milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing  Santander Consumer USA a s a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of  Rule 5000 F DIC, that it has been in defaul t for 180-days or more . This is the federal mandate, not mine. This loan is currently being paid on and is current.  Santander Consumer USA i s maintaining a charge off even though the  180-day la te timeline was never reached, and  Santander Consumer USA ne ver filed a default on record with any  XXXX  filing with the  Securities & Exchange Commission . I am a member of th e  XXXX  Community  that came to  America  for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.   SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!   I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!   SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!   I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!   THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was a part of the perpiortery lending violations in XXXX with Chase Bank. In XXXX The federal Trade Commission performed a forensic audit on my loan and found several truth and lending violations. Chase in turn took XXXX and put it in a balloon payment on the end of my loan, reduced my interest rate to 5 % fixed. 

Now, in XXXX I was unable to make XXXX payment, but have been paying every month lagging behind the XXXX payment. Chase refused to assist me with the XXXX payment. Chase sourced the servicing of my loan out to XXXX XXXX XXXX XXXX XXXX. 

I have been trying to modify my loan with them since XXXX XXXX. I have sent tones of paperwork in to them at their request. Each month, they come back with a different person asking for the same paperwork in a different format. I send all the paperwork electronically through their email XXXXXXXXXXXX. I am on a fixed income, unable to makeup the missed payment. XXXX continue to send threatening foreclosure letters to me via certified mail, but they are also accepting my payments every month. These practices are causing me health issues. I had a XXXX two weeks ago. I do not know what else to do. I can not sell or lease my house because the loan in XXXX was more than the appraised value of the house. The lender appraised my house for {$390.00} in XXXX, and it was only worth about {$190.00}. I now have a loan more than my house is worth. The collectors at XXXX are rude and nasty with the exception of XXXX XXXX. He understand my issue and can not explain why they keep asking me for the same paperwork over and over. I do not feel that XXXX is following the rules of the Making Homes Affordable Act. When I asked to speak to a supervisor, she simply told me she could not help me and maybe I ca n't afford the house, to get out before it 's to late to sale it. I told her I invested my life saving in this house and that I was only XXXX payment behind. She said too bad and hung up the phone. All of the documents I attached was sent to XXXX from XXXX to today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After viewing my credit report on XXXX XXXX, I see that there are XXXX inquiries from XXXX XXXX. I agree with the inquiry on XXXX XXXX, but I am asking for the XXXX XXXX inquiry to be removed, it should not be XXXX inquiries on my credit report from XXXX XXXX. I did not apply for the card until XXXX, which you can see on my credit report that is the same time the agency started reporting on my credit report. That is not fair or correct to have the XXXX inquiries. It should be just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On numerous occasions I have reached out to the company and also all 3 credit bureaus to remove these inquiries because they are not mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Payday loan debt) with FMR (FORWARD MOVEMENT RECOVERY) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company keeps calling saying I should know what is. They wo n't provide me with any company names, account numbers or anything. Arrogant and hung up. Keeps calling.   They gave me an email address to send info of payment on I do n't know what.    Mail@forwardmovementrecovery.com

Company response to consumer: Untimely response
Consumer complaint received 09/28/2015 about Student loan (Non-federal student loan) with AES/PHEAA ().
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My loans have been in repayment since graduation from XXXX XXXX University in XXXX 2008. Recently the company that manages XXXX of my private loans has been misallocating my payments. As a result, XXXX of these loans continually look like they are delinquent. As a result, I as well as my parents ( the cosigners ) receive a stream of emails and calls threatening my credit rating. We 've tried calling to straighten things out and every time they realize they 've made a mistake, but the error and the ensuing harassment keep happening. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Payday loan) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Last year I started receiving phone calls from a collection agency that stated that I had taken out a payday loan in 2008 and it had not been repaid. I told them it was not possible because I had repaid all of my payday loans immediately. They claimed that it had not been repaid and they threatened legal action. It was around {$470.00} and I offered them a settlement of 75 % of the amount if they would just stop calling me. I paid the money and they sent me paperwork proving that it was paid in full. A few months ago, I started receiving skip tracing calls again from another collection agency. This time I decided to not take any of the calls because it sounded like exactly the same type of debt and I thought that if I keep paying it, they can just keep coming back to me for another payment. Yesterday, I received an alert on my credit report and discovered that the collection agency has placed a collection account on my credit report for {$470.00}. It provides no information about the debt they are collecting, not the type of debt or the date of the debt. I am 100 % confident that I have zero unpaid debts for the past 10 years and this is the ONLY negative item on my credit file in that period of time. In addition, they have been calling my children on their cell phones in an attempt to reach me and leaving me messages threatening to call my references. The organization is called " Progressive Management Systems '' XXXX XXXX XXXX XXXX FL. XXXX. I am afraid to contact them directly because their voicemail messages are very aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I applied for a Bank of America Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was XXXX could n't work. I could not afford to make payments. Bank of America sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. XXXX, XXXX XXXX XXXX, XXXX is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: According to the Fair Credit Reporting Act, Nationwide mortgage has been willfully and/or negligent in including inaccurate information with regards to reporting my mortgage loan to the XXXX credit bureaus. I have called Nationwide mortgage before and recently ( XXXX/XXXX/2016 ) sent nationwide all necessary information to prove this inaccurate information. I requested them to correct the mortgage information and have not seen a change in my credit information at any time. I have also disputed this mortgage information to XXXX credit bureau regarding this matter and submitted a complaint to the XXXX. This matter has severely damaged my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: 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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my TransUnion & XXXX  Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, Tranunion, and XXXX that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}. 

The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING TRANSUNION & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company Navient has continued to call multiple times a day. I have let them know that we have filed a forbearance and that the loans are being consolidated with the Department of Education. i have been polite speaking with these people but i have now explained the situation 4 times and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My father was XXXX XXXX, and having a hard time managing his money. I was assigned to be a Financial Guardian for my father. This was a court appointed guardianship. In order to help my father manage his money, a checking and a savings account was opened in his name. I also signed the paperwork, although it was signed as the guardian of my father. The guardianship was later terminated by the courts. More than a year later, the savings account overdrafted. The bank sent the overdrafted account into collections. 

My dispute is that this account was opened for my father. The [ senior level ] banker who helped me open the account, was informed of the situation. The banker was aware that this account was to be my fathers account, although I would be managing the account for him. Once the guardianship was terminated, the bank account was still to be for my father, and I was no longer able to manage any funds for him. The account in collections should be against my father only, as this is his account because the guardianship no longer exists. 

I have tried explaining this to the bank, and they would not speak with me. They only sent the account to collections against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Unsolicited issuance of credit card

Complaint: I am writing in reference to Chase bank. They called me a few years ago back in XX/XX/XXXX, stating I owe them for a credit card that was not in collections. I informed them I never had a credit card with them or any credit cards that I have not paid. I requested a copy of the contract and the bill of transaction, additionally I requested an investigation of fraud be opened. I hired a company last year to help me restore my credit. We have sent several letters for the past year requesting they remove this from my file because its not my account. XX/XX/XXXX, I spoke to XXXX XXXX from the investigation department stating that they are claiming this debt " valid ''. I requested again a copy of the contract and the bill of the purchases. I was driving and informed XXXX XXXX to please send me her contact information. XXXX XXXX stated she would enclose this with a copy of the contract. Saturday, XX/XX/XXXX, I received XXXX letter in a chase envelope, it was a copy of the contract, but no letter from Chase with XXXX contact information. This application appears to be fraudulent, several things are incorrect such as, spelling of my name, my date of birth, no property zip code, incorrect annual household income which states " XXXX '', no length of employment, incorrect mother 's maiden name, no email address, incorrect employer information, and printed incorrect name for a signature. We have tried to get them to remove this information for years. This negative rating has affected me by increased insurance premiums, higher credit card interest rates, denial of opportunities, credit, loans, and programs. I am requesting they immediately correct this information and also restitution be paid for this experience for the past several years. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with LEXISNEXIS (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am putting in a complaint against Lexis Nexis XXXX because they have placed an alert on my consumer file that has made it difficult for me to apply for credit. I have tried to contact them on this to no avail. I would like my file to be free from any alerts and for my file to be placed on freeze status instead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: We made an online purchase at bestbuy.com on XXXX  using the Best Buy Citi credit card for interest free for XXXX  months. The total charge per my email received was XXXX.  The appliances were delivered XXXX. Upon installation, the refrigerator did not fit in our home and had to be returned XXXX).  My first bill was received in XX/XX/XXXX, showing a balance of XXXX. I noticed two charges of XXXX on this bill at the time and called in, this started by journey with the companies.  Over the next several months, we tried disputing the charges, reporting fraudulent use, etc.  Best Buy, Best Buy.com, and CITI cannot confirm charges that we are not aware of. We had one charge and I am still finding a discrepancy of XXXX, which has been sent to Citi. We had a supervisor with Citi that promised to resolve and agreed with my research on payments, charges, returns and at this time, they are not responding.  I have advised CITI and Best Buy if they can confirm all charges on our card, since the only charge we did was on XX/XX/XXXXand they prove they are ours that we authorized, then we have no problem paying the balance, however, in my research on the charges, return of the refrigerator, and payments, we are being over charged XXXX. It is baffling that no one at Citi, XXXX, or XXXX can confirm all charges. I have spent several hours working on this with the three divisions and get bounced from one area to another without warning and referred to the next department and back to the original. XXXXXX/XX/XXXX
-XXXX  XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>
XXXX XX/XX/XXXX
-XXXX XX/XX/XXXX-XXXX XXXX 
XXXX XX/XX/XXXX-XXXX XX/XX/XXXX-XXXXXX/XX/XXXXXXXX credit for disputed charge
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX-XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
= XXXX is what my calculations come up with

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 monetary relief
Consumer complaint received 02-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was told I had defaulted on my private loan with navient and I was in discussion with the loan recovery department. I spoke with a XXXX XXXX XXXX several times, in which I still have voice mails from, and she informed me that the only option I had was to pay a {$1000.00} down payment. Once that was paid I would be able to enter a repayment plan for either {$50.00} or {$100.00} each month. I proceeded to pay on the {$1000.00} payment and I was informed I could start my {$100.00} payments beginning in XX/XX/XXXX. Once XX/XX/XXXX came, I could n't no longer get in contact with XXXX XXXX XXXX and they said she had left the company. Now I was in talks with a gentleman named XXXX, whom said I could still begin my payments. So we setup the automatic drafts from my checking account. Now, on several occasions he continually told me my payments were being returned from my bank but my bank was telling me that there were no signs of the payments coming through. I would inform navient of that and at that point navient would send the payment again and it would be approved by my bank. Well my last payment was shown approved on my navient account but navient said it was sent back and my account is being sent to a collection agency now. I honestly feel my payments were tampered with on purpose and I never received the opportunity to properly start my repayment plan. I understand that the loan was in default but I honestly was trying to repay in the best possible way I could. I have my payment records which show I was starting to make regular payments and I stayed in contact with navient but it never seemed like they were interested in helping. I honestly want my loan to be brought of default status or at least be allowed to make the payment arrangements. If you all can help in anyway, I will greatly appreciate it. Thanks

Company response to consumer: Closed with explanation