milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with U.S. BANCORP (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On Friday  X/XX/17    I was charged  XXXX  overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of  XXXX  transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault.     After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before.     Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge  XXXX  overdraft fees. At the VERY least, if I was overdrawn because of the  XXXX  gas transaction, that should cause  XXXX  charge and not  XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company.

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 01/26/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: Constant noise from garbage trucks and garbage removal at Citibank on the XXXX XXXX side of the buidling across from XXXX XXXX between XXXX -- XXXX most evenings. Would like to report this noise and have it removed and it is disturbing the residents who live in the surrounding area and buildings on 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 09/30/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Managing the loan or lease

Complaint: In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons. 
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt. 
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can. 
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}. 
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out. 

XXXX XXXX Ph : XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Equifax removed an item off my credit report and reinserted back on there without notifying within 5 days of it being put back on the re. Prime Example  :  XXXX   XXXX  This item was put back on my credit report. This item was an account that was opened due to identity theft. Credit reporting agency has the copy of the police report. The copy stated that I was n't liable for it after i sent them the affidavit and police report, however, Equifax has taken it upon themselves to play judge and jury and reinserted this item. Please find that I 've included all supporting documents.       I 'm requesting a new investigation on the disputed re-insertion account : On  XXXX / XXXX / 17  I discovered  XXXX    XXXX   had been re-inserted into my credit file. You are required to notify me with in five ( 5 ) day s of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.       I plan to file a lawsuit against the creditor for re-inserting the item unde r the Fair Reporting Credit Act ( FRCA ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Medical) with Medical Business Bureau (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this bill was to go through my health insurance. I contacted the company MANY times with NO response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: Capital One denied charges incorrectly stating they were fraudulent. 
Upon first request for information, they advised that a previous charge was potentially fraudulent because they did not receive XXXX ( which is odd, because the charge was swiped and approved ). Then they advised that the charge in question was out of pattern ( which is also odd, because they 've approved transactions at the merchant before ). 
Finally, they decided to cancel my account and could do nothing to assist in continuing the relationship because it was a secured account. This seems in complete violation of good faith negotiation and federal law and would not guarantee any kind of resolution or response to my complaint. Therefore, I felt compelled to file it with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My home of 27 years is being foreclosed on by XXXX, from an IndyMac loan. I wanted to apply for consideration under the settlement agreement DOJ vs XXXX. My loan is being serviced by Ocwen Loan number XXXX the name on the Loan is XXXX XXXX. 
I am trying to sell the home but XXXX gallon in ground oil tank, a 112year old clay tile roof, a 60 year old leaking steam boiler, and an asbestos abatement problem require a six figure investment before a sale could go forward. If there is an application for assistance or consideration I would appreciate your help. My wife and I are both XXXX declared bankruptcy in XX/XX/XXXX due to the mortgage issue with ocwen when they changed the terms of our loan in XX/XX/XXXX not only switching to a libor adjustable rate but the payment options were reneged on. 
Is there a way to apply for consideration under XXXX settlement? 
Ocwen has not been able to help. 
Contacting the bank directly has not gotten any response. 
Thank You XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Transaction issue

Complaint: I have a Macys Credit Card. They have me on electronic statements. I usually go to their credit website once per month - see my statements, and current balances - and pay what is due. To avoid interest - if I purchased furniture - I pay off the minimum due in the length of time allowed for the special purchase. 

The problem is this : for the last week Macy 's credit website is not working. I ca n't see ANYTHING about my credit balance, statement, payments. I ca n't make or schedule a payment. I have a screen shot of the error that occurs. This is happening to everyone - yet Macy 's is NOT being forthright and honest and upfront about it. There is nothing whatsoever on their regular site indicating a problem with the credit site. In fact the error that occurs appears to blame the issue on the customer " an error has occurred - time to call customer service ''. Ridiculous. I finally went into the Macy 's store where I requested a Manager. She was unable to personally get into her Macy 's account on the website either. NO COMMUNICATION WAS SENT TO THE STORE MANAGERS THAT THERE WAS A CREDIT SITE ISSUE. She called Customer service on my behalf and got the runaround - and incorrect information - and what we all get when calling Macy 's customer service. They acted like " what, the credit site is down? ". She refused to give up and told them - YES, the credit site is down. They finally relented - and said - YES, the credit site is down. This is Macys Customer Service? Who the customer is directed to call when receiving the error that the credit site is down? AFTER XXXX DAYS OF BEING DOWN? And they act like it 's news to them? The Store Manager requested that I be put back on paper statements so I could avoid the hassle of the site being down. At first she got the run-around AGAIN from Macy 's Customer Service - they told her they could not do it - and that I had to do it ONLINE AT THE CREDIT SITE. Yes, the credit site that has been DOWN FOR XXXX days. She made it clear how absurd that was - and they finally relented and switched me to paper statements. But this will take several months. So, I have to make a blind payment - without knowing whether the amount is correct for me to avoid interest. I have no idea what I have been charged - what transactions posted to my credit card - nothing. What is the most frustrating is that Macys appears to be hiding this from consumers. Most legitimate banks and stores - post information about their website technical difficulties and downtimes on their site. Macy 's says nothing. After XXXX days - nothing on their site - and I still ca n't get into their credit site. I have gone online and found others who are having the exact same issue. I would not be surprised if Macy 's denies that there is even an issue. If this complaint allows me to attach documents I will show the error screens received when I try and login to the Macy 's credit site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Money was not available when promised

Complaint: My name is XXXX XXXX, on XXXX of XXXX 2016 i transfer the amount of XXXX Us Dollar to my father in XXXX through Money Gram and Today is XXXX of XXXX 2016 and he still not yet received, he went to more than three Money Gram agency they told him there is no transfer under this name, now been tow Days trying to find out whats the problem? the costumer service person keep saying is on hold because of verification when i ask why she said is because of money laundry, i asked what i should do? they said that the receiver need to call the Money Gram office in XXXX to verify his identity, the receiver try to find a contact number he could n't find it and i called 3 times this morning to get costumer service contact number they gave me this XXXX and the other lady gave me this XXXX none of these contact work?! when i ask i wan na cancel the transaction they wont cancel it unless the receiver call and get verified, i ask for a manger so can provide me with more info they refuse to escalate the call to a manager. 
i been sending money through XXXX XXXX for years i never experience such a horrible miserable horrible experience and trashy nasty costumer service, am frustrated angry mad because the person waiting for money for medical propose.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX, GC Services Limited Partnership, charged my card in the amount of {$650.00}. This was a debt associated XXXX. I had given XXXX my card number in XX/XX/XXXX. I never provided this entity with permission to charge my card, was never sent information to dispute the debt and without consent they used a card that XXXX had on file that was expired to charge my card. This behavior resulted in me not being able to pay bills and ended my ability to stay with this financial institution. I tried calling them and was hung up on. They reached beyond the scope of the Fair Debt Collections Practices and made up arbitrary rules. They have refused to respond to my inquires. I was not allowed proper rights in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: My bank had approved me for a car loan and I went with a company who said they would take over the responsibility and roll my payment for Wells Fargo into my new loan with their company. I had the car quite some time before they asked me for more information needed to close the deal and the car and had paid several payments. The deal ended up falling through because the money that my bank approved me for was not enough for what they were asking for the car. I paid on time and thought they were paying on time. I have been marked late multiple times after I have sent paper work showing them the loan my bank had approved me for and how I was doing business with the other company, that took over responsibility for paying my loan. I take pride in paying my bills on time and have disputed information they have reported and instead of looking at the timely payments I 've made in the last two years and seeing something had to have transpired and looking more depth into what has happened they keep brushing it under the rug and not trying to see how they can help resolve the issue. As soon as the loan fell through I took back over the payments and paid the account off in which that is what shows at this time. Not to mention Wells Fargo started trying to charge for some type of card I never had with them and for some reason they could never find information on when asked.

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 01/20/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I worked with a lender called XXXX XXXX, who later sold my mortgage to PennyMacUSA. At the time of loan origination, which was XXXX XXXX XXXX, the escrow balances on the account were XXXX for property taxes, XXXX for HomeOwner 's insurance, and XXXX for PMI. So the escrow amount per month is XXXX. The principal is XXXX and the interest is XXXX for a grand total of XXXX per month for a payment. Fast forward to XXXX, the Homeowner 's insurance went to XXXX per month. I received a bill for XXXX for the new monthly payment. When I contacted PennyMac USA, they claim that a the end of each year from the loan origination date, the escrow has a shortage. 

My take : If I am paying my mortgage every single month including the escrow amounts, then at the end of the year, my escrow should be paid off. This does not seem to be the case and therefore, I need this corrected. I was expecting a XXXX dollar increase per month which made sense to me since I am under the assumption that the escrow modification would have been XXXX which would necessitate the increase in the mortgage payment per month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a private student loan through navient. I've been repaying on my loan for 10 years and the balance has stayed the same. How can I pay on something for 10 years and not even knock out the interest! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I recently bought a home. I went on line to the XXXX reporting agencies for my free credit reports. I found the sites difficult to navigate and before I was through, I had become a member of both XXXX and TransUnion. I was afraid to tamper with the process, so I kept the memberships in effect until now. I was able to terminate my membership with XXXX without difficulty, but have found the TransUnion website to be very opaque about the process. It looks like I have to call a phone number during working hours to be able to terminate my membership. That is not right. I should not have been directed toward membership in the first place, and it should not be difficult to terminate a membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

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