milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Checking or savings account (Other banking product or service) with WEBSTER BANK, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have an account with XXXX XXXX for my XXXX savings account. 

They are charging {$3.00} per month for balances below {$5000.00}. 

This is completely ridiculous that I have to maintain {$5000.00} per month and the interest earned is 1.5 %. They offer an option to invest the money in XXXX XXXX which is what I have done and because my money is in the XXXX Account they dont offer credit for that. 

I feel this unfair and taking advantage of a captive situation. 

I spoke to XXXX XXXX and they said this is all in the fee schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several federal loans through Navient, and I am aggressively paying off the highest interest rate loan(s) first on top of the auto-debit program.  Whenever I make additional payments to the loan (XXXX) with the highest interest rate, I always choose not to move back my payment for the auto-debit.  I noticed that once the auto-debit occurs, it will only subtract the interest for XXXX, and not put any money towards the principle.  The extra money from the auto debit is allocated among the other loans I have, which all have the same or smaller interest amounts.  I have contacted Navient 6 times in a month to have everything retro-actively billed correctly, and to have future auto debit payments be allocated correctly.  They assured me that it has been fixed and that the next auto payment will apply the payments correctly to each loan, regardless of any extra payments I made to XXXX.  When the next billing cycle passed, I noticed that it was still only auto-debiting the interest on XXXX, and not making a dent into the principle.  I had to talk to a supervisor at Navient and he said there was a software issue that they are trying to fix and that in the meantime, the only way to ensure each loan gets auto-debited correctly, is to bill all loans separately.  This is now going to cause a separate transaction each month on my checking account for each loan that I have.  This has been a frustrating experience with Navient to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted. 

I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue. 

I can not wait for the day until my mortgage is sold again away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX was placed within my credit file in XXXX, 2017. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: O n  X/X/17 , Citibank ema iled a letter to me asking to cash an official check indicating, this can be easily resolved by simply depositing the check or requesting a replacement.     O n  X/XX/17 , I deposited the check at  XXXX  ATM, but re ceived a letter from chase saying that that  XXXX  could not accept a check that is over 6 months old and direct me to ask the Citibank to re-issue the check.     On   X/XX/17 ,  I called the person who open the account for me,  XXXX   XXXX , at  XXXX   XXXX   XXXX , CA location.  XXXX   XXXX  told me who could not do anything for me.  One w ould hope that the banks representative that opened your account would be there to help later. Some call it the moment of truth.  XXXX   XXXX , however, was not willing to assist me at all. I explained to  XXXX   XXXX  that I already spoke with Citibanks customer service and I was informed that the cashiers check has not been cashed and a new check needs to be issued at the local branch.     O n  X/XX/17 ,  I visited Citibank office in  XXXX , CA that is closer to my work. I met with  XXXX   XXXX .  XXXX   XXXX  was not able to resolve my issue and said she will update me with the status on the following day, Friday ,  X/XX/17  and will expect to have it resolved by Monday,    X/X/17 . D espite her promise,  XXXX   XXXX  has not called me at all. My calls to that branch would always be forwarded to  XXXX  customer service that in turn would not be able to assist me.     After waiting for over a week for  XXXX   XXXX  response,  on  X/X/17 , I  called  XXXX  customer service at  XXXX  and placed a complaint #   XXXX    XXXX   XXXX   XXXX   XXXX  with  XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX  assured me that an email will be sent immediately to  XXXX , CA branch,  XXXX   XXXX , and the branch  XXXX  and that I will receive a response shortly. To this day, I have not heard back from anyone at that branch.     O n  X/X/17 ,  I went to  XXXX  Bank branch in  XXXX , CA, my current bank. I spoke with the assistant branch  XXXX ,  XXXX   XXXX , about my inability to resolve this issue with Citibank. She encouraged me to get in touch with Citibanks corporate office and to file a complaint with the government.     O n  X/XX/17 ,  I visited  XXXX  location in  XXXX   XXXX , CA. I asked  XXXX   XXXX  to see the branch manager,  XXXX   XXXX , but even though she had no clients in her office, I was told she could not meet with me.     As you can see from above exchange, Citibank and its representatives have been impossible to deal with and have been deceptively promising to call me back with no intention of doing so. Since the Official Check has initiated from my own account and is payable to myself, there is absolutely no reason for Citibank to refuse to help me and treat me in the condescending manner.

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 03/21/2017 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am a member of credit expert I have a membership and am allowed to view my credit report and score once a day. I have been transferred to the dispute Dept then back to the member Dept to resolve this issue mbr ship Dept tells me I have no address on file to view my report and to call experian I called experian and the put my address on my report. I then called back credit expert to view my report and was told I have to call dispute dept because there was a mismatch with my social security number and that over XXXX reports have generated dating XXXX but I still have no access to view them. This needs to be resolved so I can review my credit report and score.

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 01/22/2018 about Mortgage (Conventional home mortgage) with GMFS, LLC (CA).
Issue: Trouble during payment process

Complaint: I had set up a recurring payment from my bank to my mortgage processor, GMFS, who subsqeuently changed the amount of payment required. While continuing to accept and cash my checks, they stopped crediting my payments to my account because they were " short payments '' and they " ca n't accept '' short payments. 

Though they claimed to have sent me letters and called me, no calls were received, and no letters to the effect that payments were short, were received. When I called to follow up, I asked if they had been calling, they claimed that they had been ( to my cell phone number, none of which were ever received ), and they had been in in fact, calling an erroneous number XXXX. 

I also logged into their account management interface several times and was never alerted to any problems with my account during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (I do not know) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeatedly and incessant phone calls to my cell phone, EVEN after I have called them and told them it is not my bill but it is my NEW phone number.

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 11-08-2016 about Bank account or service (Checking account) with DISCOVER BANK (MN).
Issue: Deposits and withdrawals

Complaint: Discover Bank holds my deposits and transfer-in for unreasonable periods, making it impossible to access funds and earn proper interest. When I deposited my check via the mobile application, I received an email saying my fund will be available 1 business day after deposit day if the deposit occurs on a business day. I deposited {$300.00} on XXXX XXXX, 2016 and they released {$200.00} on XXXX XXXX, 2016 and hold {$100.00} till XXXX XXXX, 2016 while all the fund has been deducted from the withdrawal account on XXXX XXXX. For transfers from external account, they hold the funds for 2-3 days before making it available for use even though my external account has been deducted. I believe this is a malpractice as they hold my money for extended period and I lose interest on these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have XXXX mortgages on my home that were transferred to Bank of America from Countrywide. I applied and was approved for a modification on my XXXX and was told that the XXXX would follow immediately after. After many single points of contact with B of A and completing an extraordinary amount of paper work I was told I did not qualify any longer because my income is too high. I have tried to speak to all department at B of A that may be able to help me and I get different responses to the same question. I decide to hire an attorney who understands the system better than me. She is getting the same inconsistent response as I was. I told the attorney to make a short pay of offer to B of A. B of A rejected the offer stating that I have n't been denied modification in the last 60 days. B of A wants me to start over again. If I was denied because of income before why would it change now? My attorney requested a copy from the note holder indicating that the offer was rejected. We have been waiting a week with now response from B of A. 
The has been going on since 2009, I have tried diligently to reach some kind of agreement with B of A but the refuse to be upfront with information. After 6 years late fees have accumulated and my credit for the first time has had negative reporting. If the right people from B of A would just communicate with me I 'm sure this can be resolved quickly. Neither my attorney or I have been able to contact the right person. I have lived in my house for 10 years and would like to stay. The value is still considerably less than I owe. 
Thanks

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have never once heard of XXXX XXXX   before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Specialized Loan Services LLC. Before payments began I spoke to SLS and they agreed, via phone, that I could continue to pay bi-weekly like I had been doing with XXXX XXXX XXXX. They stated that their system was not set up for it but they would do it. The statements sent out were going to be off and show late fees however they said not to worry about it because they would have it corrected in the system. Once in a while they would call to say it was late however when I mentioned the agreement the caller would see it written in the system and have the calls stopped. I set up bill pay with my bank so that the day after my paycheck was deposited a check would be sent out to SLS. I have never missed one payment, and there have been months when they have received an extra payment. From XX/XX/XXXX till about I believe XX/XX/XXXX there were no late charges and I believe ( I have no way of checking ) they were even applying the extra money to the principal. However after doing my XX/XX/XXXX taxes I found that around XX/XX/XXXX they had started to charge late fees and were no longer applying the extra money to the principal. I had also found where they were reporting me late, over 19 times, to the credit report companies. When I tried to dispute it SLS would send a copy of the original agreement I made with the private lender saying I agreed to a single payment once a month, and that they were only a third party attempting to collect a debt. I explained to them that they agreed to the new payments in XX/XX/XXXX and that even though it was verbal they had to honor it. They refuse to correct any of the late charges, or late reportings. The one customer service rep. I talked to said there was no way to really prove there was an agreement. I did tell him that the fact it took them a year and half to start charging late fees, and that I have been paying the same exact way since XX/XX/XXXX should be pretty easy to prove it. He than said well we are only a third party trying to collect a debt which is not true either. The private lender died and his next of kin sold the mortgage to XXXX XXXX XXXX. I have checked and XXXX XXXX XXXX have the account showing as closed out saying they sold it SLS. When I asked for a supervisor he advised there was no way of reaching one and hung up. I have filed complaints with XXXX, as well as with the XXXX in an attempt to clear this up however they will not honor the verbal agreement we made. I will try this one last time to have them correct the issue, however I am looking for a lawyer at present and will take it to court if that is going to be the only way SLS will correct their mistake.

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 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Residential Credit Solutions Inc took over the servicing of our loan from XXXX on XXXX/XXXX/15. They are overwhelming us with mail. We are on the unemployment program which they acknowledge but still send notice threatening us almost daily which i do not think is legal.

Company response to consumer: Closed with explanation