milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2018 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I wanted to refinance my existing loan XX/XX/XXXX with Amerisave. Amerisave is in the business of " bait and switch ''. I was told that I could get a loan basic on my credit score ( XXXX ) and income. They had me get an appraisal XXXX to start the loan process without a " Good Faith Estimate ''. Amerisave required consumers to order and give payment authorization information for an appraisal before it would provide a Good Faith Estimate ( GFE ) for the mortgage, I found out later that the appraisal orders were being referred to its own affiliated company. During the loan process there was always something they needed. The out come was to get a loan for XXXX dollar more than what loan owe on my original mortgage. Amerisave was fined by CFPB Orders Amerisave To Pay {$19.00} XXXX For Bait-And-Switch Mortgage Scheme XX/XX/XXXX. I called amerisave customer service, I just wanted a refund of my appraisal fee and got the run around. Something needs to be done about scams companies like Amerisave. Thanks.

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 04/22/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call from a representative, was told I had an XXXX backed credit card at XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX - which is not true. I asked for proof of the debt and the person I was speaking with said to check my credit report, which I do frequently - there is no such listing on my report. They said they were going to serve me with papers and needed to verify my address. I asked again to discuss the history of debt and was hung up on. I called back and again was hung up. The phone number I dialed was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Auto debt) with Coastal Credit, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with the debt that i owe. This account was a joint account an was paid off years ago. These are the certified mail tracking numbers XXXX that was signed for by a coastal employee, along with numerous of other attempts to remove this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, My name is  XXXX   XXXX  and I open a credit card account with Chase Bank f or British Airways ( A cct # ) around    2002  and at that time there was no Annual Fees. I have never sign any credit card agreement with this bank Chase bank with British airways and now I have been charge annual fees without my consent or any agreement between me and the bank. I have requested several times to send me the original agreement with my signature on it that show any annual fees involved but to no avail. Chase bank refused and trying to destroyed my credit rating files with  XXXX  major Credit Bureau by pressuring me that I have to closed or cancelled my credit card account in order for them to stop billing/Charging me for annual fees that I did not signed for. I have never received any agreement that involved annual fees. I am asking for your help to stop this kind of abuse from  Chase B  ank/British Airways from   XXXX  off a working class people like me. Enclosed below is my attachment billing from  Chase bank /British airways.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I got on the quicken loans website and started an online chat with one of their live representatives. I told the guy that I was only seeing what I needed for the future and did not want to apply at this time. He took my information and said he was not going to run my credit yet until I was ready at a later date. I later found that they did run my credit against my will and they refuse to remove the credit inquiry from my credit report that I never asked them to run. I sent them 2 different letters asking them to remove the inquiry as I did not authorize it and they refused saying that I needed to file a police report if my identity has been stolen. I never said my identity was stolen I said their representative ran my credit against my will even though he promised to wait until I was ready. This company has treated me extremely unfairly and now I will NEVER EVER do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have a collections on my account for a XXXX medical bill i do not owe. I have insurance and at the time they are accusing me i did to. I had gotten a letter in The mail a couple years ago from a hospital appologizing that my information and medical files are at risk because some computers were stolen from said hospital. I am very very upset that they keep bothering me. I continuously get mail from them telling me to pay this bill. I have even recieved a phone call a couple of times on my home phone. I will refuse to pay a bill i do not owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a home equity line of credit from  Bank of America. It was a ten year pla n and then you had to pay it off. When it matured in  XXXX  of   XXXX   I was in the process of getting a new line of credit and they charg ed me 5 percent l ate fee on the balloon balance. This charge was about {$7400.00}. I told them I was in the process of getting a new line and they said they would remove the fee when the account was paid in full. I said I needed to have it removed so I could determine the correct pay off amount. They would n't budge, I did n't trust the company to remove it at loan closing time. The contract says nothing about charging a late fee for the balloon balance. It says a late fee will be charged for any monthly payment received late, but nothing for the balloon balance. 27 months went by and I faithfully sent my payment of the interest charge and some of the principal. In 13 years I had never missed a payment or had a payment received  late. My credit score  was excellent. Even though I paid the interest each month from the monthly statements I received from BOA, they still reported my account as delinquent because the line of credit had matured. I had written several letters asking for the amounts to be removed and got no response. The first week in  XXXX  of this year a Foreclosure Notice was duct taped to my front door. I was shocked, disgusted, and embarrassed. I have always paid my bills or gone without and now my house was going to be sold at auction on  XXXX   XXXX . I now have a weakened credit record and I am trying to get a new line and I am still unable to get BOA to remove the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked the credit reporting agencies Experian, XXXX to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, Experian and XXXX are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will someone please help me get this resolved.

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 08-08-2015 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Transunion and XXXX Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from TransUnion or XXXX. 

XXXX is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with XXXX   several times, with the information still remaining on my credit report.

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 08/14/2015 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Simms and Associates a debt collection company has called me no less than XXXX times regarding an alleged collection for my daughter XXXX XXXX. 

I have informed them each time this is not her number, I have no involvement in this claim and in fact they will not disclose ANY information to me about it as they acknowledge that I am not party to the transaction and they can not disclose any information to me, yet they continue to call. 

Each time they insist they have never called me before, today I said, " then how do I know who you are and what you are calling about. " Each time I have asked them to stop calling yet they continue to call me. The latest call was today. 

My daughter has spoken to Simms and Associates approximately 3 months ago ( so yes they have been in contact with her directly ). She asked them to send her a letter with proof of the debt and explanation of the debt. Their response was they already sent it, however, she has received no such letter or information to date. She asked them to send the information and it still has not arrived. 

The person I spoke to today was aggressive, insistent about getting personal contact information for my daughter, refused to provide ANY proof they have a valid reason to contact her, and denied the firm has ever contacted me before. 

I told them they are violating the law by continuing to contact me and harass me. She insisted they are not violating the law by contacting me about a debt I am not a party to. She did say they would remove me from the list, BUT they have said this the last XXXX times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: RE : CFRB Case XXXX Navient States : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have confirmed that Navient services one Spousal Consolidation Loan on your behalf. Due to non-payment, Navient filed a claim with your guarantor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The claim was returned on XX/XX/XXXX. Because we were not able to resolve the past due amount on your account, on XX/XX/XXXX, this caused the loss of guarantee. XXXX did not pay the default claim and Navient continues to service your loan as an uninsured student loan. We have submitted an update to the National Student Loan Data System ( NSDLS ) to update the status to Defaulted Uninsured. By signing the Promissory Note, you have agreed to pay the principal and valid interest that accrues on the account in full. Please contact us at XXXX if you would like a copy of your Promissory Note. If you are interested in bringing your account up to date, please contact our Cures Department at XXXX. 

The purpose of consolidation may have been to take advantage of loan forgiveness programs offered through the Federal Government. By Navient illegally converting this loan to a non-federal loan, those opportunities are eliminated. The promissory note that was forwarded was specifically for Federally guaranteed loans. If a signed Promissory note for NON-federally guaranteed loans can not be produced, then these related accounts need to be expunged from our record.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. This collection did not appear on my credit report pulled XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This complaint is about  XXXX  Synchrony Bank Accounts -  Amazon, PayPal Smart Connect, and Car Care One. I became behind with them a  year ago due to medical bills and my only source of income is  XXXX . They charged off the accounts between  XXXX  and  XXXX ,  XXXX  and they say they sold it to  XXXX   XXXX   XXXX .     In  XXXX ,  XXXX , I was able to cash out my pension as a hardship and I made a diligent effort to give all my past due bills something. I gave the entire pension amount to pay medical bills first and then other bills. I gave each of the above mentioned accounts {$750.00} each. I paid by  Bill pa y from my bank. I have proof of payment. However, they never reported the payment on my credit report and they did not send it to  XXXX   XXXX   XXXX  as they continue to bill for the full amount. They told the credit bureau that they reported correct information, but they still have not.     This is {$2200.00} altogether! That 's everything I had as there are no other assets. If they did not credit it, did not give it to  XXXX   XXXX   XXXX ., then they need to refund it! I tried to do right by them when I had nothing more to give.

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 08-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against " Seterus '', a debt collection and mortgage servicing company. 
My complaint would qualify as an overpayment of funds that are not being returned or acknowledged. 
Description - In XXXX of this year I set up a repayment plan to catch up with my mortgage. The agreed upon plan consisted of five monthly payments. The first payment of {$2900.00} and the remaining four payments of {$2200.00} each. After which regular payments would be made. 
The plan was set up and completed just as agreed upon. Each payment was drafted from my checking account and paid in full. This we agree upon, but XXXX additional ; payment of {$1400.00} was made on XXXX XXXX that they have no reasonable explanation for. I 've called 4 times, spoke to supervisors and various other analysts and they give me the go around that no reasonable person could understand. They do admit that mistakes were made on their part, but still refuse to return the money to me. ( I have statements and records to verify my facts. ) Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I got my load mod and I have made XXXX installments for the trial period. They have a sale date on XX/XX/2016. The lady that is handleing the case said that if I made my payment by the end of the month so I can get the money to made the payment for the trial period. I talked a other person and they said that we need to make the last payment before XX/XX/2016. how can we get a XXXX in one week. I just made the XXXX payment of XXXX and that take all the money at i had. can you help in stopping they for the sale date. we have gotting the notice of sale..

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Other debt) with The CMI Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Management , LP of XXXX, TX is attempting to collect on a debt that is known to be invalid. The alleged debt originated with XXXX, who has continuously assigned or sold the debt to third party collection agencies since 2012. Every 6-12 months, I receive a notice from a new debt collector attempting to collect the debt. 

Each time, I request verification of the debt and, because it is not a valid debt, each time it is returned to XXXX. I submitted a complaint regarding this debt to the CFPB recently when the agency " XXXX  XXXX '' was attempting to collect. When I informed XXXX XXXX that the debt was invalid, I instructed them to inform XXXX of the same, which apparently they did not do or XXXX ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute with Experian. Within XXXX days I received a response that that dispute was closed/ resolved. Nothing ever changed. Both XXXX and XXXX removed the items from my report due to it being false information. Experian did not investigate the false information and has not removed it from my credit report with them. When I called Experian the representative said they do not do disputes and I was basically out of luck. These items on my credit report are false, and how do I get them removed if Experian will not do an investigation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (I do not know) with ATG Credit, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.

Company response to consumer: Closed with explanation