milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: We fell behind on our house payments due to  XXXX  loss and of our business. I have been in ongoing conversations with Chase. I also spoke to our Represenative. We informed her  ans   Chase  we recently rented  1/2  our house out to help pay our mortgage payments. I informed the  Represenative  we were keeping our house. I inquired about modification and she told me to wait  two  months to show the income from the new rental. I informed her we could make a full house payment  XXXX / XXXX /  XXXX  . I spoke with her  XXXX / XXXX /  XXXX  . LAst night I got a call from  Chase  and I was told our house was in the foreclosure department and we would now be responsible for legal fees and many other costs even if we could paid the delinquent amount.   I made it clear, we would complete a modification packet, but was told by our Represenative to wait. On  XXXX / XXXX / XXXX  We were told our loan was in foreclosure. This is misrepresentation and an attempt to charge us for extra fees!!!  Chase  is practicing bad faith and unfair business practices. We do t qualify for Save your Home, CA., our loan is over the {$720000.00}. Amount allowed, but is {$750000.00}.   We simply asked for 5 more business days and for Chase to take 1 payment. We went to great lengths to rent out  1/2  our house, now  Chase  is foreclosing!!! We want this stopped! And we should not be charged extra fees! This is against everything Chase is supposed to do to WORK with homeowners and not TRICK them. They have money to help people like us and have not upheld their obligation.   Please contact us for our loan number and anything else you need. We only want a fair opportunity to save our home!   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 12/15/2015 about Credit card () with U.S. BANCORP (VA).
Issue: Rewards

Complaint: I received free night E-certificate for a both business and personal XXXX XXXX co-branded credit cards ( and my wife received one as well ). In the terms and conditions, it clearly states that : Each E-Cert is valid for one night in XXXX standard room, double occupancy, at any XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) by XXXX, or XXXX XXXX XXXX. 

It does note that : *Excluding XXXX. 

When I tried to book nights for my wedding anniversary with my e-certificates at the XXXX, by XXXX it would not allow me. I called and XXXX XXXX told me that that hotel was not honoring the certificates, even though it was clearly stated in the Terms & Conditions that XXXX XXXX hotels were included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with Senex Services Corp. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This number had been contacting me for some time now. XXXX. The first couple of calls I received the person on the other line seemed to be immediately fishing for personal information. Asking immediatetly for my date of birth to confirm my identity to discuss " personal business. '' I absent mindedly confirmed my birth date. Realizing my mistake, I asked what they were calling in reference to. The person responded by saying they would need to " confirm '' my social security number to give that information. I asked the question again. The woman on the line asked for my social security number. This went back and forth a few times with her getting more and more belligerent. I asked her to remove me from whatever list she had me on. She hung up on me. 

I have received multiple calls from this number and they always go the same way. They demand personal information, namely my social security number, then harass me when I ask why they are calling. Then they hang up on me. 

In these conversations the only information I have been able to gather is that they claim to be from a company called Senex, possibly trying to collect a debt. 

In the course of receiving these calls I 've noticed that the caller, usually a woman, is becoming more and more quick to anger. It 's almost as if she calls specifically to harass me. 

I receive these calls at all hours of the day. I even took one at work, in which she seems particularly upset that I would n't give her my social security number. 

In one call I informed the caller that unless I stopped receiving calls I would file a complaint for harassment. The line promptly went dead. Since then I have been receiving the calls more frequently. Mostly I just ignore them but the occasional one I answer lately is just dead air until the line goes dead. 

My concern is that this " company '' is fishing for peoples information for personal gain. At the very least, if they are a collection company, people should not have to deal with this sort of harassment without even being told why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX brough this debt from XXXX. I canceled this insurance do to finding new insurance and now they are saying I owe them {$120.00}. Idk how when I CANCELED the service. This is a scam.mhow do I owe when I canceled.

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 07-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: This is an update based on new gathered information regarding Notary XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. 

Please see attached letters from Colorado Secretary of State XXXX XXXX XXXX-Notary Section, Licensing & Enforcement. 

As of today, XXXX XXXX, XXXX, I have confirmed with XXXX XXXX that XXXX XXXX was required to and has failed to submit any copy of her journal entry for XXXX Quit Claim complaints filed against her from XXXX XXXX. 
We are disputing the validity of XXXX Quit Claim documents signed by XXXX XXXX and recorded in the XXXX XXXX County Recorders Office # XXXX on XXXX XXXX, XXXX and the XXXX XXXX County Recorders Office Document # XXXX on XXXX XXXX, XXXX. 
These documents are claiming that Nationstar Mortgage , LLC has sole beneficiary status of residential property. It is apparent by XXXX XXXX, an employee of Aurora Loan Services , LLC and Nationstar Mortgage , LLC. has deliberately refused to adhere to the Colorado Secretary of States numerous demands to produce the required journal entry for XXXX documents. Furthermore, I have attached an unrecorded Corporate Assignment which was submitted by Aurora/Nationstar attorney XXXX XXXX XXXX of XXXX only to the CFPB, however, XXXX XXXX has never filed this document with any court. XXXX XXXX is listed in a FOIA CONFIDENTIAL TREATMENT REQUESTED BY XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX as Assistant Vice President of XXXX 's investment division which we believe is a conflict of interest as he has continued to litigate in bahalf of both XXXX and Nationstar by XXXX XXXX. ( Download of XXXX pages will not attach. I will mail a copy to the CFPB ) We are asking that the CFPB address and investigate these important notary violations from XXXX XXXX and her employees at Aurora Loan Services , LLC. and Nationstar Mortgage , LLC. 
If I can be of any further assistance in your investigation, please contact me anytime. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with FIRSTBANK PUERTO RICO (PR).
Issue: Deposits and withdrawals

Complaint: i deposit my money on friday and on saturday money desapire i ask the bank an they told me they dong know

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (IL).
Issue: Problems when you are unable to pay

Complaint: I am financing a vehicle through Exeter Finance Corp., the loan started XXXX @ XXXX a month for 6 years i financed XXXX for a XX/XX/XXXX XXXX XXXX, i noticed the balance was not going down after XXXX XXXX yrs of payments so when i started to inquire on why that is, in a course of approx 2 months i was told because i pay late they are charging a daily interest rate which is why the principal is not being applied, there is a late fee of 5 % interest on the contract and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from. This prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies, multiple instances, from multiple collection companies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. They are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CO).
Issue: Unauthorized transactions/trans. issues

Complaint: My check is directly deposited weekly on my card and for the last 2 weeks my account has been showing a XXXX balance even when i had funds on It already now tgey have suddenly disappeared on top of that my checks has been processed to it and im still not able ro access it. Everytime i call customer service i get hung up on or i get an automated system saying there at a high volume call and to try again later. I have bills that are now past due and charging me late fees due to this. I have my daughters birthday today that i cant even buy her a cake due to this matter this is unacceptable sad and frustrating..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In  XXXX  &  XXXX  I worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have  a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against 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 04/17/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Tax lien is not mine I have disputed this with the other agencies it was all removed would like them to provide me with the name the number and the extension of the person who they talk with

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Payday loan) with Main Street Personal Finance (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have advised them in writing and verbally to only contact me in writing. They are continually calling my place of employment using different numbers each time. For example XXXX and XXXX. In addition they are continuing to contact my contacts listed although I have advised also for them to stop calling them and harassing them. My address is the same and I will respond to anything that is sent to me in writing however I do not want to be contacted by phone. When I was contacted and asked to verbally stop, they insisted that I owe them money and that is why they will continue to call. I have back to back calls to my place of work, my cell phone, my husbands phone etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (KY).
Issue: Problems when you are unable to pay

Complaint: I took this car loan out XX/XX/XXXX. When the loan was taken out I advised that they can not call my place of employment under any circumstances. I put it on the application and all documents for me and my wife. I had to make a welcome call to GM and give them consent to call my cell, por and my wife 's cell. At which time I advised do not call either POE. Every month when I talked to them you have to verify your phone # and give consent to call. At which time myself or my wife would advise no calls to POE. The agent would always say it is marked. I had no issues until I became sick and fell behind. I kept in constant contact with GM advising of my issues and scheduled payments. I was sitting at my desk one day at work and an agent comes to get me and said the customer is asking to speak to you and will not give any information. I advised please transfer to my desk and I will talk to them. It was not a customer it was GM. They called into XXXX ( my employer ) through a customer line and asked for me until they were transferred to me. When they first called they heard the monitoring disclosure and each time an agent talked to them ( XXXX ) they heard this as well plus heard this from me. They knew they called a customer line and was being recorded. This is my issue. They knowingly with intent called the customer # to cause harm, embarrass, and put my job in jeopardy by calling. The call is recorded and over XXXX people are now privy to my personal information because GM broke the law by knowingly calling in on a customer line and pretending to be a XXXX customer to get to me. Issue XXXX on XXXX XXXX late night my vehicle was taken from my driveway. I thought it was stolen. No G M illegal repossessed my vehicle. I was late, yes I admit that I was 45 days late with a payment scheduled through GM XX/XX/XXXX. I was in constant contact with them and they were aware of the payment plan. They took the vehicle with no notice and a payment pending in their system which would have brought it less than 30 days delinquent. I want XXXX XXXX things to happen. 1 GM gives me all funds paid on the vehicle, takes it back and marks it as paid in full. 2 GM provides me with a paid in full letter and we go our separate ways. GM breached my confidentiality by calling in on a customer line where over XXXX people now have access to that call and personal information. If these XXXX options do not fit for them I am open to hear what they have to say. If need be I will sue for breaching my confidentiality willfully with the intent to cause harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient ( former XXXX XXXX ). Is threatening and ruining my credit score because they are a backwards company. XX/XX/2014 I had made a payment of {$930.00} to make my account up to date. XXXX days later I made another payment for XXXX of the accounts for {$170.00}. Navient is claiming that I still have not paid the XX/XX/XXXX payments and other payments throughout the year. They have sent numerous credit reports stating I 'm this far behind when I'am not. I sent Navient a printed payment history from their website and highlighted each loan payment in a different color for each loan stating when it was paid and the amount. They are still threatening that this is behind calling family members who are not immediate asking for my co-signers. Im trying to resolve this situation and pay my loans but it is impossible to work with this company and they are affecting my future.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: Went to the bank on XX/XX/2016 to cash a check with my account, only to be told my account was being closed. I had a good status with the new account. Now my start to a new year is in a whirlwind and I feel it 's truly uncalled. No one has answers. Just telling me that it was there choice.

Company response to consumer: Closed with explanation