milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Other financial service (Check cashing) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Customer service/Customer relations

Complaint: Received a letter in mail written XXXX XXXX received Citizens XXXX XXXX stating the citizens bank is going to cancel my account as of XXXX XXXX. No reasoning found never bounced a check. Only reason on letter is because they can. Contacted via phone said go branch. I went to XXXX branches did n't know why. I put in XXXX too really disappointed them. After that XXXX said they could can cancel acounts No warnings. Still why she will try to reinstate account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Auto) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.

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 non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After trying multiple times, I can not get my interest lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed these items with Experian since XXXX and they are just now starting to remove the items that do not belong to me. I have also been in touch with the agencies and XXXX and i am not in their system. Everyone is aware that these accounts do not belong to me, yet they are still remaining on my report. XXXX and Experian have removed these items off of my report yet Experian wo n't. I have lost all of the patience that I have. I have filed a lawsuit as of this morning against Experian for the full amount the law allows. From this moment on, I will let my attorneys do the talking. Not to mention that there are addresses on this report that do not belong to me that have never belonged to me and they refuse to remove those as well. I have attached my intent to sue notification that lists all of the accounts that have yet to be removed. This is causing harm to my family financially. I have already filed suit in court as of this morning. They are not operating with the law. They are clearly going against it. I have had enough and now they can speak to my attorney. They only can speak to me when they remove the items.

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 non-monetary relief
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ProCollect is reporting a debt of {$6400.00} which is also tied to a judgment on my credit report. The judgment is only for {$1900.00}. I have contacted ProCollect to try to handle the situation and they are very rude and hang up in my face. I sent of request for validation and XXXX has deleted ProCollect from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted  XXXX  and Early Warning regarding inaccurate information being reported on my consumer reports by them. They asked me to provide proof of my Chapter   XXXX   Bankruptcy filing and discharge and stated that they would remove the negative marks on the consumer reports. I provided these documents several times and even had my attorney contact them and they have not cleared these reports up for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Bank account or service (Other bank product/service) with KEYCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had several IRA accounts that were held by XXXX. In 2013, KeyBank bought these accounts from XXXX. In XXXX of 2013, KeyBank closed these accounts - without my knowledge or permission. They supposedly mailed a check to me and they reported this to the IRS as they are required to do. 

I knew nothing about any of this until I received a bill from the IRS a few months ago, stating that I had unreported income in 2013 and owe them several XXXX dollars. 

KeyBank states that sometime in 2013, prior to them closing my accounts, they mailed a form to me to sign if I wanted to keep my IRA accounts open and active with them. I never received this form. I never received the check KeyBank issued in 2013. I never received a XXXX for submitting with my 2013 taxes from KeyBank. Any XXXX of these items certainly would have raised a flag with me.. 

I have been in contact with KeyBank on a very regular, often daily, basis trying to resolve this issue. They finally researched and agreed that I never received the funds. They are willing to send me a replacement check ( for POST-tax funds, not PRE-tax funds as the accounts were established ) *IF*, and only if, I sign an indemnity form holding them harmless and promise no legal action. This is as far as they are willing to work with me. 

I have attempted to contact XXXX XXXX XXXX XXXX, their Chairman and CEO, for assistance, and she passed my request on to their Executive Support Department. The executive customer support department maintains the same position, that this is solely my problem and that they will issue me a replacement check ( post-tax funds ) if I sign an indemnity form holding Key Bank harmless in all of this. 

Frankly, this is an unacceptable resolution. 

KeyBank is unwilling to : Take any ownership of the mistake they made Take any corrective actions for what they did Provide any documentation to the IRS on my behalf indicating that I did not receive these funds in 2013. 
Correct their mistake and either reopen the accounts or roll these funds into another tax deferred account - funds that they have been in possession of this entire time. 

KeyBank states that they are unable to because it would have to be a new account and IRS contribution limits apply. Frankly, this statement is a bit nonsensical to me. They closed the original accounts without my permission ; they can certainly go back and re-open them, especially since they have been in possession of my funds this entire time. It is really amazing to think that I can be made to pay taxes and penalties on funds that I never received. 

KeyBank needs to, and has the ability to, correct this situation by maintaining my funds in pre-tax status and submit amended and corrected information to the IRS, but they are unwilling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.

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 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Claims Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Have repeatedly advised of payment. See attached. 
Also, pcb email comes back ; " contact us '' page inoperable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors ( XXXX, XXXX XXXX, XXXX / XXXX ) rest all are not recognized and authorized by me. 
So these hard inquiries should be removed from account. 

I tried calling XXXX but they said they wo n't take care of it and can not delete these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing

Complaint: Recently I purchased an item from Williams-Sonoma on-line. Yesterday I received mail telling me I 've been pre-selected for a W-S Visa issued by Barclaycard. I 'm not at all interested ; I already own a Visa card from another financial institution. They offered an opt-out number to stop receiving 'pre-screened '' offers from Barclays and other companies by calling XXXX. When I called, the answering tree message wanted my Social Security number in order to opt out! Even THIS site says not to give out SS # s ( in the instructions ). I 'm angry that in order to NOT receive unwanted solicitations, I need to provide my SS #. This reeks of fraud, or, minimally, unsavory business tactics. Please contact Barclaycard to request they change their demand for a SS # to stop these offers. 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 non-monetary relief
Consumer complaint received 07/24/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Me and my wife were unemployed since XX/XX/XXXX and both got job XX/XX/XXXX. Bank of America, unwilling to help with past due amount of $ XXXX, even we have a equity in the house for over $ 200K and accelerated the loan and filed for foreclosure. They have done the same scam in the past with different home, pushed us chapter XXXX and chapter XXXX bankruptcy and now they are trying to push us in chapter XXXX bankruptcy. The Bank of America ( BofA ), ripping a part of family with XXXX little XXXX XXXX children involved. The BofA, keep changing single point of contact, asking same documents multiple time, accelerated the day we got the job, coming our house, keep taking pictures, sending people, realtors to my house and listed in the court house for foreclosure. The BofA, got lot of federal assistance and unwilling to help XXXX XXXX citizens. We need assistance in modifying past due amount to catch up and please help us in stop the foreclosure & scam of BofA. As we all know US Attorney general sued BofA for irregularities of XXXX XXXX dollars grant by XXXX XXXX US Attorney general. I called making home affordable.gov and various other federal and state agency I see no hope of help to XXXX XXXX citizen family. I can be reached at : XXXX and my email address is : XXXXXXXXXXXX. We need your department help and save XXXX XXXX citizen family kindly. We do not to become homeless, loose life time savings of $ XXXX. The BofA, deliberately ruined our credit by not providing help and assistance even when they federal money sitting in there bank to help american citizen. President Obama, giving money to banks, but the banks are not helping. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have kept contact with  Santander c onsumer Usa company since the very beginning  XXXX   XXXX  about my payments. I noticed that my payment where being applied incorrectly in  XXXX   XXXX  every payment that I made was getting applied only to interest. On  XXXX  the  XXXX  i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on  XXXX   XXXX   XXXX  I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until  XXXX   XXXX ,  XXXX  when i spoke t o rep (   XXXX   ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. (   XXXX   )   XXXX   XXXX ,  XXXX  because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers  XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since  XXXX / XXXX / XXXX  i have called several times  XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called.  XXXX / XXXX / XXXX  i called from coworkers phone and was able to get a Rep. from the presidential dept  XXXX   XXXX   XXXX  who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars  since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status.  Why would it go to charge off, after I paid the balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX XXXX  on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I recently lost our jobs - she is back to work and I am actively seeking employment. We have a mortgage of {$660.00} and can pay the principal and interest. Bank of America, has insisted I pay taxes and insurance as part of my mortgage, which is GREATER than my actual payment. They Built on {$820.00} per month in escrow for overpriced insurance and taxes which we can pay separately. I asked Bank of America to let us pay the mortgage of {$660.00} and they refused and told me to short-sell our property. 
We are being strong-armed by Bank of America to sell our house, which we have lived in for 12 years because they refuse to let us pay the mortgage loan amount. 
We have the money to cover the mortgage without the escrow. The Bank refuses to work with us.

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 09/21/2015 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan has been transferred to Amerihome Mortgage and since the transfer I have had one nightmare after another. I was proactive in signing up for ebilling and auto debit. they missed the first auto debit and then said that they could not auto debit the XXXX payment since I was late on the XXXX. After calling to settle this and authorizing both payments Amerihome failed once again to debit the payments and I had to call again 1 week later to get the mortgage paid. I then received notice of forced placement of insurance but my premium is paid in full through XXXX and they were given the Mortgagee Clause in XXXX but failed to update their own information. This has caused far too much aggravation and their customer service has been less than helpful as they did not have the means to process the payment on XXXX phone call and had to transfer me to the billing department. They state that it takes 2 months to set up an online account which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (MT).
Issue: Credit decision / Underwriting

Complaint: I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Other bank product/service) with PRESTIGE FINANCIAL SERVICES INC (LA).
Issue: Account opening, closing, or management

Complaint: Prestige Financial Services entered inquiries on to my XXXX and XXXX XXXX credit reports without my authorization and when contacted had no record of me and this was linked to id theft .and not authorized by me.

Company response to consumer: Closed with explanation