milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Confusing or missing disclosures

Complaint: On XXXX XXXX, XXXX Citizens Bank received my money via an ACH debit transaction from XXXX XXXX Bank. Citizens Bank did not disclose to me that they received my money, There are no electronic transactions, emails nor phone calls from them to me at all to show that the money even exists, even to this date ( XXXX ) I then called XXXX XXXX to confirm that the transaction did in fact take placeXXXX XXXX gave me a trace number and the date of the transfer. and also told me that the transaction was in fact accepted and not rejected. I then called Citizens bank again on XXXX XXXX, XXXX, and several other times i was told : 1 ) on ( 3 ) different calls that there was a paper check issued for the balance after the debt to citizens was resolved and i should recieve it in 2 to 3 business days 2 ) on 2 different calls i was told there was an electronic transfer that was going to take place with in 2 to 5 days and it has now be 7 the last call ( XXXX XXXX, XXXX ) made to Citizens bank complaint department regarding the entire situation from start to finish only to be rudely dismissed as though my complaint and money do not matter. Citizens Bank has still not given me my funds, as a result of this ridiculous hold, i have now lost my vehicle in XXXX. Had my Car insurance cancelled for non payment. My Credit card which was opened to build credit is now late for the 1st time in 18 months of perfect payment history. and my landlord because i was unable to pay money promised to him for back rent owed is now threatening to evict me. Citizens Bank is aware of all of these details and promised to expedite the process and has not given me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Richland Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know where this credit is being charged for. I have never received services from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act.
Called TransUnion and representative hung phone up on me.

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 06/22/2017 about Mortgage (Conventional home mortgage) with SN SERVICING CORPORATION (WY).
Issue: Trouble during payment process

Complaint: SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.

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 03-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : 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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.

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 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Metro Collection Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex husband and I rented a house in XX/XX/XXXX. At the end of the year I signed off of the lease and my ex signed a new lease in XX/XX/XXXX. He accrued many charges for damages and nonpayment. The landlord submitted the debt to a debt collector who in turn reported it to MY XXXX report. I asked for proof and he sent only the list of charges and the lease I had signed in XX/XX/XXXX, which was not applicable to the charges and debt. All parties understand that I am not responsible for these charges and the landlord acknowledged this as well. The original lease is NOT proof that I was on the new lease. The debt collector XXXX XXXX XXXX XXXX failed to provide proof that I was on the new lease and used to old lease to incorrectly 'validate ' the debt with XXXX XXXX This is causing me many problems with rental companies and acquiring loans. I have recently been denied an apartment on the basis that I have too much debt ( this debt ) which is related to a rental property. This is not my debt and needs to be removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 PennyMac informed us in writing that : '' If you prefer to pay your escrow shortage of & XXXX, XXXX in full, your new monthly payment would than be {$1.00}, XXXX. '' We paid in full ; however, we just received our payment for XXXX and the amount is for {$1800.00} vice the {$1.00}, XXXX as stated in previous written letter. 
I called, but no help, only that they would " run an analysis '' and called a another person, XXXX, but no return call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I just received a letter from Nationstar Mortgage that I have discussed possible alternative to foreclosure and received an application from me for a foreclosure prevention alternative. This is a lie. I never discussed nor applied for a foreclosure prevention alternative with anyone at  Nationstar. The most ri diculous thing about this is the assertion that it has been denied. Denied something I did not asked for.     When I called my dedicated loan specialist  XXXX   XXXX  on   XX/XX/XXXX  I asked specifically for the status of my HAMP Loan Modification I applied for in  XX/XX/XXXX  that is yet  to be resolved.  Nationstar unilate rally resolved the modification by denying me the modification and try to sweep it under the rug.  XXXX   XXXX  also told me the modification is over because th e Modification Program en ded in   XX/XX/XXXX . I am still in for the Program regardless of  XX/XX/XXXX  deadline. If I am out, then everyone who applied for it before  XX/XX/XXXX  are equally out. Know they in so I mi ne. Nationstar can not unilaterally deny me the modification because it has to be by a bilateral resolution. Is a commitme nt Nationstar has to fulf ill by modifying the loan because  Nationstar sign ed  HAMP Participating Agreement in the past committing itself to HAMP Loan Modific ation Program.     Also, I just received  3 regist ered mails for a foreclosure sale scheduled for   XX/XX/XXXX . They are similar to the ones I received on  XX/XX/XXXX  fro m  XXXX   XXXX ,  XXXX . The letter said please find enclosed advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX    There is no advertisement for the foreclosure sale published in   XXXX   XXXX   XXXX   enclosed in the letter. That is not true

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: Wells Fargo back dated letter regarding proof of insurance. Letter dated and sent XXXX XXXX ( not received till a week later thru regular mail ), stated to provide proof of insurance before XXXX XXXX or would be force placed and was in fact already force placed prior to any notification ( I had provided all info the day after car was purchased, never notified they needed something else ). Not only was this provided a month before to the dealer, there was no way to comply with their notification AFTER the due date. This was then provided. This has since been provided to them XXXX times which they refuse to confirm receipt of. This was sent by myself XXXX times ( XXXX to dealer, XXXX faxed to thier insurance directly ) ..Three times by my agent directly. Another time from the insurance customer center XXXX # directly to Wells Fargo auto ... ..Then my agent even called and verbally gave the information twice more ... ... .still they claim is outstanding. Insurance dept routes me to customer service who routes me back to insurance ... .so on and so on. They keep charging more and more fees and have reported me late to the credit agencies which is detrimental to my credit rating, even though I have been calling and they know of the disupute and discrepency on their end. Also my actual payment has been auto deducted each month on time, so I have not paid anything late. Each time I get routed to someone else who give me different information, then never appears to notate my account since next time I call is like the first time. This is obviously a scam for additional fees and high insurance that is in cohersion with the auto dealer/lender. They have all my contact info yet claim they are not allowed to leave me a voicemail so that I know they are trying to reach me. Agents are rude and actually lied to me regarding my rights. They claimed that they can not file a complaint & have nothing to do with credit agencies to correct information and until I pay them, customer service will continue to pass me off to collections which will # XXXX not resolve the insurance matter nor address the erronous issues with my credit nor revese fees ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with EOS Holdings, Inc. (NH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX  and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I bought a water heater from Lowe 's and used a zero percent credit card to finance it. Attached is a spreadsheet that enumerates what was charged to my credit card. The re-billing and crediting was not authorized by me. And, as you can see it does not add up to the total on my credit card. My balance is higher by {$51.00} the exact amount of my direct delivery credit. The store claims that I WAS owed that credit and that I DID get it. 
I have attached the reconciliation and a copy of my most recent statement proving the discrepancy. 

I am tired of being lied to and misdirected. I want this unauthorized change removed from my card. The total interest free period is about to be up and I will NOT pay interest on the {$51.00}, which I have not intention of paying. 

Please help me resolve this issue. I think these people are crooks. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NRA Group, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  has listed a past due account for the     XXXX   XXXX    XXXX   XXXX . Per my insurance documentation and the agreed upon of their agreement with th e    XXXX   XXXX    XXXX   XXXX , this bill was paid and my responsibility is {$0.00}.     I emailed th e    XXXX   XXXX    XXXX   XXXX   (   XXXX  XXXX  XXXX  ) on  XXXX   XXXX ,  2017 a nd have not received a response. I also mailed a letter to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017 and h ave not received a response.     Please assist me in having this removed from my credit profile.     Thank you,  XXXX   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 03-09-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have for two months had issues with XXXX XXXX  XXXX ... I have been approved for a 403b refinance so I can get a new roof post hurrican Irma. The new lender XXXX XXXX XXXX needs a letter from Loancare, just simply stating I was in a disaster forbarence from XX/XX/XXXX to XX/XX/XXXX, and prior to this had no late payments. ( Which is exactly what my records for them show ). I have spoke to 50 people, tons of supervisors, and I can't even explain the stress.. the last call someone told me that it would be illegal for the to give me this email ... everyone says they can't do anything, no supervisor will return my calls ... I just need this one XXXX thing, so I can refi, and pay for my roof! Please 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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (VA).
Issue: Fraud or scam

Complaint: Equifax is using their data hacking situation to scam consumers to purchase their credit tracking product once they are identified they are victims of the cybersecurity breach. When consumers contact Equifax to learn if they are victims for the recent Equifax fiasco, they are asked to enter their identity information to confirm if they are a victim. Once Equifax identifies that the consumer 's information has been hacked, they transfer the consumer to their XXXX XXXX XXXX product. This product provides the consumer with a skeleton information of their credit information ( barely any information at all ). If the consumer  complaints, Equifax forces the consumer to acquire their full spectrum of their credit tracking product at a heafty fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCANTILE ADJUSTMENT BUREAU, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This agency h as 1 : R eported a balance as in " collections '' which was paid to  XXXX   XXXX  before I had any contact from th em. 2 :  Failed or refused to report to credit agencies that this amount was paid in full on  XXXX / XXXX / 17 .  3 :  Provided a letter falsely stating that they received payment from me, on  XXXX / XXXX / 17 . No payment was made to them . 4 :  Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on  XXXX / XXXX / 17 .

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 'm receiving daily debt collection calls from General Revenue Corporation, from a " XXXX . XXXX. '' Last year I also received daily calls from them for over a month until I called them. They were trying to collect a debt from a family member of mine. I informed them that my phone number was never associated with that family member and to stop calling me. They said they would remove my phone number from calls. And they did, for about a year. And then they started calling again about XXXX XXXX, 2017. Their phone number is 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 02-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed bankruptcy XXXX and was allowed to pay interest only which my contract states. I made all my the payments. Approximately three months before my discharged, Nationstar Mortgage is stating I am past due, I made all my payments on time. Nationstar has returned my checks stating that the amounts are not enough for payment. They have not processed my Harp due to incomplete forms I filled out all the forms that was mailed to me they did not send me all the forms at the same time, causing me to be late for their time line. They have also reported to the credit bureaus that I am behind in payments, I am not. 
They have refused to send any or all information requested by my attorney to be mailed to her. My attorney has asked me to seek other advised, due to Nationstar non corperation. On XXXX XXXX, XXXX they have cashed a check in the amount of {$790.00} for XXXX XXXX, XXXX payment. Refused XXXX payments now wants money orders but no personal checks my checks have not bounced I told them this would cause a hardship to have to pay extra cash for money orders or cashier 's checks etc. due to them not accepting my checks that I already paid for and have plenty of.. 
By XXXX/XXXX/XXXX they will accelerate foreclosure on my house a certified letter I received today XXXX XXXX, XXXX by a person who has not been able to be reached by my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A lot of negative inaccurate debit that is over decade old and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that were disputed. Since they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- They are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
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 01/25/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to Diversified Consultants Inc on  X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with non-monetary relief