milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I am an  XXXX   XXXX   XXXX   XXXX  senior citizen who is a surviving spouse of a  USA Veteran. Sho rtly after my husband passed away, I applied for a new mortgage on  XXXX   XXXX ,  XXXX , with  XXXX   XXXX   XXXX e  XXXX   XXXX   XXXX  At that time I did n't know that it was an " Interest Only Period Fixed Rate Note Loan #  XXXX . Shortly after that the loan was sold to  XXXX  and then to The   XXXX   XXXX   XXXX   XXXX ,  Loan #   XXXX . My niece "  XXXX   XXXX  who is my Attorney-in-Fact has been assiduously working on this Loan Modification since  XXXX   XXXX ,  XXXX  A counselor   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   of the  XXXX   XXXX  on  XXXX  informed us that it was a " Predatory Lending Mortgage ''. At our first foreclosure settlement conference on  XXXX   XXXX ,  XXXX , a court appointe d Lawyer ,  XXXX   XXXX  informed us once again, that is was a Predatory Note. At the Foreclos ure Prevention   Unit at t he  XXXX   XXXX  Court House,  XXXX   XXXX , an Attorney Fellow stated in in his email to us dated  XXXX , that he could now say that this Predatory Loan was not supposed to raise her monthly payment amount that increased it by over {$500.00} - a 25 % increase! We are not sure, but we think that these lenders  violated the Truth & Lending Act/TIILA and we may have grounds to file a Civil  Lawsuit. The most recent  Loan Servicing Company  that denied the last  Loan Modification was, Bayview Loan Sevicing, LLC. ( See Attached l etter dated  XXXX   XXXX ,  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting inaccurate info on my credit file in which the open date does not match the true open date. It is years off and the last reported day was XXXX XXXX 2016 which is odd since I made no contact with the company. It 's not legal to refresh a credit debt. It looks bad on my report showing a inaccurate date.

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 12-07-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Santander Bank had a promotion for a {$150.00} bonus with opening a checking account. To qualify for the bonus, some terms must be met which included a direct deposit of {$500.00} or more within 90 days of account opening and keeping the account open for 90 days. Santander 's te rms and conditions of the offer state that the offer is not available to current or former customers who OPENED a checking account between  XXXX  2016  and  XXXX / XXXX / 2016 .     I have met all the conditions above listed and advertised in  Santander 's promotion. I met the direct deposit requirement soon after account opening and did not have an account or opened one with Santander betw een  XXXX / XXXX / 2016  and  XXXX / XXXX / 2016 . I have very clearly met the terms outlined in their qualification s. Santander refuses to deposit the {$150.00} for unknown reasons, and attempts to reach out to Santander ha ve been unsuccessful in achieving a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a reverse mortgage in XXXX and everything was going well until I was unable to pay my property taxes. Wells Fargo paid my XXXX property taxes in the amount of {$710.00} ( I rounded the amount to the nearest dollar ). I received a letter two months ago stating I have 180 days to pay back the money or they are going to foreclose and put me out of my home. I am XXXX and in a lot of debt because my bills are greater than my income. I ad XXXX. I am widowed since XXXX. Please tell me what can I do to keep my home I have lived in since XXXX. Just please help me keep my home! Thank you. 
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 03/13/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: Due to the change in property tax law put into place for XXXX, thousands of homeowners paid their taxes in XXXX. I contacted Ditech initially to see if they could release the funds but they were unable to do it prior to the end of XXXX. They instructed me to pay out of my own funds and send them the verification the taxes were paid, and they would refund me the appropriate amount. I dutifully paid the taxes due and sent Ditech the verification. Weeks passed and I received refunds from my 3 other mortgage servicesr, but nothing from Ditech so I reached out again by phone and email. They promised to get back to me and never did. To date, I still have a message in their apparently worthless message center fromXX/XX/XXXX that remains unanswered. I called again and was told they would do an escrow analysis -- still no call or email. I just went on line and the brilliant conclusion by the band of roving XXXX is that my payment will not be increasing! No Kidding?! Meanwhile they still are sitting on my over-funded escrow account doing nothing. 

I just called again and after 15 minutes on hold, the call was answered and I was forwarded to an automatic survey which then hung up on me! 

It seems curious that this company with nothing but complaints continues to exist. Completely XXXX   customer service and frankly illegal activities to hold my funds in excess as they have been for the past 3 months!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Lease) with UBER TECHNOLOGIES INC (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: The vehicle was reposed, but was paid in full with my so #. They are sharing and selling my social security and my personal indo to others

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. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address

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 01/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I closed my Equifax account XXXX/XXXX/XXXX after paying on XXXX/XXXX/XXXX for a remaining 28 days of service. Account was to be inactive on XXXX/XXXX/XXXX as a result of that final payment. 
Equifax charged my account again on XXXX/XXXX/XXXX for {$19.00} without my permission. Upon calling they say they will conduct an investigation. 
I am disputing the charge with my bank and felt compelled to close my bank account to avoid further charges from this company where I have lost all trust. I do believe this is a designed fraud practice. No doubt, you have heard this complaint before from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Harvard Collections, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive my five day notice to dispute or a 30 day notice to dispute. I did not receive verification of debt I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was stolen during a break in on XXXX XXXX, XXXX. I have a police report and my ssn, id, and birth certificate was taken. This is not my inquiry and it is fraudulent and needs to be removed. XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (NY).
Issue: Overdraft, savings, or rewards features

Complaint: I filed a dispute with the merchant, XXXX XXXX due to the XXXX Flash Cards I purchased on XX/XX/XXXX. I was not satisfied with the item, so I visited Paypal 's  website and talked about my issue, with the merchant not refunding my money. The dispute was filed on XX/XX/XXXX against the merchant, XXXX XXXX. and stated to Paypal Company that the XXXX Flashcards came in a white card board box that is the same size as the box. I did not open the box, nor did I like the way the box was, so I wrote refuse on the cardboard box. I left the box on the table in my residence building for USPS to pick up the package to return to the merchant. USPS accepts packages, if the customer writes the word, Refuse and Return To Sender on the package, without any other receipts given, as long as the package/box seal was not torn. I have a dozen neighbors in my building where I reside, as well as the Postal Carrier, XXXX XXXX, who has been delivering mail to my building for over 20 years and The USPS driver, XXXX, can all verify that the box was returned to the merchant with the address on the box. Also, the super of the building, XXXX XXXX can verify that the box was picked up from the building and returned to the merchant. Paypal had given a time frame to respond to the open case on their website and when I logged into the open case from my account, the system did not recognize me and I was not able to respond. Therefore, Paypal took the merchant 's side to not believe that I did not return the box and wanted my refund. I should have received my refund already from the merchant and Paypal refused to honor me temporary credit to my account when the investigation is gong on. It does not take eight for the merchant to refund a buyer, when I do not have the box in my possession anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: on XXXX/XXXX/2016 requested information about my bill ... .... ( dispute # XXXX ) on my bill it says amt. due {$770.00} so if my payment is {$420.00} and i have {$180.00} in late fees ... WHAT is the {$160.00} for and what am i paying on that late fees? interest? I want an answer a direct to my question not just some standard answer Are you connected to XXXX XXXX in XXXX that failed the US Federal Reserve Test? 
How many loans companies do you own Are you the Company that has lost XXXX class action suits ... XXXX for repossessing vehicles owned by the XXXX military? and XXXX for misrepresentation of value of securities? 
You have not sent me a hard copy of my contract in LARGE print like I requested I am requesting a month by month account of exactly how many days are in each billing cycle since the first month of my loan ... no i do n't want the standard answer you keep giving me i know the number of days vary I want to know the number of days each billing cycle on MY account starting from the beginning of my loan i want this sent to me in a hard copy

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: The complaint is about unfair charged fees at TD Bank. 
I have a checking account at TD Bank. I opted for paperless statement and had maintained my balance above the minimum requirement ( {$100.00} ) to avoid any fees. 

Without my knowledge nor consent, TD Bank changed my preference to 'Paper Statement ' on XX/XX/2014 and charged me a {$1.00} service fee. This charge brought my balance under the {$100.00} minimum requirement and TD Bank has been charging me a monthly fee of $ XXXX/month ever since. 

Right now, TD Bank has wiped out all my balances on the checking account and claims that I owe them {$48.00} in unpaid fees. 

I request that TD Bank cancel the {$48.00} they claim I owe them and return the {$100.00} original balance I had in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims. 
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints. 
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Making/receiving payments, sending money

Complaint: My business checking account with First Niagara was actual just acquired by KeyBank. I made bill payments on XX/XX/XXXX and XX/XX/XXXX with First Niagara. Seven of my customers ( long standing ) stated that they did not receive their checks. As of XX/XX/XXXX KeyBank took over First Niagara operations, it has been chaos ever since! I have spent XX/XX/XXXX month on the phone with KeyBank representatives ( multiple, who all give me a different story ), hours on the phone and in the branch bank trying to get some resolution! My customers and a automated bill pay alert from First Niagara are stating that the customers never cashed their checks, while KeyBank is stating they did! Due to a misunderstanding of how bill pay worked at my particular bank! NO ONE at KeyBank understands that when I submit a payment on bill it is automatically taken out of my account! This was confirmed by my branch office. The customer service representatives at KeyBank not only argue with me about it, but also when I have my branch call. NO ONE can even given me evidence that they were cashed ( a standard banking practice )! In the mean time, I have double paid 7 of my customers due to bank not knowing what they are doing! This should have been a easy issue! It has turned into a nightmare for me and my business partner!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 11/17/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I filed a complaint already about this company not allowing me to reduce my monthly payments, and only giving me options that would still take all of my money from me. A week or so after filing the complaint, I got a call at a very inconvenient time and asked that they call me back the beginning of the next week. Two weeks later and they still have not called me. I tried emailing them regarding the status of the matter, and their contact page will not allow me to send an email. Whenever I call I am just left on hold for what seems like hours. 

It 's very apparent that they are trying to avoid the matter and focus on purely taking what money I have without helping me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: My loan interest rate is 24.9. In Tn I believe the max rate should be less then 24.00. The car sales man told me a different date at signing I was young and didn't have an adult to come and supervise me as I purchased my car. Santander bank is taking hidden fees and I can show you a payment history on my loan to prove it. I call and they don't know how to explain. My credit score was not bad at the time I got my car I just don't understand why I will be stuck with this loan for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I informed Equifax that XXXX - XXXX XXXX, XXXX, XXXX XXXX ( Account # XXXX ). Was a fraudulent account and I disputed this with the creditor and all XXXX credit reporting agencies. XXXX and XXXX deleted this item as they should. But Equifax keeps saying that this is legitimate and it 's not! I 've sent them multiple pieces of documentation informing them that this is a fraudulent account opened in my name and they will not remove it.

Company response to consumer: Closed with explanation