milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Deposits and withdrawals

Complaint: I am having a checking account with Citi. 
Have these kind of issues : 1 ) They do n't provide online access by default. Moreover they never told you whether you need to do that or how to do that? Somehow i got the online access. 
2 ) I wanted to close the account so I wrote a check to my another Bank account ( at XXXX ). Prior to that I asked Citi via Secure message center that i am transferring all the balance via check ( external transfer ) and let me know if there is any issues ( or fees or penalties ) -they said go ahead and account will be closed. I wrote and submitted the check into my XXXX account on XX/XX/XXXX early morning ... and Citi account was suppose to be closed on XX/XX/XXXX after check clearing ... 
Today ( XX/XX/XXXX ) - i come to know that my Citi check has been returned. XXXX charged me return check fees of {$7.00} also. 
When i reached out to Citi and XXXX both. Citi told me that I should have authorized the check ( what??? ) -did n't i told them when i wrote to them last week via secure message center about it? 
Moreover Citi send me the check book - no where it 's mentioned that writing check is blocked and i need to do something to unblock it. Moreover none of the banks in USA does anything like that. So if Citi is doing it differently ( in it 's unique way ) - they should educate the customer before head rather than this sorry situation. I chatted with Citi and also called their customer service. they are not willing to do anything it seems ... mere apologies but nothing more than that. I wasted my time and money and energy for no fault of mine but these weird ( and unknown to customer ) rules of Citi. In other words - Citi is making it too difficult when customer is trying to take his/her money out of the bank account. 

Needless to mention - the account had sufficient money to honor the check. If there is anything required by Citi ( like it is genuine check and customer only had written it ) - they should have called me or informed me at least ( they had my entire contact details as they collected it during the account opening process ). Moreover i wrote the check to myself ( just from Citi to XXXX ) - so there is not even a single reasonable person who will believe me on this nuisance caused by Citi.

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 01-11-2017 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. 

They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. 

I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. 

Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. 

Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following information TransUnion is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my XXXX account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX TransUnion is showing the same XXXX  account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. XXXX was paid {$150000.00}. 

6. My XXXX account is current with a balance of {$29000.00}.

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 06-05-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I went to Wells Fargo to make a deposit where I have banked for 25 years. The was a cash deposit. I went to the teller and swiped my card through the machine and I gave the money to the teller. She put the money in the counting machine and came back and made out a handwritten deposit slip. When I checked my statement I noticed the deposit was not recorded. I went to the branch manager and he checked it and said that no deposit was made. No one in the bank seemed to have any interest in this incident. The people working at the bank told me that they were sorry, but there was nothing else they could do. I went to five different branch managers and they said they would look into it, but none called me back. I got the district managers number and I left him a detailed message, but he never returned my call. I asked them to check the camera and tellers transactions, but they said that it could not be done. The reason I am so upset is that is most of my life 's savings. The total amount is {$8000.00} made in two separate deposits ten minutes apart, but I was there for both deposits. I had someone with me, which is  a witness to the whole incident. I will be glad to talk to anyone if you need more details.

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 10/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am XXXX XXXX XXXX and and suffering financial hardship because Chase Bank has frozen my account making it difficult for my to pay for necessities. I believe they did it because I was the victim of a scam. I was sent a check from someone who said he wanted to work with me on a project. I later learned he was a scammer and that the Check he sent me was bad. I had no involvement or knowledge that it was a scam. The bank has not resolved this timely and has frozen the account and is holding about XXXX. 

Please assist me with this matter as soon as possible. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years?      XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An apartment complex has sold a debt to XXXX XXXX in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and XXXX XXXX. Both equifax and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debit, and they will not provide me with this verification. The reporting agencies and XXXX XXXX refuse to remove the account from my report and my next step is legal action

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Let 's refer to complaint XXXX.Wells Fargo responding to a firm we hired to aid in the loan mod process stonewalled that firm for a long period of time.A complaint was filed XX/XX/XXXX move the process along WF response , ask for 60 days.On XX/XX/XXXX they moved for summary judgement.On XX/XX/XXXX they notified our firm l/m had been granted, and confirmed that onXX/XX/XXXX,4 days before having the court grant it.They again confirmed the L/M XX/XX/XXXX.IS THIS NOT CLASSIC WRONGDOING AND DUAL TRACKING!?

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 05/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: It comes time to start paying my stu dent loans. Navient is handling  my student loans, and after mailing them a check they took the money, and did n't attribute it to my payments. Effectively stealing my money. The money disappeared  XXXX / XXXX / 17  Check #  XXXX   ( Converted ACH ) NAVIENT CHECKPAYMT {$140.00}. All I see when logging in is capitalized interest with " no payments '' ( trying to steal more money by means of interest it seems ). I t ried calling them on  XXXX / XXXX / 17 , and was told by a representative that I sent the check to the wrong office. I was also told they would send the check back to me. Even if they do send the check back, they have still taken the money. I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I made a {$300000.00} electronic payment XXXX XXXX, which was confirmed by outgoing bank ( XXXX XXXX XXXX ). Bank with mortgage XXXX Citizen 's one ) lost payment, after finding it XXXX, they are not posting to correct date to account for lost interest. Every time I call they give my run around claiming it is posted correctly to the XXXX date. However there is no such documentation. Even when I check online. Most recently they reversed my $ XXXX payment and applied to XXXX making my principle increase. I have called multiple times and get told something. There is no one from finance dept that costumer service can turn to. On multiple time I was told I would receive call but did not. In summary, I a made a $ XXXX down payment to my principle balance to reduce interest, but this has not happened. 6 weeks of interest still charged and not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing/Cancelling account

Complaint: My credit bureau score dropped XXXX points. Upon checking I found that there is a charge of {$26.00} reported delinquent by capital one. I called capitalone to check as all my accounts with them are fully paid. They said that they had a charge of {$3.00} on my account in XX/XX/XXXX. This account was closed by me in XX/XX/XXXX. The person had no idea why a charge was approved on a closed account. They charged another {$23.00} late fee and reported a charge of {$26.00} to credit bureau significantly lowering my credit score. They did not give me any date of resolution of the issue. This is a huge operational risk event. We had plans to refi our mortgage which was postponed due to this XXXX by capitalone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute with Transunion Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Transunion could not conduct a fair and impartial investigation of my dispute. I was told by Transunion more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Transunion rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Transunion and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for XX/XX/XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection the loan was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX signed me up for an auto repairs XXXX Credit card, and entered my mailing address completely wrong. I never received ANY of the bills for the service, as they went to the incorrectly entered address. After they finally called me about it, I resolved immediately by paying bill, but XXXX had already sold the debt to a third party collector that I did not have a contract with at all. I don't believe it should be allowed that the third party collection agency be able to post negative remarks on my credit about this, since I did not have a contract with them. I also think it was poor business for XXXX to move this to collections before even contacting me to let me know about this bill. All they had to do was call but instead they moved it into collections after not getting any response, because they were mailing the bills to the wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax deleted XXXX AdJ which is a collection account on XXXX XXXX, XXXX but they reinserted the collection account back on my credit report on XXXX/XXXX/XXXX without giving me a 5 day notice of placing the collection back on my credit report. This is a violation of the FCRA and I would like the collection to be removed permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with NELNET, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I continue to receive collection emails from Nelnet for a debt that does not belong to me. I also informed them several months ago that I am actively participating in a Chapter XXXX Bankruptcy plan and that they are breaking the law by sending me collection notices -- especially since I never signed anything agreeing to pay for my son 's school tuition. 

I demand that they cease sending collection letters and cease their threats to increase collection efforts. I am filing this complaint because I am fed up with their insistence that the debt is mine without providing any evidence and that they continue to defy the US Bankruptcy laws. My greatest fear is that they will try to place a collection on my credit reports and I am filing this complaint to prevent that possibility as well. 

I have attached copy of letter I sent to Nelnet several months ago and copy of my Chapter XXXX information. These folks are despicable and need to be warned that they are breaking the bankruptcy law as well as illegally accusing me of a debt that I do not owe. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: In XXXX 2017 Wells Fargo Bank changed the checking account type that I have and purposely picked an account that has requirements they knew my account would not meet. Until the end of XXXX I had an Advantage Business Package Checking which did n't have fees provided I made a transfer of at least $ XXXX/month to a Savings Account for my business. Starting XXXX XXXX, 2017 my checking account was changed to the Wells Fargo Business Choice Checking account with a $ XXXX/month fee. My account met all the requirements to be moved to the Wells Fargo Simple Business Checking account but they chose instead an account that has more features than I need and also has a higher fee threshold. <P/>I did not notice I was being assessed a $ XXXX/month fee until XXXX 2017 when my account numbers were stolen by a hacker via Wells Fargo Online Banking. I was reviewing charges to determine which checks had cleared and I noticed the fees. I went into Store XXXX on XXXX XXXX, 2017 and met with XXXX XXXX XXXX and the Branch Manager XXXX to process the Lost/Stolen Account paperwork. Before we started processing the paperwork I notified XXXX that WFB had changed my account into a type of account I did n't need, want, or request and that I want a simpler checking account. I also asked for the fees to be waived and she said she would take care of it. She then processed the account transfer into the Business Choice Checking account which I did not want and also did not waive the fees before closing the Lost/Stolen Account. After all the paperwork was signed I noticed the fees had not been reversed and asked XXXX to do it, but she had already left for the day. XXXX the store manager said she could n't process a fee waiver on a closed account. I then called WFB Customer Service and they also said they could n't process a fee waiver. <P/>This is yet another example of how WFB slams fees on their customers and then comes up with excuses why they ca n't reverse the fees or make the situation right.

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