milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Other

Complaint: I made an overpayment on my Chase credit card of XXXX on XXXX XXXX after a prior payment was made on XXXX XXXX. I contacted Chase on XXXX XXXX and let them know I would like that returned to my checking account and was asked for my routing number and account number to return the funds. When the funds never came on, on XXXX XXXX, I called backed and was told that a check was mailed on XXXX XXXX and that it would take 7 to 10 business days to receive and that the first customer service rep messed up and did not inform me that a transfer of funds to my account was not possible because I did not have a Chase bank account. I then asked if there was a way for them to send another check via XXXX or XXXX and they stated that the only option was to wait for the check or stop payment and issue a new check. I have waited for going on XXXX days from the original date of the overpayment and have not seen a check and have called and talked to chase at least XXXX times with no luck and continue to get no other option other than talking to a supervisor who states the same broken line that they can stop payment on a check which clearly was never sent and issue a new one and have me wait 7 to 10 business days to see if it arrives. This is clearly a frustrating very long process of waiting for funds that they have the authority to send via XXXX or EFT at anytime but chose to frustrate and anger customers rather than do the right thing. This policy is designed to hold on to other peoples money for an extended amount of time without any recourse what so ever. The Chase system is computerized and should not allow an overpayment for a large dollar amount without warning people that a payment is already pending as it will not allow the opposite, an underpayment of your minimum balance due. I would just like Chase to do the right thing and issue an expedited check that does not involve the long dreadful waiting game for a check that should clearly be sent and received in a timely fashion, or better yet, transfer the funds via EFT to my checking account as it is clearly possible for a Banking institution that is too big to fail and is supposed to be working for the people that bailed banks out in the financial crisis of 2008. Every single time I have called the highest level I can reach is a supervisor who has no authority to do anything and simple reads from a script over and over about putting a stop payment on the old check ( that was supposedly send out but never arrived ) and starting over from the beginning in a crazy never ending waiting game with no guarantee that anything will ever arrive. If I ran a business like this I would be out of business in days and under investigation for XXXX business practices. Please help me recover my funds in a timely fashion that does not resemble a XXXX at a casino? When did the customer is a valued commodity disappear in the USA. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Private student loan) with MOHELA (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This private and federal loans are our daughters, who we co-signed for. We have tried over the many years to negotiate the payment and interest on loans to no avail, they continue to make numerous calls to my home. We as the parents want to be taken OFF these loans and perhaps pay them off, but need legal advise prior to settleing with these horrible lenders. XXXX was very sneaky and unethical we feel when suggesting these loans, why was our daughter not offered Federal loans is a HUGE mystery that has caused many financial problems within our family. Not to mention the absurd amount of money paid to these crooks, without it going towards loan but to their pockets. This should be considered as a CRIME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient is calling my work. I have explictly told them I am not allowed to have calls at work and to not call me here. They have also sent numerous faxes to my work with my personal information for everyone to see, my full name, social, and birthday, and requesting my employment information without permission or subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Other type of mortgage) with Servis One, Inc. (NC).
Issue: Applying for a mortgage

Complaint: XXXX has another ridiculous excuse not to do the modification on my loan. The first go around they were going to use gross income, actually gross is what they asked for on the application, but now they are not. They will only use {$400.00} out of {$1300.00} of my mothers Social Security. The reason is my mother must have prescription drugs she has to pay for on a monthly basis. True, she pays {$15.00} a month for her XXXX prescriptions, because she has prescription coverage with her Social Security. This is no reason not to use the full amount of income or at least the {$1200.00} my mother contributes monthly to our household. They only add just enough of my mothers income to keep the ratio over the percent needed to modify. They have tried everything including mistakes, not to do the modification of this overinflated loan and their added high-interest rate. Now they are moving forward to foreclosure and proceed with the sale. I sense some " age discrimination, '' or they are XXXX and can plan my mothers XXXX because XXXX said my mothers income is not secure. Well, my mothers Grandmother lived to a young secure age of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (ND).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XX/XX/XXXX I attended the university XXXX school on line. However to do the classes I had to get a student loan, which at that time I got approved for. Having said that I was approved for an amount that should pay for the entire cost, but it turns out not to be the case. XXXX more classes to finish the entire cost I was told that I do n't have anymore money so I will have to pay out of my pocket if I want to do the last XXXX classes. Something did n't feel right so I never get to finish my degree up to this day. Then one day I heard the school is under investigation, and the following day I had some one called offering me a student loan forgiveness and I will not have to pay back the loan. I did n't take the deal because I knew nothing about it or if it was a scam just so they could get my information. I was never able to make the high monthly payments they were asking for so they ended up putting me on forbearance. We are in XX/XX/XXXX and up to now each year I have to be on forbearance, because I ca n't afford the payment. I even filed for bankruptcy hoping that they will remove it, since they are under investigation but they did not an the total just keeps getting higher and higher with interest accumulated. This is now on my credit report causing lots of damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony bank has called me 7 times in one day, for more than one day. I am less than a month behind on ONE payment. This is harassment and is unacceptable.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: So the credit companies have a security breech, and I freeze my credit. I should n't have to pay {$10.00} to Experian every time I have to freeze or thaw my credit. They make the mistake and I have to pay for it. So they will profit from their neglect.

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 03-12-2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OK).
Issue: Managing, opening, or closing account

Complaint: They closed my account then said they were sending a check for {$750.00} the amount that was in my account it 's two months later I 've yet to receive my money despite contacting them ten times or more just getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (CO).
Issue: Trouble during payment process

Complaint: I was charged a late fee by XXXX XXXX XXXX XXXX. I provided proof that the payment was sent on the XXXX of the month with a guaranteed delivery by XX/XX/XXXX. They did not process the payment until XX/XX/XXXX, and stated that I had to prove that they received the payment before XX/XX/XXXX to get a late fee waiver. This is not only unethical, it is impossible. I can not prove to them that they misplaced or delayed the processing of the payment, only that I made the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Peterson Enterprises Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received notification from Valley Empire regarding an outstanding account balance. I contacted them in writing to dispute the debt and provided them with my full account history regarding the debt through the time period they were claiming which showed my account number and that the account was in good standing. I then requested that they verify the debt and contact me in writing only in the future. I received a response in writing stating that the account that was owing was a different account number then mine and I needed to provide information for that one, which I only have one account as it is for a utility service for a single family residence. 

I then received notification from my employer that they had received an employer verification and that when they called them back the company identified themselves as a debt collector and that I had a debt owing. When I called the company regarding this matter they stated they needed to verify my information as they had n't heard from me, I informed them that I had receipts from the certified letters I had sent proving they had heard of me and that the debt was invalid which they objected to until I offered to provide them with a copy at which point they admitted they received the notification but had n't heard back from me. 

I asked that they verify the debt and provide me with proof, I did n't get it. I sent in my full account history and was told that it did n't matter as they have another account number within the same period of time of the full records I shared with them and that I have to provide them with proof of this " other '' account. They received my request for information and written correspondence only and a week later contact my employer for employment verification. They identified themselves to my employer as a debt collector and that they were obtaining information for a debt that I owe. They then denied receiving my request to verify the account information and only acknowledge after I confirmed that I could provide proof, but have yet to send any supporting documents as they claim the burden of proof is on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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: Equifax knowingly left a security vulnerability on their web site allowing someone to download peoples data that we never gave them authorization to hold. I checked their security site and it said my data was probably stolen. Why ca n't they tell me for certain? Their only offer to help us who were victims of their decision to ignore known security vulnerability is 1 free year of credit monitoring. Except to enroll we have to agree to the use agreement which a ) contains legal terms and statements that I do not understand and b ) part of it says I agree to " arbitration '' and exactly what that means or applies to is unclear. I tried to find further information but they have no clear information available. I have spent hours now trying to find a definite answer and am more confused and very upset. I spent years building my credit to a XXXX FICO just to have a credit agency treat my private information as if it is less important than their bottom line. This choice is clear when they chose not to spend necessary money so they had an adequate level of security. Furthermore, I never gave Equifax authorization to have my data in their possession, other corporations did. Who is now legally liable for the choices made by these " corporations ''. If corporations are people why are n't the " people '' who are these corporations made to answer for breaking laws?! It was one or more individuals who made these choices to favor profit over consumers so this individual ( s ) should be indicted. Who am I supposed to turn to for advice on what I should do? I can not afford expensive financial experts!! Who can I turn to for assistance and questions I may have?

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX  of  XXXX , I felt I had no choice but to walk away from my townhouse located at  XXXX , California. I had  XXXX  purchase mortgages for this townhouse, a primary and a secondary. Both were originated by the now defunct  XXXX   XXXX   XXXX , both allegedly transferred over to  XXXX   XXXX   XXXX  at about  XXXX   XXXX , and around  XXXX   XXXX , the primary mortgage servicing allegedly went to  XXXX   XXXX  and the second mortgage allegedly went to CCO Mortgage.  XXXX   XXXX  and CCO Mortgage were still servicing my primary and secondary mortgages, respectively, when I defaulted. I was told by   XXXX   XXXX   that I did not qualify for any of the HAMP or HARP programs, nor did either  XXXX   XXXX   or  CCO Mortgage provide any assistance in regards to a short sale nor a deed-in-lieu.  XXXX   XXXX  foreclosed on the townhouse in  XXXX   XXXX . On  XXXX  of  XXXX , I applied for a FHA mortgage since it appeared I would quality after just three years after a foreclosure. Through this process I found out the CCO Mortgage had since changed its name to Citizens One Home Loans and was continuously sending all three credit reporting agencies information that I still owed them {$41000.00} even though California is a non-recourse State. The credit union where I was trying to obtain the FHA loan through tried to assist by contacting   XXXX   XXXX    XXXX  who ended up conferencing me in with Citizens One Home Loans to request that the Amount Past Due to updated to $  XXXX  since my property was foreclosed on. The representative at  Citizens One Home Lo ans stated that I still owed the loan, but that they will not try and collect, and that they will continue to make that claim fo r 7 to 10 add itional years. In addition,  Citizens One  increased th he Balance Amount to  {$55000.00} after this interaction and continues to increase the  Balance Amount  on a monthly basis. I had filed a dispute with  Citizens One  and all  XXXX  credit agencies on  XXXX   XXXX , but all that resulted was for the  XXXX  credit agencies to put a fraud alert on my credit report and fo r Citizens One  to exceed the 30 day response period with a " We are still investigating '' letter.  Citizens One  has also exceeded the 15 day extension, which they should only have gotten had they received new information, which I do not believe has occurred. Citizens One is playing games with the Fair Credit Reporting Act and claiming that  I con tinue to owe them funds when the debt should have been cleared after foreclosure, based on California 's anti-deficiency rules. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with Law Office of Mark L. Nichter, PC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been receiving phone calls on my private cell phone from XXXXphone number. 
I live in XXXX and it is a XXXX area code I do n't recognize. 
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about. 
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX. 
This evening he called with this number XXXX and left a message threatening me with a lawyer. 
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2016 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Billing disputes

Complaint: I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: I have paid off this loan and the company keeps adding cost to this. after I paid it off I got a letter saying that I owed XXXX, I sent them the payment and today I got another letter saying that I owed an additional XXXX. When I called them they say that they did not receive anything. They have done this to me before by not posting payments and charging me late fees. I have called them and they have straitened it out before but are now not sending title without an additional fee being paid. I do n't know what else to do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX dated XX/XX/XXXX, XXXX XXXX XXXX datedXX/XX/XXXX and COMPASS BANK dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with explanation