milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Bank account or service (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Webster Bank in their Marketing Brochure offered a 1.25 % rate to open a new Premier Savings account. With a XXXX deposit by XX/XX/XXXX. I would earn this rate up to balances of XXXX until XX/XX/XXXX. They refused to open this account for me saying that I already have and account ( s ) with their bank which I did but closed all them. 
Under Premier Savings 1.25 % offer paragraph on the back of the Marketing Brochure it says nothing about having to be a brand new customer to take advantage of this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a Citi Diamond Preferred credit card with a credit line of {$3700.00} with {$1200.00} available for balance transfer ( 0 % for 19 months ). I activated the card by phone, and set up a user name and password online, and indicated I would be interested in a balance transfer to XXXX XXXX. On XXXX I set up a {$1200.00} balance transfer to XXXX XXXX for mid XXXX, but had a {$980.00} airline ticket refund, so immediately called back to CitiCard to cancel the {$1200.00} transfer and initiate a {$270.00} transfer to pay off the remaining XXXX XXXX balance. Following this, I checked on line through chat service and many times looked at my transaction lists to make sure this was processed correctly, even called back to make sure the {$270.00} would clear in time. 

In a surprise to me, on Monday XXXX CitiCard processed a {$1000.00} balance transfer to XXXX XXXX, giving me a negative {$1000.00} credit limit with XXXX XXXX. I called on XXXX to CitiCard to ask what this {$1000.00} balance transfer was, and was told I iniated this on line. I asked how I couldnt be informed of this when I called, and how was I allowed to do redundant transfers to the same company, and how this {$1000.00} transfer did not even show up on my transaction list as pending ... They had no answers, and XXXX badge XXXX told me they must have assumed I knew, and I should call XXXX XXXX to refund. Bottom line, CitiCard withheld basic account balance information from me on multiple occasions and allowed for redundant balance transfers. This was very poor customer service and a complete waste of time.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence supporting my claim. XXXX had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.

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 02/17/2017 about Mortgage (Other mortgage) with KEYCORP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: After 3+ years of walking into key bank every month to make my payment & waiting 10- 20 minutes EVERY single time to make my payment which by the way includes extra principal. The wait is because key team members at every level teller, mgr, executive office can not locate their own loan. I was told by the branch mgr at the XXXX office that the wait is my fault & I 'm doing it incorrectly the payment is intended to be mailed. This occurred in XXXX. In XXXX 2017 I sent my payment via billpay to keybank the check was rec 'd & deposited on the XXXX it was sent on the XXXX. but never credited to my acct. I phoned the number on my invoice 3 times once to est. where to send XXXX ck & twice to verify receipt of my cancelled ck & deposit to an acct at Key, but not MY acct. After no resolve, I contacted the exec. offices at key spoke with & emailed XXXX XXXX & he refused on XXXX to acknowledge receipt of my info. Again he refused because he could n't find my loan or info JUST LIKE EVERY OTHER TELLER I 've ever worked with. I am VERY CONCERNED about the security, & integrity at key bank. The obvious inefficiencies of their system not to be able to locate their own loan & cause so much XXXX to a customer regarding very simple info ; " Did you receive the payment? '' I really hope others do not have to go through this terrible experience which at this point involves over 2 hours on the phones with key team members, contacting my own bank for verification, & STILL has not even been acknowledged with a simple yes, we 've rec 'd, no we have n't. It 's beyond ironic that key claims to assist woman XXXX & in my 30+ years of business this is clearly the worst experience to date.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Medical) with Collections Inc (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: this is a followup to case # XXXX. When they found out I complained to you, they had a lawyer send me a letter about this complaint. Apparently I am being sued for filing a complaint with you. It didnt say in the letter any legal action was pending but why else would they hire a {$250.00} an hr lawyer to write me a refutation of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with LEXISNEXIS (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is not an account I want nor need applied for

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 08/28/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: We are waiting on a modification so that my mother and I can assume the loan. We completed the package and we did not get an answer from the company. XXXX. I have had some mail returned by the post office, like for court dates or for the Human Services Department for Medicaid or XXXX. The post office at my home is staffed by people who change every couple of months and the issue restarts, misdirected mail. I recently came back to my home and I was alerted that the mortgage is not going to honor their modification/assumption workout and instead has filed a notice of completion of briefings and demands foreclosure by summary judgement. 
We did all the company wanted, we can afford the house, we receive income, and we just made the payment, I am including the statement of the Escrow company who is taking the payments for over two years, which is really, credit worthiness to so good on the loan, however, the interest rate and the legal fees and interest that the company alleges is due make the loan so inflated! The rate is XXXX points higher than ( high cost ) the prevalent rates and my mother XXXX XXXX is dropping all her social security ( SSA ) income to make the payments at the demise of all her other bills. I was helping until I got physically incapacitated to work ( letter from doctor ) and I am better, I will be able to reintegrate to the workforc soon, XXXX. I am asking for XXXX accomodations on the issue or response, I was XXXX. Instead of reaching out to us, via mail, phone or else, the bank filed a completion of briefings and demands the court to foreclose. We are occupying the property, keeping the lights and heat and water and repairing it and maintining it and we want to keep our house, please do not let this house go to the XXXX investors, this is an owner occupied home, please help us to decrease the blight eyesores in the neighborhood that depressed values and that contributed to our inability to refinance in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX since the property was and still is underwater. we just made the payment and will include proof of that. We put the property in my name as per request of the bank so that they will grant the modification, we did all they wanted. I will include the XXXX payments I will soon receive through the division of vocational rehabilitation which I qualified for and the social security of my mother, our tANF assistance for my minor child, SNAP and all again, if they wish, current statements but keep us communicated, now word from the bank about a modification and they filed in court a completion of briefings, what is that??? Let us keep my mother and I ( XXXX and XXXX XXXX XXXX XXXX ) the home that we are living in and raising a family with minor and XXXX kids

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been working with Transunion for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Transunion? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to 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 non-monetary relief
Consumer complaint received 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they claim I owe XXXX XXXX dollars I called XXXX and they said XXXX lady 's XXXX of XXXX and XXXX of XXXX my account with my password which was my XXXX name after I filed bankruptcy which they were to have closes XX/XX/XXXX when I filed, but fell though the loops, the XXXX lady used to rent off of me in XX/XX/XXXX/XX/XX/XXXX so of course she new my only XXXX name is the only way I can explain I told them to go get them for fraud and never heard from them again until I seen on my credit rerport

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On or about XX/XX/2016 I contacted my student loan servicer, Navient and requested the following information be mailed to me : 1 ) Copies of my XXXX promissory notes ( aka copies of ALL original loan paperwork ) 2 ) XXXX schedules for each of my loans detailing the following balances/payment applications/account status on a monthly basis : a ) Beginning monthly balance ( starting with each loans origination date ) b ) Payments - including amount of payment applied to interest and principle each month c ) Interest charged each month d ) Ending monthly balance XXXX ) Loan status each month ( forebearance, current, etc. ) I was told I would receive all original loan paperwork, promissory notes, within 30 days. I never received this paperwork. 
I was also told they were not able to provide me with XXXX account details as they only retain such information for six or eight years. Given the recent news of Navients big fine for illegally appling payments, I now understand why I they did not provide me with this detail. 
I now ask for your help to compel Navient to supply me with this information timely.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Private student loan) with MRS BPO, LLC (PR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 01-06-2018 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Struggling to pay your loan

Complaint: I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. 
They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. 
The store manager even came to my house today depending payment! 
A day which the office is closed!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with ProCollect, Inc (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I 've been going back and forward with this company about this debt not belonging to me. They have started to contact me by phone, attempting to collect a debt not owed. After speaking with an attorney, I decided to see if this company is licensed to collect debt in Louisiana, but it turns out that this company 's status is " inactive '' in Louisiana. Louisiana requires a license to collect debt. Therefore, they should n't be attempting to collect a debt from me. This company is harassing me about a debt that I do not owe them. I ask that this company do not contact me anymore and REMOVE themselves from my credit reports. If this company can not provide me their license to collect debt in Louisiana or an agreement with my signature stating that I agreed to pay them and not another company then they should REMOVE this debt immediately.

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 07/26/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: My husband and I have joint checking account at Citizens Bank in XXXX, PA. Last week he presented his payroll check to be cashed on Friday and it was denied. Saying that the funds would n't be available until SATURDAY! Never in our lives did we have a payroll check denied on a Friday. I was livid and called the manager. she made and exception and told me that everytime he would bring in a payroll check he would have to ask her to have it cashed on the Friday it was presented. The company he works for is actually only about XXXX from the bank. No history of complaints, it 's just their POLICY! We think this is terribly wrong, never had it happen before anywhere! Please report this and help us find out how in the world a bank can refuse to cash a payroll check when presented? Thanks so much, we are pretty much done with the banking system - XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Problems when you are unable to pay

Complaint: I called Ally Financial multiple times during XXXX XXXX and XXXX to discuss my account and the impacts of being near XXXX days delinquent. I went online to make a payment, and submitted on XXXX XXXX, so I would not have my credit hurt. Upon going online I found Ally offered no disclosures about payments made on the weekend. Speaking with an agent she noted my account to which I received a call on XXXX XXXX only to be told my account was past due since XXXX 2015. The XXXX agent I spoke with showed my credit file was not updated and I would not be reported as being XXXX days past due since a payment was made. I received notification from XXXX XXXX of new reporting information, which was a delinquency reporting from Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Sallie Mae is reporting XXXX paid and closed account. XXXX consolidated paid and closed account and XXXX open account that I am making payments on and they are refusing to remove the paid and closed accounts because they know that it is affecting and ruining my credit. There is no reason for these accounts to remain on my credit report. I have requested these paid/ closed accounts to be removed as there is no reason for them to still be reporting and on my credit report. They are paid and closed. Why XXXX refuses to remove them is beyond me. Maybe because they are a government agency who is dead set on ruining people.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX 2017 ; I spoke with the company when they called in the morning and told them that I was exercising my right to have them contact me via mail and no longer by phone. 
I 'm attaching screenshots of the harrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (FHA mortgage) with Seterus, Inc. (PA).
Issue: Struggling to pay mortgage

Complaint: I received a act 91 notice from seterus, my mortgage servicer. This company is well aware that XXXX  XXXX placed me in a modification problem that ended XXXX 2017.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, Experian violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that Experian will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.

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