milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Settlement process and costs

Complaint: We recently refinanced our mortgage loan to remove the need for monthly mortgage insurance. During the escrow period, we received XXXX a Good Faith Estimate and a HUDXXXX settlement statement of all closing costs ( neither of which mentioned anything about an XXXX certificate needed with a cost of {$70.00} XXXX. We also never received any communication from our Lender explaining to us about this cost which could also have been paid for outside of escrow. 

After escrow closed, we received a prompt payment check for the balance of funds to be paid to us as a result of the cash out refinancing. It matched the amount from the HUDXXXX settlement statement. 

About XXXX weeks later, we received a surprise late notice of payment from our XXXX for the amount of {$70.00}. I called them to find out what this was about, and I knew it could n't relate to our XXXX dues ; since we have an automatic debit from checking set up to pay for that. They explained that they received the request from a Lender for an XXXX cert and sent me an email with a copy of all the paperwork that was faxed back and forth attached, and that they never received any payment to apply to our XXXX account. 

I then contacted our Lender and left a voicemail with our loan rep 's supervisor ; since neither one could be reached live on the phone. I also forwarded the email from my XXXX with the attached fax documents to them. After being told it would be forwarded to a manager for review, I have not heard anything back for XXXX weeks. 

I feel that this will not be resolved unless your agency gets involved to get an action response from the Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never had a XXXX account in my life and my credit shows that i have iask them to correct this many times and they still have done nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had a total of 3 loans from XX/XX/XXXX to XX/XX/XXXX, With XXXX XXXX XXXX. In trying to collect, they harassed me at work, by phone, asking for unreasonable amounts of money I could not possibly pay, and were not willing to be reasonable to try to work out a settlement. In XX/XX/XXXX, they took me to court and I was sued for the full amount. They did not possess the original documents, but I wound up settling with them for a lesser amount to keep from paying the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017 I used a transfer balance check for the amount of {$6600.00} USC. to pay out A credit card from XXXX XXXX XXXX XXXX never receive that check ... So now this company posted the whole amount in my account and dont want to credit or reimburse me that transfer Balance that I never use, perhaps I have the balance of {$6600.00} USC. In both accounts .... since XXXX XXXX, 2017 I open many cases and investigation with no results, I spoke to different supervisors to try to resolve the problems but they given me the run around.. Its been almost 5 months since this incident and still nobody has giving me any solution to this problem, its a shame that such of big company has so poorly customer service.. My credit report dropped 50 points because of this incident and all they keep saying is we sorry but no actions..

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 10/25/2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: on XXXX XXXX, 2015 there was an ACH transaction withdrawal from my account without my permission for {$750.00} to a company bamed XXXX. this ACH transaction caused my business account to go into a negative balance. when I noticed the transaction on XXXX XXXX, 2015 I immediately called my bank and spoke to the claims department. I explain the situation that this was a fraudulent activity that I have no knowledge or no relations to XXXX or the bank that was involved as well named fifth third Bank in Michigan. XXXX XXXX filed the claim XXXX XXXX filed the claims for me and told me I would receive a refund in 12 hours or up to 1 to 2 business days. When I followed up on XXXX XXXX, 2015 with XXXX who holds my business account at approximately XXXX XXXX I was told that my claim was denied because I needed to make a claim within 24 hours of the transaction. before finding out that my claim was denied I have been going back-and-forth with the XXXX the claim department and the claim department from fifth third Bank. From here I was able to claim the company ID and the trace number in regards to this transaction. after finding out that my claim was denied I had spoke to my branch manager at XXXX to have a representative called the claim department in regards to the situation. I was able to retrieve my contract that I had signed with the business account. On Monday, XXXX XXXX, 2015 I have to call the XXXX claim department and they will be contacting fifth third bank with me on the line in regards to this transaction. I have filed a claim two times more after the my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 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: TODAYS DATE:XXXX PLEASE UPDATE MY PHNOE NUMBER TO MY FRAUD ALERT:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX - XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i requested my credit score in XX/XX/XXXX and was told that I had to submit to providing information to show who I am. I have submitted my state id and my social as well as my address. I have yet to receive my information. Instead they have placed me on credit fraud alert and sent me the information for me to send again

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 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Mathematica  lly, the best way to reduce the amount of interest I pay on my portfolio of loans is by paying the minimum balances on the lowest interest loans and allocating the rest of my payment to the highest interest loan. This is known as the " avalanche '' repayment method.
If you submit a monthly payment to Navient online that is larger than the minimum payment, Navient simply allocates the surplus evenly across the portfolio of loans. Anyone who understands the compounding interest formula will know that is the best way for Navient to maximize the amount of interest it collects from its users.
<P/>
Navient does not current  ly allow its users to utilize the avalanche repayment method through its online interface. The only way to do this is by physically mailing them a monthly check with handwritten instructions for payment allocations. In  XXXX , this is a pure evil.  <P/> I reached out to  Navient  about this in the fall of  XXXX , but they did not take my feedback seriously as the functionality is still not there for avalanche repayments online.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name is XXXX XXXX and I have an account with American Express. I asked for and got an additional card for my wife. This card is tied to my personal account and is not a new account with American Express. This is verified on their website and pre their representative. One week after getting the additional card, American Express added the account to my wife 's credit report as a new account with an outstanding balance! But, it is not her account and she is not liable for the balance due or the monthly payments due. 
American Express needs to remove this information from her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion has failed to provide requested information regarding a Bankruptcy # XXXX listed on my credit report. I requested verification on who reported this Bankruptcy and have not received the requested information to date. It has been more than 30 days.

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 09-12-2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Other

Complaint: I have an XXXX credit card sponsored by Chase Bank. It 's the Chase XXXX card. XXXX and Chase are terminating their relationship on XXXX/XXXX/15 and now Chase is telling me they are going to convert my Chase XXXX card into their Chase Freedom credit card without my permission. I do not want to be transferred into a Chase Freedom card. I am telling Chase not to convert me into a Chase Freedom card but they tell me I have no choice other than to shut the Chase XXXX card down now instead. The problem with that is that the agreement I signed with XXXX let me earn XXXX travel points by using the Chase XXXX card BUT I CAN ONLY KEEP THOSE POINTS SO LONG AS I MYSELF DO N'T CLOSE THE XXXX CARD DOWN. So I ca n't shut the XXXX Chase card down without losing my earned XXXX points. I have told Chase I want them to just allow my XXXX credit account to fade into nothing without me shutting it down because if Chase lets my card fade away ( on XXXX/XXXX/15 ) then that will be Chase killing my card instead of me killing it so in that case I would get to keep my XXXX points. Remember, I ca n't shut down the XXXX Chase card MYSELF ( without losing my EARNED XXXX rewards ) but if Chase shuts down the card on their own then I do n't lose my earned XXXX XXXX points. 

Chase will end my XXXX Chase card but Chase intends to convert my Chase XXXX account into a Chase Freedom account without my permission and against my will. They are imposing a new credit card on me - the Chase Freedom card. They say they have the right to change the terms of the card per the cardmember agreement but they are not simply changing the terms. They are forcing me into an entirely new credit card against my wishes. 

I want them to let my Chase/XXXX card fade out of existence when XXXX and Chase end their relationship but I do not want to actually close the XXXX Chase account myself. I also do not want Chase to force me into their Chase Freedom card without my permission and against my wishes. 

You see, I plan to apply for a Chase Freedom card on my own in the near future and if I do that then I would get a signing bonus of a 15 month ZERO percent interest rate for the first 15 months PLUS {$100.00} for spending {$500.00} in the first 3 months, but I only get that if I apply for the card on my own. If, on the other hand, they forcefully convert me into the Chase Freedom card ( from the Chase XXXX card ) then I do not get that ZERO percent for 15 months and I do not get the {$100.00} for spending {$500.00} in the first 3 months I have the Chase Freedom card. 

They 're basically forcing me into a card that I plan to apply for later, but if they let me apply for the card later instead then I get a nice bonus ( 15 month ZERO percent interest & {$100.00} cash for spending at least {$500.00} in the first 3 months ) and if they get away with forcing me into the card instead then I wo n't get that bonus. 

They 're trying to rip me off. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A balance of {$220.00} from XX/XX/XXXX-XX/XX/2015 was incurred by my estranged wife, the XXXX cable account was cancelled as of XXXX/XXXX/2015 and the account was affiliated with my wife 's social security #. Now on XX/XX/2015 I find that a collection agency has place a negative entry into my credit report. I asked XXXX to contact their collection agency, They neglected my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with The Best Service Co.,Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITYXXXX CA XXXX XXXX XXXX 2017 To Whom It May Concern : Your firm has continuously contacted me over an alleged debt in the amount of {$250.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and they corrected the problem. I am not sending the same documents to Experian so they can see the payments were made and remove the derogatory marks from my credit 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 non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

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 12-02-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened a Checking and Savings account with Santander bank in the beginning of XX/XX/2016. I ordered several books of checks through the bank for {$17.00} when I opened the account. About a week later I got materials from the bank associated with my new accounts in the mail : a welcome package, a debit card, and the books of checks. They misprinted my name on all of these documents by including my name 's suffix before, not after, my last name. For example, XXXX XXXX XXXX instead of XXXX XXXX XXXX . 

I could not use the checks I received because they did not legally have my name on them. I emailed Santander about the misprinted checks. After a few days of no answer I bought checks from a third party. A few days later they replied : " You may return a box of checks that you ordered through Santander Bank to any conveniently located branch. If all of the checks are unused, you will receive a full refund of the amount you paid towards the cost of the checks. '' I had already called Santander 's customer service department and talked with them a representative who fixed my name in their system and sent me a new debit card which had my correct name. So the only thing left to do was return the checks to my local branch which I did. I handed over the checks and talked with one of the employees about my {$17.00} refund who said that he would talk with the representative who opened my account and get me my refund. 

After a few weeks of not seeing a refund in my account I emailed the representative who opened my account, no response. I emailed again few months later and no response. I still have n't been reimbursed for my checks.

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 10/20/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For almost a year, I have been filling our paperwork sending in information on getting an IBR payment plan. For the last 6 months, I either did not receive any notice of denial or when my denial came it was little things that they did not find in the previous applications. For instance, they denied my one application because my husband did not sign it ... but he actually did. However, they did not contact me until after the 30 day time frame so I had to resubmit. Then they denied it again because I checked an extra box, but they did not tell me that was the issue the first 3 times I submitted. After resubmitting the last time a month ago, I have not heard anything from them except to demand the loan in full. I have sent all my paperwork in over and over again and still they refuse to work with me and each person tells me something different. Even with a third party on the line trying to help ( XXXX XXXX XXXX ). At one point I asked them to verify the date they mailed off the letter I am defaulting on loans that I want to pay, just at a lower rate. Unfortunately, they made the process so tedious and difficult that it has made dealing with loan harder than it should be. Even after the letter demanding the full amount of the loan I get an email saying my forbearance is excepted. I honestly do not know what to do any more.

Company response to consumer: Closed with explanation