milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying for 5 months to make my mortgage payment. When I call they add on additional fees that was not reflected in the statement they mail me. So I then work to get the money call back and they have added more fees. I am now in foreclosure. I called on a Thursday to make a payment in full of around {$5000.00}. They said they could n't tell me exactly how much I owe and I would have to call back on Tuesday. I called back and they had added over {$2000.00} fees in foreclosure fees. They said they had to request those fees from a third party that 's why they could n't tell me how much I owed on the Thursday before when I called. My monthly statement did not reflect these fees either. They stated they do n't have to reflect the fees. So now I owe over {$7000.00}. They will not accept a partial payment. It has been a circle of issues with the payment for around 5 months. I call in to make a payment and they tell me I owe {$1000.00} more due to fees than what is reflected on my statement. Basically, I get my statement in the mail, called the day after I received it and they told me I owed {$810.00} more that what my statement showed. I asked them why was it not reflected on my statement and they say they do n't have to. Every time I call now they will not work with me to collect my payment. They say to call back in a few days. I want to keep my house but they are not allowing me to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: Key Bank is processing debit transactions before credit transactions. In 2013 the CFPB said that the largest banks were processing credits before debits to avoid material losses to their client base. I feel that this process is deceptive, and not fair to their client base. 
Example : Account balance @ Key Bank : {$0.00} Mortgage Coming out @ Key Bank : {$800.00} OD/NSF Fee Assessed @ Key Bank : {$38.00} Direct Deposit going in @ Key Bank : {$1000.00} Ending Balance the next morning : {$160.00} At any other bank you would have {$200.00} because they would have credited your direct deposit before taking your ACH mortgage out. 

Additionally, their systems allow for the mortgage to actually be returned as well if no one is available to manually pay the item with the direct deposit still sitting there. This potentially causes an entirely new set of problems via foreclosure and such.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: Booked several domestic flights for my trip to XXXX using my credit card rewards program, Citibank ThankYou Premier, using their own website that is advertised when accessing the Account. I was assured I 'll get protection from all parties : the agency providing the travel, the Rewards program and the credit card ( as it offer some travel benefits ). 
During the trip, I had an issue with XXXX flight, that was cancelled. 
I tried, for several times, to contact all of the above mentioned providers, using the phone numbers they provided. All numbers were blocked for collect call, contrary to what they advertised. I tried to place collect call through at least XXXX providers : XXXX, XXXX and a local phone operator. All of them informed all numbers were blocked, and I was unable to contact any of them. There was not option to contact them online. The Travel Operator did not reply my twitter message asking for help. 
The numbers provided and called are : Travel partner ( from their confirmation email ) : Outside the U.S., please call collect at XXXX Citibank ( printed in the credit card itself ) : INTL COLLECT : XXXX. 
I spent one hour trying to contact them, got very frustrated with this situation, and was already stressed by the flight cancellation. I returned to the airline counter and was informed I have to deal directly with the travel agency ( credit card/rewards ) since I booked from them. 
I was left without any assistance. 
I have to say I 'm lucky it did n't include a health issue. The credit card claims they provide this and other benefits. I 'm happy I did n't have to rely on them for anything else. 
Anyway, I absolutely regret using Citibank services, and next time I know I have to use my XXXX XXXX XXXX card for all travel related purchases. Citibank is an enormous failure. This is not the first time Citibank disappoints me. When I opened the account, I also had an issue having the card delivered and Citibank did nothing to remedy the situation. 
I need to be partially refunded for this lack of assistance and for the frustration and additional stress it caused. If I 'm not compensated to my satisfaction, I 'll obtain a extract of the call attempts and take it further.

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 03-07-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I made complaints with PNC Bank about my XXXX account that transactions on my account were not being processed at the point of sale and I was not able to manage my finances properly. I received explanations over the phone that were not the same explanations each time I spoke to a different person. I attempted to close the account this month when XXXX transactions were adjusted in my account, which are evidence of my complaints throughout the past 6 months and I also complained PNC was retaliating against me for bringing up my PNC related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I bank with Chase bank. I deposited a check, Chase claimed the check came back NSF, therefore did not credit me the funds and charged me a return check fee. The check was given to me by a family member so I validated whether this was accurate or not, upon speaking to my family member I was told she was sure the funds were there before the check was written and were still there at this point. I told her to call her bank, she did and informed me her bank said they never received the check. I called Chase and the agent kept claiming that per their records the check was NSF and returned, it is worth noting the agent had a bad attitude and was rude. I wound up 3 way calling the bank ( XXXX, so technically not a bank ) and had the agent at XXXX XXXX inform the agent from Chase that they never received the check. The agent from Chase apologized and reversed the returned check fee. While this is an appropriate reaction, I want to know why I deposited a check, Chase bank did not present the check to the maker 's bank and then claimed they did and it came back NSF, when had they presented the check it would have cleared because the funds where there ( I even saw this evidenced ). As an XXXX I can say this is a very serious operational failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Between XX/XX/XXXX and XX/XX/XXXX Bank of America and their business partners, representatives and third party agents have colluded and conspired to defraud of my home and property by circumventing the rules of real estate, mortgages, loans, debt, and contracts. 

Specifically, Bank of America has intentionally withheld material information regarding the true status of my home loan mortgage account AND deliberately set out on a planned course of action to deceive, coerce, defraud, humiliate, and intimidate in their efforts to separate me from my home while pretending to engage in loss mitigation processes for years at a time and receiving monetary assistance from tax payers of the state and federal governments of the United States of America during such a scheme. 

Collusion occurs when two persons or representatives of an entity or organization make an agreement to deceive or mislead another. Such agreements are usually secretive, and involve fraud or gaining an unfair advantage over a third party, competitors, consumers or others with whom they are negotiating. 

A criminal conspiracy exists when two or more people agree to commit almost any unlawful act, then take some action toward its completion. The action taken need not itself be a crime, but it must indicate that those involved in the conspiracy knew of the plan and intended to break the law. One person may be charged with and convicted of both conspiracy and the underlying crime based on the same circumstances. 

104 ) Collusion 105 ) Conspiracy All previously mentioned resolutions are desired and mandatory.

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 08/20/2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Home Equity Loan with Citizens Bank. This was paid off with about {$200.00} extra. 
I contacted Citizens and they said loan was not closed and property was still leaned. They said there would be a {$160.00} charge to record deed. They are claiming they never have been notified to close the loan. If you look at the " Principal Balance '' it is - {$200.00}. The " Total Balance '' is - {$45.00}, a difference of {$160.00}, which means they have their records mixed up. They took the {$160.00} but will not close the account, and issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/XXXX, I had to take out a {$10000.00} loan with XXXX. While I was in school, I was told that I had to make payments, even though I opted out of the option to repay while I was in school. My mother had to pay $ XXXX monthly, because I could not afford the payment, due to me being a college student. Around XX/XX/XXXX/XX/XX/XXXX, I was told that my loan was going to transition from XXXX to Navient. My mother still continued to make payments and I occasionally made payments as well, due to me having a summer job. In XX/XX/XXXX, my loan payments jumped from {$80.00} to {$190.00}. I continuously called Navient, begging them to lower my payments because I can not afford to pay {$190.00}. Representative after representative refused to lower my payments. I have asked for income-driven repayments, Navient told me no. Later that year, Navient cause my credit score to drop XXXX points. I could not get an apartment, because Navient caused a hard inquiry on my credit score. I have recently begged them to lower my payments to {$50.00}, because that 's all I can afford and they still told me no. On XX/XX/XXXX, after calling, harassing and leaving 15 voicemails on my phone, I decided to pick up. XXXX, the representative told me that I need to make a payment or my name was going to go to collections. After I told him that I could not afford to make a payment, he rudely said, " If you work full-time, I do n't understand why you ca n't make a payment. You must make only {$200.00} huh? '' Navient harasses me XXXX. I have blocked over 14 different phone numbers from them, but they still call me from XXXX until XXXX. It 's exhausting. All I want is for payments to be lower, that 's it. They refuse to work with me and I will be grateful if I can get any help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Vehicle lease) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease

Complaint: 2.5 years ago I went to XXXX and leased a van after them telling each month it gets report to the credit bureaus! Well now that my van is almost paid off i went to try to get a newer car and found out they never put one payment on my credit! If they can repo my car if i dont pay and put it on my credit why are they not showing me paying every month on time?

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 12/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other

Complaint: For the last 3 weeks for 3 times each day, Saturday and Sunday as well, Capital one bank has called me and left a voice message about my account. I have told them to stop and they are refusing to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with Automated Collection Services, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A rep from this collection agency constantly called my cell phone on X/X/17.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). 

This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
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: There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached TransUnion screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX 2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the 5th as scheduled. Also attached is a payment ledger from 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 10/19/2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (VA).
Issue: Trouble during payment process

Complaint: New York Community Bank transferred my loan to another servicer XXXX XXXX Mortgage XXXX without providing me adequate notice ( less than 15 days XXXX. When I called XXXX to request more time to access and retrieve my records about Escrow Payments, Insurance Payments, and Annual Interest paid, they were unwilling to help me in any way. They reiterated that in 10 days I will lose all access to their system. The new servicer does not have any of my records yet, and could not promise that they would be in place by XXXX when my XXXX account will become inactive. I asked if they could mail me documentation or allow me to extract my records in PDF format, and XXXX said that they would do nothing for me, and were completely uninterested in speaking with me - eventually, the person on the other end of the phone just went silent and stopped speaking to me. I expressed my concern that this was creating a lot of stress and extra work for me in a very short window, and that I had concerns about my ability to pay my taxes without records to support or dispute a XXXX from the bank - again, complete silence on the other end of the phone. New York Community Bank should not be allowed to treat customer this way - presumably they are transferring my loan because of some benefit to the Bank, so I am suffering for their benefit. I was a model customer, I never made a payment late, or caused any additional costs or concerns for the bank during the life of the loan, and now they are violating the guidelines for a transfer and incurring me additional costs, so they can benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted Experian on SEVERAL occasions regarding a legal name change that they refuse to acknowledge and change on my credit file. Their refusal to change my information is preventing me from obtaining credit or health insurance and is ruining my credit score. I have faxed, mailed and certified mailed my name change decree, new social security card and new state ID card photocopies to them. I have reported the change to all active debt collectors and they have still refused to change my information. I have no control over a creditor 's decision to elect to keep pursuing an old debt in my former name. My student loans are the only debt I have and that creditor does not wish to seek my loan debt using my new name. Equifax has an obligation to change my name now that legal documents have been provided and my new name has been reported. To date they still refuse this change.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called to report several unauthorized inquiries that are on my report from companies I have not applied to for any type of credit and I asked that they be removed and I asked for a fraud alert on my report which they refused to place because I believe these inquiries are a result of fraud. The inquiries are   XXXX   XXXX   (  XXXX  of them ),  XXXX  Bank  XXXX   XXXX  of them ),   XXXX   XXXX   (  XXXX  of them ),  XXXX   XXXX  Bank,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  -  XXXX   XXXX   XXXX , and  XXXX  Bank (  XXXX  of them ). That is a total of   XXXX   unauthorized inquiries and I adked that a fraud alert be placed on my report and they have refused to remove the inquiries and place the fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my 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 01/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from a credit collector and the debt does not belong to me, I never opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my CareCredit Card. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.

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 01-07-2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM XXXX AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A FICO SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: DIVERSIFIED CONSULTANTS INC called me repeatedly from multiple fake phone numbers, never left a message, and did not provide details of the call when I actually answered. I told them repeatedly to stop calling me, and they did not listen.

Company response to consumer: Closed with non-monetary relief