milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was XXXX, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX XXXX, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (UT).
Issue: Account opening, closing, or management

Complaint: I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: To summarize : First Niagara raised my mortgage payment by almost 40 % due to an error in their automation.They may be able to give you more information on their process than I could but as I understand it, they analyze the next year 's taxes to figure out the escrow payment for the next year. 

In XXXX XXXX I received a letter from XXXX that said my payment would be going up to {$1000.00} from {$720.00}. Confused, I ended up reaching out to them for an explanation. I spoke to a very nice person who let me know that they have an automation that projects the next years taxes. The way this automation works is they take the amount of last years city 's taxes and base the payment off of that. The particular city I live in ( XXXX ) had a supplemental bill go out in XXXX. This bill was only {$130.00} ( the first bill was the normal tax bill ) so the analyzed escrow was based off of only {$130.00} when it should have been based off another amount. 

First Niagara claims I should have paid attention to my payment and that this was MY responsibility to catch and figure out. There is now a significant shortage with my escrow which caused my payment to go up. Until I called in, First Niagara offered no alternatives to alleviating the burden of this extra monthly cost. 

My wife and I have an escrow because of all the benefits it has for the consumer and servicer/lender. This was not our error. As of XXXX/XXXX/XXXX, I asked First Niagara for alternatives to my huge increase in payment. I have listed them below : 1. Reduce the shortage by paying a one time lump sum payment ( not odeal since we 're talking about {$2000.00} ) 2. Spread the shortage over a number of months ( 24-48 ) Can you please advise on this matter and let me know if there is any precedent for this? Again, XXXX 's automation caused this issue to happen and they never discovered the issue until I was short. Their response was to send a letter informing me my payment would increase over 30 %. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX, Ocwen ( loan servicer ) denied the loan modification on my account. On XXXX/XXXX/XXXX, I have formally appealed and challenged their decision on loan modification denial. Instead of addressing my appeal, Ocwen elected to start a foreclosure process by filing a Notice Of Defalut ( NOD ) on XXXX/XXXX/XXXX. Ocwen chose to ignore and disregard my appeal and proceeded with foreclosure process. This violates CFPB 's Dual Tracking Rules and California State Homeowner Bill of RIghts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Citibank , N.A . advertised a promotion to open a consumer checking account with a certain dollar amount and receive a cash bonus. Citibank failed to define specific terms of the promotion to its employees and resulted in an apparent deceptive practice bankwide. This practice may have had a negative affect on individuals who receive monthly social security or other government payments. This complaint is not only for the failure to pay the advertised bonus to me but all those who were denied a bonus during the same time period ( XX/XX/XXXX - XX/XX/XXXX ). 

Here is the promotion clause in question : 1 qualifying deposit must post to the new checking account each month for 2 consecutive months after opening the new account This clause has numerous Citibank employee interpretations since it does not state when the 2 consecutive months start. 

Example : New account opened on XX/XX/XXXX and meets all other qualifications. On XX/XX/XXXXgovernment benefits are requested online to be directly deposited into the new Citibank account. Since the government benefits are paid once each month on the first day, the first automatic deposit to the new account will be on XX/XX/XXXX. ( Was not possible to re-direct any sooner as stated by government website ).

Promotion benefit was denied for failure to meet direct deposit for each month. 

Several calls were made to Citibank regarding the denial and each employee had a different viewpoint on the promotion details. I was also told if we pay you, we have to pay all the others we denied for this reason. 

Note : if you look at the promotion on the Citibank website today, it clearly states 60 days for the receipt of the first direct deposit. This was a correction by the Bank and as such, they should pay all those who were denied for their failure to make the earlier promotion clear.

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 06/26/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated, numerous telephone calls leaving messages that important information may be obtained by calling toll free number. No further info is stated. Sounds like a scam and refuse to return call.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with BB&T CORPORATION (KY).
Issue: Problems caused by my funds being low

Complaint: BB & T has overcharged my account {$290.00} this year. I have attached the transaction summary of my account from the BB & T website. I have indicated on it where they have overcharged my account. During XXXX there is an overdraft on XXXX/XXXX/16 and the account was not overdrawn. On XXXX XXXX charged my account and it was n't supposed to. When I complained to BB & T, they told me first to contact the company to see if they would reverse the charge. I did so and XXXX reversed the charges yet I was still charged an overdraft fee. Had the overdraft fee not been taken out on the XXXX for no reason my account would not have been overdraft on the XXXX for the XXXX mobile payment, which I was again charged an overdraft fee for. I should have accumulated 1 overdraft fee on XXXX for the XXXX purchase. This one incident overcharged my account {$150.00}. 
BB & T also keep charging my account a maintenance fee, even though the customer service rep told me when I signed up for an account, once my direct deposit started, it would NOT be charged a maintenance fee. So do to this debit, I again overdraft on this account. I was not charged an overdraft but do not understand why I am still being charged this fee when I have had direct deposit. 
I was charged a correct overdraft fee on XXXX and then in XXXX, I was charged {$8.00} each day even though my account was only overdraft 1 day not 7 days. So this occurrence overcharged my account {$24.00} During the month of XXXX I was charged {$72.00} for overdraft fees yet again my account was NOT overdrawn. I should have been charged 1 overdraft fee on XXXX for the XXXX debit. On this occurrence I was overcharged {$110.00} On XXXX I was charged an overdraft fee and my account was again NOT overdrawn. I should only have been charged an overdraft fee on XXXX for the speedway debit. On this occurrence I was overcharged {$36.00}. 
So in total I have been overcharged {$290.00} this year in overcharges. 
The response given by the BB & T representative did not address the issue over overcharges to my account. It appears all they did was copy and paste from a manual. 
So in total I have been overcharged {$290.00} this year in overcharges. 
Please address each occurrence separately. 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 03/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Other

Complaint: For several years now, I have been working to pay off an American Express card, which I only got because it was the only card to use at XXXX. When I tried to make arrangements, AMEX called in a collection agency, XXXX and XXXX, which took it to court. Eventually we worked out things and the bill was paid, however, I had to agree not to apply for an AMEX card again, which was OK with me. Now for the second time in just a few months, American Express has specifically targeted me to apply for an AMEX card, which would violate my agreement through XXXX. I find this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have tried calling spoke to several reps, XX/XX/XXXX, XXXX certified mail and get no response other then a standard auto reply! It wasnt a SIGNATURE showing I requested the inquiries on my TransUnion report. Please remove the following inquiries, XXXX XXXX reported 3 times XXXX of XXXX XXXX XXXX reported 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 5 times Am rent reported 2 times XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX and XXXX  have deleted ALL inquires!. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this nal goodwill gesture to allow you to correct your erroneous reporting.

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 07/29/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (NV).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a payday loan with Cash Central. Over the last year, I have taken out several loans from them and paid everyone back in full. My situation changed drastically after I took out my last loan. I lost authorization to continue to use the checking account I was using. My checks stopped going into that account as well. I contacted Cash Central to explain to them I no longer had access to that account and see if I had options. I was told " I signed a contract for a single payback, not a long term payback ''. I explained to them my situation again asking for assistance. They told me they would continue to try to charge that account. The owner of that account issued a stop payment on CASH Central through XXXX XXXX using the vendor ID. once cash central was notified of the stop payment, they had offices in other states with different Vendor ID 's attempt to run the payment through generating over {$100.00} in overdraft fees. On XXXX seperate occasions I told CASH Central through their web based assistance option that they no longer had authorization to charge the account on file. They told me I had to call to make that change. I have called twice now and told them verbally the exact same thing and asked for repayment options. Rather than work with me, they lecture me on fiscal responsibility and reiterate that I signed a contract allowing them to charge the account on file untill they are paid in full. Wednesday, I spoke to an agent for approximately 20 minutes explaining to her, yet again, my situation. I told her my intent was to go obtain an pre paid debit card today and call them to begin making payments. She told me, yet again, that they would charge the account on file as they would not accept multiple payments to pay off this loan. I reiterated to her that neither myself, nor cash central had the account holders permission to charge the account. She immediately began talking about " our contract '' again. This morning, I received an email from Cash Central letting me know that I had option available to repay this loan. They sent me this email at XXXX and by XXXX had already tried to charge the account they no longer have authorization to charge. I have now made several attempts to make alternate arraignments to no avail. On each interaction, they talk down to me, they threaten to continue racking up overdraft fees in this account till I pay them and are 100 % unwilling to work with me to resolve this matter. I feel like I now have no other choice but to file this complaint in the hopes that they will stop charging an account they are not authorized to charge any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Struggling to pay mortgage

Complaint: This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. 

Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. 

XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). 
Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. 
Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. 

As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. 

XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. 

Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN 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 07/14/2017 about Debt collection (Medical debt) with TRINITY HOPE ASSOCIATES (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company who I have previously filed a complaint against has absolutely NO CONTRACT with me. I 've never received a notice in the mail, a phone call, or an email in regards to the debt that 's being reported against m y SSN.  Before my initial complaint was filed, no one from the company has ever attempted to contact AT ALL. The only way I knew of the debt is because I recently received copies of my credit report from  XXXX ,  XXXX , and   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company is reporting on a ll  XXXX   credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a late they say one month old and I have no recent lates they are blocking my ability to dispute on line or via telephone requiring me to order a report via us mail then to dispute in which could take 60 90 days to correct their mistake which is costing me credit approvals as again my score reflects a late when there is none

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 02/16/2018 about Student loan (Private student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Citibank misfiled my student loan account for the past 9 years under In School Deferment. This has caused my account to collect interest for 9 years without my knowledge and without Citibank attempting to contact me about a repayment plan. It wasnt until XX/XX/2017 that I was made aware of this situation when I was contacted by XXXX XXXX XXXX. I have since exhausted all of my options in an attempt to rectify the situation and contact someone through Citibank to help me since XXXX XXXX says they cant do anything other than give me account information. I need to be able to speak with someone at Citibank who can help fix my account since it was a mistake on their part having me listed under the wrong status for 9 years. XXXX XXXX had told me that $ XXXX/month payments are all that can be made or else my account will go into default. Seeing as how this is not my fault, and those payments are due to the total amount owed due to 9 years of high accrued interest rates, I need to speak with someone from Citibank as soon as possible. I have been given 6 different phone numbers to call for Citibank and each person just gives me another number to call and says they dont have any information regarding student loans.

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 04-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was bought out by American Education Services recently. I have XXXX loans with them ; XXXX at high interest rate, XXXX at a low interest rate. They intentionally put the extra principal amount toward the cheaper interest rate ; which is now LAW and they are legally breaking the law and STEALING from me. I should not even have to request for them to pay my loans correctly and they are mandating that I set this up with them. How many other people are they legally stealing from? They should be put out of business for this shady practice. Criminals.

Company response to consumer: Closed with non-monetary relief