milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: I applied for a Citibank credit card online and was declined. I received a letter stating I already had a card and gave a number to call them. I called the phone number, explained I did NOT have a card, explained that I have and live with my XXXX brother where all of our information is identical except consecutive social security numbers. He does have a card, and it was my idea that perhaps Citibank was getting the information crossed, that he has a card and Citibank was thinking it was me, they directed the call to the fraud department apparently they have more authority to look on the " back end '' of the application process, whatever that means. The fraud department advised that was most likely the issue that the " system '' was thinking my brother and I were the same " input '' on the application system. They advised to try to submit another application and try again, etc, and this process was repeated two more times. The man at the fraud department advised to use a different address for another inquiry so I also tried that and then had that business address show up on the credit report as well. XXXX inquiries are appearing on my credit report now, which is lowering my score. I have a XXXX fico and that 's not the issue, the Citibank system keeps saying a have a card, as explained earlier. I have since this mess tried to dispute the inquiries on my credit report with the credit bureaus, since I should not have them stand due to the mix up and inability of the Citibank system to distinguish there are XXXX different people ( by the way my brother also has XXXX fico ). The credit bureaus state that the creditor is verifying as valid, and this is NOT CORRECT and they need to be removed from my report, so please help. It 's not right to have them stay on the credit report as there is some type of glitch at Citibank, and I was advised to keep trying, and since there is no possibility of getting a card and at this point I do n't want one after this fiasco, there should not be any damage to myself on this behalf. I just want to be very clear that my brother is not involved in this in any way, just to explain of the issue of consecutive social security numbers with same last names and same birthdays and same addresses, etc, you see the problem. The dates of the inquiries are XXXX XXXX, XXXX, and XXXX XXXX, XXXX and XXXX XXXX, XXXX. Thank you.

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 06/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with JPMORGAN CHASE & CO. (OH).
Issue: Problem adding money

Complaint: I have an XXXX XXXX account and Chase bank will not update my current balance in my account ... Which leads to it still saying I can not cash out because my balance is too low, which is incorrect now since I just got paid, it 's just chase has n't updated that yet.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (KS).
Issue: Trouble during payment process

Complaint: I have a reverse mortgage with RMS, Reverse Mortgage Solutions, with many addresses, two of which are printed on the monthly statement ( foot of statement address : RMS, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX ). 
On the XX/XX/XXXX statement ( see attached file ) the finance charge was {$170.00} and the XX/XX/XXXX statement ( see attached file ) finance charge was XXXX, an increase of {$41.00} in interest within 10 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan from speedy cash store XXXX XXXX XXXX 2014 for XXXX payments from my bank acct of XXXX each month total of XXXX I still owe XXXX they say all interest.i was informed today that if I only of principle to lower ant owed I still would pay interest on daily owed plus the XXXX each month this is double interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.

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 12/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Problems caused by my funds being low

Complaint: Chase have been charging me too many overdraft fee and are very inconsistent on how they do it. They even charged me for overdraft for transferring money from my checking to savings even though there 's enough money when I did the transaction. Some charges they would pay and charge me overdraft for it then decline the charge after a few leaving me to pay extra fees to the other company because of declined payment. They take over {$400.00} of overdraft on my account almost every month!, they would even change the order of my transactions from highest to lowest so I could have more nsf fees at the end. What a scam!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had my debit card compromised staring on  XXXX   XXXX   2017 . Reported it on Sunday with Chase bank. Followed their procedures, and it affected my son as well as he was linked to my account. We shut the accounts down and I went to the branch 2 times. And was promised the money withi n 12 hours on the recorded lines with Chase Fraud.  I escalated again tonight. And still got the same scripted information from reps from  XXXX . This is a complete. Injustice to keep my money when my debit card was hacked. I had physical possession of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been disputing these inquiries since at least XX/XX/2017 I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to TransUnion they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
. I have sent to TransUnion their required information they requested to have the inquiries removed from my previous dispute, and still they are on my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, 2017, XXXX XXXX XXXX, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Other transaction issues

Complaint: I sent money to my brother, utilizing XXXX Surepay through my Wells Fargo account. The system utilizes the recipient 's email and is supposed to send the recipient a notification on how to get the funds into their account. I can not see the destination account. My brother says he got the email, but after following the instructions he could not retrieve the funds. The amount was {$400.00} and this was done on XX/XX/2016. Since he could not retrieve it, I asked Wells Fargo to restore the funds to my account. XXXX claimed they could not do that. So, the funds are not in my account, nor are they in my brother 's account. No one at XXXX seems to know where the funds are or how to reverse the transfer. I sent a letter to XXXX in the XXXX Mail on XX/XX/2016 and have received NO response. XXXX attached. 
How can I get these funds returned?

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on me.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/XXXX/XXXX, i sent a letter to Equifax for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This is the second year I have problems getting my credit report from Equifax. I got my credit report without problems from XXXX and XXXX but Equifax is asking security questions that are not related to my, with wrong information, making it impossible for me to access my credit report, they claim I have a store card witch I do n't have, this is not the first time I have problems with Equifax. They are requesting me to send a form and copy of my social security card proof of address etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NJ).
Issue: Shopping for a loan or lease

Complaint: BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account? 
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank took over maintenance of my Amazon Store card. My payment for XXXX was returned by my bank. As soon as I realized this, I immediately paid the amount owed. I received an email from my credit monitor that the account had been closed as of XXXX/XXXX/15. I had just accessed the site and there was no mention of the account being closed. As of today, XXXX/XXXX/2015, there is still no indication the account was closed. I received a letter this week, XXXX/XXXX/15 that the account was closed due to too many returned payments. There was XXXX. I received the letter from Synchrony about the returned payment today, XXXX/XXXX/15. It was written on XXXX/XXXX/15. It does not take XXXX days for a letter to get from XXXX to XXXX. So I received the letter of a closed account before the letter of the returned charge. Looks like someone discovered they forgot to send the returned charge letter so they sent it after the closed account letter. The returned charge letter was sent presorted first class mail so there is no postmark. Meanwhile, I am expected to pay interest and finance charges on a closed account. This company seems to want to collect money without providing any services. I never received anything in writing from this company stating that the account would be closed if there are ANY returned payments. This seems like a very poor excuse to close a customer 's account. Especially if the customer has had the account for a long time with no problems. Writing to them does no good as they stick by their decision and just tell you you can reapply for a new account, but you can only reapply XXXX a year. A condition also not stated in writing. Can you please investigate to see who else they have gotten with this lame excuse and if my account can be reinstated? Maybe they will listen to you, if not to their customers. This company has taken over several of my accounts and thisi practice concerns me..

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Payday loan) with Oakridge Direct Solutions Inc. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A secretary at my job intercepted a phone call from a XXXX XXXX. XXXX XXXX asked to speak to the principle of the school I work in reference to a legal matter regarding me. The secretary simply forwarded the call to me. When she did so, XXXX XXXX repeatedly told me that he was going to come to the school and " remove '' me. He would give me no explanation as to what was happening, where I would be going or why? He simply implied that he was some form of legal person and would have a police officer with him to " remove '' me from my job. Obviously, this scared me to the point of a XXXX XXXX. I had no idea what he was referring to since he would tell me nothing except that he would be arriving with an officer to " remove '' me from my job. I asked if there was someone that I could talk to that could tell me what was happening. At that point, XXXX XXXX gave me XXXX XXXX 's phone number ( XXXX ) and said that I could call him. I called XXXX XXXX and he told me that I was to be charged in Pennsylvania with bouncing checks for defaulting on payments due this company. He proceeded to tell me that I would have XXXX counts. Each count could get me {$1000.00} fine and 30 days in jail unless I made arrangements to pay this debt from 2012 immediately. I explained that I had no money at this time and was still having financial issues. XXXX XXXX said that he would be able to stop XXXX XXXX from coming to my job if I could make a {$200.00} payment the next day and then {$480.00} by the end of month. I expressed my concern that I would not be able to get the money but XXXX XXXX simply told me if it was n't paid, I could choose a different payment arrangement but it would cost me double the amount. I agreed and gave someone my bank card info because I believed that a constable would come to my job and take me away for check charges. Additionally, the only part of the call that I was told was being recorded was the part where I agreed to pay the payments when I was transfered from XXXX XXXX 's extension to another. After calming down and researching on the internet, I realized that XXXX XXXX and XXXX XXXX threatened me and used incorrect information to scare me into paying them immediately, simply adding to my stress and financial difficulties. Additionally, I am not sure that I owe this particular debt. I called XXXX XXXX back around XXXX and told him that I needed a letter of verification but have heard nothing in response. I have had to repeatedly tell " someone '' and fax a letter demanding that they stop contacting my job over the last 6 months. My job does n't allow personal calls at work and they are getting tired of funneling calls regarding my personal financial woes. I do n't know how to stop them from calling my job, speaking to various people regarding my personal business matters ( NOT allowed ) and harassing me in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation