milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (UT).
Issue: Settlement process and costs

Complaint: I was in the process of re financing my home, I was working with a few different mortgage companies trying to find the best deal. XXXX of these companies was quicken loans. I made a decision to go with a local company but the banker I was dealing with at quicken loans using their aggressive tactics told me " the rates went up this morning but lucky for you I locked you in already. '' Not knowing everything about mortgages like most people, He made me feel like I was already stuck and I had to go with him. So I went ahead and filled out the mortgage application and within minutes they had my credit card info and charged me a {$500.00} deposit for the appraisal and credit info. I felt this was quite quick but knew It was part of it so it was fine.. 
I was rubbed the wrong way from the very beginning and felt uncomfortable using this company, so I asked around and also the lender I wanted to work with and found out I can back out and cancel the loan and if I did it soon enough I could get all my {$500.00} back. So this is what I did, I called Monday morning the XXXX of XXXX and cancelled my loan. I told the banker I want to stay on the phone until it 's 100 % finished. He then told me it 's done. There is nothing more you need to do. I then asked him to transfer me to the right person to talk to about getting my refund to my credit card. As I spoke to the woman in that department she told me everything was final and it would take 7-10 business days and I would see my refund. So I waited until Friday XXXX XXXX and never saw my refund, so I called to find out what was going on. A lady in customer car looked up my info and said you 'll see it on Monday and to call again if it 's not there.. Monday comes, no refund. So today, Tuesday morning the XXXX of XXXX I called again to find out what 's going on. I get another lady in customer care, as she looks up my account she tells me they have n't even started the canceling process, and this process will take their team 8 days to complete and then the refund will come 7-10 business days from that. It has been 15 days and I will not receive my {$500.00} refund from a multi-billion dollar company for at least another 2-3 weeks! 5 weeks in total is completely unacceptable. It 's a credit card, very easy to refund a charge.. 
The high pressure, plus using tactics to make me feel trapped just to take my money as fast as possible and then give me the run around and hold my money hostage for as long as possible so they can make more money is downright disgraceful and I am absolutely disgusted with this company. Hopefully something happens with this and consumers are warned about working with any company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Not enough information of validation of debt. I contacted Credit Control Services Inc through certified mail on XXXX/XXXX/16 for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX/XXXX/16. the account in question is # XXXX. Collection amount {$230.00}, however I do not owe this debt and know nothing of it. Credit Control Services appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all three credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: On XXXX my account at US Bank was XXXX and some change. On Tuesday XXXX 2015 I was charged an extended overdraft fee of XXXX because my account was negative XXXX and some cents. So on that same day I deposited XXXX. To cover the overdraft fee because customer service stated they could not wave the fee. Today I now have another extended over draft fee XXXX/XXXX/15 with no explanation. Not to mention that I am enrolled in overdraft protection and have not made any transactions since XXXX This is insane!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. 

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. 

CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with HOVG, LLC (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017

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 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: *** This is not a duplicate *** I had written twice to XXXX XXXX on XXXX XXXX via certified mail USPS XXXX USPS XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are : XXXX/XXXX/XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX USPS XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I did not get any response from either that this debt is valid. I escalated this to XXXX XXXX, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they also did not respond. It has passed more than 30 days since I requested validation and have not received it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had spoken to XXXX XXXX XXXX on several occasions about my monthly statements and how I could receive them. Around the same time our mortgage was going to be transferred. I asked him if our credit file with Statebridge could be deleted, he requested that I send in a letter asking for the removal of the negative information, which he assured me the account would be removed. I did this in XXXX 2016 and got no answer, I also disputed the fact with XXXX XXXX credit reporting and have not received a response. XXXX XXXX states that their investigation has been completed but there is no update.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Medical) with Round Two Recovery (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.

Company response to consumer: Untimely response
Consumer complaint received 01-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: 25 years later I 'm still fighting a losing battle with my student loan. I am making the minimum payment it 's all in an effort but because of the interest my loan stays the same every month every year. I am on a student loan treadmill XXXX of which the loan will never be paid off most of the payment is going towards interest how is this legal? I really think we need to look at the student situation in this country and make some changes the interest rate should be kept very low for both subsidizing unsubsidized loan my current loan is 9 % on the {$13000.00} balance which is more than it was 25 years ago today. XXXX have mercy, I am sure I 'm not the only person in the situation, please do something are there any plans to change this or help with for people like myself or tax abiding citizens who do not work in the public sector? Please help this is making me in the American people poor in America and banks very rich.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Other transaction issues

Complaint: I sent money using Western Union to my stepson in XXXX. ( My tracking number ( XXXX ) is : XXXX Transaction Date : XXXX XXXX, 2015 XXXX ET ) The money was a direct transfer from my bank account to my stepsons bank at XXXX. 
After calling Western Union on XXXX the lied an told me that my bank will not release the funds for 5 days but in fact the money was Debited on XXXX and posted on XXXX/XXXXMy stepson is not able to get the money even after calling western union as instructed when I did the transfer. They told him that I needed to call western union before he could get the money. When I called thats when the lied about my bank holding the money for 5 days. This is clearly a kiting scheme by Western union to hold all money transfer funds so they can make more money using customers xash

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant calls every day 2 or 3 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My yearly property taxes are {$960.00} -- Nationstar Mortgage collected so far {$800.00} in escrow payments, to pay for my yearly property taxes of {$960.00} --. 
Yet Nationstar Mortgage are still demanding, that I pay an additional {$800.00} -- ( 10 months @ {$80.00} -- ), which means, they want to collect {$1600.00} -- p.y. in escrow payments, even though my property taxes are only {$960.00} --. 
To my knowledge, they are only entitled to keep a " cushion/reserve '' of {$300.00} -- p.y. 
Hence, they ought to refund me {$500.00}, to bring down the escrow cushion from the present {$800.00}, down to a {$300.00} -- " cushion '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with S&S Physician Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect {$360.00} from me for a medical bill they claim I owe. I have written them several letters since  XXXX     2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation  to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Over the past months and years of dealing with Wells Fargo and the consistent mis-handling of applying mortgage on time, I have gone the extra step of pulling funds from XXXX bank ( XXXX XXXX XXXX XXXX and taking it directly to the Wells Fargo branches as to avoid any confusion. Wells Fargo knowing that I have my payment history and receipts and dates, have chosen to apply my direct mortgage payments, not directly to the mortgage. I have even paid payments ahead of schedule ( Twice in a month ) on some occasions. Wells Fargo also does not report my mortgage to the credit bureaus, despite the fact that my attorney at the time ( XXXX Law Firm ), was never sent the reaffirmation paperwork. They insist on placing blame on the firm. Although the firm ( XXXX Law Firm ), does not hold the mortgage loan. It is unsettling to me to have to constantly deal with incompetence, such as XXXX XXXX XXXX XXXX XXXX. This lady consistently interrupts in conversation, combative, passive aggressive, unprofessional and refuses direct requests when made. The role of a executive customer service, is to uphold the requests of mortgage holders. For whatever reason or situation at home, XXXX consistently is unprepared and not fit to adequately deal with mortgage holders, her constant interruptions and screaming into the phone are absolutely annoying and unacceptable and unbecoming of the new direction Wells Fargo is attempting to move in. It is my request to have XXXX XXXX as my point of contact and only XXXX XXXX, she is knowledgeable and knows her job, unlike XXXX, whom is totally unfit to serve in the position she holds. It is for these reasons I herby request XXXX XXXX as my point of contact and also herby demand that they locate every payment I have made to match the ones I have recorded by dates. Additionally I herby request no further contact with XXXX and or her recommend anyone on my behalf, she does not have that type of power and I also request that XXXX be re-trained. This due to the conversation that occurred to on XXXX XXXX, 2016, if you need to hear this conversation. I suggest that you pull the call and if you choose not to pull this call and administer re-training, you are doing Wells Fargo a dis-service and will remain in the C-rating category.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted TransUnion and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.

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 11-01-2016 about Credit card () with U.S. BANCORP (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citizens bank misled me by signing up for their card this is not a Citizens bank card. I went to bank in XXXX Wi on XX/XX/XXXX to pay my bill and Citizens bank would not except my payment and was told the card was not affiliated with the bank. My payment being due on XX/XX/XXXX I had to next day the payment for {$22.00} ( USPS ) and I was still charged a late fee of {$27.00}.

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 04-06-2017 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I just filed CFPB Complaint # XXXX, which, thank you, had been promptly forwarded to Citi Cards. On XX/XX/2017 I received a phone call/ voice mail message from XXXX , Citi Cards Executive Branch, XXXX, saying she would be investigating, and if I wanted to provide additional comment/questions. Well, although I appreciated the call, I did n't think it would be necessary to call her back, until this morning XX/XX/2017. 
When I received email notification of a new e-communication regarding the billing dispute. the e-communication when I opened the link to what is a closed account as of XX/XX/2017 was dated XX/XX/2017 and starts making reference to " credit slip '' which that was the first I heard about that. So out of curiosity, since something felt very odd about this new communication, clearly done in response to the CFPB complaint, I re-opened Citi 's XX/XX/2017 e-communication, and it 's a completely gone, and instead has been replaced with completely new language, with the original XX/XX/2017 date, and conveniently referencing " credit slip ''. Absolutely incredulous. 
I do n't know how this can be independently reviewed by Citi, since the four days of filing the complaint, they 've just been scurrying around creating documentation, instead of handling the original dispute of XX/XX/2017. Citi 's doing exactly what the vendor in the original dispute did, creating materials fraudulently to support their agenda.

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