milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Mortgage (Other mortgage) with LAKEVIEW LOAN SERVICING, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: Loan Application with Lakeview Loan Servicing Facts : I was gifted funds to assist with a 20 % down payment and closing cost from my children father. We both have separate accounts at the same bank therefore the funds were simply transferred form XXXX account to another. My bank statement clearly discloses the account number where the transfer came from. A letter was provided on the bank letterhead outlining the date and amount of each transfer which reconciled with the express banker deposits that were made into my account, the letter also includes the name and telephone number of the account representative if additional verification was needed. 

A gift letter that was signed and dated by my children father was provided per their request. 

Issue 1 : Request for children birth certificate. 

Compliant : The loan officer is requesting copies of my children birth certificate and claims it is a XXXX requirement. I can see several law suits in the development if this practice continues. 

Reviewing XXXX seller 's guide I found nothing that requires that the borrower provide birth certificates or social security cards for their children. 

Issue 2 : Request for Bank Statements from an unrelated 3rd party. 

Although all financial documents currently provided clearly discloses where the gift funds were transferred from and could easily be tracked the loan officer refuse to accept the document. They are requesting the bank statement from the unrelated 3rd party that gave me the money ( my children father ). The party that provided the gift is not associated in any way with the mortgage transaction other that providing the gif. 

Requesting the bank statements of an unrelated 3rd party is excessive when several alternative documents have been provided which verifies the source of the funds and show the history of the banking activity. 

The loan officer is applying XXXX guidelines and the Patriot Act abusively. 

Either intentionally or unintentionally both XXXX and the Patriot Act guidelines are being misinterpreted and causing unnecessary stress and the possible loss of my {$40000.00} Ernest money if the loan is denied. 

I am unwilling to provide my children birth certifications to apply for a mortgage and unable to provide the bank statement of someone else bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am disturbed that the Credit Bureaus Experian and XXXX  continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar 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 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a promotion in the mail fr om Santander Ban k to open a ne w Business Account  with them in exchange for a {$500.00} bonus. The requirements for the bonus were to maintain an average daily value of more than {$1000.00} for more than 3 months.  <P/> I opened the account with a banker and a {$100.00} deposit. The banker said I could deposit the rest of the money when I got my debit card, which did n't arrive  for 2 weeks. A s soon as I got the debit card I deposited {$1000.00}. I then kept the balance of my new account above {$1000.00} for the proceeding 4 months.  <P/> I saw no bonus deposited, so followed up  with Santander who r eviewed and denied the bonus twice, citing that I had not maintained an average daily value of over {$1000.00} for 3 months.  <P/> It is misleading that the promotion was advertised in such terms, I deposited the funds as soon as I was able ( once I had received my banking card ). If the requirements were to have {$1000.00} in the account from the day the account was opened, they should ha ve A ) explicitly said so in the promotion they sent me, and B ) the banker should have indicated this. I made t he banker aware of the promotion, and she manually reviewed it and entered the promo code into her system when opening my account. She told me that waiting until my debit card arrived would be fine to deposit the full {$1000.00}. Had she told me that I needed to deposit the full {$1000.00} that very day, I would have certainly done so.

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 05-04-2016 about Credit card () with PAYPAL HOLDINGS INC. (WI).
Issue: Unsolicited issuance of credit card

Complaint: This morning I received an e-mail from PayPal Credit regarding my " account ''. As I have NEVER opened an account with PayPal Credit, nor have I ever applied for a PayPal Credit account, I thought the e-mail was a fraud. I logged into my PayPal Account, which has been active for several years, and discovered I had a PayPal Credit account with charges and a credit line of {$2500.00}. I saw charges on the account that I had recently made, but I had no idea how they ended up in PayPal Credit. I called PayPal and was told that I had clicked on " PayPal Credit '' when I made my purchase. I told them that I had never applied for credit, and that these charges were to online businesses that I had used regularly over the years and that my PayPal account was set up through my debit card and linked to my checking account so that charges would come directly out of my credit account. The employees ( I spoke with XXXX of the customer no-service reps ) insisted that I had clicked on PayPal Credit at the time of my purchase. If that 's true -- and I maintain that it is not -- and since I 've never applied for credit with PayPal -- then how was I able to run a charge through a credit account??? This must be some kind of scam that PayPal is running to trick people into using PayPal credit. ( 1 ) No one should be able to click on credit and receive credit unless they have applied for credit with PayPal -- that 's a no brainer!!! ( 2 ) PayPal will not remove the account from the credit agencies -- they require me to fill out a form because they insist that I clicked on " pay with PayPal credit ''. I 'm working hard to clean up my credit to apply for a new loan, and this PayPal account is going to set me back 30 days until that balance clears off the credit report. This infuriates me!!! 
PayPal should not be permitted to sign its customers up automatically for PayPal Credit unless they have specifically asked for credit and filled out a credit application. In my entire adult life ( I will be XXXX this year ), I have never been given any kind of credit unless I asked for it and filled out a credit application. How can PayPal be allowed to get away with this scam? I 've been using PayPal for years. If they 've done something to their check out process to make PayPal Credit the default, then this should not be allowed. PayPal Credit should be a prompt and a confirmation that PayPal Credit was the choice the consumer wanted. I believe this who PayPal Credit is a big scam. 
I have closed my account with PayPal and will be changing my debit card number just to avoid any future scams from PayPal.

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. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since XXXX 2010, I have sent over twenty certified letters to both EXPERIAN and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EXPERIAN : a ) XXXX  Acct No. 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 non-monetary relief
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: Toyota lease on a XXXX XXXX XXXX, 2 years, 24,000 miles. Extended the lease for 6 months as of XX/XX/XXXX. Turned in the vehicle on XX/XX/XXXX, with 22,867 miles on the odometer. Car was in perfection condition. Received a bill from Toyota Financial Services dated XX/XX/XXXX, for {$970.00}, this includes the disposition fee of {$350.00}, a {$560.00} charge for a cargo cover, and a sales tax fee of {$57.00}. I was told that the disposition fee would be waved if I purchased/leased another Toyota within 30 days of returning my previous vehicle. I entered into negotiations on a new Toyota on XX/XX/XXXX, but the dealer did not have the car I wanted in stock, which I 'm waiting on. Toyota Financial says " Too late '' and I have to pay the {$350.00} disposition fee. The cargo cover charge far exceeds the actual cost to the consumer for a new cargo cover, listed at {$190.00}, on Toyota 's website, and genuine replacement cargo cover on XXXX for {$100.00}. I 've asked for a receipt for the cargo cover once they receive payment and at first they declined. I pushed them for a receipt and they said that they would look into whether or not they would provide me with one. I may be able to negotiate the disposition fee with the new dealership I 'm working with, or I may simply decide to buy a car from a different manufacturer especially since I believe Toyota has charged close to 3 times what the cargo cover actually costs.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Property taxes were not paid via escrow on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Payoff process

Complaint: I paid off an outstanding account in full with XXXX credit card. I have asked the company to update my credit report and that they provide me with a letter stating that all the accounts I had with XXXX were closed and paid in full. I have made XXXX phone calls so far and have been unable to get a letter or any results. I had XXXX accounts with XXXX. They keep sending me the same letter for XXXX account but not for both of the accounts especially the XXXX account I paid off that is still showing on my credit report. I called today to report that they only sent me XXXX copies for the same exact account and that I would need a letter for the other account. The XXXX person said I needed to be transferred and disconnect the call. The XXXX person would not give me his name was XXXX with reference number XXXX. After taking all of my personal account information he stated that he was able to review my account letters and saw that XXXX were mailed out. I informed him that they keep sending me the same letter for XXXX account number and needed XXXX different letters XXXX for each separate account I had. He then stated he could not hear me and disconnected the call. This has been going on for over a month at this point and I still do not have the letter I need to get this removed from my credit report, since XXXX keeps stating I need proof it was paid. Please help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Other type of mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Trouble during payment process

Complaint: I had a kitchen fire in early XX/XX/XXXX. I contacted XXXX XXXX and Roundpoint Mortage the next day. XXXX was fantastic theysent an adjuster right out and had acheck with in a week, made out to me and Roundpoint Mortage. I have filled out all of their forms and supplied them with tons of extra paper work. They claim they will send out a check with in 7 days. Its been 5 months the first contractor I hired was an out right theif he was terminated in XX/XX/XXXX he was paid {$1700.00} out of the first and only check received from Roundpoint I also purchased a stove and microwave which were distroyed d in the fire. After contractor was fired my Freind and I removed all insulation and replaced with new cut out burnt sheet rock replaced taped and mudded the whole ceiling and painted the whole upstairs at this point Roundpoint sent an inspector to see the progress she judged it 98 % complete Roundpoint sent acheck made out to me and the terminated contracter I tried to get old contractor to sign the check he refused I informed Roundpoint at this time XX/XX/XXXX since that time they have demanded reams of paper work which has been supplied and they claim they never received it. Their inspector inspected the work judged it 98 % complete I have paid for repairs and XXXX wages out of pocket. They found it good enough to send the check once the work has been done the quality way above what a hired contractor would do. Im the one that has been living in half a house my plants are dying havent been able to cook or have any type of normal life because Roundpoint will not send the money to pay for what has been done and also complete the job. I have pictures before and after. They claim in their paper work that if your Mortage is current you will have your check with in 7 days its been 5 months I want my house back 100 %, Roundpoint should not be able to profit from a fire that distroyed my house They have the Insurance money and Ive fixed the house.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Savings account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Union Bank closed a business savings account without advanced notice or warning, subsequently issue a cashiers check ( without request for signature or confirmed receipt ). They indicated it was mailed on XXXX XXXX, 2016 and has not arrived. They can not confirm whether it was returned or delivered. They are holding our money hostage without any recourse. However, if we request a replacement check they have to wait up to 90 days for the replacement check. Meanwhile they are holding our money hostage. This is for a business and critical backup fund. While we are not a large company it is enough to make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (SC).
Issue: Shopping for a loan or lease

Complaint: Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through

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 11/30/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a payment yesterday XXXX XXXX, 2016 to Loancare from my XXXX and XXXX online banking account ( XXXX ) in the amount of {$2200.00}. My loan number is XXXX. The confirmation number for the payment is XXXX. I checked today both online and on the phone with Loancare and they have no record of having received this payment, and thus the money seems to have disappeared. Under normal circumstances, I would be more patient and wait, but XXXX ) my loan is being transferred from Loancare to XXXX effective tomorrow, XXXX XXXX, 2016 and XXXX ) Loancare has failed to issue a statement reflecting my XXXX XXXX, 2016 payment for {$2200.00} ( see co-pending case # XXXX ). Therefore, I fear that something bad could happen and am very concerned about the whereabouts of the {$2200.00} paid on yesterday XXXX XXXX, 2016.

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 10-10-2016 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: My wife recently found out that an account was opened under her name at first Tennessee bank without permission. I felt concerned and went into my online banking to see if something similar happened with me. and i found out it actually did happen 2 years ago. 
I went to First Tennessee Bank to open a personal loan on XXXX 2013. Apparently a checking account was opened same day. closed 60 days later. no statements were sent to my house. no debit card was ordered and the account was hidden from my online banking. 
I found the statements alert on my email. online banking system is blocking me from viewing any additional account details because the account was closed. 
I have been giving the bank business for 6 years now. they 've made money from me. and it is not honest from the bank 's end to use my info and take the liberty to open and close accounts for any reason. 
at the moment i do n't even know the reason behind this action it could be anything from account opening bonus fraud to money laundering, whatever it is i feel like my info was jeopardized and i 'm entitled to know what the reason it was used for. 
I know a few more people who had the same occurrence and similar complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: On XX/XX/2013, I had a terrible fall and XXXX I did not have health insurance at the time, so this accident amounted to about {$120000.00} in medical bills. I was out of work for approximately 9 months total ( XXXX ). Consequently, I became very behind on a lot of bills and eventually was forced into bankruptcy. I had tried SO many times to EITHER get my payments deferred or get a temporary relief from payments due to XXXX. My XXXX filled out the proper paper work for me, stating it would be at least 6 months until I could work full-time again. Navient REFUSED to give me ANY kind of relief. They would not let me have any lowered payment or deferment " because my loans were consolidated after the cut-off date '' they 'd imposed. They refused any time of XXXX help. 
This is not all. Of all of the creditors that called, Navient was the most persistent. From XXXX until " quitting time '' at about XXXX EVERY DAY. Even the hospitals ' collection agency was not as persistent! This, in addition to trying to not XXXX so I could heal, was horrible! In fact, my XXXX is STILL not healed after over three years! 
As they were part of the bankruptcy, the Trustee gave them a payment of approximately {$3000.00} so they are telling me that I do n't have a payment for awhile. I do n't think that it 's a coincidence that they 're doing this just as their company is under scrutiny and law suits?!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with USI Solutions Inc. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I XXXX XXXX XXXX XXXX, XXXX would like to file a complaint against this debt collecting company called USI Solutions they are aggressively trying to pursue me to pay a loan that I have never in my life seen or received a check for .there number is XXXX this is some fraudulent loan and I 'm not paying for a loan I do not owe.University XXXX I have never attened a online school this is some type of Identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent letters to this company asking for verification/validation via my signature showing that this debt belongs to me. I have received no reply and I have disputed it to the credit bureaus of which they continue to validate without proof.

Company response to consumer: Closed with explanation