milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (NV).
Issue: Can't stop charges to bank account

Complaint: I had an outstanding loan of {$200.00} with this company. I was trying to get them on my debt counseling program XX/XX/XXXX. My debt counseling program contacted Cash Central with a proposal and I followed up a few days later with Cash Central. They claimed they never received the fax and took out {$120.00} as repayment for my loan. I kept at my debt counseling company and they told me that Cash Central was on board and I would be paying them {$25.00} a month. I set up the repayment date to be XX/XX/XXXX and shortly afterward, I received an e-mail from Cash Central stating that they would take out {$27.00} on this date. 


I asked my credit counselor if they were actually on board with the program because they were doing an automatic withdrawal on XX/XX/XXXX. She told me that it was up to them to void the ACH. I asked Cash Central to do that and they said that was not neccessary. In lieu of this, I told my credit counseling company not to take out the {$25.00} for XX/XX/XXXX since they were going to do it. 





On XX/XX/XXXX, I received an e-mail that my Cash Central Agreements were now void. Now to my understanding, my credit counseling program was going to make a payment to Cash Central out of this month 's payment. However when I checked my bank account yesterday, XX/XX/XXXX, I found out that I was overdrawn by {$65.00}. Cash Central tried taking out {$110.00} from my account without telling me. I am now in worse of a mess than I was before and I have two payments that are now rejected because of this and my credit rating will suffer. My bank is XXXX and the local office is in XXXX XXXX, NV.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hello, On XXXX XXXX, 2016 I opened up a CitiGold checking account after I had received an offer of XXXX TYPs after opening, funding, and using their Bill Pay service. As of XXXX/XXXX/2016, Citi Bank has closed my account without notification and whilst holding funds of {$30.00} in which they are currently refusing to return to me. 
I asked that Citibank re-open my account and honor the original sign-up agreement via their chat portal on XXXX/XXXX/2016 where they declined my request ( see attachment ). In that conversation, I notified them that my account had {$30.00} in it as of XXXX/XXXX/2016, and yet as of XXXX/XXXX/2016, my balance was missing and my account closed. They stated the monthly account charge took my last {$30.00} and they closed the account immediately after that. My monthly service fee was also due on XXXX/XXXX/2016 since the previous fee was paid out on XXXX/XXXX/2016, meaning they collected the service fee earlier than scheduled in order to close my account by XXXX. 
Furthermore, Citibank stated they closed my account due to inactivity, but that is far from the truth. I 've made at least XXXX transaction each month since opening. Either it be bill payments or payment of the monthly fee to keep the account open until my other assets were ready to be transferred over from an outside brokerage. 
If I am paying the monthly fee to use the account, how can they collect that fee and then close my account immediately? 
Why would they do it days before they were required to pay out the XXXX XXXX points per the agreement when I opened the account? 
I have attached what is still available to me on Citi 's website, but I do n't have access to recent history nor old customer service messages since they closed my account. 
Please assist me. 
Thank you, -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 monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Caliber Loan, I received a modification though Caliber. I was making my monthly mortgage payment by cashier check. But they still foreclosed on my home, of which they recently foreclosed XX/XX/2016 and I was making the monthly mortgage payments. I 'm still living in the property. I received correspondence from XXXX stating they were going to foreclose on my property. I was not given the appropriate XXXX notice that is required by XXXX law prior to the foreclosure sale. It is a misdemeanor not to give the appropriate notice prior to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax originally reported a judgment in XXXX, the statute for reporting expired in XXXX. The original creditor filed a replevin to extend the statue of limitation for collection. The XXXX XXXX Courthouse information is automated and it is stored in there database. Equifax apparently has a system which automatically retrieves this data ; however, this date was for collection only and the information itself is a replication of information reported between XXXX and XXXX ( the statute for reporting has expired ). I notified Equifax and resolve no resolution. I filed a complaint with the XXXX ( XXXX ), still they refused to comply. I requested my attorney to send a kind letter requesting them to comply prior to my need to file a formal law suit in which I will be seeking damages as a result of being turned down for credit. I spoke with XXXX in the Consumer Affairs Department at Equifax on XXXX XXXX. He assured the matter would be taken care of by Tuesday XXXX XXXX. I followed up today, with a person who alleged that his name was XXXX. XXXX stated that there was no supervisor beyond him to speak with and that his department did not have the ability to remove the entry. He went on to say that XXXX had initiated a dispute ( which I informed XXXX not to do as this had been done with no results ). When I asked who I should I contact with authority. He lied and stated that no one else had authority. After I called him on his contradicting information. He stated he could not tell me who had authority. This is insane. If you have had 4 other complaints, I would like to get in contact with those individuals and initiate a Class-Action lawsuit. I hate to have to do that ; however, the company has hired employees who think they can tell consumers anything and that we will go away. I will not go away. Please investigate this company and assist with resolution if at all possible. Thank you kindly. Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with BARCLAYS BANK DELAWARE (NH).
Issue: Billing disputes

Complaint: I fell for a well orchestrated sale pitch by a group called " It 's Just Lunch '' and let them charge {$2800.00} on my Barclays Bank credit card. When I soon realized it was a scam ( 8 days ), I called Barclays Bank to dispute the charge. I mentioned that this company was the subject of a class action suit for scamming others like they did me. Barclays waited 30 days and came back with the lame excuse that they could not take sides in this case and they could not dispute the charge with the merchant. I sent them an email to cancel my card. They turned around and added a {$75.00} annual fee and charged me {$50.00} for a late fee ( 4 days late ) for not making my payment on time. The whole thing cost me {$2900.00}. I can not believe this bank is allowed to operate in our state. I 've spoken with XXXX the Attorney General 's office ( XXXX ) and they are also reviewing the case.

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 04/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Application, originator, mortgage broker

Complaint: I am in process of refinancing a Chase loan. We have had numerous issues, possibly illegal and/or unfair lending practices. The most important grievance is on the day of the closing Chase added a {$1600.00} Principal Reduction charge without any notification in addition they did not have a corresponding reduction in the mortgage amount. I received my last Closing Disclosure on XXXX XXXX and my closing is today XXXX XXXX. In addition, I sent a required check of {$500.00} to them and would like to be reimbursed and they are not responding to emails or calls. There are XXXX instances where charges were added after the initial application and good faith XXXX of which was an appraisal and the subordination fee. Both were waived in the initial good faith but had to be argued to be removed. All of which I have in writing. The loan representative has been fired / removed so he is no longer available. The processor is no longer responding. The processors manager is not responding. I need some assistance recovering the {$500.00} and lodging a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (MD).
Issue: Deposits and withdrawals

Complaint: When my mother passed away recently, I found a C.D. Receipt from XXXX XXXX for a deposit in the amount of {$5000.00}. The deposit was made in my name and the account title bears my name. The deposit was made on XXXX/XXXX/XXXX and was for a 7 month C.D. that was designated to be continually reinvested at maturity ( XXXX/XXXX/XXXX ). 
The FDIC records indicate that XXXX XXXX had the FDIC Certificate # XXXX, and that the bank changed its name to The Chase Manhattan Bank on XXXX/XXXX/XXXX, and then changed its name again to JPMorgan Chase Bank on XXXX/XXXX/XXXX. JPMorgan Chase Bank holds the same FDIC Certificate ( # XXXX ) that XXXX XXXX did. A copy of the FDIC records indicating these changes are attached to this complaint. 
At the suggestion of a very helpful individual in the Consumer Financial Protection Bureau, I investigated the issue by first going to the branch that I used at that time in XXXX. The branch manager said that he was unable to help. I tried to do the same thing at XXXX other branches to no avail. 
Based on the statements of the branch managers, I contacted the Office of the New York XXXX XXXX 's Office of Unclaimed Funds. One account was listed in my name and it was not the XXXX XXXX CD account. A copy of the NY Comptroller 's form is attached to this complaint. 
I then called Customer Service for Retirement Accounts & CDs and was told that the office handles only retirement CDs. I was then referred to the regular consumer call line to make another inquiry ( I had already made at least XXXX inquiries on prior dates with no result ). I explained the situation to all supervisors that I spoke with ( on XXXX/XXXX/XXXX ), and was told ( in quite a rude fashion ) that the bank throws out all records of accounts more than 7 years old and that I had no recourse. It was at this juncture that I contract the Consumer Financial Protection Bureau. I am attaching a scanned version of the original CD XXXX from XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Hello, First of all thanks a lot for having a forum that listens to the customer voice against big banks whose main motive is to make insane amount of money on taxpayers bailout. 
I am writing this complaint against bank of america who have defrauded me to the tune of {$700.00}. I deposited a check in XXXX XXXX from my dad 's XXXX bank account. After a month passed i noticed that the check never cleared. I did n't get any notification from BOA and when i inquired they mentioned that the check did n't clear because the signature did n't match. I looked at my statements and i noticed that they initially cleared the check and gave me the money that i never withdrew ( because i was told its an international check so wait ) but then they took the money away {$700.00} more than they deposited. I was really shocked to see that how can that happen. The check was not mine, it never cleared, it was not my fault and then they charged me {$700.00}. I have been going door to door but BOA does n't care because i am not their multi XXXX dollar corporate client. Please help! 
Here are the detailsThey gave {$7200.00} that i was told to note take out and then took away {$7900.00} - {$610.00} for a check that was not mine or not my fault at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Other fee

Complaint: WELLS FARGO HAS BEEN CHARGING ME EXCESSIVE CREDIT CARD FEES! I HAD A CREDIT DEFENSE PLATINUM INSURANCE PROTECTION PLAN THAT I PAY MONTHLY FOR THAT IS OFFERED WHEN APPLYING FOR A WELLS FARGO CREDIT CARD. THIS INSURANCE PROTECTION PLAN IS SUPPOSE TO TAKE CARE OF THE CREDIT CARD MINIMUM PAYMENT WHEN I AM HOSPITALIZED. I WAS HOSPITLIZED FOR TWO MONTHS AND FILED A CLAIM THROUGH THE CREDIT DEFENSE PLATINUM INSURANCE BUT BECAUSE WELLS FARGO KEEPS CHARGING MORE AND MORE LATE FEES AND HIGH INTEREST FEES AND ALL OF THE OTHER FEES TO MY CREDIT CARD, THE CREDIT DEFENSE PLATINUM INSURANCE STOPPED PAYING MY MINIMUM PAYMENT BECUAUSE THE FEES MADE MY MINIMUM PAYMENT TOO HIGH. MY WELLS FARGO CREDIT CARD HAS BEEN CLOSED FOR MORE THAN A YEAR BUT WELLS FARGO STILL KEEPS CHARGING ME LATE FEES, HIGH INTEREST FEES AND OTHER FEES EVERY MONTH FOR MORE THAN A YEAR EVEN THOUGH I CLOSED THE CARD OVER A YEAR AGO. I HAVE ACCUMULATED MORE THAN {$2000.00} IN LATE FEES AND HIGH INTEREST FEES FROM WELLS FARGO EVEN THOUGH I CLOSED THE CREDIT CARD ACCOUNT MORE THAN A YEAR AGO.

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 01/18/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX used my XXXX contact list to repeatedly call and leave messages for acquaintances, friends/family, ect. I thought it was illegal to use harassment and humiliation tactics for debt collection? It is illegal to repeatedly contact anyone other than me about my debt!!!!! XXXX XXXX what happens when your companys tactics send someone over the edge? I appalled that XXXX has allowed my student loans to be handled by a company that is using illegal practices, including harassment, to collect a student loan debt.

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 05/15/2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least. 
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me. 
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization

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 05/31/2017 about Debt collection (Other debt) with Conn's, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX  and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief