milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Mortgage (FHA mortgage) with AMERISAVE MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/2016 I finally closed on a loan via Amerisave. It was an incredibly difficult process. Many times Amerisave made promises not just verbally but in writing to both myself and my realtor that just were not true. For various reasons my closing was delayed about 4 times. At XXXX point, they denied my loan right before closing. Then admitted mistakes. The subsequent loan closing delays also due to the Closing Attorney that was understaffed and delegating most of the work to inexperienced paralegals. 
About XXXX weeks after my closing I was notified that my loan was being turned over to a different servicer " XXXX ''. I had some questions about 2 months ago about PMI removal and XXXX informed me this is not possible with FHA loans. I was surprised. They told me it was in my initial loan disclosures. When I asked them to point it out to me they could not find it, nor could I. They stated they would research it and send me the documents. Today after more than a month from my request, I received the documents. It is very obvious that they were " doctored '' and my signature " forged ''. The date noted on the paperwork ( was not my handwriting and dated XX/XX/2016 ) The figures and interest rate amounts were old/outdated and the first page even indicated that the paperwork was prepared in XX/XX/2016. I strongly recommend using your own attorney for closings. Not Amerisave 's although theirs is cheaper and also not using XXXX recommended by your realtor. Be cautious of using Amerisave. They will also not give you the {$1000.00} at closing if your loan does not close in 30 days as promised on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received several phone calls from this company about debt for {$110.00} {$100.00} another for {$100.00}. I have advised them of all the information they needed the first two times and told them to stop calling me. I still keep receiving phone calls, but nothing in the mail. they do not have any valid information in there system on me besides a phone number. They have been forcing me that I better pay or else etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (RI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a Hard inquiry on my credit report that was n't authorized by me. I believe it was for a Pay Pal account but I 'm not sure

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (I do not know) with HOVG, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company started calling me on XXXX/XXXX/15. Since then I have received XXXX more calls. 

On XXXX/XXXX/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy XXXX accent. 
Asked for me to verify my personal info. 

I do not have any outstanding debts, and believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I had to do a voluntary repot on a truck. USAA said they would auction the truck then allow us to make payments on outstanding balance. The day they sent us the payment arrangements, they also sent it to collections. They closed my wifes long standing credit card with them as well because it looked like we were in default on the truck without the chance to ever set up payment arrangements. My wife called USAA, they said they were sorry, they messed up bye sending it to collections but were unable to reverse the closure of the credit card. This reduced my wifes credit score bye over 200 points. We were told sorry, its our mistake but we cant fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Billing disputes

Complaint: I 'm having an issues with Barclaycard processing payments by check on-time. My XXXX has to write a physical check to Barclaycard bank, Twice they processed checks late on XX/XX/XXXX and XX/XX/XXXX. Both times I got assessed late fees. It was waived for XX/XX/XXXX payment, but they would n't waive it for XX/XX/XXXX. My bank clearly shows they got the check by XX/XX/XXXX which was Friday before XXXX holiday weekend. Barclaycard bank did n't process it until XX/XX/XXXX. 

I have n't ever had issues with my bank not delivering payments on-time except for Barclaycard bank

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 05-08-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Payoff process

Complaint: XXXX 2015 I sent a bank issued check to XXXX XXXX to pay off my credit card, the check was received and cashed XXXX/XXXX/15. The check was never applied to my account! I started calling them weekly as soon as I saw that it was not applied. They told me with each call that it would be investigated and would take XXXX billing cycles. I also sent a copy of the cashed check ( 3 times ), soon after they started calling me DAILY that my account was overdue. I explained the situation over and over for months as I could not get XXXX person to handle this problem. I 've contacted the XXXX which only increased the phone calls, XXXX of them just today! I have called XXXX which XXXX XXXX uses as their bank, and was told by XXXX that XXXX XXXX would have to handle the situation. I have gone to my local XXXX XXXX and spoke to the manager there, no help! I really do n't know what to do, can you help 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 10-12-2016 about Debt collection (Auto) with Selip & Stylianou, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX of 2016 I turned in my leased vehicle ( leased by XXXX XXXX # XXXX ) to XXXX XXXX XXXX, XXXX. Since I turned the car in a couple of months early I had a balance of {$1700.00} left. On the day of my turning the car in my salesman and I talked to a representative of XXXX to tell them what I was doing and that XXXX was going to pay off the balance of the lease agreement. There was no problem and the transaction was given the go ahead. Lo and behold, in XXXX I started getting letters from XXXX demanding payment and threatening Collection. In XXXX I received an officious letter from SELIP & SDTYLIANOU, LLP demanding payment. Throughout all this time I had been in contact with my salesman ( XXXX XXXX XXXX XXXX ) who confirmed that XXXX had paid. In fact I am holding a copy of their cancelled check as I write this. On two occasions I have FAXED the above named company, I have called both XXXX and Selip but to no avail. I only became aware of how dire this situation is when I tried to open a Credit Card and was informed I had a severe overdue account. Hopefully, this situation can be rectified with the credit bureaus and all other entities. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Selip & Stylianou , LLP XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX 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 04-07-2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (AL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I ATTENDED BROWN MACKIE COLLEGE IN XXXX ALABAMA FROM XXXX, FOR XXXX MONTHS, I WITHDREW IN XXXX OF XX/XX/XXXX I AM TRYING TO ENROLL IN ANOTHER INSTITUTION TO CONTINUE MY EDUCATION, BROWN MACKIE COLLEGE STILL HAS PENDING DISBURSEMENTS FOR ME WITHIN THE COD SYSTEM.I HAVE SPOKEN TO THE XXXX SEVERAL TIMES, AND SENT XXXX EMAILS, SHE RESPONDS TO ME THAT THERE IS NOTHING THAT SHE CAN DO ABOUT IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: We checked our account today to find that it was OverDrafted after PNC decided to submit ODF fees into our account before processing our deposit that was made Saturday night and did n't process until Monday evening. 

We called them to try and get them to reverse it and they advised our account does n't qualify for that. Mainly because something like this happened back in XX/XX/XXXX and they were nice enough to do so then. 

I asked the rep how you qualify and he advised that they do n't have a set time frame for when you would or if you would again. 

I do n't know what else there is to do, it seems like PNC does n't care about their customers or the fact that their Virtual Wallet does n't update or process in real time. 

It does n't even keep a running balance when certain transactions process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has intentionally and repeatedly misrepresented to me that the XXXX XXXX, 2013 SPOC, XXXX XXXX, issued denial letter was a MHA HAMP ineligibility denial based on an appeal review completed by the Bank of America Appeals Department. It is not. However, there are two Bank of America Appeals Department determination letters of XXXX XXXX, 2013 related to an unspecified proprietary home loan mortgage account mmodification issued by XXXX XXXX. 
Bank of America continues to engage in behavior indicative of a breach of the covenant of good faith and fair dealing related to a home loan mortgage account and a borrower pending in the loss mitigation processes.

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 07/22/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: I tried to close the account and was left on hold for more than 20 minutes

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 09-12-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: I went to a bank ATM of XXXX in XXXX, XXXX, location XXXX XXXX XXXX, XXXX, XXXX, Terminal ID XXXX on Friday XXXX/XXXX/2016 and made an {$800.00} cash deposit. The ATM gave me a message that the deposit failed and the transaction was cancelled and did not give me back my cash deposit or a receipt that it took my money. My account was not credited either. I spoke to the bank teller XXXX who called her supervisor immediately. They advised me to contact the phone number on the back of my card which I did. I spoke to XXXX at Santander Bank who gave me a case # XXXX and advised me that I would have the money back in my account within 24 hours. It is past that 24 hour mark and the money has not been returned. I contacted the bank this morning again and was advised it can take up to ten days for the money to be returned to me. I can not have the bank stealing my money for the next 10 days. This is an emergency situation as that money was to pay my mortgage which will now be late and there will be charges put against me. It will also affect my credit with a negative report to the credit agencies. This is not fair practices and not acceptable by either the bank or any other institution who deals with people 's money and lives!!!!!!!!!!!!!!!!!!!!! I need an immediate response to my cell phone at XXXX or I will be reporting this to the XXXX news stations and any other federal agency as this is terrible service and if anyone did this to the bank it would be considered robbery punishable by jail!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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
Consumer complaint received 01/22/2018 about Payday loan, title loan, or personal loan (Installment loan) with Tribal Lending Enterprise, Inc. (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a small personal loan online. I was directed to XXXX XXXX XXXX. I was misled and misinformed by the agent who spoke with me. I was never told about the interest being {$3100.00} on a {$1000.00} loan. I also feel like the online form that I signed has been altered or changed. The payment schedule was not posted. I never would have signed that. This seems completely fraudulent and misleading. I can not afford {$3100.00} on a {$1000.00} loan. I have closed my checking account to stop this company from collecting an insane amount of money for the amount loaned. There was no transparency with regar to their gouging practices. Shameful business. This business obviously preys on people down on their luck financially and then robs them via their bank account. Do NOT do business with them. They are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with SUNTRUST BANKS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit card company , SunTrust, aut horized transactions that took my account over its credit limit, despite my never having authorized them to do so. ( In all my previous experiences with other cards, on the rare occasion an over-the-limit transaction was attempted, the transaction was simply denied and I used an alternate form of payment ). Consequently, my balance went over the limit for a couple of days be fore one of m y regular payments arrived. During this time,  SunTrust ding ed my credit report, flagging my account as having been over the credit limit. I am unsure if this is illegal ( though I  hope i t is ), but at minimum I find it deeply upsetting that a company with whom I have done business in good faith and always paid my bills promptly would authorize transactions taking my account over its credit limit, despite my never having agreed to this, and then immediately reporting negative information that will likely damage my credit rating.

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 12/24/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit card protection / Debt protection

Complaint: I filed a claim on XX/XX/XXXX ( Card Benefit Services Claim XXXX ) for travel interruption/cancelation because I had to cancel the return flight booked with Chase Sapphire Reserve because my mother got sick on same day and admitted to emergency. I had to postpone my return and later rebook a week later. I filed claim with chase and sent in everything they asked including the claim form, the original round trip, the canceled one and the final flight and a letter from doctor. After 2 weeks, they replied back saying I should send this and that and they are all same thing I sent/emailed them 2 weeks ago. So I called on XX/XX/XXXX. and they said I should speak to a claim examiner and they are not available to talk and I should just wait for some calls or replies, On XX/XX/XXXX, Someone who introduced herself as XXXX , called me and told me they received everything BUT that XXXX XXXX paid for my return flight on XXXX XXXX . She says XXXX gave me XXXX XXXX points and {$88.00} first and I used those to book the return flight. I was like what? What 's this nonsense about XXXX booked my return flight on XXXX and XXXX gave me XXXX points and {$88.00} to book my return flight on XXXX? I have my own XXXX XXXX frequent flyer account and used my own XXXX XXXX points plus tax for XXXX people to book return flight from XXXX. You can see that in the email too.She Just made up a lie as an excuse to deny the claim. The original round trip was booked with my Chase credit card points on XXXX XXXX. I could n't return on return date due to emergency issue with my mother and XXXX XXXX would n't re-book my return flight. So I had purchase a new flight tickets on XXXX XXXX using my XXXX XXXX XXXX avios points & {$88.00} plus in taxes. I have sent you guys EVERYTHING, all the original flights, canceled flight and my return flight and how they are paid. The rep XXXX just lied by saying XXXX told her I was re-booked by XXXX on XXXX flight and that XXXX paid the return flight for me. I told her stop talking nonsense and read all the docs I emailed them including how I paid for the XXXX flight with my own XXXX airways points and {$88.00} tax. I told her bring on the XXXX rep on phone that told you they re-booked the return and paid for my return flight. She put me on hold for 30 mins or longer and did n't bring XXXX rep and disconnected the phone line. When I called back, it was another rep who told me " I can appeal my claim ''. The benefit dept is playing game, being dishonest and engaging in dishonest and deceptive practice and even lying to ignore or deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The servicing company on my home loan ( Roundpoint Mortgage Servicing Corp. ) is demanding over $ 80.00/month more than required for escrow. Multiple calls and emails have not produced any results other than misinformation.

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 05-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We had a water damage to our house in XXXX 2015. It has been a nightmare ever since to deal with Nationstar Mortgage. This is our 3rd complaint for the same claim. Nationstar told us after we complete final inspection, they will release the final check within 3 business days.We completed XXXX inspection, all repairs are done. We have report from inspector. I called them today and XXXX ( employee # XXXX ) told that they want a clean air test. They did not even look through the paper work. The air clearance test was done after mold remediation back in XXXX. Here it comes again, hours on the phone with Nation Star Mortgage, going in circles. Nation Star has a horrible practice of misplacing and mishandling documents.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Trouble during payment process

Complaint: Yes, my name is   XXXX   XXXX  . I have written before about this issue with  USAA Federal Savings  Bank Mortgage  Services, Homeowners Insurance Services- in   particular   XXXX   XXXX   XXXX   XXXX    out of   XXXX  Alabama and   XXXX    , w hom  USAA uses to  service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with  XXXX   XXXX  of  USAA, who USAA assigned  to investigate these matters.   XXXX   XXXX   was unable to find any voice recordings of myself nor my realtor of   XXXX   XXXX   XXXX  , in  XXXX   Alabama- f or the last  30-days. This is odd as USAA reco rds every call!  Second,    XXXX   XXXX   claimed  USAA does no t provide any informal property appraisal 's. As I explained to   XXXX   XXXX  , why was this simply not originally told to my realator, instead of her being transferred  3-times, and  myself whne I was transferred everywhere but right department at  XXXX  - t his says nothing of  USAA agent I spo ke with simply not telling me this to begin with.   XXXX   XXXX   was also supposed to call my realator and explain this when we humg up and she did not.   XXXX   XXXX   also asked if, I wanted  USAA to re investig ate   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of  XXXX   County-     XXXX   XXXX   ,  who has ties to   XXXX   XXXX   XXXX   XXXX    out  of  XXXX  Alabama  . I al so told you I have had issue with City of  XXXX , and my  Property Owners Association-    XXXX   XXXX   XXXX   XXXX  . Additionally, I told you,  XXXX  numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX  - ergo why I  am selling, in large part.  XXXX , renowned authority severa l thousand people  a yer commit  XXXX  due to Homeowners Association/POA  XXXX . I will simply not be  one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.  <P/>  PS : As  I have told you repeatedly,  USAA is run by r etired senior military officers and there are well over  50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX case which is stated to be closed. However, I have not had any resolution with Lexis nexis. I have requested Lexis Nexis to correct my report. Currently my data is combined with another individual. I am XXXX XXXX XXXX from XXXX Ohio, XXXX XX/XX/XXXX SS ending XXXX. My report is combined with XXXX XXXX XXXX of Oklahoma. completely separate SS #. This is the third request. I do not feel that it is that difficult to have this corrected. Lexis nexis sent a letter XX/XX/XXXX stating could take up to 60 days and it is now past that period. This matter is NOT CLOSED and NOT COMPLETED to my satisfaction.

Company response to consumer: Closed with explanation