milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please see attached documents I have never authorized OneMain to conduct a credit inquiry on my credit report. I have sent letters to OneMain demanding validity of their conduct per FCRA regulation but they have refused to act in accordance with the law. 

OneMain continues to send the same response ( changing just the date of receipt ) and blatantly ignoring the requested information per FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for a federal consolidation loan on XXXX/XXXX/XXXX, included in this application was an application for income based repayment under the REPAYE program. 
On XXXX/XXXX/XXXX my federal consolidation was finalized. 
On XXXX/XXXX/XXXX my RePaye application was rejected citing to insufficient paperwork to establish income. 
On XXXX/XXXX/XXXX, I called the servicer re : the rejection ; the servicer indicated that after re-review of the documents, the rejection was in error, and that my Re-Paye repayment plan application was correct and would be acted on soon. 
XXXX/XXXX/XXXX, having heard nothing from the servicer, I again inquired about the status of my Re-Paye plan application,. I was told my application was missing paperwork and needed to by updated, the income information had become stale given the time that had now past because of the servicer delays. On XXXX/XXXX/XXXX, I uploaded a copy of my two most recent pay stubs to the servicer 's website. I asked for expedited review. I called twice in the following week, explaining all delays and requesting expedited review of my re-paye application. I was told the repaye application would be expedited and completed the next day. On the next day I called to confirm conpletion and was told it would instead be 1-2 more months for the Re-Paye application to be processed. During this time interest on the unpaid loans has been accruing. Also, my full standard payment is now due XXXX XXXX, XXXX. I have been told that they can not change the due date and they can not add forbearance, because it will cause my re-paye application to be rejected. I ASK THAT MY RE-PAYE APPLICATION BE REVIEWED ASAP, AS IT HAS BEEN WITH THE SERVICER FOR OVER FOUR MONTHS. I ASK THAT IF THEY CAN NOT CALCULATE PAYMENT BEFORE MY LOAN DUE DATE ON XXXX/XXXX/XXXX, THEY CHANGE MY DUE DATE UNTIL LATER IN THE MONTH. There is a huge backlog with the servicer, and many many kinks to be worked out in their system for approving re-paye applications. These administrative failures on the part of my servicer is likely going to cause my loan to default. I can not afford the standard full payment. Please help expedite the Re-Paye approval process.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: PAYPAL ... PAYPAL ... PAYPALI am sure you know that paypal holds moneys from small sellers at will by setting up their own policies for disbursements. It is supposed to be for the protection of buyer and seller, but it is really just a scam to increase their balance in interest bearing accounts. For XXXX sakes, how long are you going to allow this practice? If it 's legal to do this because they are not really a bank, then at least bring it out in the open. I am XXXX years old and trying to augment my Social Security payments and they are squeezing me.Their Corporate Chief Legal Counsel works on " human rights '' pro-bono. What a morbid joke! 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Trouble during payment process

Complaint: I closed on my loan on XXXX XXXX, XXXX, and I have been trying to resolve this with the servicing company for over 3yrs. This loan is considered Predatory based on the several things, one is my property taxes, that was put on my HUD 1 as {$100.00} a month for 6 months totals {$600.00} in XXXX, then the next year XXXX went to {$4700.00}, which raised my payments from {$1300.00} to over {$2100.00} the next year. The mortgage broker did not give me a proper estimate of my taxes, now putting me in an predatory situation, my broker did not seem to have my best interest in mind, by not giving me an option of taking an higher payment or walking away from the deal due to such a high payment increase, my broker did not advised me properly, because there were several other homes in the community that was exactly the same model as my home that was built and sold before my home was even built, the broker is responsible for giving me an estimate of what I should be expecting for my taxes, I had no idea that my taxes would increase over {$4100.00} the next year. 

My Private mortgage insurance was not calculated properly, I was charged too much a month, I was given quotes by three different loan officers and the cost was very different, was well below what I was given. 

Before falling behind on my mortgage my mortgage service did not do a face to face interview which is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Making/receiving payments, sending money

Complaint: Hello, I was subject to multiple " unauthorized chargeback '' scams on PayPal. 
at XXXX i received a notification email from PayPal saying a case had been filed and required a response from me. 
At XXXX I received an email thanking me for getting in touch ( which i had n't, i was asleep ) and that the case had been resolved in favour of the buyer, as i was not " eligble for seller protection '' insurance. 

This can not have been properly investigated and i feel PayPal are punishing me for not using the seller protection program. There is no way they could have investigated this case thoroughly and i am now left out of pocket with a negative balance which i am sure PayPal will pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The Current mortgage loan servicer, Pennymac Loan Services of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX does not possess an indorsed promissory note from the original servicer of the loan, XXXX XXXX XXXX XXXX. In fact, XXXX XXXX XXXX XXXX noted that it has lost the possession of the original note as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Santander was charged off and settled in XXXX. 

See screenshot for issues. Every bureau shows something completely different and all incorrect. 

XXXX - Shows a {$9300.00} balance and derogatory charge off. Date of last payment XXXX/XXXX/XXXX Experian - Shows XXXX balance and paid and late 180 days in XXXX. Date of last payment XXXX/XXXX/XXXX XXXX - Shows XXXX balance and paid and late 120 days. Date of last payment XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the XXXX XXXX ( listed as XXXX ) on my Trans Union report. The account number is listed as XXXX They left it on my file. I contacted XXXX today and they have no record in any of their departments for a collection in my name. If this is the case, they could not have responded to Trans Union that they had a record for me. This means Trans Union did not even process this dispute but claimed that XXXX responded to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Mortgage debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully  foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Despite my repeated requests to have the accounts deleted, TRANSUNION continues to report in my credit file outdated, factually inaccurate accounts with XXXX and XXXX. These belong to my former spouse and stem from an acrimonious divorce dispute with her. I simply want the accounts deleted as they each contain numerous errors and they have refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have a previously paid in full student loan for my  XXXX .     Loans for my  XXXX   XXXX  were arranged by university of  XXXX  and managed by   Navient.
Navient   : difficulty with payment application to multiple accounts.     Was directed to forbearance and returned forms to  Navient  - they did n't apply forbearance and hurt my credit.     Attempted to lower payments and was n't allowed.     Account turned to  XXXX  :  XXXX  applied high pressure tactics including calls to relatives and friends after I requested forms for payment arrangements.      XXXX  did n't send payment agreement documents as agreed. Tried to pressure me to pay them without signed agreement in writing.

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 03-04-2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: Chase advertised that all new customers who open a savings account and transfer in {$10000.00} will receive a {$150.00} bonus. I opened an account with them, transferred in {$50.00} from my XXXX XXXX XXXX account to verify it. Once this was ok I then transferred in the $ XXXX. When I tried to do this Chase told me my account had been closed, that I was blacklisted from ever being a Chase customer again and told on the phone that I was n't a desirable customer for them. I was told that there was nothing I could do, I could not get this reviewed or be told the reason for this. The only reason I can see for this is because I a new immigrant to this country, being from the XXXX and they have flagged me for a large transfer when I was just trying to access the deal they advertised. I believe that this advert should be removed if people ca n't actually transfer the money in without it being flagged as suspicious. I also feel there should be a review process and have to provide an explanation whatever the small print in their contact may say.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Problem when making payments

Complaint: I somehow was approved for an additional loan even though I received an error message when applying, called the customer service number and was advised an additional loan could not be taken out while another loan was active. Unbeknownst to me the loan went through ( I assumed I was using money that I asked my brother to lend me and that he deposited ) I have repeatedly asked how I can pay on the loan since my payments go to the other loan that I have out. I can not log in online like before to pay myself. I was told that I would be contacted in regard to how I can pay but I have not received contact and this was in XXXX. I constantly call and I 'm told the same thing but of course interest is continuing to accrue. When I originally requested how to pay my loan total was {$610.00} which I could have paid immediately ( with the money my brother did get around to depositing ) but was not provided with a way to do so. I just want to pay what I owe. My calls and emails are being ignored so that interest can continue to accrue. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On or about XX/XX/2017 I called Navient to request the Certificate of Title of all of my loans. I was transferred about 5 times to different reps who claimed they had never heard of that document and that it did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR XXXX OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND XXXX PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. 

LET ME SAY AGAIN,,,,,, I CAN GET MY CREDIT REPORT FROM ALL XXXX AGENCIES WITH THEIR DIFFERENT PAID SERVICES RIGHT NOW AT {$60.00} A MONTH. BUT I CAN NOT GET MY REAL ONE BECAUSE THEIR CONCERNED ABOUT MY ID OR FRAUD. CAN ONLY GET THROUGH THE MAIL. BUT WHEN YOU PAY YOU CAN HAVE YOUR REPORT IN XXXX MIN. BUT YOU HAVE TO HAVE THE REAL XXXX TO DISPUTE. I DONT HAVE TIME TO MAIL THAT XXXX. IM XXXX AND DONT GET OUTSIDE MUCH. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In the beginning Quicken Loans made my husband move out of state and actively be working in the state we were going to buy in. We were given a closure date and when we were XXXX hours from home they pulled the date stating they could n't verify his employment and leaving us homeless. They are now claiming this didnt happen. Even though I have proof. They refused to give us a copy of escrow, and my husband did work there. all because they didnt update their systems. They lost tons of our documents. ( more info on request ) Then we asked to refinance I asked them not to call my work. They called my work and due to the company I worked for I XXXX. When they sent a appraiser he was an hour late. He compared our two story house to single story homes. The appraiser moved our house on a map. He moved it to the bad side of town. QL loans said they cant help me even though its the company they pick and use for 80 % of their apparels.I had to file a report and have him convicted with the appraisal board. We were forced to file bankruptcy. My attorney had to threaten them three times to restart sending statements ( more info upon request ) Several times over the years we just randomly stop getting statements. This went on for 6 month over the last year. They are misappropriating funds over this last year. It was explained to them multiple times that all extra moneys be sent to principle. We set this up years ago. They changed my loan without notification to prepaid. All extra money on accidental over payment have been payed to the next bill. We have been fighting this for the last year. XXXX XXXX is the only one that will deal with our accounts. Our number are all directed to her VM only. She hasnt helped us in the last year. Im having to call monthly-ish to fix our stuff. She out right refused to help us in XXXX. The extra money should have gone to the principle, but it went to the next payment. She stated she didnt know what to reverse so either they reverse something and we occur a late fee or we leave it and we " lose the money ''. Speaking with her has caused me to get severe hives. I have file endless complaints and they all seem to go to her. She never at fault, but they wont fix our issue. ( more info upon request ) This is the only thing my husband and I argue about. They are ruining our lives. I have tons of proof to the horrors of the last several years. Ive filed complains to QL and XXXX. 
It seems QL is to big and no one will help us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Struggling to pay your loan

Complaint: The loan is with 1st heritage of XXXX la. It was made back in XXXX before I lost my job. After getting a new job the consumer started to contact my office as well as management. A cease and desist letter were faxed over to them in XXXX. The consumer continues to contact my place of employment as well as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I do not know who these people are trying to collect a debt, if I owed this money they would have sued in a court of law in which they have not done..i do n't owe these people money and I dispute those charges they say I owe.take this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I spoke wit h two  representatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of   XXXX   and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  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 03-02-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Chase is refusing to give me a copy of the appraisal. 

loan : XXXX XXXX I want a copy of the appraisal. They are violating the Appraisal Disclosure Notice.

Company response to consumer: Closed with explanation