milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Making/receiving payments, sending money

Complaint: Citizens Bank XXXX Headquarters : XXXX Citizens XXXX, XXXX, RI. ) continues to cheat customers by not correcting electronic mistakes. The {$34.00} XXXX they have to pay for shortchanging customers is apparently not enough of an incentive to clean up their act. I made an online transfer from my Citizens Bank checking account to my Citizens Bank XXXX ; the online transfer was scheduled for XXXX XXXX, 2015. Due to technology issues with their vendor that occurred the evening of XXXX XXXX to XXXX XXXX, this transfer failed. When I logged into my online Citizens Bank account to pay a bill, I noticed a " transfer failed alert '' in the Alerts Center XXXX see attached documents ). I rescheduled the payment transfer to take place immediately, which was then past due on account of circumstances out of my control XXXX technology failure at Citizens Bank 's end ). 
I assumed that I would not be charged late fees and interest for the late payment. I was wrong. I opened my billing statement to XXXX I was being charged a {$25.00} late fee, as well as interest of approximately {$60.00}. I find it odd and disturbing that they sent me an immediate alert that my payment transfer from my Citizens Bank checking account to their Citizens Bank credit card failed to go through, yet no alert indicating I would not be charged a late fee and would not be responsible for interest charges. They were aware that my payment failed to process due to a technology issue at their end ; therefore they should have also been aware the late payment would result in erroneous interest charges and fees at my end, yet they failed to communicate this to me. I had to make a phone call to Citizens and was kept on the phone for XXXX minutes waiting for this issue to be resolved. It was finally resolved, but only because I caught the error.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax removed XXXX accounts off my credit report. All accounts were not old and this has effected my credit score. I have attached the credit report with all XXXX accounts. 

XXXX XXXX XXXX account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I check my credit report with XXXX XXXX daily. I recently received a unsecured credit card from XXXX XXXX to build my credit. Today XX/XX/XXXX I checked my credit with Equifax and my credit score went down 19 points. I called Equifax to find out why and the representative could not tell me why. The inquiries I have on my credit report are inquires from last year and there were only 16 total. According to Equifax there have been recent inquiries I am unaware of and I would like to dispute the inquires with Equifax, she told me that she could not file a dispute and that I would have to contact a the lenders that made the inquires. I told her that I only had 16 inquires last year in XX/XX/XXXX not 34. Equifax is cooperating with this complaint. my credit score went from XXXX to XXXX because of this. Please contact Equifax and address this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: This is an urgent matter concerning a loan modification offered via Capital One. Initially I was offered verbally a reduced payoff amount to avoid repossession of vehicle. The same day I recieved a call from body shop that capital one had called to pick up vehicle while during process of the agreement to prevent repossession. Following up with to further discuss ... I was told could no longer do so because vehicle had been sent to auction. Currently, per Capital One XXXX XXXX XXXX the vehicle has not been sold at auction ( which is a dealer only auction not allowing self opportunity to buy from auction ) and info was provide to initiated a loan modification program discussed. Capital One is requesting a good faith payment for normal payment amt to proceed with loan modification process. However, per agent today this amount must be paid before reduced amount finance documents can be sent for agreement. This does not follow with " Truth in lending practices '' and is misleading as I can not verify what I am agreeing to retain the vehicle and improve credit which has been damaged do to these processes. This is an urgent matter as the vehicle could be sold next week as suggested via Capital One if I do not pay said good faith payment in which finance agreement not provided for my review before making payment. This auto loan has been carried/paid at excessively high interest ( about 22 percent ) for nearly 5 years. The initial financed amount was about XXXX in which over XXXX has currently been paid from my behalf. In effort to save vehicle and credit I was interested in loan mod program but the refuse to provide agreement details in writing prior to my good faith payment amount. 

Your urgent assistance regarding this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Student loan (Non-federal student loan) with Rhode Island Student Loan Authority (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: there is a  XXXX   XXXX  with the  DOB   XXXX / XXXX /  XXXX   reported at my old address  XXXX   XXXX   XXXX   XXXX   XXXX  attached to my SS #. this is not me or any family member associated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (VA mortgage) with MIDFIRST BANK (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I had some trouble paying my Midland Mortgage VA loan. After many months Midland agreed to modify my loan in 2011. Every payment I made to Midland after the modification was reported late to the credit bureaus. Midland reported my loan on time only after I completed the modification. There was no language in the modification contract regarding the loan being reported late even if the payments were made on time. Because of this my credit record is destroyed and I ca n't refinance to a lower rate. Midland will not help regarding this matter.

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 03/31/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: My name is XXXX and my lender is Santander Consumer. I have been contacting Santander regarding my vehicle being stolen back in XXXX. Since the vehicle was stolen I continued making payments. However, my insurance company informed me not to make a payment for XXXX because a check was being issued for payment. The insurance adjustor as well as I has contacted Santander regarding the payment still not being applied to the account. Their representatives are stating the payment has not been received ; however it has been confirmed by XXXX that the package was received and signed for over a week ago. I have been harassed by representatives regarding my XXXX payment. I have received nasty calls on my job, left threatening voicemails, and I have been verbally mistreated by supervisors, the insurance department and customer service representatives at this company. I sincerely feel that this is a form of retaliation because I filed a complaint with the BBB. As of today the payment still has not posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Issue # 1 ) I 've requested to receive written communications ... everything is still sent electronically. I want a paper copy of EVERYTHING that happens with this company sent to my home address. Issue # 2 ) I requested a consolidated transaction history of all loans sent to me. I 've requested 5 different times. I have yet received a consolidated history. Issue # 3 ) ... and the most important. I 've called 5 different times to receive an answer and written evidence. A reversal on my account for XX/XX/2016 appears for XXXX but was never refunded. On XX/XX/2016, the same thing occurred. I was told there was some magic transaction that money was returned to the FED. But I 've again and again requested evidence that this was the case. Nothing!!! No written letter. Instead, it 's been some customer service agent reading notes on my account and guessing. It 's {$3200.00} ... I want proof of what happened. Otherwise, I think the company frauded me out of my money! Lastly, why was {$370.00} applied to interest on a payment of {$1100.00} made on XX/XX/2016. I make a monthly payment each month. I would say I make the minimum but I do n't know since I DO N'T RECEIVE THE XXXX STATEMENT!!!! I 'm told there are XXXX different loans and they all do something different and I sent my payment to the wrong address. AGAIN ... .I DO N'T RECEIVE THE XXXX STATEMENT!!!!!! Navient has messed my loan up so badly. I want a full accounting of my payment history on all my accounts. I want a printed copy sent to my home. I want {$3200.00} credited to my account that was stolen. I want all future communications sent to me in writing. I want an summary of the account loan and terms sent to my home. I want an explanation of the amortization schedule and P & I requirements. I want to understand what is happening with my loans. I work for a XXXX ... .I have for 10+ years. This is fraud and trickery abound here!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/XXXX, I received a letter dated XX/XX/2016 from Kohl 's that I had opened a credit card. I did not open any credit cards with this company. I called they and they informed me that an online application had been placed for a credit card in my name. Both were cancelled by Kohl 's, however, the inquiry still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 07/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint against Bank of America. For the third time I have been sent a Mortgage Modification dated XXXX XXXX, XXXX. The modification that was sent doubles my current payment and there was a modification that has been completed, filed and recorded in XXXX County, Florida I have a completed Modification that was recorded XX/XX/XXXX. This is the second time I have filed a complaint against Bank of America for this same issue. I was assured by their Resolution Department earlier this year that the issue had been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them of {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing of {$1200.00} I never owed that much on the card. This is inaccurate all around!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2016 a check was sent to Macy 's to payoff my account. The check was cashed XXXX/XXXX/2016 but never applied. XX/XX/XXXX I telephoned customer service and was instructed to send a copy of the front and back of the check, which was done. On XXXX/XXXX/2016 the money had still not been credited so I sent and email. I was informed the payment had been located and would reflect within 5 days. After 7 days the payment still had not reflected ( in the meantime, I have continued to make additional payments to avoid late charges. ) I was sent an email XXXX/XXXX/2016 that I would have to wait until the next billing cycle which is another month. I have continued to be charged interest and monthly payments throughout this process and am also due a balance since there is now an overpayment of about {$120.00} once they apply the payment.

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 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I XXXX XXXX request that the attached account remove me personally as a user, and that all credit trade line references on XXXX XXXX, XXXX and XXXX, and XXXX if applicable. My husband has passed away, and any collection on this account can only go through his estate. I have no obligation to this debt, and any collection matter can not apply to me personally. I was never a responsible party to this account and my matter only applies to the Fair Credit Reporting Act, and any collection matter applies to the Fair Debt Collection Practices Act. This item must be deleted from my personal credit reports permanently. Please reply through the Consumer Financial Protection Bureau only, and my rights for deletion are within the legal guidelines for add on signers to accounts, and the deletion of said connections. I am not a responsible party and desire to have this account removed permanently. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is incorrectly reporting on my XXXX mortgage. XX/XX/XXXX I filed chapter XXXX and my XXXX was included. XX/XX/XXXX I called to have my XXXX mtg refinanced. XXXX said that it could not be done without refinancing the XXXX. I was underwater at this point and requested HARP info, they said I would not qualify but they would send. Within 2 wks they had " sold my XXXX '' and could not refinance, they then said they " sold '' my XXXX. I had to file bankruptcy in order to keep my home, I could not afford the balloon payment on the XXXX. I found out recently that both are still in fact owned by XXXX but serviced by XXXX. XXXX would not subjugate the XXXX unless paid and would still not guarantee that they would allow a refinance. Now neither XXXX or XXXX is showing my current XXXX mortgage on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE BEEN MADE AWARE THAT SS # XXXX HAS BEEN REPORTED UNDER MY NAME AS WELL DOB WITH : EQUIFAX AND MAYBE THE OTHER CREDIT AGENCY AS WELL. 

I NEED TO GET THIS RESOLVED ASAP AND HAVE IT REMOVED OFF MY CREDIT REPORT. 

I HAVE ATTACHED MY XXXX I USED FROM XXXX RIGHT OUT OF HIGH GRAD. UNTIL XXXX. 

I HAVE ATTACHED MY SS # CARD I USED SINCE XXXX WHEN IT WAS ISSUED BY THE SSA OFFICE. 

MY TAX RETURNS FILED FROM XXXX USED XXXX. 
MY TAX RETURNS FILED FROM XXXX USED MY SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MO).
Issue: Struggling to pay your loan

Complaint: I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had cancelled XXXX phone line XXXX years ago, but kept the line for my daughter to use XXXX. We cancelled this line after paying in full at the beginning of this year. I 've endured numerous phone calls from XXXX XXXX since. I 've been told the XXXX number was on hold due to my being XXXX but had recently been re-activated ( I never have been in the military and never told them this ), and I 've been told I owe everything from {$100.00} to {$16.00} to {$47.00} ; sometimes their reps were rude and aggressive. Every time I called them, I had to wait on hold, sometimes for over an hour, to speak to a service rep. and each time I called I got a different story and a different payment amount. Each time I called, I requested and was promised documentation of the call. Sometimes I requested and was promised an email which of course never arrived despite repeated follow-up calls on my part. XXXX XXXX just kept sending me bills in different amounts as if I 'd never called. Now it appears that XXXX XXXX has engaged the services of Chase Receivables, a XXXX XXXX XXXX in XXXX, CA who have written with a demand for payment. I sent them a request for documentation and received no response. I then sent them a formal dispute of this charge and wish to ensure that my credit rating is not affected negatively. I cancelled my accounts and paid in full, only to have XXXX XXXX continue to attempt collection in various amounts over the course of over 4 months. I simply do not owe them this money and they 're just hounding me until I give up and send them a payment to make them go away. Disgusting way to treat a customer.

Company response to consumer: Closed with explanation