milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (MD).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX and his associate, XXXX XXXX, formulated a financial plan designed to preserve and raise enough money so that I could retire and live comfortably by XX/XX/XXXX due to serious medical considerations. I fully trusted them to manage my accounts and assests. However, since XX/XX/XXXX, they have lost well over {$60000.00} of my money -- {$43.00}, XXXX of this was lost in the first 11 months of XX/XX/XXXX, when the market was up. During this time, they also charged me over {$17000.00} in fees. 
I have had XXXX financial experts reveiw my accounts, and all agree that there is no explanation or justification for such massive losses in an up year. XXXX XXXX took " big bets '' puttig my money in very risky funds in amounts as big as {$20000.00}. During the course of our work together, he represented to me over and over via email on the phone that the funds, ETFs, and stocks he was choosing for me were appropriate for my short time frame and small amount of savings. And, he was aware of my need for the money for medical care. Still, he took huge risks, that lost money, with my funds. The horrid losses from my accounts in a year that the market did well speaks to the obvious neglect and inappropriate management of my accounts by XXXX XXXX. I called multiple times in XX/XX/XXXX to express my concerns to XXXX XXXX, and he told me just to trust him. We also had email discussions. On XX/XX/XXXX, I sent a letter to XXXX XXXX, the Branch Manager for XXXX XXXX office, and to XXXX XXXX outlining my concerns and complaints, and requseted to discuss a fair an equitable resolution. I have followed up by email three times now, and I have only received the comment that Morgan Stanley is reviewing my letter. As of XX/XX/XXXX, over a month later, I have no substantive response or willingness to engage with me in any dicussion.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Santander Consumer USA reported a credit inquiry to my credit report as a hard inquiry. I have never applied nor want to apply for credit with Santander. 

I have contacted Santander and they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Radius Global Solutions LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Shopping for a loan or lease

Complaint: I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! Please help me!

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 06/28/2016 about Debt collection (I do not know) with Money Management International, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I started this program in debit consolidating program 2012 and was told and agreed to pay back debts to debtors. I am just about finished with the program and have paid for 5 years. Was told in the beginning what my monthly payments would be and what was owed. There also was not supposed to be no more interested accrued only pay what was agreed. Now that I am almost finished the program they tacked on a 6 % interest to XXXX my last debtor for the last payment. The agreement was when I subscribed to this program was the debt would not accrue any more interest matter of fact they would stop at that point of the agreement. Money Management took over this program in XX/XX/XXXX it is was XXXX and now they have allowed this to accrue and that was my original agreement that I had with XXXX. XXXX sold their program to Money Management and now they have changed the rules. They are allowing interest to accrue and not during the time you are paying it be after you are almost completed the program. I feel this is unfair practices and misleading the consumers. They changed the policy after I have diligently paid this program for 5 years. Now they send me a statement stating estimate that was done when I first started the program and it was supposed to have been finalized what I owed, what I had to pay monthly and time span for program completed. However, they tacked on interest for my last payment added in another XXXX after I had finished the program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a request for a modification on XXXX XXXX, 2016 for review. At this time I was XXXX months delinquent on my mortgage. They reviewed my package and determined that I was eligible for a repayment agreement which would hold any foreclosure action. They offered me the agreement on XXXX XXXX, 2016 which I promptly accepted and returned XXXX XXXX, 2016. 

On XXXX XXXX, XXXX Midland Mortgage filed a foreclosure action against me after executing a repayment agreement.

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 03/29/2015 about Debt collection (I do not know) with ERC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (FHA mortgage) with Selene Finance LP (MI).
Issue: Trouble during payment process

Complaint: I paid my mortgage on time every month and now they are charging me a corporate fee of {$40.00} every month.when I asked what was this for they said an inspection. There has been no inspection of my home. My mortgage company is Selena Finiance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX of my collection accounts were reported XX/XX/XXXX. They are XXXX and XXXX. I found the balance is inaccurate and the timeframe for this item is over 7 years. So I disputed these items and requested Equifax to remove it permanently. 
Under Fcra law, after remaining in 7 years the collection should be removed from credit. I finanlly received their reponse that they will delete these items from my credit report XX/XX/XXXX these items were no longer on credit file. However, XX/XX/XXXX these items were reinserted without notifying me in 5 days This again violate the Fcra law. Morever, equifax re-age my account and make my collection stay up to more 7 years which XX/XX/XXXX. This is illegal and ruin my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Debt collection (Medical) with Alliance Data Card Services (CT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is a XXXX bill from at least 2 years ago. Comenity Capital Bank started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I fell that my school was place to high so that they can get extar money from me and my family!! It was way over price and the interest was way higher than I imagine before sign up and I try to get the best monthly payments but that was to late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Someone is using my name to move in apartments..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Debt collection (Payday loan) with BAM Financial, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They are calling anyone with my last name leaving messages that they are coming to deliver papers to me and they he will stop buy my place of work again to deliver these papers. At which point, I will need to have XXXX forms of id and a person from our HR department verify who I am in person. 

They also are utilizing intimidation tactics saying that we can stop this legal process by calling their call center back. At which point, you are even threaten more, with being arrested for not paying debts. They also even threatened to tie my debt to my children 's credit reports to prohibit them from being able to perpetuate my lifestyle in the future. 

It 's a complete scam, because as I ask for proof of this payday loan, they hang up the phone immediately after saying you know you go that loan, stop playing.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Attention to  XXXX   XXXX  : LOAN #  XXXX  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , Florida  XXXX  Borrowers Name :  XXXX   XXXX   XXXX  To :  XXXX   XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC.   On   XXXX   XXXX   XXXX  , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement,  Rushmore Borrower Assistance Application c ompleted and signed,   XXXX   AND  XXXX  Income taxes return, 2 months of paystub, 2 months of Bank  Statements and Utilities bil ls. The Fax confirmation on that day at   XXXX   XXXX   with  57 page s and also at   XXXX   XXXX   also  57 pages as  well.   On   XXXX   XXXX   XXXX  , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On   XXXX   XXXX   XXXX  , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day   XXXX   XXXX   XXXX  .   On   XXXX   XXXX   XXXX  , we communicated with   XXXX   XXXX   XXXX  , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On   XXXX   XXXX   XXXX   we emailed him the following documentation : Tax returns, Paystub, Bank  Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Some time ago ( several months, I believe ) I began having daily phone calls on my cell phone. I did not recognize the phone number and therefore I did not answer, assuming it was robocalls/scam ( My # is on the Do Not Call list, but I often receive the calls and no longer answer. ) Finally, after months of daily calls, they left a voicemail claiming that they were with " Wakefield and Associates, attempting to collect a debt ''. I have excellent credit, I have nothing in collections and I do not even have a single late bill, so I knew this debt they were referring to was not mine. I am on a fixed income and my cell phone plan is very basic, with limited minutes and so I immediately wrote them a letter explaining all of this. I also told them not to call my phone anymore and I gave them my correct mailing address and said that if they insisted the debt was mine, to send the amount, original creditor and the date of service to my mailing address, but NOT to try to contact me by phone again. The letter was mailed XXXX17. I continued to receive phone calls every day, except on weekends. I have not received anything in the mail from them. I started keeping a log after I felt they had time to receive my letter. They have called : X/X/17, X/X/17, X/X/17, X/XX/17, X/XX/17. I realize it may take more time to receive a reply from them by mail, but they have had the letter long enough to stop calling my phone!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Since I am selling my house, I requested the payoff letter to the lender ( Astoria Bank ) several times. The lender sent me the letter but it did not indicate the payoff amount clearly for XXXX recapture loans that were filed by the lender. So I asked to indicate them on the letter and also asked the details of how the lender came up the amount for XXXX recapture loans. The representative could not explain the details and kept saying the lender do not have the record of XXXX of recapture loans. Also, she did not let me talk to the person who has better understanding of this. She told me that she will note it on my file and it will take another 14 days for further investigation which I requested almost a month ago. If I do n't receive the payoff letter within 24 hours, I have to postpone the closing or I may lose the buyer. then, I also may lose my down payment of new house. The lender will ruin my life. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: I was notified in an email of a fraud alert on my credit card and was asked to provide some documents to verify my identity. I provided such documents and after 6 weeks noticed that my account was in the same status. I called to determine the nature of the problem and customer service personnel informed me that they needed further proof of my identity. No one had called me or emailed me during this time to say that additional information was needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My parents have been receiving phone calls on an almost daily basis from XXXX, XXXX XXXX XXXX. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that Paypal had requested they start a collection process from me. I contacted Paypal only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a Paypal account. They were made aware of this, but somewhere between Paypal and XXXX the communication was lost.

Company response to consumer: Closed with non-monetary relief