milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. 

I set the additional payment online via echeck, hit submit ONCE, and got XXXX confirmation number. Fast forward to yesterday and XXXX has withdrawn an additional {$6000.00} dollars from my bank account using the SAME check number. The amount of catastrophe this has caused is unmeasurable. 

In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account using the same Echeck number, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 

I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 

My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. 

I spent a significant amount of time on the phone with several Santander Bank representatives yesterday ( XXXX, XXXX, XXXX ) who while I 'm sure did their best to provide customer service told me the business could process a refund no faster than 10 days and it could take up to 45 days to resolve. 
The bank allowed an issuance of the same echeck on three separate transactions. 
It took the bank a full week to inform me my account had been overdrawn to this point. In the 10 years I 've had my account, it 's been overdrawn once, by {$2.00}, and you mean to tell me there were no red flags when {$18000.00} was withdrawn in two days bringing my account far into the red? 
I was also informed that I could not be given a temporary balance adjustment in the meantime AND that the overdraw fees being charged to my negative many thousands of dollars account could only be resolved after the fact in another entirely separate dispute. I was also told that the bank would not assist me in speaking with XXXX to resolve the conflict. 

I have been a customer of Santander Bank since 2006 and will be closing my account with them as soon as this is resolved.

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
Consumer complaint received 07/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In a notice dated XX/XX/XXXX, I was informed that previous payments for my Income Based Repayment plan were miscalculated, resulting in overpayment totaling {$1800.00}. The letter said no further action necessary because it had been credited to my account. I called XX/XX/XXXXin an attempt to retrieve that " credit '' but was told it was already applied to my account. I asked if I could have it reallocated to a different loan they serviced and was told it could only be applied to a federal loan. I had no choice in how this was distributed. I 'm on an IBR plan because I ca n't afford to make standard payments, so obviously, I would n't be overpaying if I had a choice. 1/3 of my income goes to student loan payments. I ca n't find any language in any of my terms of service regarding overpayments when it is the loan service 's miscalculation. I sent a written request on XX/XX/XXXX that they issue a reimbursement check. I have had no further contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Closing on a mortgage

Complaint: I was charged " discount points '' on my loan without my permission or request. Fortunately I read the final paperwork and cancelled the loan, Also the fees for the loan were much higher than market rates. 

Date was XX/XX/XXXX and the amount was {$3000.00} for the points. Company was Quicken Loans

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should  have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX  stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX  Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Payday loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: my payment is due on the XXXX, i received a call on the XXXX at XXXX saying they did n't received my payment. I told them that i would be sending a payment on my payday which was the XXXX, they told me i would be in default if payment was n't received by the XXXX of XXXX. well my check was short by error, my job is fixing that. I call 800loanmart to let them know they said the same my payment will be in default by the XXXX. This morning ( XXXX/XXXX/17 ) i get a email telling me i broke an agreement by not making the payment on the XXXX. my question is is this harassment if I 'm not 10 days pass due. I thought there was a XXXX grace period. Can you help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was attempting to attend XXXX in 2007. I was told I qualified for financial assistance. I was not told that it was student loans. There were many papers I was told to sign but I did n't fill any of it out, just told that they were all for administration. Now I have received paperwork for a private loan I did n't know I had that XXXX had taken out in my name for classes that were not attended. I had consolidated all of the loans that I was aware I had from Sallie Mae into the XXXX program. Now I am being sued for a loan I had no idea existed. I called the company holding the debt now and I have n't been able to find out when the loan went into default. I only have the original application that was n't filled out by me. Now this lawyer 's office wants me to come up with a pay off amount of over {$4500.00} in order to stop the process of them suing me. I do n't have that kind of money for a loan I did n't know existed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a SPLIT FILE on my Equifax Credit Report. 

Equifax is REQUIRED to merge my Equifax Credit Report into XXXX Credit Report per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: As a result of the Equifax breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like XXXX businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the Equifax XXXX XXXX phone call today, XXXX/XXXX/XXXX ), if I sign up for Trusted ID, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX XXXX ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in XXXX XXXX and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my XXXX have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

Equifax says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is Equifax even in business? They had XXXX job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I spoke with a representative twice @ XXXX. Once in XX/XX/XXXX and again XX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on 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 explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Using a debit or ATM card

Complaint: Hello CFPB, On XXXX XXXX around XXXX I attempted to make an ATM withdraw at a XXXX ATM ( XXXX XXXX XXXX, XXXX, MA XXXX ). After being rejected by both ATM 's saying that my account had insufficient funds I assumed that something must be wrong with the ATM or an error with my Capital One 360 debit account associated with the card, as I had checked my balance earlier in the morning at it was slightly over {$700.00} dollars. When I checked my account later that night I discovered that an withdraw of {$700.00} dollars had been made at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX. I live in Massachusetts and did not make this withdraw so I immediately flagged the transaction and closed the debit card. 

Please let me know if there are any additional steps I should be taking to dispute this transaction. I have contacted the back associated with the debit card, Capital One 360, but they are closed for the holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Bank is almost impossible to make contact with regarding my second mortgage loan. Each time I attempt to call I 'm on the phone no less than an hour trying to get to the department that handles my account. First they changed the account number without notifying me. The branch office where I pay my loan could n't find my account, subsequently I had to wait 40 minutes before they were able to process my payment. They gave me what they said was supposed to be my account number. Several weeks later I attempted to call the PNC regarding a notice they sent me and ended up being on the phone for over an hour, because no one could find my account number. This happens all the time!! It appears they do n't want customers contacting them. I do n't have a department phone number, there 's never any number for contact on any correspondence they send me. Additionally, I 've tried to refinance this loan several times when my credit score as well as my wife 's credit score was in the XXXX area, and we were refused, although we paid our mortgage {$1000.00} on time with a 9.74 % rate. Although now we are retired and our income has n't increased we are paying the mortgage late each month, which means PNC is charging us {$100.00} late fee each month, which is further financially destroying us. We 've had this 2nd mortgage since XXXX/XXXX/06 and we do n't want to continue to be treated unfairly, unlawfully, taken advantage of and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I first learned about this debt collection effort when I was notified by my identity monitoring service of adverse information being submitted to credit agencies. I had never received any bills or notices about this debt in the mail. The identity monitoring service gave me the name and phone number of the debt collection agency. I called the debt collector on XX/XX/XXXX and learned the original bill related to an XX/XX/XXXX visit from a year ago. For some reason, they had the hospital 's address listed as my home address ( although they did not recognize it as such ), so that any bills, statements, and notices that may have been mailed were sent to the hospital rather than to me, which is apparently why I never received any notices. I had received other bills in the mail related to this visit ( ambulance, the doctor who examined me ), so it 's not clear why neither the hospital or collection agency could find my correct mailing address. After several more phone calls, I finally received a bill in the mail on XX/XX/XXXX, but the amount was higher than my insurance company said I should pay after accounting for payments they had already made. When I called, I was told to have my insurance company fax an Explanation of Benefits to the collection agency, which I did on XX/XX/XXXX. I called the collection agency back on XX/XX/XXXX, verified that they agreed with the lower amount, and was told to mail them a payment for that amount, which I did on XX/XX/XXXX. They also told me they would send me a verification letter upon receipt of my payment, and that they would also notify the credit agencies. My bank shows that my check was processed on XX/XX/XXXX. After not receiving anything further in the mail, I again called the collection agency on XX/XX/XXXX, and was told that my balance was now XXXX and that the debt was paid in full. I again requested a confirmation letter and notification to credit agencies. After hearing nothing, I again called on XX/XX/XXXX, and was told that processing could take 30 to 45 days. As of today ( XX/XX/XXXX ), I still have not received my requested statement showing the bill has been paid, even though the check was processed over 2 months ago. It also appears that no updates have been submitted to credit agencies, so that they are still showing that I have an outstanding debt in collection.

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 01-07-2018 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (DC).
Issue: Problem with additional add-on products or services

Complaint: A company called Prosper is sending me multiple, unsolicited loan offers and I would like them to stop. In fact, XXXX and other financial institutions also send repeated junk mail offers that I must tear up and/or shred to prevent identity theft. 

Prosper has a number to call to opt-out of the offers ( XXXX ), but they require giving out my social security number, which I do not want to do. 

Junk mail like this is not just a nuisance, its a time drain and stress creator. How can I stop these companies from accessing my credit report, intruding on my privacy, and attempting to prey upon my debt? 

Thank you. 
XXXX XXXX XXXX XXXX P.s. the website for Prosper is SaveWithProsper.com.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: It is our belief XXXX XXXX & XXXX XXXX XXXX XXXX. are fronts for Nationstar Mortgage. CFPB has recorded over 10 complaints in this last year against this firm. We made a complaint several weeks ago regarding XXXX 's mistake of not crediting our Tax & Insurance set aside with {$2400.00} within 10 days of the date of the attached letter XX/XX/XXXX or by XX/XX/XXXX. By XX/XX/XXXX we received a NOTICE of PROPERTY CHARGE  DELINQUENCY as attached, as Champion now does not apply the mistaken {$2400.00}. to our Tax & Ins. set aside but makes demand for $ {$2700.00}. and claims if the funds are " not paid in full byXX/XX/XXXX or your loan may be declared DUE & PAYABLE. IF YOUR LOAN IS DECLARED DUE AND PAYABLE BY HUD IT COULD RESULT IN A FORECLOSURE ON YOUR HOME. '' Under duress on XX/XX/XXXX WE BOUGHT A CASHIER 'S CHECK MADE OUT TO XXXX XXXX XXXX XXXX for {$2700.00}. AND MAILED IT THE SAME DAY. See USPS tracking notice attached to this letter OTHER THAN THE TRACKING NOTICE XXXX has not recognized the receipt of this cashiers check. 
These funds of {$2700.00}. plus the {$2400.00}. must to sent back to sender for a total of {$5100.00} forth with or XXXX AGAIN will be in breach of our contract. We understandably do not want XXXX to be in charge of any funds in our Tax & Ins. set aside. We will continue to pay out taxes and insurance ourselves. We received notice from XXXX County that because our loss was over {$500000.00} because of the Atlas Peak Fire most of our Tax paid by XXXX on XX/XX/XXXX would be returned to XXXX with a few months after the new year. We expect XXXX to credit us with those funds as they receive them and stop threatening us with DEFAULT AND HUD FORECLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have an open auto loan with my credit attached to it but none of my information. Do not have an open auto in 2011.

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 11/24/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: When I lived in XXXX I had an account with TD Bank. I have moved to XXXX where TD has no branches. I have told the to close the account many times. The last time was yesterday. 
Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: We moved from XXXX  to XXXX in XX/XX/2017, paid off our utilities, changed addresses, etc. It turns out that XXXX XXXX  XXXX, in XXXX had not finalized their billing and sent notices to our former address, claiming {$240.00}. It caught up to us when a collection agency came after us. We asked for evidence which they never provided in an intelligible format. Attempts to communicate with them was like speaking to 3 year olds. We finally sent them {$100.00} to get them to stop harassing us as payment in full. They accepted the money then sent our case to Experian who quickly dropped our credit score by over 100 points. 
We contacted Experian and they said they automatically believe collection agencies. Not consumers. We called XXXX and they told us how they had arrived at the numbers and we agreed to pay. When prodded, though, they said it was not up to them to remove any negative remarks on Experian, it was up to Experian. We called Experian and they said that was not true. It is up to XXXX. 
We are willing to pay XXXX but if neither party takes responsibility for removing negative comments on our credit to restore it ( It is still close to XXXX on bpoth XXXX  and XXXX ), then why should we? 
Can you help us navigate through this nonsense and get the parties to agree to clean up our credit if we pay the {$140.00}.? 
Thank you CASE AT EXPERIAN is Report Number : 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