milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2016 about Bank account or service (Savings account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: COMPLAINT : XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, MA XXXX XXXX I have a checking and savings account in Santander Bank, N.A. at the following branch in XXXX XXXX. Santander Bank | XXXX XXXX XXXX, XXXX XXXX, MA XXXX Branch ID : XXXX Tel. ( XXXX XXXX XXXX Fax : ( XXXX XXXX XXXX ; Customer Service Ph. ( XXXX ) XXXX On XXXX XXXX, 2016, a withdrawal for the amount of {$360.00} was made on my Santander account at XXXX XXXX, XXXX, MA, located in XXXX. Also {$3.00} bank fee was charged to my account with this transaction. I called Santander Bank branch at XXXX XXXX and Customer Service immediately reporting the fraudulent withdrawal from my savings accounts. I reported to the bank that my Debit/Credit card was with me in my wallet the moment this money was withdrawn without my authorization. I told the bank 's representative that I have never used my card to withdraw money at XXXX XXXX, XXXX MA, located in XXXX. 

I am a XXXX in XXXX, MA. I was a XXXX for more than ten years. I mentioned the Customer Service representative that it was evident that somebody cloned my card and used it to steal my money at XXXX XXXX, XXXX MA, located in XXXX. They asked me if I had any idea of whom cloned my card. I mentioned to them that XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, MA XXXX was the only place that has had access to my information when I have ordered online at XXXX. However, I clearly stated that I was not imputing this restaurant any culprit, just the fact that they have had access to my information for delivery purposes. 

Customer Service gave me the following Claim Number : XXXX and said that the bank will investigate the illegal withdrawal of {$360.00} from my savings account and will reimburse to me the total amount of {$360.00} ( including {$3.00} charged fee ). 

As of today, Santander Bank has not reimbursed me for any money, and customer service department has just given me a general statement that the bank can not refund the money because information is inconclusive, avoiding to explain the foundations and rationale for this determination. 

Hereby I am requesting the intervention of the CFPB to solve this matter.

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 08/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I was granted a Credit line of XXXX from Bank of America XX/XX/XXXX. XX/XX/XXXX the 10 year borrowing period expired so I applied for a new line. After almost 3 months on XXXX/XXXX/XXXX my application was denied for a debt to loan ratio of 58 %. ( 54 % ) is the cutoff. I inquired as to where they got their figures and was told the monthly draws from my IRA accounts were based on the quarterly statement I had sent them. They added up the draws and divided by XXXX. In formed them I do n't draw every month and why did n't they use the annual draw from the XXXX 's ( XXXX ) I sent them ( XXXXand XXXX ). My credit score was XXXX out of XXXX. The existing mortgage is XXXX on a house appraised at XXXX. My social security is XXXX/mo. I usually draw XXXX from my Ira when needed. The balance of my Ira today is XXXX. If I ca n't get a loan with these figures, who can? I suspect age discrimination since I 'll be XXXX in XXXX. I do not want this denial to affect my excellent credit score.Thanks for any help you can provide

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ 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 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. <P/>On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. <P/>As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently became unemployed and reached out to Key Bank for a work extension. They initially told me to get my start date of my next job, which I did then they told me they also needed my salary which I am waiting on for HR to call me with that information. When asking keybank about lowering my payments from a whopping XXXX a month they said that this is something they could not do because I had exhausted my 18 months ( for the entire loan ) of deferment/forbearance time. They told me to contact XXXX XXXX who I pay the loan through to see if they could lower payments, which I did and they also said there was nothing they could do either. They checked to see if I could get graduated payments which would lower payments for a number of payments then skyrocket payments towards the end of the loan which is not the goal either. I understand that I am responsible for the loan and the payments however no one is willing to work with me in order to make the payment of the loan more reasonable. They keep telling me there are stipulation and regulations that must be followed. At one point when I first started paying the loan back, one customer service representative told me I should have done better financially preparing and that there was nothing they could do. I am an XXXX going into my XXXX year of XXXX and sadly enough after getting and completing several degrees I still do n't make nearly enough money to comfortably pay my bills and student loans. I will not make over XXXX dollars in this upcoming XXXX year. I would think after completing my XXXX degree it would be different and it is n't. I would be okay with a lower interest rate or lower payments, something more reasonable like XXXX to XXXX monthly. Keeping in mind that I still have federal loans to also pay for. Again I am aware that this is my responsibility and I am not trying to get out of paying the loan, but for each company to continue telling me there is nothing they can do is unacceptable. Its as if they do not care to work with you to make sure the loan gets paid. Since I started repaying this loan back in XXXX, I have been on time with the payments. I would love some help to better help me pay this loan on time and more affordably. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Problem adding money

Complaint: There is no communication between the app and my bank! It is very important that the bank have communication with the app company.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Amerihome Mortgage used our escrow money and paid someone elses XX/XX/XXXX property taxes. We discovered this at XX/XX/XXXX. I contacted them XX/XX/XXXX and received an email address from a Customer Service Rep named XXXX to send a copy of my tax bill to them. I sent it on XX/XX/XXXX and received a response from XXXX XXXX XX/XX/XXXX stating they were forwarding it to their tax department for investigation. I never received any other follow up from them. We 're trying to re-finance our mortgage and discovered the tax issue has still not been resoled as of the writing of this letter. I have spoken with 5 supervisors between XX/XX/XXXX thru XX/XX/XXXX. I have requested a return call from Management and advised each Supervisor was requesting the call back and have not received one call back except from a Customer Service representative. 
I have also been told no one from Amerihome Mortgage can contact the third party vendor they use to pay the tax bills. This is completely unacceptable behavior and I am extremely upset that we have a tax bill that is 3 months delinquent in our name. 
I have been told twice their resolution date is XX/XX/XXXX and I have advised this is unacceptable to us as we pay our mortgage and escrow timely and expect them to correct this in a reasonable amount of time which 23 days is not. Their Supervisor XXXX verified with the County on XX/XX/XXXX that the bill has not been paid and that the account number Amerihome paid is indeed for another piece of property/home and another person unrelated to me and my husband and our home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Hello, Thank you for reading this complaint. I started paying on my student loans back in XXXX at the time I excited college I was able to lock the loans into 20 year loans. My payments have stayed the same over the years. From XX/XX/XXXXthrough XXXX I went back to school and the loans went into deferment ( automatically ) and I paid interest only on these loans. After graduating I started paying in full again and I assumed I would add two or three years onto my loans and continue paying the terms were I left off. 

The last few years I have been noticing that I have not benign paying down as much as I though I would be since I would be almost halfway paying off the loans. I started doing some math and Navient changed the terms of my loans from 20 to 30 years. Though I have been paying the same payments ( set on auto schedule ). 

I have called Navient several times and get a very limited response most of the time Navient hangs up on me when I press of answers. From what I can figure out there was some error somewhere and they switched my loans to 30 years and I have been paying extra interest vs paying into principle. I can figure this change happened from XXXX XXXX transferred my loans to Navient. 

This is very enthical and I hope illegal. I can not seem to prove this to Navient and I need some help because it is to the point where I should be seeing the light at the end of the tunnel for student loans vs 18 more years to go.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Unsolicited issuance of credit card

Complaint: I have asked XXXX XXXX XXXX to produce the original contract beating my signature on the authorization agreement for a few months now. The only thing they send is the letter I will attach and billing statements which do not legally prove that I requested the alleged account to be open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan that I took out to go to school in 2002 with XXXX. I was XXXX and my parents did n't think it was a bad decision at the time and I was still a kid. School ended up not being for me and I was stuck with the Loan from XXXX. The interest rate was always terrible in fact its still at 13 %. Its been in deferment or forbearance a bunch of times since then but for the most part I have paid it every month with no sign of the total lowering in all of these years. Thats 15 years of the total never going down with all of the payments I 've made. As I 've gotten older its been a real burden to become financially secure because of this loan. They refuse to help except with these 6 month deals to lower my payments in half but the payments go from {$450.00} to {$250.00} and still do n't really help me because the payments just go towards the interest. They never really want to help me or figure out what the best option is for me. All they care about is making sure I make these high payments with no end in sight. I really need help having this big mistake I made at XXXX forgiven. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have tried numerous times to contact the collection agency. I have been hung up on while speaking. They refuse to work with me even after providing evidence of payment. The amount owed is incorrect and should only be {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (GA).
Issue: Managing the loan or lease

Complaint: i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hackers stole sensitive financial data and my social security number from Equifax and company failed to alert me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called this company on XXXX XXXX, 2017 at approximately XXXX ( EST ). The first representative I spoke with was XXXX XXXX. The phone call lasted for XXXX minutes and 3 seconds. He furnished some of the information regarding the medical debts his company had come to own but did not provide enough information for me to be able to understand exactly where and when the debt was coming from. There were multiple accounts and the dates seemed different than what my records indicated. I was trying to ask questions about the debt and questions about how to pay the debt. I insisted that I was willing to pay the debt. I was XXXX. I was not yelling or using any profane or derogatory or defamatory type language toward XXXX. He indicated that he was ending the call and hung up. I called back and XXXX happened to answer the phone this time as well ; I asked to be transferred to a manager. I spoke with XXXX XXXX. XXXX XXXX was able to more clearly tell me where the debt originated from. During our conversation, I agreed to pay a lump sum over {$600.00} to resolve the debt and have it deleted from the XXXX reporting bureaus, XXXX, XXXX and XXXX. Having XXXX " ghost debts '' that were bought from a third party being reported by this fourth party, Commonwealth Financial Systems is about the worst and most damaging thing that could happen to me at the moment. I am on social security XXXX due to XXXX. My husband is XXXX from the XXXX XXXX as of XXXX XXXX, 2017. With his XXXX approaching, we may need to sell our house and either rent an apartment or buy a home. I have worked hard to have good credit. Other than the future of being able to secure housing, I am concerned XXXX different accounts listed for collection, will be quite damaging to my financial situation. I have credit cards fro the purpose of building my credit history and I am very concerned that such a drastic change may impact the rest of my credit health which I have been very careful with. I use XXXX XXXX, XXXX XXXX and XXXX XXXX to stay on track with my credit. If the companies that furnish my cards lower my limits as a result of these collections, it will take me a minimum of 6 months, and probably longer to recover my good credit standing. I have been promised that the derogatory marks will be removed by this company and I was assured this morning, XXXX XXXX, 2017, by XXXX that the company had already started the process of having these remarks removed. XXXX XXXX should have been more professional and helpful and should not have hung up the phone. I should have been furnished with the proper information and he should have been willing to work with me regarding the payment of the debt. 

XXXX XXXX assured me deleting the collections from the XXXX buraeus, XXXX , XXXX and XXXX and mailing letters of deletion to me to give me confirmation that the information was deleted from the XXXX respective bureas. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: APR or interest rate

Complaint: For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since XX/XX/XXXX, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In XX/XX/XXXX, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In XX/XX/XXXX, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. XX/XX/XXXX, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a XXXX month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just received notice from IC  Systems of an al leged debt owed to  XXXX  in the amount of {$1100.00}. Please produce validation of this debt that I am unaware of. IC  System  has threated to report to all national credit bureaus of this alleged debt.

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