milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Problems when you are unable to pay

Complaint: Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my Experian and XXXX reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of Experian and XXXX showing the incorrect XXXX entries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with URS Holding, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck

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 10-07-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have filed a XXXX dispute in regards to XXXX the which is in regards to XXXX XXXX. This issue has been going on for months. I contacted XXXX XXXX myself plus optimum outcomes because optimum outcomes told me back in XX/XX/XXXX they never received a dispute from Equifax. Which I have the recorded calls from XXXX people at optimum outcome telling me they never received a dispute from equifax which was in XX/XX/XXXX. I got a letter from XXXX XXXX which states the info is not available. XXXX and XXXX have deleted this from my file. But, Equifax keeps putting this off.They have this letter I sent to them from the creditor and they tell me it 's not enough information. Everytime I call equifax I get a different answer from a different person which all these calls are recorded. They are not trying to fix this they do n't care! They are also trying to tell me they have until XXXX XXXX on this XXXX dispute which is incorrect! I told a customer service rep over the phone that it was disputed. Also my XXXX letter was dated XXXX XXXX, 2015 so the phone call was before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX 2013 I opened XXXX bank accounts at Wells Fargo in XXXX XXXX, Oregon -- a small business account and a personal account. Within a XXXX, Wells Fargo closed my accounts, without notice and without explanation. Eventually it took my calling Wells Fargo to find out that my accounts had been closed ; in the meantime I was unable to access my accounts, either online or at ATM machines. Wells Fargo said that additional information was required on my accounts, which I provided immediately. Wells Fargo re-opened new accounts in my name, only to close my accounts again within another week or XXXX, then to re-open my accounts, again, with new account numbers. While all this was happening, Wells Fargo continued to hold - and have the benefit of - my money. Since my accounts were so messed up by Wells Fargo, I could not setup online banking, I could not pay bills, and I never received bank statements of my accounts. In XXXX or XXXX 2013, I attempted to apply for an XXXX XXXX driver 's license ; however, since XXXX required proof of residency within the state, which may be provided by bank statements, I was unable to provide proof of residency without my bank statements from Wells Fargo. I purchased XXXX vehicles in XXXX 2013 in Oregon ; since I had no state identification from XXXX, I had to use my XXXX driver 's license as my identity -- and pay XXXX sales tax, which I would not have had to pay any sales tax at all if I had an XXXX driver 's license ID.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: On XXXX XXXX, XXXX I contacted Experian regarding several medical collection accounts by XXXX XXXX XXXX appearing in my credit file. I have requested that Experian disclose to me all of the documents that they have recorded and retained in their file verifying that these collection accounts belong to me. On XXXX XXXX, XXXX I contacted Experian again requesting the same information and asked for the names of the representative they spoke with to verify this information. On XXXX XXXX, XXXX I mailed Experian proof that there is know way they verified this information, due to the fact that XXXX XXXX has no record of these accounts. On XXXX XXXX, XXXX I received a letter from Experian stating they are still investigating my dispute. But they had already sent 2 letters stating this information had been verified, so all they have to do is look in their records and advise who they contacted and send me the information. Experian has had since May to verify this information and send me the documentation. Now today I check my credit score with no changes my score has dropped XXXX points. I am working hard to clean up my credit, pay accounts on time in order to purchase a home for my family. If you look at my credit file you will notice payments on time, utilization is down. Then for Experian to drop my score because of these unverified medical collections is unfair and unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries associated with my account were not properly verified by me and I want them removed now. Complained to Equifax Bureau for not properly verifying and would never let me speak to a rep in the US.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Previously I filed complaints against XXXX XXXX and Bank of America on XX/XX/18. There was a filibuster between the two institutions and {$400.00} of my funds were placed on hold and there was the threat I would never receive them back at no faul of mine. There was a transaction error between the two banking institutions, XXXX  called from XXXX and got BOA on the phone and a verbal approval was given to release the funds to me. This morning BOA closed the dispute file with an adverse action action me. 

This Morning XXXX XXXX from called to collect the money back and said she was a debt collector. I told her I was recording the call. The problem had been fixed and I had my {$40000.00} back. 

Today when I called XXXX to fix the adverse statements against me he said he wanted to pull public records to fix the inaccuracies. Then he told me he could help me. 

Bank of America is a MESS, They don't know what they are doing and their polices and procedure are made up on the spot and adverse to consumers. They are out of order someone truly needs to get in their and find out what's going on. I spend 8 to 10 hours working out problems they unfairly create and this has been a hardship on me. I'm a senior collection XXXX XXXX. XXXX and XXXX, I would like to have my financial records were ever they are to be accurately reported, Thank you!

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 12/30/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I am not responsible for any debt with XXXX XXXX XXXX XXXX . I have requested for XXXX XXXX, XXXX to provide me with the original contract signed with XXXX in which they 've never provided. If my signed proof ca n't be provided to me I would like this account to be deleted from all 3 credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Coinbase!!!!! 
They removed my cash out of my account and into another that i have no access too. They dont reply to emails and blocked my phone after nearly 2 months of struggling to get my money back. Its only XXXX but i need it back in the value it should be to the bitcoin price now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: My son gave me a check written on his Chase Bank personal account. We both have the same last names. I took the check to Chase Bank in XXXX, TX. He had sufficient funds to cover check, I presented a valid id and the bank refused to cash/honor the check because I did not have an account with them violating federal banking regulations. They did not even try to contact him by phone to verify check. I spent approximately 20 to 30 minutes in the bank. The vice-president stated that she did not have the authority to cash this check and was unable to reach any of her supervisors for an authorization. Very hard to believe. In short, they refused to honor their own check written on there bank with a good customer who had ample funds to cover the check. I do n't understand these big corporate banks who make it very difficult to do business with. It is no wonder they spend huge amounts of money on advertising to draw in new customers when they should learn to take care of their existing customers. Do business with a independent bank for superior customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DEBT 0, INC (FL).
Issue: Fraud or scam

Complaint: Dear Sirs, Two weeks ago you handled a complain between XXXX XXXX and us, you referred with the # XXXX. We do n't agree with the amount of the reimbursement XXXX XXXX sent. Numbers, as per same attachment XXXX XXXX sent, we have : Total amount deposited by us to XXXX XXXX : {$10.00} ( Exhibit # 2 ) XXXX already paid : - XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - XXXX {$38.00} ( Exibit # 6 ) - Settlement amount to pay to XXXX XXXX, {$3200.00} TOTAL DEBT PAID : {$8300.00} The amount to be returned must be {$1900.00} instead of {$880.00} already sent by check. Additional we need to know, having the money available, why you never complete the payment to XXXX XXXX? Is XXXX XXXX responsible If this agreement is no longer valid since payment were not done, if this is the case, how it will be handle since was your lack of dedication following up these accounts and not having done the payments. Besides, we need the agreements you signed with XXXX XXXX XXXX and XXXX. Looking forward your soon reply, Sincerely, XXXX XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Discharged chapter XXXX should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.

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 (Payday loan debt) with Midwest Recovery Systems (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due. 

Citation : Ind. Code 24-4-4.5-7-101 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my student loans along with XXXX small Parent Plus loans. In the consolidation loan application I marked that I wanted and Income Driven Repayment and more specifically an Income Based Repayment. The online system allowed me to check off " Income Based Repayment. '' However, because I consolidated Parent Plus loans in with my student loans I was n't eligible for and " Income Based Repayment. '' The online system should not have allowed me to check off the option - " Income Based Repayment. '' Furthermore, I did not receive my estimated payment amount in time for me to even cancel the consolidation loan. This seems like Deceptive Trade Practices to me. First, the online consolidation system allows a borrower to check " Income Based Repayment '' and then FedLoans does n't get the monthly estimated payment to the borrower until after the ability to cancel the loan has passed. Mortgage and consumer lenders are bound by law to provide " Right of Recision 's '' and " Good Faith Estimates '' so that the borrower can insure that they can afford the payment. Why is n't FedLoan Servicing held to this same standard? I can not afford the Income Contingent Repayment that FedLoan provided to me and now they are telling me I have no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

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 11-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I had started a loan Modification with XXXX XXXX XXXX XXXX to try to get a lower monthly payment for our Mortgage. They said that in order for them to help us we would have to come up with XXXX different money payments- XX/XX/XXXX of {$1200.00}, XX/XX/XXXX of {$800.00}, and another payment of {$800.00} on XX/XX/XXXX. And on top of these payments they also asked for another amount of {$650.00} for Attorneys fees, this was on XX/XX/XXXX. We sent all the money they asked for. XXXX XXXX XXXX told us not to send any mortgage payments to Wells Fargo Bank. XXXX XXXX XXXX said that they will take care of the modification process. But XXXX XXXX XXXX never processed it. They forced us into bankruptcy. We feel that we should n't be in this situation. This is the reason why, Wells Fargo was n't receiving our monthly mortgage payments.

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 11-05-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My spouse filed for chapter XXXX approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter XXXX was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter XXXX where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter XXXX was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. 
I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for a lower interest rate. 
My spouse has been working for the same company for fifteen years. Now. She barely makes above {$30000.00}. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a XXXX. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a XXXX veteran and she 's coming up on a major decision as to remain at {$30000.00} and continue with the wear and tear of her position, or quit and find something for possibly {$7.00} per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.

Company response to consumer: Closed with explanation