milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: When I moved from XXXX in XXXX 2015, I set up mail forwarding with USPS. As part of that service I got to select coupons from various companies. I selected XXXX from Citizens Bank which promised to pay me {$200.00} for opening a new account provided I make a certain number of deposits or debit card purchases within a certain time frame. I printed the coupon from USPS and brought it to Citizens Bank when I opened my account. I met the required deposit/debit card terms & waited for the money to be deposited. 

In XXXX 2015 I became concerned that the {$200.00} had not been deposited into my account. I contacted my local branch, and they attempted to help me. Over the course of several months I was passed around to a few different contacts at XXXX local branches ( XXXX teller and XXXX managers ). The final manager I worked with had been speaking to " someone '' in the " back office ''. He would not or could not tell me the name of the person he was speaking with in the " department that deals with offers like this ''. 

I provided the e-mail from USPS confirming this offer was made to me, but Citizens Bank claims they can not " verify my eligibility '' unless I can provide them with the specific coupon code on the coupon I already gave to them ( at the time I opened the account ). The e-mail I provided has a link to print the coupon ( which I did at the time I opened the account ) but now that so much time has passed the link is dead. I did not keep a copy of the coupon, and they will not accept the USPS e-mail confirming the offer was made to me, as proof the offer was made to me. I believe Citizens Bank used this coupon to gain my business with the intention of using any excuse it can to avoid paying the {$200.00}, despite the fact that I met all the terms to be eligible for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit

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 08-07-2015 about Credit reporting () with LEXISNEXIS (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My application with XXXX is denied because credit issueI called XXXX customer service- sales to order XXXX lines and after getting information from me the rep asked me to speak to XXXX finance department and transferred me there while the other rep was on the line too. The XXXX finance rep asked me some questions on my finance and identity ( like my addresses n all ). I replied to all correctly, In addition they asked me my relatives personnel information including their birth date and age and so on. 
finally rep denied me approve service and told me that you no longer allow to apply next 60 days.I was advised to contact credit agency. 
Now I got letter from XXXX and not giving me specific reason for denial my application but ask me to call at Lexis Nexis company, at XXXX. 
I dont know what is this company? Is this a fraud comapny? 
I tried to call customer service three day 's in a raw, all is recording play and no human answer to my call. 
I 'm strongly disputing this decision and would like to know why any company asked me third party personnel information to verify my identity? Why privacy law does not apply to these companies?

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX I secured a loan modification for my mortgage through Ocwen. My first trial period and payment started XXXX. XXXX payment was paid and accepted. XXXX payment was paid and accepted. when I went to make the final trial payment for XXXX my payment was not accepted. I was making payments via XXXX or XXXX. When I called Ocwen in XXXX, with regards to me not being able to make my XXXX mortgage payment I was told that my loan modification had been denied because Ocwen did not receive the sign agreement in a timely manner and because of that Ocwen will not accept any more of my payments. I disagreed with Ocwen stating that my loan modification agreement was n't received on time and that I had proof and receipt of time and date when paper work was sent to Ocwen. I disputed this with Ocwen escalations department with regards to my loan modification and attached copies of signed loan modification agreements which verified receipt of date to Ocwen. I have spoke to XXXX of Ocwen specialist regarding my situation. XXXX of Ocwen representative one whose a supervisor told me that my loan modification effect should have been approved and executed because the loan modification agreements was returned in a timely manner. I have yet to get resolve for this matter. I have been scheduled weekly phone apts with Ocwen since XXXX. Ocwen has continue to lie and give me the run away with my loan modification. Ocwen has did nothing in good faith to resolve this issue. Ocwen has broken so many laws while dealing with my case. Even though I 'm still in dispute with Ocwen regarding n loan modification with no resolved i received paper work from attorney representing Ocwen regarding foreclosure. I have documentations, dates time and witnesses on my be half, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with Franklin Financial  Corporation (WI).
Issue: Managing the loan or lease

Complaint: The issue that I am having with the financial institution is that I have a verbally told them to not contact me at my place of employment XXXX separate occasions and they are still calling my employer also as well as verbally telling them I did draw up a cease-and-desist paper explaining again demanding them to stop contacting me at my job and today, they called my job again and left a detailed message on the voicemail. My boss is writing me up, and is on the verge of ending my employment. Along with that, they have sent a copy of my vehicle title to an unauthorized reference through email, this reference is NOT listed on the loan and therefore I feel it was a gross violation of our privacy policy. Also, a reference I listed has been continuously called and harassed by Franklin Finance, even after telling them the calls need to stop, they still call him.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WA).
Issue: Making/receiving payments, sending money

Complaint: PayPal offers to processes payments with a " Pay without a PayPal account '' ( which has worked in the past ), but choosing it currently requires creating a PayPal account in order to continue. I started at XXXX ( though I doubt this is the only seller affected ) and clicked " Add to cart '', then the " Check out '' button annotated with " Pay without a PayPal account ''. The form then displayed collects payment and address info, but also contains a mandatory " Create your PayPal account '' section at the bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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: Account status incorrect

Complaint: XXXX/XXXX/XXXX XXXX has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. XXXX also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
Experian has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
Experian is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. 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 02-03-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On Friday, XX/XX/XXXX, I tendered payment on my student loan. I was informed that processing the payment would not occur until Monday, XX/XX/XXXX. It was explained to me that Nelnet was unable to accept payment on non-business days. This is a reasonable policy that most business, courts, and other industries follow. Unlike, these other industries Nelnet has decided to continue to toll time against me during the weekend. My due date is Sunday, XX/XX/XXXX. As a result, I was informed that even though I tendered payment two days before my " due date '' I would still be considered late as the payment will not be processed until Monday, XX/XX/XXXX. This policy is counterintuitive and unjust. If a loan processor can't accept payment on the weekend then why do I have a due date on a weekend? The due date should be changed to the next " business '' day. This seems like a policy that is designed to collect late fees and potential harmful to other individuals. I would like the CFPB to investigate the business practices of student loan processors.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage went from {$560.00} to {$700.00}. I was told that it was increased because they escrowed my delinquent taxes. I did not have any delinquent taxes. I was told if I sent a copy of my paid taxes they would refund my money. They only paid the amount due, {$320.00}. I asked if I could simply refund them, which I have. However, I have sent XXXX faxes with a copy of my taxes and asked them to stop the escrow as they said they were escrowing the amounts for next year as well which is why the fee was so high. Plus interest. I have been trying to get in touch with an account manager, who is never in. I leave voice mail messages which are never returned. The first account manager at least talked to me, even if he was lying. But I have had XXXX different managers in the last 6 months and this XXXX is the worst as he never returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MI).
Issue: Managing the loan or lease

Complaint: My vehicle a XXXX Dodge Dart was totaled on XXXX/XXXX/2015. The XXXX insure paid XXXX on XXXX/XXXX/2015 and my Gap insurance paid a total of {$5800.00}. I should of gotten back {$680.00} from Chase bank. Instead the a reporting on my credit report me as being delinquent XXXX. I never got a final bill or itemization even after I requested one several times.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Velocity Portfolio Group (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2016 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For over 4 years, I have been trying to have ACS/XXXX to remove XXXX late delinquencies from all XXXX credit brueaus ( XX/XX/XXXX and XX/XX/XXXX ). Yet, the creditor did n't remove until recently ( XX/XX/XXXX ). I spoke with XXXX XXXX of ACS and he reassured me that he will make sure that the delinquencies are removed as soon as possible. Yet, they are still present on all of the credit bureaus. Even after submitting the documentation to all of the credit bureaus, ACS/XXXX still not honoring their promise to remove the delinquencies. This has caused a major inconvenience with my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Medical) with Affiliated Creditors, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was double covered by blue cross during this visit. I told them to file it to all of my insurance accounts and Then if there was a balance ( which there should n't be ) to Bill me then. They were unhelpful and clearly did not bill my insurance as asked. They wanted to collect money from Me immediately instead of billing my insurance. I can show proof of the insurance and they can not show proof that they filed it to all of my insurance. This is an issue EVERY time I visit this hospital. Furthermore, this collection agency REFUSES to give you the contact information for the company they are collecting for so that you can push to have the issue resolved. This company is very dishonest

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problem with additional add-on products or services

Complaint: Step 1 : What is this complaint about? 
REF : contract nbr XXXX dated XXXX/XXXX/XXXX CONNs XXXX/XXXX/XXXX added Insurance to a {$1100.00} TV purchase for {$130.00} to the {$1300.00} Promissory note conditionally until I provided copy of my Home owners insurance! 

Step 2 : What type of problem are you having? 
and now they will not back it out from loan as promised by salesman in spite of us hand carrying to store copy of Home owners policy in 48 hrs [ have receipt ] Step 3 : What happened? 
Called 4 times to get adjustment reflected on payment book or a revised loan at same terms [ XXXX at 34.04 % = $ XXXX until XXXX XXXX ] but they send me a payment book with the same amount INCLUDING insurance for {$130.00} Step 4 : What company is this complaintabout? 
conn credit corporation, inc. XXXX XXXX XXXX XXXX tx XXXXPhone XXXX corporate phone is XXXX Step 5 : Who are the people involved? 
XXXX purchase date : XXXXXXXX XXXX [ salesman ] successive operators 1. XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  in person face to face at store in XXXX TX 3. XXXX XXXX  at XXXX XXXX XXXX XXXX. XXXX credit dept transferred to cust serv transferred to insurance dept who hanged up on me 5. XXXX : verified loan amount XXXX has not been revised tp {$1100.00} which represents {$130.00} XXXXXXXX interest= {$220.00} potential or intended fraud of the inadvertent or passive customer..

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN has once again badly lowered my credit score. They fixed it back to normal except for XXXX, which they continued to bicker with and blame. XXXX blamed Ocwen. 
Today my XXXX score also dropped drastically from good to bad. OCWEN knows they are preventing me from getting a fair personal loan to pay for my XXXX that are not covered by his insurance. They know they just stopped me from getting a loan to treat termites that I was planning to do next week. They keep causing my credit score to drop drastically as they keep changing how they report my loan. Now they are reporting to XXXX XXXX that it is no longer my loan. They are hurting me and my XXXX son. I have NEVER been late on a loan payment the entire six years I have paid this loan but they keep injuring me and my son anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Account status incorrect

Complaint: XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP 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 07/19/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NE).
Issue: Other

Complaint: I am starting to be harassed by phone for XXXX for my American Express credit card. I want this to terminate from happening. Thanks for looking in to this matter. I am sick and tired of this Bank harassing me for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my XXXX mortgage to Nationstar Mortgage XXXX XXXX. I continued to pay on time every month, but on XXXX XXXX, XXXX I inadvertently discovered that Nationstar had increased my payment by 50 % without notifying me. I learned this when I went to my homeowners insurance website to pay my quarterly bill and discovered that my insurance was paid in full for one year. I then went to the Nationstar website and discovered that they had paid it ( unrequested and without authorization by me ), plus they are now requiring a {$540.00} " cushion '' in my escrow, plus there was an increase in property taxes for XXXX ( the last I was expecting but not the other XXXX amounts ). They averaged this total over only 8 months, increasing my payment from approx {$800.00} to more than {$1200.00} and never notified me, at all, ever. After XXXX reps who were clueless, I spoke with a supervisor in Nationstar escrow dept who kindly requested that this amount be spread over XXXX months, which would increase my payment by " only '' 25 % instead of 50 %. I was told I would receive documentation of our conversation which I have NOT received ; I called back on XXXX/XXXX/XXXX and was told I 'd have an answer by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment for the additional funds that would be required for the XXXX % amount so that my account would be current already when the request is approved. I called again today, XXXX/XXXX/XXXX and was told I 'd have an answer in " a day or XXXX. '' Also today XXXX, I discovered a XXXX/XXXX/XXXX message to me on their website saying they are holding my on-time XXXX payment in suspense because it is not a full payment. This is raising red flags all over the place for me and I wonder if they are trying to get rid of XXXX mortgages for some reason. I understand how escrow works but particularly with the shady and seemingly arbitrary undertakings and no notice to me, I am fearful that Nationstar is trying to create an untenable situation and endanger my homeownership of 10 years.

Company response to consumer: Closed with explanation