milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an account with Citizens Bank through the internet and used an electronic check to transfer {$3700.00} on XX/XX/XXXX. OnXX/XX/XXXX my other bank ( XXXX XXXX ) confirmed that they cashed the {$3700.00} check ( attached ). OnXX/XX/XXXX I got a letter from Citizens Bank saying the funds would not be available until XX/XX/. Since they had cashed the check and I needed {$1000.00} down payment for a car lease, I went into the bank to complain. They called fraud prevention who ( I later found out ) not only confirmed the hold and refused to budge, but extended the hold until XX/XX/. I called today and they again confirmed the XX/XX/ hold ( remember, this is a hold on cash that belongs to me, it is no longer a check ) and said the matter had been escalated to the office of the chairman of Citizens Bank. I want to get my money back and cancel my account with Citizens. I'm a consultant between contracts right now and if they don't give that money back my family will be destitute. Please help us! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have for the last XXXX3 years been billed for credit monitoring thru XXXX and equifax. The amount billed to me monthly is XXXX. The score reported thru XXXX and equifax has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my XXXX subscription tonight only to be told by the XXXX rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I refinanced my mortgage with XXXX XXXX who sold my mortgage to Wells Fargo Home Loans. My first payment was due XX/XX/2015. Prior to me refinancing my mortgage, I was on a bi-monthly plan where I was reducing my interest substancially. I decided to continue with the 13 month, bi-monthly mortgage payment. XX/XX/2015 ; I made two monthly payments and subquently XX/XX/XXXX onward I started bi-monthly mortgage payments. After a several months, I received notices from Wells Fargo that I was late in my mortgage payments and I late payments accurred to my account. I called and was to the late payments would be removed and my payments would be adjusted. Another monthly went by and they kept marking my payments as unapplied and charging me a late fee. I called again and was told that I could not do bi-monthly payments on my own. Also, if I wanted to do the bi-monthly payment program to reduce my mortgage balance ; I would have to join Wells Fargo bi-monthly program. So I did to eliminate the problem of late fees and having my payments sit in unapplied funds. After five months of being in the accelerate program ; Wells Fargo has been withdrawing from my checking account and are not applying my payments according to a 13 month accelerated program. They offer a program however they are not enforcing a program they offer and I not reducing my interest and balance according to how an accelerated program should work. I 've participated in a mortgage accelerated program for the last 14 years therefore ; I am aware how it works.

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 10-03-2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (CA).
Issue: Account opening, closing, or management

Complaint: Charles Schwab has illegally interfered with my bank account deposit of {>= $1,000,000}. 

Yesterday we wrote checks against this large deposit. 

My car purchased Sunday ( XXXX XXXX ) on Sunday and wrote a $ XXXX+ to pay for it. 

These stockbrokers should be assessed a {>= $1,000,000} for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX, I opened dispute with Experian regarding inaccurate information on my credit report for a XXXX trade line. In XXXX, the trade-line was deleted. Seven months later the trade line is back on my credit report after it was deleted.

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 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm in the process of trying to get financing for a home and TransUnion will not update my information correctly. They will not include accounts that I am a Authorized user on, on my credit file. They will not report correct balances on credit accounts on my credit file also. I have credit ( available credit ) that is n't being reported and that is causing my file to not show what my available credit is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (FHA mortgage) with Servis One, Inc. ().
Issue: Loan servicing, payments, escrow account

Complaint: I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit line increase/decrease

Complaint: Received a letter today from Synchrony Bank stating that they reviewed my account and decided to lower the credit limit on my Chevron and Texaco Credit Card account to {$1200.00}. My limit was previously {$3000.00} and I 've had this credit card for over 10 years.

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 02-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I had XXXX XXXX events that caused financial XXXX and the cause for me to fall behind on my mortgage payments. I had to take care of a sick relative who moved in with me because of their illness. Her health XXXX and she died. The financial burden of her healthcare and burial put me in a difficult financial position. Shortly after her death, I faced health issues of my own where I had to be XXXX. This further complicated my financial situation. I asked for a loan modification and while I was in XXXX, I missed the acceptance time. I re-applied but my modification was denied. Fortunately, my health has recovered and I am now able to maintain a mortgage payment if allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was informed by XXXX XXXX that they were an authorized XXXX  provider in the XXXX XXXX XXXX XXXX XXXX  Plan. They were listed in the XXXX provider directory as well. I made an appointment for a XXXX XXXX, I paid XXXX XXXX {$140.00} for the procedure. They told me the balance was billed to XXXX. Several months later I received a bill for {$120.00} from XXXX XXXX. They told me XXXX did not pay them so I must pay more. XXXX XXXX informed me that they lied to me and that they were no longer in the plan when the procedure was performed. 
I feel this is a scam, I could have had the work done for {$100.00} at 3 other XXXX providers. 
They have turned this claim over to an agency that has messed up my credit with a phony collection claim. 
I do not have the funds to fight them. 

Thank You for your help

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am unable to get accurate information from My student loan servicing company, Navient. I have made multiple phone calls and spent hours on the phone trying to uncover why my payment reamortized in  XXXX  of  XXXX . In addition, the amount of interest paid to this loan is not inline with my original schedule of payments. I have requested the original loan documents and supporting documentation to calculate the true P & I. I 've been told by customer service at Navient that this information is not available. I have also complained to a supervisor promising that the information would be sent. My phone calls began last year and carried to  XXXX  of  XXXX . At this point, I have given up o n Navient and need support from another agency. Navient  is completely unethical and unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I submitted a dispute for inaccuracies on my credit report with Experian and received my dispute results and a bankruptcy is still reporting on my credit file and it inaccurate. I submitted a claim with BBB and they still sent another dispute result with inaccurate reporting stating the company reported that the information has certified to Experian that the information is accurate and they will not remove it. Per the law passed in XXXX it states the below. 

Not following the Law passed in XXXX XXXX CDIA and NCAP. I have tried to dispute the inaccuracy of my credit file and have not been successful. I have disputed with Experian several times in regards to a public record of a XXXX on my credit file with no verification and no satisfaction. Due to the new law ( CDIA ) that took place on XXXX XXXX, XXXX states New standards for how tax liens, civil judgments and bankruptcies are included in credit reports will go into effect XXXX XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide conumer reporting agencies ( CRAs ) XXXX, Experian and XXXX- to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report : Beginning XXXX XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at, or frequent intervals as follows : Minimum reporting of 1. Name 2. Address, and 3. Social Security Number and or date of birth. Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. They have not once updated any public records or provided any proof or verification this is mine. 

What they have reporting only has the XXXX court information and some identification number which I am not aware of.

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 09/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AR).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Midland Funding has not provided validation that is competent and bears my signature showing that I have or ever had a contractual obligation to pay for the debt that I am being accused of creating.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Checking or savings account (Savings account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX   XXXX ,20 17 i settled with a debt collection agency MIDLAND CREDIT for the amount {$650.00}. They stated to me they will remove this from my credit being th at i have no obligation anymore to this account. It has not been removed states charged off with derogatory marks which is really hurting my score. After being harrased by the company and force to sue me and i settled with them they DID NOT comply as they stated to me as removing the negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a hard inquiry reported on my Transunion credit report from XXXX XXXX XXXX XXXX. My children have savings accounts with this institution but I have no dealing or accounts with this bank.I have not, at any point, authorized any credit inquiry on my behalf from this institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (CT).
Issue: Trouble during payment process

Complaint: We closed on our home XXXX/XXXX/XXXX. At the closing, we paid all of the XXXX real estate taxes. At that time, our loan was through XXXX. In XXXX of XXXX, we received notice that our mortgage had been sold to AmeriHome mortgage XXXX XXXX XXXX XXXX, nj XXXX XXXX. On XXXX XXXX, XXXX, AmeriHome mortgage repaid the 2nd portion of the XXXX real estate tax to the town of XXXX, ct. In XXXX of XXXX, we received a bill stating that our escrow was underfunded, and the mortgage company was raising our monthly payment by $ XXXXmonth. The total monthly payment was {$2400.00}. In XXXX of XXXX, I was completing my taxes, and went onto the town 's website to get my tax information and saw a credit of over {$3500.00}. I called AmeriHome in XXXX, XXXX, XXXX, XXXX and XXXX to explain that : # 1. They had overpaid the RE taxes from XXXX. # 2. They needed to get it refunded. # 3. They had to stop charging me this underfunded escrow charge of $ XXXXmonth because it was not underfunded. After hours on the phone in XXXX, I finally thought I made some headway. They gave me a new monthly payment of {$2200.00} ( still higher than it should have been ) and assured me that they were working on recovering the credit and that was due. In XXXX XXXX, I received another bill for the old amount, but was assured that there was an exception on my account and only to pay the {$2200.00}. This month, instead of calling, I sent in the same {$2200.00} and I received the letter attached. A copy of my next statement is also attached. They made a {$3500.00} error that they have passed on to me for over a year and a half. I ca n't even imagine what would have happened if I were not able to scrape together the extra $ XXXXmonth. I asked them every time I called for follow up or a resolution and have not received any communication. I do n't know where else to turn for help. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I joined  XXXX   XXXX  for a personal trainer, after receiving a personal trainer by the name of  XXXX . We setup payment dates which the money would be taken out on. One week prior to the first payment due, I reached out to  XXXX  to reschedule the first payment.  XXXX  was very understanding and she would let management know about the change.  XXXX  told  XXXX  another personal trainer and  XXXX  said he could change it but he never did.  XXXX  reason for not changing it was because he had personal family issues going on but that is not a good reason not to do your job plus that was unfair to me. So the {$250.00} was taken out of my account and that let me in a bind. The same day the money was taken out, I went up there to get it resolved but they were n't understanding or compliant at all. They said it is what it is and they can not do anything about it in a very rude manner. So I cancelled my membership and they still want me to pay for a gym I stopped attending the same day they refused my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated from college over XXXX XXXX ago and made {$5000.00} in payments and they applied all {$5000.00} towards interest. Here they were charging me XXXX % interest while in school when I was n't required to make payments. Even know I was in school I still tried my best to make payments and all my payments went to interest.

Company response to consumer: Closed with explanation