report it to the credit bureaus.

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 03-06-2016 about Debt collection (Medical) with Sarma (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company refuses to provide me verification and validation of debt. I am disputing this debt because i do not owe it. I have never been to this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I recently opened a bank account at Regions Bank in XXXX Georgia. My initial deposit was a cashier 's check from XXXX XXXX. I was told there would be a hold on funds being a new account ; understandable. However, the banking associate told me after processing that because it was a cashiers 's check, funds would be available the next day on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX to deposit another check from XXXX XXXX. At that time I was told I had a negative balance and a hold was placed on the check. That afternoon I received XXXX pieces of correspondence from Regions. XXXX was my check card, the other a letter informing me " We have confidential information that indicates that the check may not be paid. '' XXXX direct ) the funds were to be made available on XX/XX/XXXX. All money that was originally released to me was held by the bank to cover the opening deposit in my savings account, which I was required to open. I have not seen one penny of my money and it has been nine days since I opened the account. When I tried to withdraw money today, they told me my account was frozen. No date was given when funds would be available. The manager told me that the fraud monitoring dept. placed the hold and being Saturday nothing could be done. I would like to have access to my money and close my account and take my business elsewhere. My card was also cancelled because I have not used it yet and my pin number was changed without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The second number is XXXX XXXX XXXX sent letter to all creditors I am XXXX ca n't work its beign 2 years, also advised by phone early part of XXXX to cease and desist all calls to all numbers and relatives by mail only I have no income! Portfolio recovery broke the law FDCPA. They some how got my pre paid cell and my daughters home. Numbers under my name they continue to call herass. I have all phone records! I will seek legal action against company for breaking law. And the collectors not following my. Wishes mI am very ill unable to work living off XXXX and my boyfriendHelp. I wrote letters to the original creditors verbally told. Portfolio recovery cease and desist they continue today I got another call a lout XXXX pacific time and phone records can be providedI have no choice but to file legal action breaking the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax for the 4th year in a row is producing the message : " online delivery unavailable - mail in request '' when requesting my annual free credit report. I have no problem accessing/receiving my report from XXXX XXXX or XXXX. I have no freeze on my credit. I was not prompted to answer any questions on the annualcreditreport.com site when making the request from Equifax, I was prompted to enter the last XXXX of my ss # then I received the above message. I do not want to mail in the report form because it contains personal information - no one mails ss # 's or other info any more & I dont want to receive my report by mail. XXXX is deliberately refusing the online report as they are required to do. There is no way of contacting them by phone, they have no capability to create a profile & contact them online or by phone as XXXX XXXX & XXXX both provide. Equifax is not living up to the requirements outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I would never bank with chase and I advise anyone else to do the same I had a dispute with XXXX the lady at chase told me what I could dispute and what I could n't so I did what she said so a month latter there is XXXX dollars taken out of my account I go to chase to find out the problem they called the department that handles fraud the guy said the dates I disputed was not in the time allowed but the chase persons told me what dates I could dispute then he told me they took XXXX dollars out of my account and gave it to XXXX the said they send me an e-mail did n't get it they said they sent me letter did n't get it is asked did u call me he said no then he said u have to go to XXXX to get your money back its XXXX XXXX XXXX go 's a long way for my daughter but chase did n't care so I closed my account if anybody is thinking of banking with chase do n't do it they do n't care about the person just the account there business practices and customer service is horrible I ca n't stress enough if u want to have a trusting relationship with the people u I trust your money to and when they make a mistake with your money they try to help solve the problem not you have to go to the people we gave it to to get your money back Do Not bank At Chase My wife banks at XXXX XXXX XXXX she has never had a problem like this I will tell anybody who will listen if u want a bank to trust with your business DO NOT BANK AT CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has been increasing my payments and interest rate monthly, It is very hard for me to keep paying when the installments increase without notice and by huge amounts. I called and asked for the paperwork to file a complaint and claim as part of the lawsuit, but have n't received any information from you. The call center rep told me that I would have the paperwork within 3 weeks. It has been 2 months. Please let me know how I file a claim and complaint against Navient. It is a shame they are doing this and has to stop! I would like some of my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: On XX/XX/XXXX I sent Trans Union and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XX/XX/XXXX-XX/XX/XXXX 3.XXXX-XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

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 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Other transaction issues

Complaint: Set up a online money transfer with western union to be sent to an account in XXXX. Western union had my authorization to take money out of my checking account electronically which they did right away. However, the account number at the receiving bank in XXXX was incorrect due to which the bank in XXXX declined to accept the money. I received an email right back from western union on XXXX XXXX 2015 that the money would be refunded to my checking account due to the aforementioned reason. Its XXXX XXXX 2015 and the money has still not been returned to my account. My bank in the XXXX has been notified about this issue. I have called up western union 4 times. Each time there was a different response. XXXX representative even told me that the bank in XXXX is delaying the transfer. I do not understand how this is possible if the receiving bank declined to accept the money transfer. I feel it is pretty irresponsible on their part to dis regard my enquiries and also not return my money. The transaction is tracked with western union by the XXXX number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Not my Loan ' do n't know the person!

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 02/13/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Hi, XXXX replaced the roof of my house and put cost on a credit card. The work is not done ( incomplete ) and I contacted the number on the statement for a dispute, and I was told that they are unable to help me with the dispute.

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 06/19/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (WA).
Issue: Managing the loan or lease

Complaint: I applied and was approved for credit ( XXXX ) at Ashley Furniture in XX/XX/XXXX. I cancelled the account due to non-delivery in XX/XX/XXXX. Then this month ( XX/XX/XXXX ) received a letter saying that someone had tried to run my credit at Ashley Furniture on XXXX XXXX from Synchrony Bank. I was nowhere near there that day ( at work at a conference in XXXX WA all day ). 

The only way this was done was someone walked in saying they were me and no one asked them for an ID or was working in cahoots with that person to steal or XXXX of the employees there ran my credit on their own. 

I called and spoke to XXXX, a so-called manager and she was absolutely no help. she acted as if it were nothing, asking me if I called the bank. 

I have an email from another stating that she closed my account in XXXX. 

I was denied a home equity loan because of this and plan on going to the fullest extent of the law with this. I curse the day I ever stepped into that hellhole! They are the worst!!

Company response to consumer: Closed with non-monetary relief