milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello my name is XXXX XXXX, I can be reached at XXXX. I would like to file a complaint with this agency regarding my experience with the XXXX XXXX program. I was told my student loans will be paid off in full and was charged a fee of {$1300.00} to their third party vender Equitable Acceptance. After contacting and speaking with representative from Ombudsman group through the FAFSA program I was informed that my loans were in fact not paid off and my loans were only consolidated and the services can be completed for no charge, has they believed I was scammed by the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: JP Morgan Chase and XXXX XXXX in the Executive Offices are being uncooperative and refusing to provide me with the names of everyone who has ever looked into my account, who their supervisor was/is, and who the regional manager was/is. 
Why these employees looked into my account, the dates they looked into my account, and who the regional manager was/is for those people. This is my account and I have every right to know who has been searching my personal/private financial account records. 
XXXX XXXX will not return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXX XXXX XXXX XXXX that is in collections and showing up on my 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 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My compliant is that the credit bureaus are not properly verifying my disputes. I contacted both XXXX and Experian about the credit inquires that 's on my credit report. I advice them both that the inquiries not associated with my accounts was not properly verified by me and I want them removed NOW. I have spoken with many different representative at both companies. I asked to speak with someone in special handling in the US and they are still giving me the run around. Keeping me on hold for long periods of time. These inquiries are not mines, I did not allow those companies to run my credit at any time. I 'm asking that XXXX and Experian be placed under an investigation. Transunion are the only ones working to help me remove these errors place on the account. XXXX and Experian please remove inquiries not associated to my account. This error is taking a big hit on my account.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I paid off my XXXX XXXX credit card leaving a XXXX balance. As I closely monitor my credit file ( for good reasons ) I checked my credit report from Experian 7 days later and notice they are still reporting a balance on my credit card. I noticed XXXX XXXX and they stated they reported a XXXX balance to the all there credit reporting agency they used no later than 3 days after the account was XXXX balanced. We are not 21 days out and Experian is still reporting a balance ( incorrectly ) on my account. Furthermore, they are also showing an outstanding debt /or collection account from XXXX XXXX from XXXX. This is 8 years 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 08-12-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My bank capital one has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in may and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On Friday, XX/XX/XXXX, I received a ( paper ) letter in the mail from " XXXX XXXX XXXX. '', indicating to me that they are a collections company working on behalf of " Creditor : XXXX, XXXX '' to collect an " Amount Owed : {$2200.00} ''. The letter indicated that they have or will cancel my XXXX account unless I contact them and pay off the full amount or make payment arrangements. 

Immediately, I checked my XXXX activity and balance and found no record of this supposed debt, and the account numbers listed on this paper do not match the account ID information I have for my XXXX account. 

At about XXXX on XX/XX/XXXX, I called and spoke to a XXXX customer service representative who informed me this was not a legitimate letter or notice from XXXX and that my XXXX account is proper and in good standing. He instructed me to take photos of the image and e-mail them, along with an explanation, to XXXX, who I understand to be the fraud review department. 

I am deeply concerned about the content of this letter and its ' legitimacy. I have a very active XXXX account that I use for my business and personal needs ; I can not afford for this matter to end up on my credit reports and reduce my overall credit score. I am eager to pursue whatever means are necessary to resolve this matter.

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 07-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction problem

Complaint: On the XX/XX/XXXX I made a transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX  account via Western Union to my XXXX Account in XXXX for a medical emergency and got a confirmation that they money will made made available on the XX/XX/XXXX.While this transfer was being processed and pending and initiated a second transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX via Western Union to my XXXX account on the XX/XX/XXXX for the same medical reasons and I got a confirmation to receive the money on the XX/XX/XXXX.
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On the XX/XX/XXXX, I got and email from Western Union that my first transfer is cancelled and I called to know the reason and they could not give me any reason. All I was told was " the web department is closed '' and that my money will be refunded back into my account. Because of the bridge of contract on my first transfer without any reason, I asked for the second to be cancelled and refunded back so that I can use other means to address my medical emergency. They only processed the first transfer and I can not access the money for the second transfer even though it has left my account and I still ca n't use get it back. The customer services personnel told me different things that does not make sense and at this time I am in between not having the money they already took from my bank account and facing a huge financial dilemma due to pressing need to provide the fund abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with CAVALRY PORTFOLIO SERVICES. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CAVALRY PORTFOLIO SERVICES. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with ALLY FINANCIAL INC. (NJ).
Issue: Closing on a mortgage

Complaint: ALLY Bank  has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid.     I need support in removing this lein.     Account  Number  :  XXXX  Please call or email anytime.   Mobile :  XXXX  email :  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 with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I froze my credit due to having my information exposed in the XXXX debacle. Experian has been the post challenging to initially place the freeze, but now that I need to unfreeze I can not due to mistyping my PIN. Experian only allows you to upload or mail in the request with your social security number, copy of drivers license and a current bill. I opted to upload since I really dont want all of that information floating around nicely packaged together, with Experian credit freeze on the envelope. Over 8 days have gone by and nothing has been received. Experian gives you no option to inquire. So I am sending a mailed in request asking for a new pin and indicated my concern of crossing this in the mail and provided my contact information. This is super frustrating and seems wrong that I have no ability to check on the request. What if I can never unfreeze my credit from this agency that holds all of my information and I have no way to contact anyone.

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 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I personally called the agency and we came to terms on a payment arrangement. I had explicitly asked them to only contact me concerning the matter after I heard they had contacted multuple parties that have nothing to do with the situation. They continue to contact other individuals that do not directly relate to the debt after we had come to this agreement to include my wifes employer, my employer, other individuals associated with my last employer and individuals i served with XXXX to 5 years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo solicited us to agree to an appointment with an investment individual. As incentive to agreeing to lose time at their office attending an appt., we were to receive {$20.00} into our account. I agreed and set the appointment. I showed up. The investment individual was not yet there. The bank employees who were there did not have information ; it was their investment rep who would know but, again, the rep was not there. I waited. I waited as long as an appt would have taken. The rep never showed up. I never received an apology. When I wrote the bank, they did nothing about it. They still owe me since I kept my end of the bargain, and I lost the amount of time agreed that was to be compensated with the {$20.00} into our acct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express Blue Cash Preferred XXXX XXXX, 2017 : The company representatives informed me by phone that the Blue Cash Rewards would be credited to my account within 2-3 days. Then the company stated that this " credit '' was not actually available until the next billing cycle. Ergo- there was no credit on the account in 2 - 3 days.
The teleconference was with XXXX XXXX and then with XXXX ( no identifiable number provided ) At best this is misleading, at worst  ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I faxed XXXX, my mortgage company an inquiry. They do not take phone inquiries. I got a loan on a different matter and was advised by the bank the my mortgage company showed a negative notation on my credit report. XXXX shows " Consumer Dispute this account ''. On XX/XX/XXXX, I did fax XXXX requesting clarification on some fees that were showing on prior statements. However I doubt that with in three days they would have gotten that to update on my credit report especially when the credit report was done on XX/XX/XXXX. That notation had to have been added prior to my XX/XX/XXXX, fax. I have attached my XX/XX/XXXX, Fax to XXXX which as of this date is yet to be answered. I called XXXX and was instructed to FAX in all my inquiries. No phone inquires are acceptable. Seem like you can not get an answer any way, even when you follow XXXX 's instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Trying to collect a debt that they could not verify the debt. They sent me a credit card bill no signature on the verification letter. The dates are wrong on the debt the original creditor doesn't exist anymore. The debt is over 7 years old it shouldn't be in my credit reports. 
I sent all the documents to a attorney he told me it shouldn't be on my credit reports but it is. I contacted them numerous times and getting the run-around. 
Portfolio recovery services XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX XXXX I find out thatCollection Services Of AthensXXXX XXXX XXXX, GA XXXXhad place a new collection on my credit report immediately I sent them a letter Disputing this Alleged Debt they received my letter on XXXX XXXX 2015 in this letter I informed the that I was disputing this information under USC 1692g Sec. 809 ( b ) in this letter I requested A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill as require by federal law any medical facility to provide itemized invoices upon request. 
they Responded to my request for verification on XXXX XXXX 2015 the did not provided any of the proof requested instead they sent me a letter saying that they had contacted their client and that their client had confirmed that the Name and Address on the Account was CorrectThe Courts have Ruled that knowing Some ones Name And Address is Not Enough to Validate an Account. 
I sent them a second letter on XXXX 2015 giving the a second opportunity to validate this account by providing me with the requested information. 
A copy of my doctors order for services performed by alleged Creditorprovide Alleged Creditor Name, Address, Phone Number and Full account Number with alleged creditor and a complete Itemized Bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have private student loans with Wells Fargo Bank. I have a full time job that requires me to travel both out of state and out of the country, I had a gap in college attendance last XXXX. Because of that, my student loan payback was scheduled to begin. I enrolled in College XXXX to begin in XXXX, as I have approximately XXXX classes left to complete my XXXX XXXX. 

In XXXX I spoke with a Wells Fargo representative and was told if I made a payment right then, it would keep my loans out of default and then when my classes started in XXXX my loans would again go into deferment. So I made the payment they required to keep my loans out of default. I started school in XXXX and asked my college to send verification to Wells Fargo, as I was instructed to do by the Wells Fargo Representative. 

My college 's policy ( XXXX XXXX ), is to only verify enrollment after the class drop date is passed, which is 4 weeks into the semester. Wells Fargo did try to verify my enrollment - but it was before the school will provide verification. This week I received notification that my loan is in default, and Wells Fargo also reported this to all XXXX credit bureaus, which in turn lowered my credit score from XXXX to XXXX. I have worked hard to maintain a great credit rating by always paying all my bills on time. 

After receiving notification I have spoken to several Wells Fargo representatives and explained my College 's policy and requested they verify it now as the 4 weeks has passed. 
They told me there is nothing they can or will do and are proceeding with the defaults. There is no way I can currently begin paying back these loans. I followed what Wells Fargo told me to do and they still continue to process a default. My college has now provided verification of my attendance to Wells Fargo and yet they still refuse to remove the default and restore my credit rating. 

it is unjust for Wells Fargo Bank to tell me how to resolve this situation and then after I follow exactly what they instructed me to do, they do n't do what they promised to do and instead force me into default ruining my financial future.

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