milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went online today X/XX/17 to review my loans and saw that my loans were in forbearance. My new income driven repayment was going to be going through, however no message was in my online inbox on the myfedloan.org website ( the letter came in after my forbearance had been applied ). I called and found out that despite my autopay and on-time payments my account had been put in to delinquency  forbearance and my interest had been capitalized. The agent did not understand how this happened, which is concerning, and reversed it. However, I am still yet to get any documentation about this interaction. I was not informed that the forbearance would be delinquency. It seems predatory to put me in delinquency while they arrange the administrative logistics of the IDR. I fear that had I not randomly checked the website my credit would be damaged and my interest would be capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, This took place about a year and a half ago with a company called Premier Student Loan Center. 

Premier Student Loan Center withdrew three payments of {$290.00} from my bank account. The first withdraw was XXXX XXXX, 2016, the next was XXXX XXXX, 2016, and the final withdraw was XXXX XXXX, 2016. I did not receive the services I was promised. I was told by the first Premier Student Loan Center agent I spoke with, that my total loan payoff amount would go down {$4000.00}, from XXXX to {$8500.00}, and that I would have a {$30.00} a month student loan payment that would go toward paying off my {$8500.00} student loan. As it turns out, none of this was true. My student loan has not gone down any, and the {$30.00} was to go to Premier Student Loan Center every month to do nothing. Loan consolidation is a free service, which they proceeded to do for me one time and then once a year they would renew my repayment plan which is a free service as well. Furthermore, they lied to the new student loan agency they hooked me up with ( XXXX XXXX, I was originally with XXXX ), and said I had XXXX children and whatever else they had to say so that I would have a XXXX balance on my loan repayment and my {$30.00} a month would keep going to Premier Student Loan Center. 

Once I figured out what was going on I wanted a full refund. I talked to a supervisor at Premier Student Loan Center and another agent. I also got my bank involved and brought their fraud department up to date. I was able to get {$600.00} of the {$900.00} they charged for services not rendered as well as a refund on the first $ XXXX monthly charge they withdrew from my account. I closed my account with Premier Student Loan Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently disputed my XXXX XXXX balance with Experian on XXXX/XXXX/2017, and I received an email with the results but I also noticed that they added to inquiries from XXXX XXXX to my credit report which I have I did not authorize.. I have contacted XXXX XXXX and they did not put the inquiries on my report in XX/XX/XXXX and XX/XX/XXXX. I know things can be reinserted but I never asked my credit to pulled for this dispute.

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 04-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: navient has inflated the student loans taken, they have XXXX different accounts under XXXX names the primary borrower and the co signer with duplicate loans under each, they refuse to fix the issue, stating there is only the XXXX set of loans. in the past when payment was a struggle they suggested forebearance instead of other options, they have a high monthly payment plan that is beyond borrower ability and constantly harassing not only the borrower but all surrounding family members and employers with a barrage of phone calls and emails. school attended was XXXX in XXXX az

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Second time again, Wells Fargo has put a hold on a payroll check deposited into an atm again. Check was deposited in the amount of {$1800.00} on XXXX. Receipt of Check said funds would be available on XXXX/XXXX/2016. Now on XXXX/XXXX/2016 an email was sent that funds will not be available until XXXX/XXXX/2016. No first {$200.00} was made available. Called Banker who I spoke with a lady named XXXX and stated a REFER TO MAKER OF CHECK just like the last time. But according to bank last time after resolution it was because of overdrafts and insufficient fees ; which were cause on their part. Account was in good standing past 2 weeks except for that I had to pull out the {$200.00} that on XXXX/XXXX/16 due to no funds available. Causing me to pull the {$25.00} out of savings that I was trying to save up. Which I am in overdrawn balance of {$160.00} If I would have known this would occur again. I would have went to a check cashing place like I did 2 weeks ago and paid the cashing fee to cash the check. 
Wells Fargo is placing the holds and not trying to clear these check faster as causing an inconvenience. I already have scheduled payments that I set up one time future payments for bills. 

As Consumers we need better rights and protection to access our money faster and not placing these longs holds for almost 2 weeks.

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 05/13/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Capital One Auto Finance continues to take up to 3 months or 60 days plus to report my on time payments to all XXXX Bureaus. For example my on time Patment for XXXX XXXX 2015 was reported on XXXX XXXX TH 2015 this is wrong and hurts my XXXX scores. XXXX 's and XXXX still has not been reported as paid either. It should ( not ) take them 80 days. This is not ( accurate ) reporting. If your late/ pastdue they report you immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage sent me a payoff statement while I am in Chapter XXXX bankruptcy. The payoff statement is claiming to pay off the house would be {$130000.00}. I looked at their previous tax statements sent to me and they are stating that we owed a little over {$120000.00}. When looking at the tax statements from XXXX and XXXX I have noticed that my interest payment has gone up over {$2000.00} last year even though I am on a fixed rate mortgage and have paid down the principal. Something is not right. If you look at XXXX statement the interest is {$5100.00} and then all of a sudden XXXX interest is {$7500.00}. How does interest go up when you pay down the principal and have a fixed rate mortgage? We feel like they are trying to sneak charges that were dismissed through bankruptcy court onto my interest. Also, on the payoff statement, they have unexplained charges under lender paid expenses in the amount of {$2900.00}. We have proof of claim being dismissed and proof of payments. What Nationstar can not explain is these charges and why my escrow got increased by with no reasoning behind it or no notice to me or the bankruptcy courts. We have tried calling them to find out, sending a certified letter, and asking their own attorneys but no one can give me a straight answer about why my escrow is more than the insurance and property taxes combined and divided by 12 months. By our calculation escrow should be about {$300.00} but they have escrow at {$420.00} after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have repeatedly attempted to get my accounts status corrected with Experian.     I was just declined credit due to the fact that there is inaccurate and erroneous information on my credit report. I have a Chapter  XXXX  Bankruptcy that was discharged in   XX/XX/XXXX  . They have an account that still shows as " Charged Off '' I just a ttempted ( XX/XX/XXXX  ) t o get credit and was denied. I was told that the reasoning is there is a charge off on my account showing. I have attempted to dispute AGAIN the status of this account and all I got back from them is " We have already investigated this information, and the source, creditor or public record has verified that it is correct. If you still have a question about it, you may want to contact the source, or if you have additional relevant information, click here. '' With no option to have this error corrected.  <P/> This account was included in my Bankruptcy and discharged along with other accounts that show a s " Status : Discharged thro ugh Bankruptcy  Chapter   XXXX . '' But fo r SOME reason this one car d shows as " Account  Charged  Off '' even though they were all part of the SAME Bankruptcy.  <P/> Experian is making it even harder by telling me there is nothing they can do as the company says the status is accurate even though you can tell just by LOOKING at it that it 's wrong. And today it cost me.  <P/> My next step is to file a FCRA complaint as there is no way that this account is " Charged Off '' there is no validation for that and of course..Experian does n't care.

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 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making my monthly mortgage payments on time every month. This was done until XXXX of 2016 when I had to get XXXX tires and have some front end work done on the vehicle. Just one week later my vehicle was hit and I had XXXX witnesses. The next day I was informed by my insurance the car was totaled. I was given just 3 weeks with a free rental car. Now I have to walk. In the mean time I am showing that XXXX XXXX at Wells Fargo ( XXXX ) will not make a payment out of the money in unapplied funds. Currently there is {$2100.00}. This is confusing to me as when I made a payment of {$1500.00} earlier a payment was deducted and the remaining money went to unapplied funds. Once XXXX got involved the money sent in was put as unapplied funds. This means more interest to me and she is messing up my payment schedule for the credit bureau. Not fair. 
To me all was fine until she got involved. To me she should not have gotten involved.

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 05-01-2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Citibank is e ngaging in fraudulent behavior where they publicly advertise a promotional offer to attract new users, make them open a new account and add new funds into their account then, first : refuse to recognize the existence of the promotion and later : refuse to acknowledge that the user was part of the promotion.     In my ca se : 1. I sa w this promoti on on Citi 's websit e on   XX/XX/XXXX  ( see   attached file )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    2.   Checked the box on this page that says " I want to open a  Citibank   XXXX   XXXX    Account now '' and clicked the "  Enroll  now '' button. I then opened the account the same day.      3. A s required by this promotion 's terms, I deposited {$50000.00} from my external bank account into this new  Citi Savings a ccount  on   XX/XX/XXXX   (   see attached bank statement ).      4.  As required by this promotion 's terms, I kept pas t  XX/XX/XXXX   ( see attached bank statement ).      5. I c ontact ed Citi short after  XX/XX/XXXX  ab out the bonus and was asked to wait until " 90 calendar days from the date when you completed all offer requirements '' which would have been   XX/XX/XXXX .        6. I contacted Citi a few days ago and first got a canned response referencing an entirely different promotion that I never inquired about.
7. The second response stated that " offers are only available to the individual to whom the offer was addressed. '' 8. I se  arched on the web and it appea rs Citi is u sing this excuse to refuse the bonus to many of its customers who relied on this promotion. Most importantly, the promotional terms  make *NO MENTION* that the off er is only available to whom the offer is addressed. In fact, since the offer was publicly available and accessibl e on Citi 's  website, it is a " unilateral contract '' in which anyone that the offer does not exclude, is eligible for the bonus, so long as the terms are met.     For the reasons stated above, and based on my research online where other users have shared similar stores, I have reason to belie ve Citi is   engaging in a pattern of promotion fraud.

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 04/15/2017 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (NV).
Issue: Account opening, closing, or management

Complaint: I applied to Charles Schwab for a Brokerage account and a Checking Account on XXXX-17. 
They opened the Brokerage account, and the Checking account was pending. 
On XXXX17 the Brokerage account was closed and I was not approved for the checking account. 

I called on XXXX-17 and was told I would receive information in a letter they were sending giving specifics. 

I have received the letter from them but there is no specific information as to what caused them to reject me as a customer. 
This is a violation of the FCRA. Without knowing what they viewed in a report that caused my rejection, I can not make sure that there is not a mistake and repair any misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with RP FUNDING INCORPORATED (FL).
Issue: Settlement process and costs

Complaint: I was approved for a loan to buy a home, by RP Funding Inc.. I paid for an appraisal to be done on the property. I was subsequently denied the mortgage. I obtained new financing on the same property, Through XXXX XXXX XXXX and they have agreed to use the original appraisal I paid for. The Appraise, XXXX XXXX Services agreed to reassign the appraisal to the XXXX, if RP Funding Inc. will release the appraisal. The original finance company is refusing to release the Appraisal to be able to reassign the appraisal to the new finance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I got XXXX collections on my transunion report that was deleted between XXXX XXXX and XXXX of 2017 and reinserted without prior notice and XXXX credit inquiries that was deleted and reinserted without prior notice, called them to solve the problem but they said they can not do anything.

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 09-01-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I took XXXX money orders in the bank I received and specifically ask the clerk to check them to see if they are good. she came back and yes and deposit the money Into my acct. And said that the money was available immediately. I took out XXXX then 4 days later they said XXXX money orders came back bad .I went to bank with XXXX to pay for all the MoneyOrders. even thou the last one still was n't back. The banker took the balance of the XXXX money orders and put the rest into my acct. Knowing that the last money order was coming back as well. The next day I called to inquire about the last money order and was told that it came back and it was clear. So I used the money in my acct. And XXXX days later they called and said that the last money order came back bad. I was threaten that if I did n't pay for money orders it would come out of my ssi that 's direct deposited I refused to pay the last of the money order so they turned me into check systems. but I was removed and beat that. I was n't aware that the money orders were part of a scam. So I was a victim and then the back lousey excuse for there failure is more then impossible to believe. It still haunts me today. I tried to do the right thing and the bank made it worse then the scammer. They tried to deny that the bank told me the last money order was clear. It was a lie because when I was over drawn for the XXXX money orders they blocked my atm card until I paid the balance they activated it again well that bite it did n't work so that 's when I called the bank to see why and that 's when they told me that last money order was cleared. And apparently it was n't according to there statement. But the atm alloys me to take XXXX extra from it. Does n't make any since the atm will not do that. They were holding on to this last m money order until I spent the money. It does n't make " since if there was XXXX money orders only XXXX came back. No way ... this is how I came to be aware of the debit credit that they all of a sudden made up. There is no such thing and everybody who has one is being ripped off. If you look on most banks web sites they donot say anyhing about a bedit credit card.only is it a credit card is when you ca n't put your pin no. In for a transaction. Who new this?? Who new that when you pay your Bill 's at home or online that they are n't being paid for maybe XXXX days. That your money comes out of the bank and made a iou slip until the merchant comes picked it up. In the mean time use your card as debit and you can use the money you had for Bill 's. Then you become overdrawn and the bank charges you a fee. Its ironic how America waant aware of banks doing this to your card. I knowv citibank and XXXX XXXX XXXX does n't even mention this type of card. it 's either a debit card or a atm card. Wake up America the banks are stealing your money and living on your bank fees..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with E*TRADE BANK (IL).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/15 my atm card was lost/stolen in downtown XXXX. Later that night {$1000.00} was taken from my account in several large ATM withdrawals, which were not authorized by me. The next morning I was informed by card security that there might be fraud on my account and proceeded to cancel my card. I filed a claim with E*Trade in writing and after 6-8 weeks they denied my claim in a letter saying the transactions were authorized and therefore will be upheld. When I asked in writing what was their evidence for the transactions being authorized were, they replied with " any documents used to investigate your claim are proprietary ; and therefore can not be provided ''. I would like to see their evidence and if possible ultimately get my {$1000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (VA mortgage) with LoanCare, LLC (SD).
Issue: Loan servicing, payments, escrow account

Complaint: My life changed drastically back at the XXXX, and my payday changed also. I called and asked LoanCare if they would please move my due date out a few weeks. They refused stating it is a contractual agreement. Well, hello! Life freaking changes, how am I supposed to know we would have a tragic death in the family and that my employment would change. If this company has even an ounce of human compassion they would change my loan due date by 12 days, and it would n't hurt them in the least, but we are just a number to them. I ca n't wait to get my loan picked up by a VA refinancer. LoanCare is the worst mortgage company I have ever dealt with.

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 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Trans union broke the law when their computer system had a glitch and all inquiries were deleted as a result of their faulty system. However according to the Fair Credit Reporting Act you can not reinsert something that was deleted due to your faulty equipment or mishandling and that is exactly what trans union did reinserted those inquiries which is illegal. I am asking that those inquiries be removed permanently from from my file

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