milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My daughter can not afford her student loan payment and is trying to get it lowered. In order to do that, she is trying to get me released as the cosigner on her student loans. 

She has been consistent with making payments on time for years and yet, they wo n't release me saying they want all my financials. 

Navient said this is preventing them from working with her on lowering the payments. 

Scams!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease

Complaint: Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX , RBS/Citizens sol d Charter One  Bank to  XXXX   XXXX . As a Charter/Citizens customer I was informed all accounts had been transferred to  XXXX   XXXX .In  XXXX   XXXX , I was informed by Citizens that it had retained my ( unused ) HELOC and that it was scheduled to expire in  XXXX   XXXX . Upon researching  ( IL  ) local institutions for a new HELOC, I was encouraged to review our credit report as it would effect ou r credit score which would be used to identify the interest rate we would be charged. Upon examination of my  credit report, I saw that Charter/Citizens had informed credit agencies that some overdraft lines of credit were closed while not others with the transfer of the retail accounts to  XXXX   XXXX . I was informed by local lenders that said  OPEN a ccounts would affect our  credit score.      I have personally contacte d Citizens on two occasions and with my personal (   XXXX   XXXX    ) manager   also twice. Recently, Citizens informed my current  XXXX   XXXX  manager it could do nothing unless I was sitting at her desk and I would confirm she had my authority to talk to Citizens on my behalf. We did so this a.m., afte r forty five minutes of pass-the-buck, Citizens ter minated the call. I can not be the only form er Charter One customer who 's  credit report still contains such erroneous information. All that is required of Citizens, in my view, is to inform the credit agencies that ALL these accounts are closed ; and it will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Consumer Loan (Vehicle lease) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Taking out the loan or lease

Complaint: I have a lease auto loan and I want to payoff the pending amount. 
The Bank ( Banco Popular de Puerto Rico / Popular Bank of XXXX XXXX ) is calculating my cancellation amount using the Rule XXXX. In addition, they claim a cancellation fee. 
Therefore, I 'm receiving a double penalty ( using rule XXXX + cancellation claim ). 
Does the federal code allow use of rule XXXX? It is like a penalty for the consumer who want to pay off the loan before the loan time. 
Does using double penalty is allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I received an offer to open a Citigold checking account, make bill payments and debit card purchases. This offer was valid until XXXX XXXX, 2016 and had the terms of doing the following within he first 60 days to earn a promotional XXXX. 
Debit card purchases of over {$1000.00} Two consecutive months of bill payments I opened my account on XXXX XXXX, 2016 specifically for this promotion and met these terms with bill payments in XXXX and XXXX and debit card purchases greater than {$1000.00} prior to the 60 days. 
I followed up with Citi in early XXXX to confirm when the promotional miles would post to my account and they responded a week later saying I did not qualify for the promotion, which is blatantly false. I immediately contacted them again and they said they would research the issue and get back to me but did not have a timeframe they could commit to because they are busy. These are classic illegal business practices taking advantage of consumers, including but not limited to : Deceptive advertising Bait and switch Run around I met the requirements of the offer, Citi has confirmed this. I am owed the miles that Citi has promised based the terms and conditions of the signup bonus they offered me, that I have met and included in the attachment to this complaint. I want this resolved quickly without further runaround and delay. 

This is an account that has a $ XXXX monthly fee, so be stalling they are costing me money and opportunity cost for other honest businesses that uphold their commitments to their customers.

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 09/19/2016 about Credit card () with ARS National Services, Inc. (NC).
Issue: Delinquent account

Complaint: I had originally established a repayment plan which consisted on XXXX mo repayment plan, when I had XXXX payments left on the repayment I was in an auto accident which caused me to not be able to make the last XXXX paymen ts of the repayment plan. ARS national services did not contact me in any form till several months later by mail to enable me to fulfill the plan., The amount left was approximately {$170.00}, but now ARS is stating a balance of {$1700.00} approximately. When I spoke with a representative on the phone she stated they had called me several times but did not leave a voicemail, that the company would not leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A XXXX ran a background check on me and you 're reporting that I 'm a registered XXXX. This is absolutely inaccurate and I want this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Debt collection (I do not know) with CITIBANK, N.A. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Citibank continues to make calls to my home concerning a debt for XXXX XXXX. We have told told them onXX/XX/2015, XX/XX/2015 XX/XX/2015, a total of 21 calls, speaking to a XXXX and XXXX this is not our debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've responded to NCB Management Services Inc every time a letter has been sent to me. I have never done business or signed up for any credit with XXXX XXXX XXXX XXXX. I 've requested proof such as a signed agreement, payments made, credit received, etc so it could be forwarded to law enforcement, but have yet to receive anything but more letters demanding payment for # XXXX. I ask that they stop contacting me and remove this account from my personal credit report as it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I sent in XXXX for an appraisal over a month ago.It was for eliminating PMI. Seterus told me it would be completed 3 weeks ago. They cashed my check but never did the appraisal. I 've called twice but the girls who answer the phone have no answer. Senator XXXX office sent a fax a week ago today. -- still no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Closing/Cancelling account

Complaint: All of my CITI bank credit cards were closed without my permission. I was provided a letter which did not provide a specific reason nor did it provide a telephone number for me to call and obtain a specific reason. This is a violation of federal law ( Equal Credit Opportunity Act ( ECOA ), as implemented by Regulation B, and the Fair Credit Reporting Act ( FCRA ) ) I was not refunded the annual fees on any of my accounts, even though I just paid some of them. I paid every bill on time and did not engage in any illegal behavior or any behavior that violated the terms and conditions. CITIbanks actions are theft, breech of contract, violation of federal law, and possibly discrimination.

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 12/14/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: When I opened my checking account I made it clear I did not want overdraft protection, and that the bank should decline charges if there is insufficient funds. Well on XXXX/XXXX/16 by account had insufficient funds, and I was charged an overdraft fee 4 times. Also I was not notified that my account was overdrawn until XXXX/XXXX/16 in my opinion this was as deliberate attempt to collect for fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with 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 explanation
Consumer complaint received 10/19/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with Professional Recovery Management (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This has been paid for years now. It has showed up on my son 's credit report because we have the same name, Fox Collection is just moving it from one report to another. I want it removed from all three of my credit reports, and for their best interest it better not reappear on my son 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX Firm and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XX/XX/XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian falsely states that they investigated a dispute regarding XXXX public records. They stated that they contacted the Courts to validate and verify the info. They lied. I provided a letter to them from XXXX XXXX, Clerk of Court with the United States Bankruptcy Court of XXXX District of Texas stating that they have not and have never spoken or corresponded with EXPERIAN at all .They then sent a letter stating that they verified with a third party, However they refuse to disclose who this third party is and when they verified it. They are blatantly in violation of the law.I want the name of the third party, who they spoke with and I want it deleted from my report.

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 03/18/2017 about Credit card () with DISCOVER BANK (VA).
Issue: Closing/Cancelling account

Complaint: I put in my application for credit with Discover on application ID XXXX. 
On XX/XX/XXXX, it was denied for the reason of 'STATUS OF EXISTING / /PRIOR DISCOVER CARD ACCOUNT ' I called Credit operations on the provided XXXX on the denial letter and though XXXX ; XXXX ; XXXX and finally XXXX all forwarded my request for information to each other, all I could get was 'your prior account was revoked ' ; when I asked why, no answer was provided. XXXX then provided a new number XXXX. That number is not accessible as of the time of this complaint. 
I suspect given I had previously reported Discover ( XX/XX/XXXX ) to CFPB for wrongful action on my account, I was 'blacklisted ', my account-fully paid-revoked and wrongfully denied future credit requests as retaliation. I suspect this because the same document denying me credit has my XXXX score at single digits from XXXX. 
Help me figure out why my account ending in XXXX was REVOKED as I never requested closure given its effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: my wife died XX/XX/XXXX and I sent copy of death certto Green Tree financial and requested loan be in my name only, title to property was also changed to my name only. Green Tree change loan to reflect this. XX/XX/XXXX I filled for bankruptcy and Green Tree changed the loan back to XXXX our names and refuse to change it back to my name only, also they issue all tax statements in my wife 's name. Can not understand how they can carry this on since my wife is dead and I pay all bills and all tax statements should be in my name, how does a company issue tax statements and loan info two years after some one has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with AmeriCash Holding LLC (WI).
Issue: Charged fees or interest you didn't expect

Complaint: Good Evening! 
I took out a payday loan with Americash Loans about 4 years ago. The loan was for {$500.00}! Now my wages are being garnished for {$3000.00}!! This is insane and not heard of. I had 2 other loans that I fell behind on and they stopped the interest and let me pay. I am just disgusted and cant believe they are able to do this! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a custodial account at Chase in 2010. The account is for the benefit of my adult son who receives Veterans Administration and Social Security Benefits payments. My son is a XXXX of the United State XXXX XXXX. I am by written agreement the VA Federal XXXX and I am the XXXX Representative Payee. I have had use of the Debit card associated with the custodial account since the account opened. THE PROBLEM IS THAT : Chase terminated the debit card, effectively restricting access to the beneficiaries funds. I can not pay his cell phone online. His gym membership, which is paid through the debit card will not be paid. I now only have access to pay his bills by paper check, money order, cashiers check, ACH or cash. I can not use cash as the paper trail is lost. In today 's world checks are not adequate to pay online transactions or accepted at many institutions. Therefore many areas of commerce are not available for me to utilize to provide for my son 's financial needs. I have approached Chase up through their Executive Office and I have been denied the debit card. Again this is the debit card that I have been using for four years. I am the authorized user of this custodial account, my son has no access to the custodial account. I transact the financial business for my son. Chase holds his funds and by denying the debit card Chase is denying access to my son 's funds that are necessary to take care of his financial needs.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. 
Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They mishandled my information, which puts me and 209,000 other people at risk. I am also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation