milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Still showing statements from SANTANDER CONSUMER USA on experian credit report with a balance of {$22000.00} and a past due amount of {$10000.00} from XXXX XXXX, 2016 which is inaccurate information on my report because I have been a victim of identity theft ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold 6 times in 6 years. I was supposed to be conventional fixed, but was turned into ARM without my consent, I made a complaint already with you against XXXX mortgage companies. XXXX and Ocwen. Both are on credit scores and are incorrect. Briefly again, XXXX lied to me asked if I could make a payment of {$4000.00} XX/XX/2008. I was told this was to be applied to principal, was not applied to anything, this was my life savings, had hardship with them regarding their lie. XXXX tried to modify without remorse, but firstly, my first mortgage was {$1200.00} w XXXX, sold to XXXX went up to {$1700.00}, I complained, then it went to {$2100.00}. I complained again, they said this is last time at {$1500.00}. Afterwards, sold immediately to AHMS American Home Mortgage Services, all this time I never received welcome packets or payment stubs from any mortgage company. At XXXX time, I had no idea who was my mortgage company. XXXX, was an extreme hardship. I tried to modify several times, to no avail, I have recording of conversations, they would NOT work with me at all. Never received welcome packet or payment stubs. Sold to XXXX Bank whom turned around and sold it to Ocwen loan servicing co. for XXXX XXXX, XXXX. A loan rep, XXXX XXXX, told me I was not in foreclosure. I am XXXX due to a car accident. Ocwen told me I should do a deed-in-luei, ( referring to car accident, because of no modification I could not afford paymentso I was told ) " this will not go on your credit report '', I was told by XXXX XXXX. FEMA seized my house due to more than XXXX % substantially damaged home from Hurricane XXXX. I had flood insurance. To no avail, I have no home, I sent you the final payout document from Ocwen, I do not understand why I was not treated professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX, I purchase a XXXX XXXX XXXX - financing through XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, that loan was sold to Santander Consumer USA. 
XX/XX/XXXX, the XXXX 's engine timing chain slipped and destroyed the engine. The vehicle was towed to XXXX XXXX in XXXX, Indiana. The cost of the repair was going to be well over the remaining loan and did not have the funds to proceed further. 
Upon contacting Santander, I was told that the best course of action would be to sign the vehicle over as a voluntary repossession. With Indiana having being a non-deficiency state ( under {$4000.00} ) I would not be held liable for the difference of selling the vehicle. I was a year from paying the vehicle off with a remaining balance of approx. {$2300.00}. They sent paperwork to XXXX XXXX which I signed to release vehicle and financial obligations, however never received any copies or had any further communication with Santander. I was not even given notice as to what the vehicle did sell for. However through review of updated credit report it was identified that the loan was sold ultimately to XXXX XXXX XXXX , XXXX which has already been disputed and removed for report ( Case number : XXXX ) Now in reviewing the XXXX report ; new activity was started on XX/XX/XXXX, fours years after this was said to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Over the years my husband had health issues and they were more than happy to give us a forebearance ; unfortunately they really did not tell you in detail that the interest would continue so it kept building up the principal balance due. We are now XXXX and XXXX and two years ago I got a reduction in the payment ; however, the 8.25 % interest continues. My husband is retired and I will be retiring at the end of the year. I guess my only option to get out of this mess with Navient is to take out a home equity loan on our home which will be at a much lower interest rate. Navient pushes forebearance and " reduction in payment '' but really do n't stress that the interest does not reduce and keeps adding to principal

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: RE : {$500000.00} Loan Requirement the Day Before Closing? 
Loan ID : XXXX Loan Amount : {$100000.00} Mortgage Consultant : XXXX XXXX XXXX XXXX ID XXXX Sir/madam : Yes it 's true. We learned about a Wells Fargo mortgage approval condition requiring we put {$500000.00} into a Wells Fargo account the day before our closing. Not only was this a complete surprise to us, it felt like blackmail. Let me explain. 

We 've purchased several homes in our lives and this one was by far the smallest. We were asking for a {$100000.00} loan for a studio in a resort area of XXXX, Colorado. We knew up-front the approval of said loan would require special approval because of the resort status but were assured that because we were putting more than 20 % down, had excellent credit and income, we were good candidates. We also had over {$100000.00} in our Wells Fargo account during the process. Wells Fargo also carries the mortgage of our current home. As mentioned, the special 'resort ' approval was n't a surprise but the fact that a {$500000.00} deposit was never mentioned until the day before closing and was conveyed as a necessary requirement for loan approval was a complete and utterly disturbing surprise. If we had known about this bizarre requirement at the beginning of this process, we would have ceased all efforts with Wells Fargo. 

Needless to say, we refused to participate in what seemed like extortion and were ultimately denied. In addition to having to grapple with this unexpected and disturbing situation, we were informed we 'd be losing our {$5000.00} earnest money because we did n't receive loan approval as scheduled. This is an issue we 're dealing with via the broker 's office but it is important you understand the full fall-out of this mishandled situation. We will be pulling our {$100000.00} in cash from Wells Fargo and putting it elsewhere in coming weeks. 

I have informed the Consumer Financial Protection Bureau and requested this matter be investigated. I 've also notified The Wells Group Real Estate Brokerage.

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 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Creditor : XXXX XXXX XXXX XXXX XXXX XXXX is charging me the wrong amount. I have showed my deposit was XXXX and showed them my pet deposit was XXXX I sent them money order recipes XXXX. I also informed them I was not liable for bed bugs. It dose not show on my lease I am responsible. The lease dose not show a leasing agency signature. The XXXX apartments have been threw so may new owners that have been in so much dept. I have never been late on rent. That is why they are trying to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is reporting an account as open and past due. This account was with XXXX XXXX XXXX and was discharged in a Chapter XXXX  Bankruptcy in XX/XX/XXXX. I have written Experian and followed their dispute resolution system. They were provided with the schedule of discharged debts and the discharge documents. Additionally I provided XXXX with XXXX and XXXX reporting of the account. Experian came back and denied my claim and told me to call XXXX XXXX and provided a phone number. I called that number and XXXX XXXX confirmed that the debt was discharged and told that Experian needs to contact XXXX XXXX. This has all transpired over the last 3 months. XX/XX/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 non-monetary relief
Consumer complaint received 05-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I purchased a family vacation package for {$5100.00} from XXXX Vacations that was outright fraud. XXXX refused to acknowledge my letter and has not responded to these issues so I disputed this charge with my credit card company American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: This is a follow-up regarding the complaint XXXX submitted on XX/XX/2017 that I opened a checking account with BBVA Compass bank and did not receive the {$200.00} bonus even though I satisfied all the requirement. 

In the response to the complaint, the bank confirmed that I have satisfied all the requirements except that " Unfortunately, during the review of your account, it was discovered that due to your Tax ID certification status, you are ineligible to receive the {$200.00} cash bonus. The California Colorado Sea of Blue Consumer Checking Offer flyer states that Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' However, the document attached clearly shown that I have certify under perjury with the bank at the time of account opening that I 'm U.S. person ( resident alien ) and not subject to an withholding. And as such, it seems that there is a mistake on BBVA Compass side in assigning wrong withholding status to me. Therefore, I should receive the {$200.00} bonus since I have satisfied all the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have mailed and called numerous times to Experian that XXXX XXXX NJ XXXX does not and never has belonged to me. I want this address removed for my credit report! I told them wherever they are getting this information it is incorrect. How can these credit agencies play the rule of XXXX and do what they want! Please help me get this address off my credit report. They are the only credit bureau reporting this incorrect 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 explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: CHASE CARD did  n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a s mall claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX   XXXX   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I bought a used XXXX XXXX and XXXX said they would finance the loan. The car loan was denied by XXXX based on inability to confirm residence. It was automatically sold to Capital One without my consent. On the day I bought the car, the XXXX rep told me I could opt out of the Added XXXX XXXX agreements worth over {$3200.00} I was not told : 1. That I would pay interest on the maintenance agreement 2 ) that the auto loan woul be automatically transferred to Capital One ( instead of my Own Credit Union 3 ) that I would be paying {$3000.00} more plus finance charges because the transactions decision to transfer the loan was made automatically WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year i received a notice on my credit report from some company claims i owe {$500.00} dallors to them on an old credit card that was paid. Ive been working with a credit repair company to resolve this issue. This compa ny LV something claiming that i pay on an old bill that was paid will be going to court soon to dispute this matter which they claim that i have Circuit Court which appears on my credit record I 'm going to dispute that and get every penny of the money that I got coming back to me for them harassing me. Again I know nothing about this company and for them to be practicing I 'm going to turn them in and let the FBI do the work on them for ruining my credit report tha nk you

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I enter all the information you requested about me, addresses, SSN, birthdate, but the questions you asked about my identity were question ( I think ) about my son who lives in Florida. My son has the same name as me but he 's the the XXXX, ( XXXX ) and I 'm the XXXX. I cant get access to my credit report which I need What should I do to fix this? Or is there something wrong like identity thief?

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 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called Navient Student Loans to ask for a lower payment plan because they keep raising my monthly payment amount. I was told the only way that I could qualify for a reduction in my payment was if I completed a verbal financial statement. I gave the Agent my information and she rudely cut me off saying I did n't have any disposable income and then said she was going to put me on hold to check my credit. After a fairly long wait, she returned to the line and asked what other student loan companies I was paying. I told her XXXX XXXX XXXX XXXX and XXXX. She told me that she did not see the names of those loan companies on my credit. I told told the agent that I did not give her permission to check my credit and she responded with the statement that she did not need my permission to check my credit. I told her she did and she cut me off saying that the names I gave her were not on my credit. I told the Agent that XXXX was XXXX Bank and XXXX is XXXX XXXX XXXX XXXX XXXX. The Agent 's story then changed. She claimed that she saw those companies on my credit but, that they showed the loans in forbearance. I reassured her that I was paying the companies monthly and she then demanded that I send in copies of my banking statements to prove I was making payments. I told the agent that I was not sending my banking information but, I could send in the monthly statements from the lenders. The agent then said I was asking for help and since I was refusing to send in my banking statements, she was going to put on my account that there was nothing they could do for me. I feel like there is something unethical and illegal going on with this company. I am trying to communicate with them and pay my student loan. All I asked the company for is relief on the monthly payments and I was yelled at by an agent who checked my credit without my permission. Navient should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, GMAC as servicer filed a foreclosure complaint on my property. The alleged note did not contain any blank endorsement. GMAC went into bankruptcy, and the case was stayed for awhile. Later plaintiff was substituted for XXXX. The substitution was initiated by Ocwen Loan as servicer with the help of XXXX located in XXXX XXXX. 
Ocwen is illegally attempted to foreclose on a mortgage it knows it does not have standing to foreclose. The trial is scheduled for XX/XX/XXXX. Ocwen is once again engaging in questionable servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: EQUIFAX sends XXXX XXXX the followng correspondences - maybe considered " fraud '' that violates consumer rights : 1. On XXXX XXXX, XXXX from Equifax Information Services LLC ( attached, XXXX ). Subject of Letter : " XXXX XXXX 's call re Fraud Alert, '' 2. and XXXX XXXX, XXXX from Equifax Security Freeze/Equifax Information Services LLC , advising of a subsequent " security freeze '' on consumer 's Equifax credit file. ( attached, scan XXXX ). 

PROBLEM is - XXXX XXXX NEVER made a CALL to EQUIFAX! Not sure what Equifax is UP to ... BUT these XXXX FACTS could be a backdrop to these correspondences : 1. Equifax Settlement Services was acquired by XXXX XXXX XXXX in XXXX XXXX - from EQUIFAX Inc. [ XXXX ]. Essentially - XXXX XXXX XXXX 's direct link to Equifax..XXXX who is the subject of our Mortgage Fraud Complaint with CFPB. See item XXXX below. 

2. XXXX XXXX XXXX is the subject of our Mortgage Fraud case with CFPB - CaseXXXX, lodged XX/XX/XXXX. Purported servicer making an illegal attempt to " steal our residential home in broad daylight. '' No proven LEGAL Rights to foreclose ... and ALLEGED DEBT most recently proven to be NON-Existent! See XXXX XXXX Results XX/XX/XXXX ( Exhibit XXXX from referenced CFPB file : XXXX XXXX XXXX account was DELETED from XXXX XXXX 's XXXX Credit file. ) Consumer is sending correspondence to EQUIFAX by regular mail re this DISPUTE. Given the urgency of our personal situation however - XXXX making illegal attempts to foreclose against our home next week - XXXX XXXX, XXXX - we thought it proper to lodge this Complaint with CFPB for possible investigation vis-a-vis CFPB case against XXXX XXXX XXXX ( CFPB XXXX ). THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: IC Solutions Debt Collectors repeatedly call me even after I had already made payments, they call multiple times a day during unorthodox hours and have now taken to calling my husband who 's information they should not have access to.

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 12-11-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Plenty occasions I called Professional Debt Mediation stating that the debt does not belong to me and that i was a Co Occupant. The apartments told me that i still had to do the lease agreement because i was over the age of XXXX. I 'm not reasonsable for this debt and they never sent anything to validate the debt stating it was mines. XXXX has n't removed it off and i send complaint a couple of times trying to get this removed. 

I called the collection agency and they stated that they had application for me being a co-occupant only and not a lease holder and for me to called the apartments but the apartments never got back with me to validate this debt. 

Debt. Belongs to XXXX XXXX

Company response to consumer: Closed with explanation