milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Problems caused by my funds being low

Complaint: I did not have enough in my bank account to cover my ACH {$97.00} insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a {$34.00} NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between XXXX or {$12.00}, which is confusing to me ), which put me overdrawn again. I transferred another {$100.00}. Now I see I have XXXX overdraft fees, for a total of {$68.00} in overdraft fees and {$34.00} in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed but it was n't and then charged a fee to keep it open in the red. I 'm confused, because I know the bank had sent me a packet with new terms ( I 've had this bank 9 years ), but I thought I had to explicitly opt in? 
Which is it? Am I able to be charged both NSF and overdraft on XXXX transaction? Do n't they mean the same? This is n't the XXXX fishy thing that 's ever happened. XXXX they decided, all of a sudden XXXX month with no notice, to start charging {$11.00}, then {$13.00}, then {$12.00} ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said " Oh we did an audit and you 're supposed to be paying {$10.00} for the savings account ''. I then asked why they charged me XXXX different amounts, none of which were {$10.00}, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that XXXX, and I still have no answer besides " an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and XXXX smaller XXXX on previous Friday. They processed the bigger later XXXX and levied a fee on each of the XXXX smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion is reporting closed account that does not belong to me with XXXX. The account is under another persons name and should not be reported on my credit report. Transunion has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through Transunion will not even allow me to dispute any incorrect information through there website or bring up credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called to collect payment on a payment that was not due for 5 more days. The company called my place of employment to reach me prior to trying my personal number. I had not provided my work phone number. In starting the phone call they said that they need to inform me that this was an attempt to collect a debt. I am a customer/account holder for a mortgage this language is commonly used for delinquent accounts not accounts that are current. 
Last month they called before payment was past due to my personal number.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Subject : Response to ClaimIDXXXX, FLC CASE # XXXX, FILE # XXXX, XXXX, Letter dated XX/XX/XXXX + XX/XX/XXXX +CFPB XXXX dated XX/XX/XXXX + # XXXX + Office of the Comptroller # XXXX dated XX/XX/XXXX+ XXXX dated XX/XX/XXXX, CFPB XXXX, Federal Reserve Letter Dated XX/XX/XXXX, FTC # XXXX and USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. 

Dear U.S. Bank, You will be receiving my Official Demand Letter today along with documentation to once again support everything i 'm stating on why U.S. Bank is incorrect, and ask U.S. Bank to provide documentation and evidence to support every statement U.S. Bank has firmly established as grounds to not compensate and reimburse me for my Claim. In addition to me asking once again, U.S. Bank to provide documentation on U.S. Bank 's " Investigation, '' which U.S. Bank has already failed to comply with FCR Laws and Regulations implemented and enforced by the FTC and CFPB for Identity theft victims such as myself. Everything will be explained again in the Documents U.S. Bank will be receiving today from the USPS, with the tracking number listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with LJ Ross Associates (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting phone calls from XXXX but no one says anything when I answer. They just sit there and then hang up. It 's getting annoying especially when its ' multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Cash advance fee

Complaint: I authorized a credit card purchase of {$500.00} through XXXX using my BarClayCard on XXXX XXXX, 2015. I now see that they charged me interest and a cash advance fee for the purchase. This was not a cash advance fee. I believe that because I am using their special promotion of 0 % interest for 2 years, they are trying to get some kind of money out of me. I did not authorize a cash advance on my card and nor would I. They told me I needed to speak to XXXX, which I did on a XXXX call with Barclaycard. XXXX clearly stated that they charged my card as a credit, not cash advance. I believe they should refund my almost {$50.00} worth of fees for this transaction as they can not produce a disclosure stating I would be charged a cash advance fee for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named XXXX XXXX XXXX in XXXX California. I have called to Experian and disputed the information. I also placed a call to XXXX XXXX XXXX on Monday the XX/XX/XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to lower my payments since 2014 with Navient. I have always sent the right information and filled out all forms while on the phone with a Navient representative. Each person I talk to says my information was never received and I get a completely different pay back amount each time. I can not afford {$1300.00} a month to repay these loans. I have tried to explain what I can afford but no one seems to want to help. So instead they always put my loans in deferment. I am now having to pay back loans that originally where {$80000.00} and now are almost {$90000.00}. You can never speak to someone who is willing to help they just simply say you either pay or they will come after you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

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 12-07-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX. 

I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report. 

Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with RMS-Recovery Management Services, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: RMS Recovery Management Systems h as repeatedly called our home number attempting to contact an individual whom we do not know. We have now told them multiple times that the individual the are seeking does not live at our house, nor do we know the individual, yet they keep calling our house and harassing us on at least a weekly basis. I am not certain of the debt they are trying to collect as we do n't have many loans as a family. I will not answer their calls any longer as I feel threatened by this company and need their calls to stop. What can I do to have them stop calling us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Credit decision / Underwriting

Complaint: My boyfriend and I began the mortgage process with Wells Fargo on XXXX XXXX. We had a signed contract with the sellers on XXXX XXXX and our loan officer assured us that this would be completed, at the latest, 45 days so we could give our landlords the requisite 60 day notice on our apartment. On XXXX XXXX he sent out an email to my attorney that all necessary documents had been received along with our commitment letter ( which was dated 5 days prior ). Then on XXXX XXXX he emailed my attorney that he was working on getting the filed cleared so that we could close the following week. To date, we have not closed, we have cancelled XXXX scheduled moves and we have to move out of our apartment at the end of the month because it has been rented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My Credit Report dated XXXX XXXX, 2015 is showing several delinquencies for late payment. These periods are a part of a XXXX modifications. My Bank of America contact person for the modification told me that they are fixing all these once the modification is approved but I still see these payments marked as late. I send a letter to the bank disputing the late payments because I was never late and they send me a letter telling me that the information that they provide to the credit report is accurate and that information is the same as the credit report that I was dispute with them several months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Unsolicited issuance of credit card

Complaint: There 's a credit card in my name that I have no idea about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was astonished when I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 01/30/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: The company LoanCare LLC failed to pay my property taxes in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On the   XXXX   XXXX   XXXX   I reveived a call from an unknown number (  XXXX  ) which has since been discontinued.
The representative on the other end,   XXXX   XXXX   ( working for Premier Student Loan Center ), offered to help reduce my student loan debt by way of consolidation. This service he offered, according to him, requred an enrollment fee of {$220.00} to be made for 4 months on the  XXXX  of each month.
In order to move the consolidation request forward he required my personal information. I was n't able to submit the requested documents before the first payment ( they were submitted on   XXXX   XXXX   ) and I had been charged regardless.
On   XXXX   XXXX   I made attempts to resolve my complaints via phone (   XXXX   ) and email (  XXXX  ). However my efforts proved useless as  XXXX  said they moved my request forward and it is irreversible. I am required to pay the enrollment fees even though they do nothing to pay for my loans.
I also seek advice on how to move forward past this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, XXXX and TransUnion. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

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 04/24/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They were to remove this from my credit and are reporting it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). 

Having never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. 

My loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. 

I was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. 

I have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. 

I understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. 

If the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My direct loan in amt of XXXX was taken overy by XXXX..I lost my job and qualified for deferment. Navient took over my loan but never contacted me to tell me this..when my year deferment was up I contacted XXXX XXXX to see about XXXX deferment and was told navient had my loan. I called and left numerous messages with no call back and last year they took our entire income tax return of over XXXX with no letter or notice. I called dept of student loans and was told my balance was {$7500.00} and was in collection. This was balance after XXXX return was applied. So they are taking my tax return again this year. How can I pay a student loan if no effort was made to tell me who owns the loan? So now I have defaulted loan..and no job and my credit is ruined

Company response to consumer: Closed with explanation