milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I contacted Amerisave Mortgage and spoke to XXXX XXXX, one of their loan officers. I told XXXX that I was turned down for a mortgage loan last summer. I told him I found another property and that I am looking into finance. I specifically told him that I need him to prequalify me before incurring any expenses. He asked me a good number of questions about my income, assets and liabilities. I answered him truthfully. He assured me then that he sees no problem in me getting the loan. He said he will email me a pro-approval letter to give to Seller, and proceeded to ask me for my credit card in order to obtain an appraisal. I am not sure as whether he asked for my credit card info during our first conversation or at a later time. 
After a month of dealing with loan processor, my loan was declined because my loan to income ration was XXXX and not XXXX I told XXXX XXXX as well as Amerisave Customer Relations that due care was absent dealing with me, that the loan officer should have had doubt about my qualifying in view of prior rejection, and should have been more thorough before costing me money. I asked for {$940.00} in expense reimbursement, but Amerisave declined taking any responsibility. 
PS : I asked Customer Relations to look over the recorded information between me and the loan officer. Customer Relations replied the tape was erased.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Navient in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Currently, I have a principal retirement payment taken out monthly in addition to my usual payment plus escrow. I want change this. In the middle of the holidays, I called the mortgagor, Santander, to make a change. They blocked access based on both the last XXXX digits of my SSN, and the whole SSN. The response was that it was incorrect. I know my SSN. They do too, as my tax forms ( XXXX, XXXX ) arrive at my address with the correct SSN. After that I tried to access a person and got cut off. I have run into this before with Santander. They obstruct for some reason ant interaction with their clients. 
When I tried to set up this accelerated payment, they resisted my efforts, until I filed a complaint with CFPB. Then they complied. It appears to me that the only way to deal with this bank is through your agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: For the past week have been getting numerous phone calls on my home landline that I do not give out from various mortgage refinance companies claiming that I requested a refinance quote and that my   XXXX   credit report was pulled for this. I checked my  XXXX  report and the only inquiries that do n't look familiar to me were to soft pulls from credit karma one week ago.

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 03-03-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I had been in dispute with XXXX mail service since XXXX XXXX. XXXX sent me several prescriptions with a total co-pay of XXXX. I promptly paid XXXX by check as well as XXXX using pharmaceutical vouchers/coupons. XXXX returned the coupons advising me that they did not accept them and requested I pay the balance of {$130.00}. I was surprised by this and contacted customer service to ask how I would have known they did not accept coupons, they stated I would have to call them to find this out. I stated that was unfair since I could have gone to the XXXX store down the street and gotten the medication and had the coupons accepted. Their failure to disclose their coupon policy put me at an unfair advantage. In XXXX XXXX, a customer service rep told me that I could go directly to the drug manufacturer for reimbursement which I did. I received {$55.00} from the manufacturer which I promptly remitted to XXXX. This left me with a balance of {$77.00}. I contacted customer service again to discuss how to dispose of the balance but had been playing phone tag. On XXXX XXXX, XXXX, XXXX processed a debit adjustment against my credit card on file without my permission to collect the remaining balance. I have attached the email correspondence where they assert that they had the right to charge my credit card without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report from TransUnion lists my name ( XXXX XXXX XXXX ) and a name that I have never used : XXXX XXXX. The name XXXX XXXX first started being used by collection agencies calling me about 12 years ago. I was never told what company had employed the collection agency, but the name was passed around to differenct agencies, and I always said I have never been nor am I now XXXX XXXX. The calls have stopped, but her name appears on TransUnion report. XXXX has XXXX addresses which were never my address : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, NY XXXX. I believe these addresses may have belonged to XXXX XXXX. Please remover the name XXXX XXXX and the XXXX incorrect addresses from my credit reports.

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 non-monetary relief
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Credit Corporation (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am XXXX XXXX military, and as such I fall under the protection of the Soldiers and Sailors Civil Relief Act ( SSCRA ). SSCRA states that I will not be charged property taxes on a vehicle I own from another state. There was an issue regarding my tax waiver with the state of Virginia to get it waived for last year 's tax cycle, but I was able to resolve it last month. However Nationwide Credit Corporation in XXXX VA, the debt collector hired to get this tax, is still saying I owe them money. It is in complete violation of federal law, and state/county accepted policies. I have told them multiple times about the law, about how I have saved correspondence with the county saying I do not owe anything, etc. Yet they continue to harass and threaten me that I owe them money ... despite the fact that federal law and the tax collector 's office in XXXX county VA says otherwise. I have saved correspondence between the XXXX, NCC, and myself if you wish to have it.

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 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened an account via carecredit.com XX/XX/XXXX to help me afford a XXXX XXXX that was performed today on XX/XX/XXXX. The promotion was an interest free for 6, 12, or 24 months. The six months was forced upon me as a take it or leave it deal, an arrangement that is not possible for me to pay in that timeframe. And failure to pay in that timeframe now results in a punitive and usurious interest rate of 26.99 % ( given my credit rating I should qualify for less than half that rate ). I called to closed the account and was given the run around. I asked for a supervisor and was put on hold for nearly twenty minutes while the recording said " please hold for the next available escalation specialist ''. I asked for a supervisor, and I got the run around yet again. This is an outfit that preys upon the vulnerable that are in need of medical care with terms designed to be impossible to take advantage of the " promotional '' rate. This payment " option '' was promoted by the XXXX as a way to help me afford the procedure, but in actual fact it is turning out to be far more expensive than if I just put my cost on my regular credit card.

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 non-monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.

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 08/18/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hey my name is XXXX XXXX and I had items that report to my credit report that does n't belong to me. I have submitted documentation to each party that is involve : credit bureaus, creditor and collection agency. Still no one has resolve this issue. The account t listed below DO NOT BELONG TO ME!!! Account Name : Stellar Recovery Account # : XXXX Amount : {$440.00} Please remove this account immediately and send an updated report. If not I 'm will to submit another complaint if needed to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Upon return of our vacation, we logged into our Chase account to find that Chase charged us 8 seperate overdraft fee 's of {$34.00} each over the course of 24 hours. Not once, were my husband or I notified that we had overdrafted our account. Not once. EIGHT {$34.00} charges on our account and not one notification. Upon contacting Chase, I was transferred multiple times and the only response was that they could only refund 3 of the overdrafts and not all 8 that they had charged. Leaving me with a {$170.00} fee because Chase did not notify me of the overdraft charges when the occured. On top of this, I am signed up to recieve notifications for this account and if it reaches below a certain balance. Chase states that they notified my when they did not. I offered them my phone records from XXXX so they could see that these alerts were never recieved. Chase still refused to care and said they can only refund 3 of them and that no one in their company could refund me more than three of the overdraft fees. No one. As a XXXX XXXX myself, I know that statement is ludicrous. 

I have been a loyal customer of Chase Bank for over a decade with multiple business accounts, checking accounts savings accounts and credit cards. The representatives have been rude and condescending towards my requests and I beleive I have enough reasoning to be refunded the {$170.00} that they charged me on my account without any notifications, despite them admitting that I was in fact signed up to receive account notifcations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I currently have my loan serviced with great lakes, the website is very hard to understand, nor is there a way to see an amortization schedule to see how much principal/interest I am paying into the loan, there is also not a way to pay down principal which seems to b e in violation of the higher education opportunity act of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (RI).
Issue: Managing the loan or lease

Complaint: I make my car payment every month over the phone and usually they call me. I make the phone call to make the payment over the phone and I told the lady that I did n't have my account number with me ; after she asked me many questions at the end she asked for the last digits of the accounts otherwise I was not going to be able to make the payment. After all that time wasted she ended up saying that to me?? 
I insulted that woman ; then I asked for the supervisor and she hanged on me when I was explaining her what happened. 
I told them I 'm making a payment. Can you believe that? 
I was n't withdrawing any money from them. 
The customer service representative never ever mentioned that she was asking for the checking account number.

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 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a payday loan with XXXX XXXX in XXXX of XXXX. It became delinquent immediately. In XXXX of XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XXXX. But XXXX put that date as XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Trans Union and they left it on my file.

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 non-monetary relief
Consumer complaint received 07-01-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a commercial business card with my XXXX that is used for travel ( J.P. Morgan Chase ). On XX/XX/XXXX the university business office associate who handles processing of charges on these cards emailed me regarding unreconciled charges on my card of {$1300.00} CAD from XXXX XXXX and an international transaction fee of {$10.00} USD - these charges were from XX/XX/XXXX. 

These were fraudulent charges from an XXXX national purchasing a ticket from XXXX XXXX to XXXX. His name and passport information were included in the ticket, and the ticket number was on the credit card statement. The individual 's name and information were confirmed with a call to XXXX XXXX referencing the ticket number ( confirming that the charge was not from me ). I promptly called JP Morgan/Chase fraud department and reported it, but the time frame of catching the fraudulent charge was outside of their window and thus I filed a police report with our local jurisdiction, which was investigated and handed over to the FBI as the individual who used my card as fraud was an XXXX national and not a US citizen. They have assured me that we will not hear back from the FBI regarding the case, and that it is out of local police 's hands. 

I have since then been pressured by my university and the bank to pay, out of my own pocket, this charge. I believe I am entitled to an investigation as the evidence is very, very clear who the perpetrator was, down to his passport information. This was n't just a credit card charge to a random website, but was from an established airline with a clear ticket number that was not from me. 

If the CFPB can do anything to help me, I would be greatly appreciative.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion has consistently violated XXXX request to rescind any and all wording of foreclosure in the records of XXXX XXXX loan # XXXX. It 's shocking that the have continued this reporting with the knowledge that request to squash has been in there hands for years. This information was also presented to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation