milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I sent a validation letter on XX/XX/XXXX to Santander USA. They were unable to provide proof of validation. On XX/XX/XXXX I called XXXX XXXX which was the creditors that the so called charged off account of 2 or more years was sold to with a balance. How was this possible? I called Santander Consumer USA on XX/XX/XXXX as well and asked the representative and had questions about the carry-on of this debt and how was it validated and how was it sold if it was in question allegedly charged off? She could not provide me with any information of accuracy ( address or phone numbers ) on this account. I was immediately transferred to a supervisor even though I did not ask for one. Once I spoke with the supervisor she also did not provide me with the information either on any of these reporting or findings could be proved. Was in a hurry to get me off the phone when I was asking questions about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with Waypoint Resource Group, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my credit, it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple times from the same company just a few months apart. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX  asking them to investigate. On  XXXX   XXXX    XXXX   and  XXXX   XXXX    XXXX  ,  XXXX  sent me  XXXX  letters back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't true. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.

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 08/16/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I have been XXXX since 2009 and I have tried to refinance with XXXX. The only option offered was to extend the repayment out to XXXX years. Being in a bind that I was behind XXXX months those payments would be rolled over. Within the last few days, Quicken Loans ran an ad I responded and was turned. Reason my Fico Score was XXXX and was told that a score of XXXX was needed. 

Am not sure what other options are available. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with WELLS FARGO & COMPANY (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a certified letter on  XXXX   XXXX  asking  " WF PLL '' to provide ve rification about an inquiry showing up on my  XXXX  Credit report dated as  XXXX / XXXX / XXXX . The company does n't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the    XXXX   tracking system sta ting " Your time was returned to the sender on    XXXX   XXXX   XXXX   at    XXXX   XXXX   in  XXXX , NM  XXXX  because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it 's information that is being reported to the credit agencies or remove the information all together if they ca n't provide accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (RI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have mailed 2 checks to GM Financial and neither has been processed. I have tried to reach them by telephone and email but have not been successful.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (FL).
Issue: Problem with customer service

Complaint: I contacted experian. Concerning XXXX XXXX and my credit report. I informed them of the fraudulent foreclosure or guess my property that usbank file I against me. Without any legal standings. I sent them to pull report along with support and documents. Informing them of the incidents and hardship that would brought upon me and my family. I asked for a credit update in writing to remove us bank from my report yet I were refuse. I first contacted experian XXXX XXXX 2017 about this situation and to date I have n't had anything in writing. 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 non-monetary relief
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NM).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an offer on my Barclaycard Advantage Aviator Red Mastercard in   XXXX   XXXX   which would result in 30,000 bonus American Airlines AAdvantage miles after spending {$2500.00} per month between   XXXX   XXXX   and   XXXX   XXXX  . The offer stated the miles would post to my account 6-8 weeks after my statement closed after the promotional period. It has been more than 8 weeks since then, but the miles have not posted. I contacted Barclaycardus ; however, I was told the credit card company 's records showed I did not sign up for the offer. The attachment show the offer, confirmation of my registration, and confirmation of my spend on the card.

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 12-04-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). 

It 's been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). 

However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my  behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I would like to report this illegal and fraudulent activity by this incompetent mortgage servicing company so proper actions can be taken against them. 

It appears that this company is not managed properly and their harassing activities combined with their incompetence has caused agony and hardship for my family and I. 

Please process this complaint and provide the results as soon as possible. 


Thanks, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: on X/XX/17 at approximately XXXX XXXX, I received a call from XXXX ( from XXXX, AZ ). I did n't answer it and a message was left. The message said " This is a final courtesy call from the Weinberg Mediation Group before reporting that you have been uncooperative in the investigation against you I 'm extending you one last chance to contact our office if we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the parties involved our office number is XXXX when calling please have your file number ready. Thank you. '' I do n't owe any money aside from my credit cards and car lease, which I pay. This man who left the message sounded ominous and scary. He had a threatening tone and I do n't even know what he 's talking about. About 10 minutes prior to the call and the message being left, I received another call from XXXX ( North Dakota ). I 'm assuming both of those calls came from this " Weinberg Group. '' I did n't answer that one either and in that call, a message was not left. I blocked both those numbers and am filing this complaint, but I have a feeling they have plenty more numbers which they can call and harass me from. If they have the information they say they have, they can send me the information through the mail with actual information on it. They are not entitled to a fishing expedition and extortion tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: CFPB, if you do not further review this matter, you will have failed this consumer.     I will have no further recourse but to attempt to escalate this issue to a media level.     By admission via correspondence,  Wells Fargo  has acknowledged that they began to withdrawn the increased payments on  XXXX   XXXX ,   XXXX   when their letter advised that the payment would not be increased until  XXXX   XXXX ,   XXXX  . Why would their letter to consumers state incorrect and misleading information?      Wells Fargo  advised the CFPB and myself that they do not apply funds to principal when a payment is outstanding and are unable to apply partial payments.  Wells Fargo fur ther stated in their correspondence that they began withdrawing FUTURE payments on the recurring withdrawals to avoid delinquency in the future.     By admis sion, Well Fargo has stated that they do not apply principal funds when a payment is outstanding, however they admitted that my payments are future payments. How can Wells Fargo state my payments can not be applied because they partial payment but admit that my payments are future or ahead of schedule? If Wells Fargo  is withdrawing additional principal payments on  XXXX   XXXX ,   XXXX   because I 'm paying  XXXX  's payment, then it is not a partial payment.      Wells Fargo  has been unapologetic with regard to their actions and continues to defend their inaccurate letters to consumers.

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 09/13/2017 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: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Unsolicited issuance of credit card

Complaint: Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Transaction issue

Complaint: unfortunately no one has contacted me, I 'm angry and frustrated with this situation, you really need to do something with this BANK Wells Fargo, almost 3 months of this problem and not call, no one left not knowing me what has happened with my dispute case that I place from XXXX XXXX 2016 I 'm attaching you again the information. 
they just telling me is nothing, only that they waiting for responds!!. and me too I 'm waiting for answers and results!!! 


XXXX XXXX/XXXX/16 XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel

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 03-06-2018 about Mortgage (VA mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: My mortgage has essentially doubled since GreenTree/Ditech purchased it in Mid XX/XX/XXXX. From approx {$1100.00} to approx. {$2000.00}. 
Instead of conducting escrow analysis yearly they have done it XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Without time for my escrow to build, my mortgage payment continues to skyrocket. 
I had an escrow shortage notice of approx $ XXXX. In XX/XX/XXXX, I called to have account noted that I would pay off escrow by mid XX/XX/XXXX. 
I specifically mailed the 3 payments of $ XXXX to the escrow account payment address NOT the mortgage payment address. Why even have seperate addresses? 
However, todate only 1 payment was credited to escrow. 1 is held in unapplied funds. 1 is still unaccounted for. Each payment specified escrow shortage payment. 
After requesting they rerun my escrow on my primary home account so I know my new XX/XX/XXXX payment, it still shows {$2000.00} despite escrow shortage being satisfied. 
On my other mortgage, my request to discontinue escrow was denied based on having a negative escrow which had already been satisfied. 
I was told it was their error and to go online to resubmit. Ironically when I went online that functionally was no longer available. 
Their business practices are dubious and inconsistent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Owen Loan Servicing is reporting a foreclosure and a charge-off XXXX mortgage on my credit reports with varying dates of last activity depending on the credit reporting agency. I contacted Ocwen 's Consumer Ombudsman office requesting payment history on these accounts. The representative was helpful and mailed my request in a prompt manner. The payment history reflected a date of last activity of XXXX, XXXX. I forwarded these documents to XXXX, XXXX, and XXXX upon receipt, yet they advised me that for the corrections to my credit reports to be made that they need Ocwen to forward these documents directly - I certainly understand their requirement due to the possibility of the documents being altered by a XXXX party. At this point, I contacted Ocwen asking that they mail the payment history to all XXXX CRA 's ( which one would think would be a reasonable and simple request ). XXXX, the ombudsmen representative called me on XXXX/XXXX/XXXX stating that they can only send information electronically. I advised her that the electronic information is incorrect, yet she refused to honor my simple request and stated she could not help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX I received a letter in the mail from Arnold Scott Harris, P.C in an attempt to collect a debt I allegedly owe to the Illinois Tollway ( I do not owe this debt ) On XXXX XXXX, my credit card was charged in the amount of {$170.00} by XXXX XXXX, I did not authorize this transaction, I 've never had a conversation with this firm, I did not give them my credit card information, which is alarming because I do not know how they got this information. I called to inquire and she told me to fax my credit card statement to show the transaction and make sure the credit card number is on it so she can investigate ( I of course did not do that )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Shopping for a loan or lease

Complaint: on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: As of XX/XX/XXXX XXXX reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but Equifax is the only reporting agency that refuses to remove it from my account.

Company response to consumer: Closed with explanation