milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have a copy of my checking account through federal clearing house that showed my account number was an in-correct number as entered. My account had sufficient monies in it but payments were refused according to PayPal Smart Connect & XXXX XXXX for months through my account. Damage has been done to my credit so I am being refused credit. 
This action took place by the both named above in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Despite numerous called to them I could not get any understanding to listen to my story until I was able to receive copy from XXXX XXXX XXXX in XX/XX/XXXX. The Connecticut Banking Commission gave me your address. 
The XXXX XXXX Financial name ( which ever one would choose to use ) is now being used in my other accounts, accounts controlled by them, & may be a way to frighten me? 
These other controlled accounts are not nor should be of concern is the way I see it for them. 
I want PayPal account paid in full with corrections made to credit reporting agencies.

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 06/20/2017 about Debt collection (Private student loan debt) with Weltman, Weinberg & Reis Co., L.P.A. (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Weltman , Weinberg & Reis Co. , L.P.A . Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because XXXX and XXXX XXXX XXXX XXXX refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at Weltman, Weinberg & Reis Co., L.P.A ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CO).
Issue: Trouble during payment process

Complaint: I called PNC Bank on at least three occasions to inquire as to whether I could have the escrow removed from my mortgage. Each time I called, I was told that it would be no problem and that I simply needed to pay the items currently escrowed, property insurance and property taxes, and provide proof that the items were paid in full along with a written request to remove the escrow requirement. As such, in early XX/XX/XXXX I purchased and paid in full an insurance policy along with paying my XX/XX/XXXX taxes, which are payable in XX/XX/XXXX, in full. Immediately after, I sent an email to PNC per the instructions from the customer service representatives that I spoke to, including statements and receipts for the property insurance and tax payments. I was initially given the wrong email address, so I did not get a timely response and called to inquire, when I was given a different email address. I resubmitted the request and supporting documentation and received a reply about a week later denying my request. The reason for the denial were that my loan to value ratio exceeded 80 % and I had an active mortgage insurance policy on the loan. 

At no time was I told that my request to remove escrow was contingent on anything. Each of the three representatives that I spoke to assured me that I only needed to submit the request with evidence that the tax and insurance had been fully paid. As a result of those phone calls, I made the decision to pay those items in advance. This decision was made with consideration of my budget and the impact that a lower monthly payment and refund of funds currently in escrow would have. In other words, I was planning to pay for these items with the escrow funds that would be returned to me and the money saved each month. 

I have appealed this denial through the Chief Customer Officer at PNC, XXXX XXXX. She delegated the appeal to XXXX XXXX. I have voiced my concerns with XXXX XXXX, however her position is that due to the LTV and mortgage insurance issues they will not do anything about the erroneous information I received. She told me she listened to one of the three calls I made and admitted that the response was ambiguous. She stated she was unable to locate the other two calls. 

I would not have purchased this policy or prepaid my taxes if I knew there were a chance that I could not remove the escrow requirement ; there is no reason to outlay those funds twice. I believe it's clear from my actions that I was told the process to remove the escrow and that there would be no issue with the request. Why would I be told to submit evidence of payment if there were a chance it would be denied?

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 04-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a mortgage loan in XXXX with XXXX. Which was sold in XXXX to XXXX XXXX XXXX who then sold it to Nationstar in XXXX. In XXXX we did a modification with Nationstar. Recently my husband and myself reviewed a copy of our credit report only to see for the last 2 years Nationstar has been reporting inaccurate data to the credit bureaus. They are reporting that my husband and I are anywhere from XXXX XXXX to XXXX XXXX behind in our mortgage and 30 to 60 days late. It depends on which report is pulled at the time. Also when the mortgage was modified we were told what the new loan amount would be. They also have it showing on our credit report as if we are over limit on out loan. It shows loan balance XXXX XXXX then it shows highest balance XXXX. This was all included in our modification. I feel this information is wrong. It is making my husband and myself look like we are people just trying to get over when we are actually 2 people working hard to give our kids a better life. This is Defimation of our character and credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citibank sent me a notice on XX/XX/2017 notifying me of a message of account closure. I logged in to see that they had closed my account unilaterally without prior notice. Closure was for non-use. My issue is that I was not notified and given the opportunity to use the account to qualify to have it remain open.

This is my longest running credit and will adversely affect my credit score. Its poor practice to not allow me to address before the account is closed Additionally, when I called to have the account reinstated, I was told the only way the account could be reopened is if I did a full reapplication that includes a credit bureau pull.

Citibank created a situation in that there was no way to avoid my credit score being impacted.

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 06/22/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (KS).
Issue: Application, originator, mortgage broker

Complaint: I am trying to get a lien release from CitiFinancial Corp. the lien was applied to my Property in Kansas with a loan for siding in XXXX. The loan was Paid in full in XXXX. The Lien is keeping us from the home improvements we need to make to our home. I began requesting the release of the lien on XXXX XXXX XXXX, XXXX through the Loan Company then by myself since XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan was recently transferred from XXXX to FedLoan Serving. I have no complaints about XXXX and was never late on a repayment with them in three years. My first repayment with FedLoan servicing was late because I was never properly informed of what servicer my loan went to, when my new payment was due and where to go and pay it. By chance, I stumbled upon FedLoan 's website and logged in to see DELINQUENT attached to my loans. This is unacceptable and may very well affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my  automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting. 
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes. 
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period. 
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments! 
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise. 
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this. 
Please assist. The consequences of this on my credit score are far more impacting than deserved. 
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: From the month of XX/XX/XXXX to XX/XX/XXXX, I was living in XXXX XXXX Texas for work questions. The company XXXX offered me an internet service without any contract, I paid in advance to consume one month. 
At no time, I signed any contract, never assumed any commitment to pay, and at no time the company XXXX contacted me to negotiate any debt I returned to Utah on XX/XX/XXXX, after spending a month I received a credit alert in my XXXX  account of which I am a member. When I review the company XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, I was taken to collection at the request of the company XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
File a Dispute in XXXX  XXXX and on XX/XX/XXXX received the response from XXXX XXXX 's report. 
The answer design ; " The Element was removed from your Credit report At this time the XXXX company took me back to collection using another company The company XXXX acts outside the law and does not respect the rights of consumers. 
The company XXXX uses the collection companies and the credit bureaus to violate the rights of consumers and affect their credit

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There was a workers comp medical bill submitted to the XXXX ( workers comp insurance company ) back in XXXX. They somehow managed to mishandle that payment and I then received a collection notice in XXXX. I finally got ahold of XXXX and they apologized and promised to take care of it. After an entire year of trying to get this resolved XXXX swears the check is in the bank to the department of treasury as of monday. I submitted a dispute to Equifax showing that this was a workers comp bill and i was not responsible for this bill XXXX was. I also submitted copies of the emails back and forth from the military hospital and XXXX from XXXX, stating from XXXX they would handle the bill. I also sent Equifax copies of the emails from the last year showing XXXX apologizing for the mistake and promising to fix immediatley to prevent credit report damage. 
equifax then did thier investigation and said that department of the treasury verified the collection and they would not remove the negative information. Even though they have and acknowledged that this is a workers comp debt and they have the documentation showing the insurance was responsible. Equifax , after an hour on the phone even said that even though i sent them proof that i was not responsible for the debt, they will not remove the negative information because the " creditor says it is valid ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NJ).
Issue: Trouble during payment process

Complaint: On XXXX of XXXX XXXX XXXX transferred servicing of my mortgage loan to Statebridge Company. This is modification loan and it has been issued by XXXX on XXXX of XXXX XXXX. 
On XXXX of XXXX XXXX Statebridge Company prepared Annual Escrow Account Disclosure Statement with an escrow monthly payment {$1500.00} effective XXXX XXXX, XXXX. After my complaint with CFPB the company lower it on XXXX XXXX, XXXX to {$1300.00}, which payment was still too high, because I sent to Statebridge documents, that my property tax for XXXX will be much lower. Statebridge set up a cushion and anticipated payments for my account. Even, when I paid a shortage of {$460.00}, the company did not lower my payment. 
Finally, on XXXX XXXX, XXXX, Statebridge lower escrow monthly payment to {$1200.00} but still maintaining a cushion of {$2100.00} and anticipated payments. My new hazard insurance will be only {$84.00} higher then year ago but my new property tax will be {$420.00} lower then year ago. In XXXX I paid {$11000.00}. 
So my monthly escrow payment should be {$970.00}, {$240.00} less then I pay now. 
Furthermore Statebridge does not send me any information about incentive payments since this is a modification loan. 
For me and my husband this is big difference and we hope that Statebridge Company make appropriate corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (GA).
Issue: Shopping for a loan or lease

Complaint: My wife and I applied for a car loan from our local bank and were denied because the underwriter rejected my wife 's expired XXXX card ( XXXX ) with an attached XXXX Notice of Action from XXXX. We were told she would need an unexpired green card for approval. Her green card expired on XXXX XXXX, 2016 and the XXXX language extended her green card for a period of one year while her removal of condition was pending. XXXX memoranda and the XXXX website XXXX state that an expired XXXX with an accompanying XXXX " indicates that the card is valid for an additional year ''. 
We requested the bank produce their guidelines or regulations that allows them to ignore valid government documents and provided the bank with both a XXXX memorandum and link to the memorandum indicating the XXXX extended her green card for a period of one year. 
The Bank responded to inquiry by merely stating : " Unfortunately, PNC can not contact 3rd party vendors to verify documents. '' They ignored the fact this is the same XXXX party vendor they relied on to verify my wife 's Social Security Card. Further, they flat ignored my request for the specific guideline that directed them to treat the memorandum as not applicable. 
Also, we applied and successfully closed on a house on XXXX XXXX, 2016. The mortgage lender, following housing underwriting guidelines, did accept the expired XXXX with the XXXX as valid documentation. We requested from the bank a reason for the disparity of treatment. Again, they ignored our request.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In XXXXXX/XX/XXXXI was a recent graduate with over XXXX in student loan debt. My private student loan payments with Navient were over {$600.00} per month. I had not been able to find a full time job and also had other student loan payments due to XXXX. I was unable to pay Navient {$600.00} a month and spoke to their representatives only multiple occasions about this. They did not offer me any options to lower my payments, but instead kept directing me to forbearance agreements that charged me {$150.00} fee per month for the forbearance while my loan balance continued to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen scheduled a foreclosure auction after the loss mitigation application was deemed complete by their underwriters, in violation of the CFPB 's prohibition against dual tracking

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Bank account or service (Savings account) with DISCOVER BANK (UT).
Issue: Account opening, closing, or management

Complaint: I saw a promotion where Discover Bank was offering {$100.00} within 30 days of opening a savings account with them and depositing {$15000.00}. I followed their terms exactly, my deposit was made on XXXX/XXXX/2016, and Discover has not given me the {$100.00} that was promised. I have repeatedly emailed and called them and have received no explanation as to why. They tell me it is obvious I have met the terms, but there 's nothing they can do to help me, and that I should keep waiting, and that maybe in a few weeks I 'll get what I should have received by XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Morgage Service purchased the loan servicing of my mortgage from XXXX XXXX XXXX without notifying me of the change. I had paid the mortgage each month for years with a ACH withdrawal directly from my checking acct. When they presented the first withdrawal request to my bank in XX/XX/XXXX the bank processed the request and deducted the funds from my account. Three days later the funds were returned because CMS rejected the transfer. Neither the bank or CMS contacted me that there was a problem. In XX/XX/XXXX CMS presented another withdrawal which my bank honored. CMS accepted the funds this time and credited them to my XX/XX/XXXX payment thus showing my account 30 days delinquent. This process was repeared again in XX/XX/XXXX. At this point CMS had still not notified that there was a problem. Then in XX/XX/XXXX they did not submit a withdrawal request to my bank. I discovered the problem when I received my XX/XX/XXXX bank statement and an email from XXXX CMS had reported my mortgage 60 days delinquent. I contacted CMS and was told my bank had not processed their ACH request and that I was over {$4000.00} behind in my mortgage payments. I immediately sent them a check for the entire amount and followed a few days later with another check for approximately {$1700.00}. 
I then pulled my bank statements and found where my bank had in fact honored their ACH request. I have forwarded copies of those statements to CMS but they have ignored the information and continue to report I am delinquent in my payments to them. They refuse to provide me with any contact information other than a PO Box number. I have now sent them XXXX different letters explaining the situation along with copies of my bank statements clearly showing where they returned a ACH draw to my bank. They have ignored everything I have provided them and not only continue to report to the credit rating agencies I am 60 days delinquent but also to charge me late fees and refuse to accept future ACH payments.

Company response to consumer: Closed with explanation