WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB COMPLAINT : This is to file a formal complain to CFPB against SATANDER CONSUMER USA XXXX. This is with regards to my account ref # XXXX. I would like to report this businesses UNFAIR BUSINESS PRACTICES including they LACK OF CUSTOMER SERVICE. Below are their  violations : 1. CANCELLATION OF AUTOPAY/ACCOUNT MISHANDLING. I called Santander today XX/XX/2018 and Spoke to a representative named XXXX. He confirmed that the last auto payment was posted XX/XX/2018. He also confirmed that Santander cancelled the autopay because the payoff amount ( last payment ) is lower than the actual regular scheduled payment. Why would the cancel my autopay if the payoff amount is lower? I would have understood that they canceled my autopay if my payoff amount is higher than the designated payment amount, but this is not the case. Cant they just change the amount to what they payoff amount is instead of canceling my auto pay? This is definitely one of their Unfair Business Practices. 
2. LACK OF CUSTOMER SERVICE. Santander did not notify me that they will be cancelling /disabling my autopay. When I called today and spoke to two different representatives. They said they normally do not send out notifications, or they dont notify clients about it. They confirmed that there are not notes on the system showing that I was notified about my autopay status. 
3. DISPUTES SHOULD BE DONE BY SUBMITTING A DISPUTE TO THE CREDIT BUREAUS. 
Santander refused to help resolve the error they reported on my credit report. The rep I spoke with, said that I need to file a dispute to the credit bureaus first then the credit bureau will contact them. When I asked the rep why I can not file a dispute directly to them and why do I need to go to the credit bureaus, he just said that that is the process. Their credit department do not even have a phone or fax number. 
4. SANTANDERS REFUSAL TO ACCEPT THE PAYMENT OVER THE PHONE. Attached to this complaint is a letter from my ACCOUNT MANAGER XXXX XXXX who manages this account and makes payment for this loan. As a matter of fact when I spoke to Santander rep today, they confirmed that they have her name showing on the account enrolled for the auto pay. The refused to assist her when she called Santander and refused to accept payment over the phone. Had Santander accepted the payment, then we will not end up with this situation and my credit file should have been damaged. 

Despite the fact that the damage on my credit report are due to their errors, they wont help. Their negligence and unfair business practices violates the California Credit Reporting Act due to missing late payment disclosure. They wont even accept a dispute and wont do anything to delete the incorrect and unfair late payment theyve reported. These facts are enough for me to file the SC100 ( see attached ) in 30 days and take this a step further if this issue will not be resolved here in the CFPB.
We are serious company who makes {$700000.00} gross revenue with a constant positive business account of {$20000.00} to {$30000.00}. We have since XXXX XX/XX/XXXX a business account with the XXXX XXXX former XXXX XXXX XXXX. In XXXX XXXX we received a credit card with a {$5000.00} credit line. 
On the XX/XX/XXXX statement XX/XX/XXXX appears a Balance due of XXXX. 
An automatic payment was previously installed. 
In XXXX XXXX the Credit department of the XXXX XXXX failed to consider our first automatic set up payment and registered an incident. Thus they decreased our limit to XXXX dollars. 
In XXXX XXXX. That was the first damage. 
We called and asked them to solve this issue and come back to the initial XXXX dollars approved limit. 
In fact this call was assimilated as a request for a credit line increase. 
We were surprised to be informed on XXXX/XXXX/XXXX that our request was denied and registered as well in the credit score history. 
A second call produced exactly the same effects and on XXXX/XXXX/XXXX we received a second letter with the same denial of approval on a credit line increase. As a result our Credit score went from XXXX to XXXX. 
On XXXX/XXXX/XXXX we made a payment of {$2800.00} for a due date of XXXX/XXXX/XXXX. When we looked up on XXXX/XXXX/XXXX if the payment which was withdrawn of our account on XXXX/XXXX/XXXX was registered in the payment history it did not show up. Again we paid {$2800.00} on XXXX/XXXX/XXXX as it did n't show registered. The same day we paid {$2900.00}. So for we had a credit on our account but the XXXX XXXX refused payments to our suppliers. 
As we tried to explain for a third time to a supervisor the recurrent problems and can not find a positive solution to our matter, we would like you to intervene.
We went to our mortgage loan officer that we have used for all of our loans and as we were talking to him about the loan he told us because we wanted to build with XXXX his company Academy Mortgage would make us use a different loan officer. That we could not use who we wanted but who they wanted us to use in their company. We feel that that is not right and that we should be able to use someone we trust.
I purchased an item via XXXX and paid through XXXX which is linked and paid via my American Express card. I received an item that was fake - counterfeit. I opened a dispute with American Express. Simultaneously I alerted XXXX that the item was counterfeit. XXXX sent me a prepaid label to send the item back and assured I would be issued a refund. American Express assured I would be issued a refund also when I sent the item back. I sent the item, confirmed it was received back and was told a refund would be issued XX/XX/18. Two days later, I was told by XXXX they can not issue a refund because American Express is handling the issue. I have spent countless hours trying to followup with American Express including their Executive Relations area and continue to be told the case is on hold, they haven't heard back from XXXX -- which is false as I confirmed XXXX followed up with them. I have sent them proof the item has been returned back, and they are still not issuing the refund of {$510.00}. It has now been well over 6 weeks with no resolution.
Experian is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Wells Fargo has failed to supply the requested information I have asked for in regards to an FHA backed loan that is in my name. In XXXX, I notified XXXX ( the case manager at that time ) via the phone, that I wanted a copy of all paperwork regarding the short sale pending on property XXXX XXXX XXXX XXXX, Ohio XXXX. I also informed XXXX that the federal document, XXXX, regarding the short sale clearly states in line one of paragraph 2 that the realtor listing the property is to be unrelated to you ; the listing agent XXXX XXXX is XXXX XXXX 's biological aunt. Lastly, I informed Wells Fargo by message of this information on XX/XX/2018. I also informed Wells Fargo that a third party is living in the home and may presumably be paying XXXX rent while the mortgages payments are still not being made. It clearly feels that Wells Fargo is ignoring the facts that have been provided and thereby ignoring the federal requirements of this transaction. Further, they have been advised that monetary gain may be being received by XXXX for a federally backed loan that is not being paid. 
Wells Fargo responded to my written inquiry, via their internal message center, on XX/XX/XXXX stating XXXX XXXX was assigned as my point of contact until the issue was fully resolved ; I have never heard from him. Next Wells Fargo sent a letter to me from XXXX XXXX, dated XX/XX/XXXX, stating that my inquiry was important to them and they would respond by XX/XX/XXXX. In another letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo stated that my concern was important to them and they would respond by XX/XX/XXXX. In a letter dated XX/XX/XXXX, by XXXX XXXX, Wells Fargo again stated my concerns were important to them and they would respond by XX/XX/XXXX. It is now XX/XX/XXXX, almost two months after I initiated my complaint and they refuse to provide copies of all documents related to this short sale or address my concern about their disregard of federal form rules. These are not federally protected documents, and would be accessible under the Freedom of Information Act even if  so.
I have gotten 1-2 calls per day from Quicken Loans for the past week and a half this month telling me I was somehow interested in refinancing my existing mortgage. If I did, it was a mistake and I told them numerous times each time they called I was not interest and to take my name off the call list. I am continuing to get calls to this day. They have left two voice mails which means they are still calling me.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XX/XX/XXXX on or about XX/XX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I am contacted by this company multiple time a day. Every time I answer ( with a greeting ) I get hung up on. One day I called them back to see who was calling me and they stated the reason for the call. I told them to stop calling me due to the fact they never answer when I pick up and I am in the process of repairing my credit, so when the time comes, I will get that handled as well as the fact, I do not have the funds to take care of this debt. Here we are months later and they still keep calling. I called back again today, spoke with the floor manager, explained the situation and told him, too, to add me on the do n't call list. He refused to hear me. I have a feeling they will continue to call multiple times a day with no answer. I want it to stop
I have XXXX company 's rise and XXXX, XXXX that have been sold to another lender and a couple with late payments that is over 7 years old
My Boss received a letter addressed to me at his home address from a " Student Loan Consolidation and payment reduction program '' inside this letter is disclosed the total amount I owe in student loans. I have never lived at his address.

I am angered that my personal information was sent to his home and that my personal information was disclosed to him. The letter stated it was my " Final Notice '' so he has been receiving this information repeatedly. He brought it to my attention today XX/XX/18 and stated he was not sure why it was being delivered to his home.
I completed / closed on a refinance loan in XX/XX/XXXX, with XXXX XXXX XXXX, {$240000.00}. I have statements from XXXX XXXX that accurately reflect Escrow and Principal amounts along with correct recording of my payments and property tax payments. I also have bank statements that prove I made these payments. 
XX/XX/XXXX - XXXX XXXX deposited {$3600.00} into my escrow ( from my loan ) XX/XX/XXXX - I made my XXXX mortgage payment to XXXX XXXX for the amount of {$2800.00}, {$500.00} extra was applied to principal, {$500.00} was for escrow, the remaining was applied to principal and interest. 
XX/XX/XXXX - I made my XXXX mortgage payment to XXXX XXXX for the amount of {$5300.00}, {$500.00} extra was applied to principal, {$3000.00} extra was applied to escrow, {$500.00} normal payment to escrow, remaining amount applied to principal and interest. 
As of XX/XX/XXXX, XXXX XXXX correctly identified my principal balance as {$230000.00}. 
As of XX/XX/XXXX, XXXX XXXX correctly identified my escrow balance as {$7600.00} On XX/XX/XXXX, XXXX XXXX correctly paid my tax bill of {$2500.00}, leaving an escrow balance of {$5100.00}. 
-I received notice in XXXX that Freedom Mortgage would start servicing my mortgage on XXXX XX/XX/XXXX. 
XXXX - I received a statement from Freedom Mortgage that I was due to make an XXXX mortgage payment, my escrow balance was {$1600.00}, my principal balance was {$230000.00} -WRONG- -I contacted Freedom Mortgage Customer Care XXXX several times stating that have already made my XXXX payment and that escrow and principal numbers are incorrect. Nothing changed. 
-XX/XX/XXXX & XX/XX/XXXX - I emailed bank statements, and XXXX XXXX documents to XXXX to further support my claim that Freedom Mortgage number are not correct.

-I have recently found that Freedom Mortgage also made a tax payment and now refuses to request a refund from my town hall. They made this transaction prior to the XX/XX/XXXX, service date start. I have a document that proves my XX/XX/XXXX, tax bill already paid. 
-I have called spoken with Freedom Mortgage Customer Care so many times ( Wednesday XX/XX/XXXX with XXXX , Agent # XXXX ) and nothing, nothing has changed. 
XXXX - I made my XXXX mortgage payment under the threat from Freedom that my credit score would be affected if I did not pay by XX/XX/XXXX. But the numbers they have are WRONG! I should be able to apply extra money towards my principal, i.e. take the extra money from escrow ( that should be there ) and apply towards principal ... .but they are denying the money exists!!! I am also scared they are not accurately accounting for my principal amount!!!! I have ZERO trust for this company. What can I do??? 
XXXX - Sent email to XXXX to request they stop servicing my escrow. I will pay my own tax and insurance from this point. I don't know what I can do about my town-hall as they refuse to refund me.
Our loan was transferred from XXXX XXXX XXXX, XXXX to SLS in XXXX 2015. Since then we have experienced XXXX major problems. The first involved a property tax impound account that we do n't have/never have had ( see complaint # XXXX ). The second involves continually being requested to obtain more insurance than we need on our structure ( complaint not yet filed. ) The third, and the subject of this complaint, involves our PMI account. Although we have paid PMI of $ XXXX/month since our initial payment in XXXX 2015, we recently received a bill for the account shortage. The bill appears to represent two month 's worth of impound account, for the XXXX and XXXX 2015 amounts. Note that we paid the amount for each month as represented by the statement from XXXX. I have attached a copy of the XXXX statement proving payment, as well as a copy of the bill for the " shortage '' from SLS.
On XXXX/XXXX/2015, I sent a letter to Experian informing them that I had paid a debt listing on my credit report under a collection item. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of that payment is XXXX. I stated in my letter that the collection listing under XXXX XXXX XXXX needed to be removed. Experian notified me that the debt was actually mine and have not removed it.
I have a Signature Student loan through Navient that was originally obtained when I was a XXXX student at XXXX of New Jersey XXXX XXXX XXXX XXXX. I have been trying to defer/forbear this loan for the last several months ( I am currently an XXXX ) and have not had success despite submitting XXXX sets of paperwork that were 'signed off ' on by my XXXX. I was told that the XXXX set of paperwork was 'not the correct type ' and was given another set of paperwork to complete. After the last set of paperwork was submitted, I received emails stating that the paperwork had been 'declined '. When I called Navient, the representatives I spoke to seemed surprised and stated that this 'should have been the correct paperwork ' but that they 'had been having computer problems '. I was reassured that the paperwork was 'about to go through '. 

All of this occurred XX/XX/2015. It is now XX/XX/2015 and the loan still has not been deferred. If this loan can not be deferred for some reason, I would appreciate if somebody would just tell me this rather than having me submit paperwork over and over again. If it can be deferred, I would imagine that I have submitted enough paperwork at this point for a deferral to be carried out.
I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... ... XX/XX/XXXX I never applied for any XXXX XXXX cards at any of my old addresses ....

I had just a car loan from XXXX XXXX ... .and never missed a payment.

I have 2 XXXX XXXX cards at this moment in good standing and just received a credit line increase.
I need my home inspection from the year XXXXXXXXTo XX/XX/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX/XX/XXXX
OnXX/XX/XXXX a BILLING ERROR, letter of validation was sent to Citi credit card. I received no response. On XX/XX/XXXX I sent a second notice. I received a threatening letter stating they will report my account onXX/XX/XXXX. They also stated my account was valid without any correspondence or proof. Under the FCBA I have exhausted my administrative rights. The law states they have to acknowledge within 30 days. 90 at the most! It has been well past 90 days and all I 've received as of todayXX/XX/XXXX are copies of some account and threats stating they will report my account to the three credit bureaus as delinquent. I know my rights! This is fraud!
I deposited a Federal Money Order for {$290.00} into Simple Bank on XXXX XXXX, 2017. XXXX ( $ ) of the funds were available until 16 days later ( XXXX XXXX, 2017 ). 

1 ) Treat your customers fairly by treating United States Federal Money Orders, which are backed by the federal government and are normally treated the same as cash, differently than a personal check that has no federal guarantee of funds. 

2 ) Follow the federal government 's Expedited Funds Availability Act, which among other stipulations requires up to the first {$200.00} of a non- '' next-day '' checks to be made available the next day, and certainly a federal money backed by the U.S Government would qualify here. 

3 ) For the record, please state what day, exactly, did Simple Bank receive the {$290.00} from the US government, and state clearly for the record how many days between when Simple Bank received the {$290.00} from the federal government and when Simple bank released the funds to me. More than likely, Simple Bank received the funds close to two weeks before it released the funds to me. 

4 ) I have your new tagline though, so not all has been wasted : " Simple Bank! We Make Simple Complicated!
I have been incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that time someone using my identity got XXXX car loans from XXXX XXXX. It appears that XXXX was gotten in XX/XX/XXXX and another in XX/XX/XXXX. Upon my release from prison I reviewed my credit bureau reports and found XXXX charged off accounts for these cars on my XXXX bureau reports. Upon contacting the bureaus, XXXX and XXXX immediately removed the items. Incidental to that was the fact that there were other credit accounts taken out in my name which all three bureaus removed and identified as fraud accounts. In the case of Experian while they removed all of the accounts they would not remove the XXXX car loans from XXXX. They have asserted various reasons for not having done so chief among them that XXXX continues to report XXXX addresses as mine when they are in fact not. I have attached a letter from the manager of a post office that Experian continues to list on my file as one of my addresses. You will note that the letter clearly indicates that the box was not mine and that I never had access to or used it. Likewise, after going through many changes I was able to procure a copy of some of the documents from XXXX which purport to have been mine however on the documents you will note that where my name appears it is crossed through, there is no evidence of identification having been provided, no confirmation of insurance by the dealer and a bogus insurance policy number. Likewise, the telephone numbers given for me are not mine and have been proven by the respective phone companies to not be mine and most importantly, on the documents that XXXX has provided, it lists an address that Experian has ALREADY DEEMED TO BE A FRAUD ADDRESS. I have also attached affidavits executed while I was in custody which indicate that I was in custody and that the addresses listed are not mine. In light of all of the foregoing, I believe Experian should be compelled to remove the negative items that it is reporting on my credit report. In so doing they are contradicting their own findings of fraud. The continued presence of these items continues to render harm in terms of my inability to secure employment and the denial of credit. I would ask that Experian be compelled to delete these XXXX items as soon as possible.
I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX  notifies me through email and text. On XX/XX/XXXX XXXX   flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.
On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

the company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original bind contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.