milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (NC).
Issue: Settlement process and costs

Complaint: I has been working with a loan officer named XXXX who at the time was working for XXXX. I had met her through a first time home buyer class, I started the process in XX/XX/2016. I literally talked to XXXX at least 2x a week! I was pre approved and then approved for the loan. I found a house that I had built from the ground up, I had moved my whole family which includes my XXXX son and my husband from living in a nice apartment uptown. She told me I did n't have to put any money down, so she then moved to movement mortgage which she never let me know I had to reach out to her again! Which she finally responded about a week later! She then ran everything again and told me I was approved for the same loan amount. This was around XX/XX/XXXX, now in XX/XX/XXXX there was a change in the way lenders processed student loans which I was aware of and she told me that I had nothing to worry about, I said okay and continued to do what she asked me to do. About 2 weeks before closing she tells me that I wo n't be able to close on the loan unless i get rid of my car or find a new job paying me more! 2 weeks!!!!! I moved my family! At this point I was livid, stressed and depressed! One of my friends who had tried to work with her left and found another loan officer who wa able to approve her at a much higher rate thing XXXX initially had! My friend told me to ask her about the an Fha case number so that the 1 % of my student loans would or be counted, so I asked XXXX and come to find out she never even put the case number on my file! So I lost my house and I was homeless for about a month because she never entered in a case number to keep me grandfathered in to avoid the 1 % being counted against me! All she could say was " I 'm sorry I thought I did ''. I contacted her manager he said that she has had several complaints prior to me ( manager from XXXX ). She also did the same thing to a co-worker! I called XXXX about a month later and her manger said that i was never even approved they have no paperwork on me! I literally signed over 100 documents and arill have them showing what I was approved for. This was by far the worst experience ever! I would never wish this on anyone! XXXX was not truthful at all and she seemed to be a scam artist! XXXX and movement mortgage did nothing to ensure the protection of their customer ( me ) or coach her on anything! Because as stated both parties said she has had several complaints and did nothing. I hope this gets to the right place to avoid anyone else need scammed by her. Oh i also worked with a woman at XXXX for the credit portion of the loan and she told me that XXXX had moved over 5x in a year to different lenders! The consultant was so upset because she knows that XXXX is good for this.

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 05/16/2017 about Debt collection (Other debt) with Perfection Collection (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Perfection Collection in  XXXX  Utah has put a collection notice in  XXXX  of the  XXXX  credit agencies against me, but I 've never received a written notice of debt from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VeriCore, LLC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Over the past 13 years, the student loans I took out to attend XXXX XXXX XXXX have ballooned out of control due to the errors, omissions and deceptive practices of Navient ( formerly XXXX XXXX ). 

Original balance on a loan I started was for {$26000.00} and another ( which I have yet to see my signatory document ) for {$19000.00} ( total : {$45000.00} ) increased while I was paying the monthly payments ( as I was able ) to {$76000.00}. 

Now I am not a finance major, but even with a few forebearances that I requested when there were financial troubles, but it seems that misallocation of my payments to forebearence fees, erroneous late fees, etc caused capitalized interest build up during my repayment program. 

So even though I was making payments, the balance only always rose. Even when I requested a fixed payment extended plan ( which would increase the overall sum I was paying ) they did not put me in that program and with variable rates increasing, the payment kept increasing. 

No one ever advised other alternatives to forebearance, nor did they advise that the interest first payment structure was going to be used. So although I made 13 years of payments, nothing was ever applied to the principal balance - and with capitalized interest - my balance has only increased. 

I am a teacher and I can only shake my head that the deceptive practices of Navient ( XXXX XXXX ) are allowed to continue like this. 

When my repayment program shifted from $ XXXX to $ XXXX, I extended the payment plan so the payment would be $ XXXX. Over the last 4 months, the payment has increased by $ XXXX so now when faced with a $ XXXX payment that never seems to decrease the principal balance, I refinanced the loan with XXXX. It took me 2 years to repair the credit reporting mistakes that Navient made to the reporting bureaus, else I would have left them long ago. 


This is exactly the type of loan program that caused the mortgage meltdown and needs to have corrective and significant action so that other borrowers are not treated like I was and they do not experience the financial hardship of ever increasing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, at XXXX PST somebody wire the Amount of {$16000.00} to a XXXX XXXX XXXX Account endi ng on XXXX ( I do not have the full Account Number only XXXX Last Digits ) from my Paypal Account without my Authoriz ation. This is Grand Theft I have contacted Paypal on several occasions, starting on XXXX XXXX, XXXX, then XXXX, then XXXX XXXX and the y said there is no issue and they do not want to help me. They always said somebody is going to help me but nobo dy contact me. 
I went to XXXX XXXX XXXX, to verify and they are willing to help me if I give them the complete Account Number wh ere the money was wire to so they can trace who it belongs to, the manager of XXXX XXXX XXXX contacted PayPal, a nd they did not want to help. They said I need a subpoena. 
I filed a Police Report. 
I do not know what to do since Paypal does not want to help me find out who stole my Money. I need to get the co mplete XXXX XXXX XXXX number so XXXX XXXX XXXX can trace the wire. 
I requested Paypal to give me the IP of the Transaction but they do not want to help me, I am sure that if we find o ut the IP we can trace who got into my Paypal Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. 
XX/XX/XXXX I received a trial modification plan. 
I paid the trial plan on time XX/XX/XXXX when mortgage was modified. 
In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. 
Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. 
Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with Comerica (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I have a direct express account where my ssi an ssdi goes in. I tried to contact them for a week and they keep hanging up on me. I also tried to call and text the two companies that charged me and no response I feel its a fraud company and I dont want them to hit my account again. The amounts are {$82.00}, {$34.00}, {$72.00} and it was taking out on the XXXX on the XXXX of XXXX XXXX and the companies name is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with First Credit Services Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. 
I would like this removed from all reporting agencies, XXXX, XXXX and 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 02-08-2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company is attempting to collect on a debt that is not owed, and failed to send proper documentation validating the debt Not Verifying it. They are reporting this inaccurate information on my credit report, and cannot provide the proper documentation in which a written letter was sent XX/XX/XXXX asking them to provide me with copies which they failed to provide so they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Submitted disputes with company where either information was incorrect or did not update. When items were reported to be removed by creditor, they were not removed. Timeliness and accuracy of reporting was inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Hirshberg Acceptance Corporation (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My State income tax refund was garnished and my bank accounts have been garnished. I do n't know what this is about. I have n't received information about this. To whom I supposedly owe money, how much, when etc ... I have tried to contact Hirshberg Acceptance repeatedly with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Vehicle loan or lease (Loan) with GFS II, LLC (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Today is the 3rd time XXXX  at Gateway Financial has contacted my family/friends without attempting to call me first.  I have repeated asked that I be contacted first on my cell and at least give me an attempt to answer her call prior to contacting my family.  I consider this harassment.  In addition, I have repeatedly advised them that I will be getting a bonus on XX/XX/XXXX.  They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly.  I have paid well over what the truck is worth and still owe triple what it is worth.  I got locked into this loan by a shady dealership (XXXX).  I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning.  But I am taking ownership and paying it.  I have gotten in a few situations financially with job losses of my fiancé and it has been a nightmare trying to deal with them through it.  I have had other companies who were much easier to work with (XXXX XXXX for example).  I am tired of this constant harassment and threats to repo via email but then I can't email back my plans to pay (I have to talk to XXXX and be degraded like a school child).  I have had enough.  It should be against the law to continually contact family/friends without attempting to contact the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Problems caused by my funds being low

Complaint: Topic! 
Santander bank XXXX Pa. 
I had a checking account bal. of {$1600.00} on XXXX/XXXX/17 a check came in {$39.00} for payment from my account on XXXX/XXXX/17 That same morning XXXX I made a cash deposit of {$800.00} and check deposit of {$350.00} ... 
My account was charged a {$35.00} overdraft fee ..Santander bank has been doing this and charging these fees on a regular basis..at times the bank fee is correct in the overdraft charge ... but at this point with a cash deposit to cover the fee that same morning seems excessive and fraud to me ... 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: I made a deposit with Chase Bank on XXXX XXXX 2015 for my charged off account in the amount of {$440.00} at my local branch. I received a receipt from the branch and did n't have any further communications from the bank so I was led to believe that the issue was resolved. Going forward much later on XXXX XXXX 2015 I had a check mistankly deposited with Chase by a third party ( State of Colorado ). Upon calling Chase Bank I was told that my account was still active, no previous payment was applied, and that they would only be returning XXXX of a check of XXXX. I then provided the customer service representative with the recipient information and was told it would be investigated and would be called within 48 hours. I did not receive any follow up within that period and reached out to Chase Bank one week later. I was then told by another supervisor that she did n't have any information and did n't reveal anything until I told her that I would be filing a complaint with the CFPB. She then told me that they were unable to locate the payment and that I would have to go into the branch with the receipt to have it investigated. I then told her that would be impossible as I am out of the state and the receipt was back in Colorado due to being out of town for a family funeral. I also asked if I could have someone email or fax the receipt and she told me that was impossible. She then told me she would speak with her manager and would call me back within 48 hours which she did n't. I then again called Chase Bank a week later and spoke with yet again another supervisor. I was told by this supervisor that there was nothing that they could do and was extremely argumentative the entire call. He proceeded to tell me that the information that the original representative walked me through to provide off the original receipt was incorrect. I asked to speak with a manager as well as provide the number for the Chase corporate offices which he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is a fraudulent identity theft account also is a copy of my police report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with Radius Global Solutions LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have been receiving multiple phone calls from Central Credit Services LLC regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked Central Credit Services multiple times for them to stop calling my employer and they still continue.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX*****THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1.  XXXX XXXX XX/XX/XXXX2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10XXXX XXXX XX/XX/XXXX 11.  XXXXXX/XX/XXXX 12. XXXXXX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation