milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Purchased a new XXXX XXXX XXXX truck from XXXX XXXX in XXXX, Tx. Financed vehicle with XXXX. Contract was sold to Santander Consumer which changed contract at anytime and at end of contract. They added over $6000.00 in charges and interest to contract. They then illegally repossessed vehicle which put myself and my family with great burden. A contract cannot legally be changed midstream. I spoke with many many people at Santander Consumer and could not get a proper outcome to situation. Here is copy of notice I received:Interest charges accrue each day on your account. If applicable, late fees will be applied to your account when it is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Non-federal student loan) with AES/PHEAA (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My private loans are serviced through AES. I lost my job in  XXXX  and have been struggling to make my payments. I was finally able to file for a loan modification. After spending {$45.00} to overnight the information ( which wa s 50+ pages ), I was to ld that not everything was turned in correctly and that they needed more information. I called  FOUR different times, talking to FOUR different representatives that all told me something different on what other information I needed to send in. I was assured that the information I sent in the last time was correct. While still waiting to find out a decision I called tonight and was told once again that I did n't have the correct information, which now it is past the 10 day period to turn in additional information and I 'm being told I would have to start all over. While in this state of trying to get my payments lowered, they have since increased my payments again. I have no idea how I am expected to pay almost {$600.00} a month when I am not working and only have my husbands income. It is so frustrating to do everything you are told to do and still they find another excuse on something that was not turned in. For example, my grandfather is my cosigner and I had to send in all the student loans he is on. The only loans are through AES and I have printed statements for both my sister and myself and I 'm now being told since they do n't have his name on them it 's not good enough. When the loans are serviced BY AES and tha t 's who I 'm trying to get the modification though!! I 'm guessing the only thing I can do at this point is stop paying them a nd hope that when I default they will accept a reasonable amount of money each month instead of almost 2 weeks of pay. And I really hope for all the other poor people trying to get help that they train their employees to be all on the same page and not  give someone a different answer every single time they call in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: I have opened a case with the  XXXX  major credit bureau about  XXXX  credit card being aged & on my report for more t han 7.5 ye ars. All credit bureaus with the exception of Equifax have removed it from my credit profile but under FCRA it states " consumers reporting agencies  may not report outdated negative information. '' I received a copy  of my credit report from Equifax and they are the only credit bureau who has the date of last payment wrong. So either  XXXX  credit card have a discrepancy with Equifax or Equifax has the data wrong and by law it needs to be removed immediately. I will file a law suit with Equifax and  XXXX  but I 'm bringing it to the attention of the Attorney General & CFPB for help in getting Equifax to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. Transunion has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.

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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EQUIFAX fails to act in accordance with FCRA Section 609. EQUIFAX fails to provide " the source of this information. '' Equifax fails to provide copies of the documentation used to verify this tax lien. EQUIFAX continues to report this inaccurate information on my credit files which lowers my credit scores. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a loan modification application  XXXX . The POC  XXXX   XXXX  at  XXXX   XXXX   XXXX  ext.  XXXX  Does not return my emails or calls. Meanwhile, my loan modification application lapses and I will be denied and m home goes to foreclosure.     Dates when I have called :  XXXX .    XXXX .    XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I deposited a check for {$8000.00} into my Wells Fargo account on XXXX/XXXX/16. The check was from my XXXX account. XXXX is showing that the check cleared on XXXX/XXXX/16. Wells Fargo is claiming that there were insufficient funds in XXXX to clear the check and they are closing my account. I confirmed with a XXXX banker that the funds were available and they were sent to Wells Fargo. I faxed a letter on XX/XX/XXXX from XXXX to Wells Fargo that explained that the check cleared and funds were available. It had the bankers name and contact information on it. I was told to expect a decision on the account closure today, XX/XX/XXXX, however when I called they had not yet made a decision. 
They have not as of yet released the hold on the {$8000.00} check even though it cleared XXXX. I have not yet been provided a definitive answer as to when those funds will be available. Even though the status on the website shows it will clear tomorrow, XX/XX/XXXX, the agents on the phone seemed unsure if it would be available then. 
They have also informed me that my credit card is on hold because there is a hard hold on my checking account, and if Wells Fargo closes the checking account they will close the credit card as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: In 2008 I received a bill from Capital One, account was opened in XXXX 2008, we contacted them and told them we had no account, did not apply, had not gotten a card, wanted no account, owed them nothing ( no transaction had been made ) and wanted it closed immediately, they said ok, it was closed. unknown by us, there was another account supposedly opened XXXX, ( a month before the other one, is n't that kind of odd? ) we never got a bill, never got a card, never applied for an account, just as we told them about the other one but this is now 7 yrs later and last month we got a bill or {$100.00}, I called and told them I did not have an account, did not want an account, did not make any transactions, do n't have and have NOT HAD a card yet we owed money? This month we got a bill again for {$100.00}, I called again, they will not close the account unless we provide them with all the information needed to open an account, NO WE WILL NOT GIVE THEM SS #, BIRTHDAY, FULL ADDRESS, so they can build an account? They hung up refusing to pull up the account with the account number, last digits and year of birth, so we have never had a card, never bought a thing, and they had negative information on the credit and a bill of {$100.00} that is growing by late fees and interest AND WE ARE NOT THEIR CUSTOMER. WE BOUGHT NOTHING. WE HAD NO IDEA FOR THE LAST 7 YEARS THAT THE ACCOUNT WAS OPEN. I want the negative information removed, not shown as paid but shown as charged without permission, and the account closed. NOW. I am thinking of buying a car and I want this removed, without having to provide them with any of my personal information because I never provided it to them in the first place. The CAP ONE XXXX attachment is the " other '' account that apparently was opened a month after the account in protest, the reporting in erroneous as well, we never had a card or made any transactions as soon as we found out about it, we closed it, we never knew about this one until last month. Why would they open more than one account within a month of each other? We never applied to open an account at all. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, a PayPal Credit account was open without my consent. A credit inquiry was made by PayPal credit with XXXX. Once I found out I immediately notified PayPal credit of the fraud and closed the account. I was told to fax in a letter explaining the situation and PayPal Credit would contact XXXX directly and have the inquiry removed. I faxed the letter and received a letter from PayPal that I need to contact XXXX myself. So I did so and XXXX informed me that PayPal must contact them directly, I can not resolve the issue alone. So I informed PayPal of this and again they told me to fax a letter explaining everything and they would handle it. I sent my XXXX fax to them and received the same letter as before saying that I must contact XXXX directly. I called PayPal again and spoke with a manager named XXXX XXXX she basically told me its my problem and they refuse to do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax allege they are unable to update my email address in their system. The email address they have in their system was compromised, alert was sent via XXXX. 

Equifax allowed unauthorized access to my consumer file opening an account on behalf of XXXX XXXX XXXX without phone verification. See attached Consumer File from Equifax in 2016 there is no XXXX XXXX XXXX account there. ; XXXX XXXX XXXX is not listed, ,Equifax allowed creditor to add derogatory account without notice and refuse to remove over the last 60+ days

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my {$1200.00} mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because of the devastating loss of the value. I paid another company to help me to intervene. What I did n't realize is that Seneca Mortgage servicing only reduced my payment, but redo it for another 40 years. I did n't know this until I came back home from helping my ill family. I consider this practice as PREDATORY LENDING. I need help in getting this issue resolved. I should not be starting over for another 40 years when I 've had the house for 26 years already. WHO DOES THAT. They split the mortgage into XXXX, XXXX is for {$120000.00}, and the other is for {$55000.00}. The house does n't worth this {$170000.00}, and I should n't not be starting over. I thought that after two years of not missing any payment, they will forgo the {$55000.00}, part of the split. That was my understanding. Seneca Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Home address : XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need set up a new financing plan that does n't include the {$22000.00}. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Unauthorized inquiry by   XXXX   for credit card on  X/XX/2016   ,  X/XX/2016   , and  X/XX/2016   . Reported to  XXXX   X/XX/2016    as fraudulent and requested investigation/close acct. Received letter on  XX/XX/2016     XXXX  resolved in my favor and they notified  XXXX ,  XXXX , and Transunion by letter to remove acct. On  XX/XX/2016    I requested 90 day fraud alert to Transunion. Both  XXXX  and  XXXX  have removed   XXXX   acct and hard credit inquiry in timely manner. Transunion has removed only the  XXXX  acct, NOT the  XXXX   (   XXXX   ) har d inquiries.   I have requested several times and Transunion states it has been removed. All credit reports I have STILL show this information. This has an impact on my ability to raise m y credit score. I  have documentation to prove my complaint.

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 10/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was recently stolen. The fraudsters have attempted to open a number of credit accounts with retail establishments such as XXXX, XXXX, XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX my Freedom Unlimited credit card was denied when I attempted to pay for lunch. In the afternoon, my wife attempted to make a purchase at the mall and her purchase was denied using the same card. I called the bank credit card services at ~XXXX XXXX and I was informed that both my credit cards ( Freedom and Freedom Unlimited ) were closed. When I inquired about the reasoning, I was informed that Chase Bank has decided to close my other accounts and therefore credit cards have been closed as well ( other account referring to Checking and Saving ). When I asked why I was n't even notified, I was informed that a letter was sent the same day my credit cards closed. After about an hour of being bounced around on the phone, a lady with banking informed me that " my account has been reviewed and the bank has decided to close my accounts ''. As I repeated my question, she kept answering the same exact way ( maybe changed a word ) but no answer as to why?!? I have been a good customer and have had no issues in regards to payments. How can my checking, savings and 2 credit  cards close with no explanation?!? I was informed that I can continue to use my checking and savings until XX/XX/XXXX as they will close later. I still have no mail about any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with ACS Education Services (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As part of a divorce decree, borrower required co-signer assume 100 % of remaining student loan debt. Borrower has never made a payment on loan, payments have all been made by co-signer per the judicial order. Borrow submits the tax credit information on tax returns for self because cosigner has been denied document. Now, 8 years later, borrower has unilaterally increased the monthly repayment amount for no reason other than to maliciously affect co-signer.

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: I spoke with a rep after XXXX/XXXX/XXXX with XXXX. The rep advised that the request on XXXX/XXXX/XXXX was received and confirmed that my request was pursuant to my rights afforded by FCRA 611. The rep advised that although pursuit to my rights by FCRA none of the accounts included on my request were verified with my original contract or identification provided at the time of applying because those companies are n't required to do that. I advised the agent that per my rights afforded to me by FCRA credit reporting agencies held the responsibility to verify anything added to my report with the original contract. The agent then went to advise that although you did not complete your steps as a credit reporting agency you did not remove unverifiable accounts from my file. The information in response to my complaint it states, " For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. '' This does not correlate with the information provided by the representative who confirmed TransUnion did not get proper verification under FCRA 611 and provide me copies. It also does n't correlate with the representatives advisement that the accounts were not deleted.When i first reached out to TransUnion regarding a copy of my report and the proper steps to take regarding my disputes I was then advised that for public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly to FRCA and other laws thought were included with my report titled YOUR RIGHTS AS A CONSUMER. According to the information confirmed by your agent that had not been done and a copy of the verification documents ie ; original contract, proof of identity, and/or updated credit report was not received by mail.

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 04-07-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other fee

Complaint: I applied and was approved for a Barclay Gold Card in XX/XX/XXXX because of the very generous benefits they offered XXXX Military ie waived {$990.00} annual fee, 0 % APR, etc. Shortly after the holidays, earlier this year, I was notified that Barclays was no longer going to honor waiving the {$990.00} fee and if my account wasnt closed prior to XX/XX/XXXX, I would be assessed that fee. I feel as if Barclays baited me into a great deal and then pulled the rug out as soon as i was approved and began using the card racking up a balance over the holidays. I now have a balance on a card that i need to close within the next 6 months or else i will incur a {$990.00} fee that I am not prepared to pay. I would never have applied for this CC if i knew i would have to pay a {$990.00} fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am the co-signer on a loan for my niece. She has stopped making the payments recently. They have started calling me sometimes 12-15 times a day, despite me contacting them repeatedly and explaining to them that I am ill on XXXX. I have on three occasions, given them the name and address of the bar my niece co-owns in Florida and have asked them to contact her for the money. She clearly HAS IT!!!! On the last occasion, the gentleman took my information to apply for hardship. I made a {$25.00} payment but the calling has gotten worse. Neither my niece nor my sister will help me out. I am SO STRESSED and so angry at my own family for this but there is nothing I can do. I want Navient to go after my niece for the money and leave me in peace. It is having an effect on my ill health.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: I cancelled my Citi card in XX/XX/2016. They did n't cancel it when I asked them to because they wanted to make me an offer. They accepted another charge to the card that I had cut up and disposed of then started charging me late fees for not paying. I called them, and straightened it out ( I thought ) on speakerphone with my husband listening. The service agent worked with me I made a FINAL payment on the phone. I asked TWICE if that was going to XXXX the balance and cancel the card and she responded YES. Today I got another bill for XXXX. They charged me a minimum fee of {$.00} and then a late fee of {$25.00}. I called and asked why. Because it 's the minimum fee ... the service agent could fix the late fee but could n't fix the minimum charge so it will just keep billing me forever. It 's only been {$38.00} so far because I keep calling and having them remove the charges but this is ridiculous to go on this many months.

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