milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I 've had a car loan with Santander since XXXX XXXX. I stopped receiving statements around XXXX, but continued making payments above my monthly requirement. 
In XXXX I called to inquire about statements and what the balance on my loan was. They informed me that I was some {$1100.00} ahead of payments and the value of my payoff. They could not explain the lack of statements. 
I tried to get back into the pre-planned payment schedule but without statements, I was guessing. 
I made a payment on XXXX XXXX XXXX for {$250.00} and went about life. On XXXX XXXX I received a pre-paid debit card from Santander for {$250.00} for " overpayment '' on my car loan. I immediately reached out to them, but it was difficult to understand what was going on as all my information had been purged after my loan was " sold ''. 
I asked why it had been sold, and why I was not informed. Their response was crude and said that they did not need to inform the borrower. I asked if my payments had fallen behind and if such, why did they not advise me via some correspondence ( they have my email, because they contacted me after the call to make sure I was satisfied with my phone call ). They again said that they did not have to notify the borrower of anything and that most likely I fell behind and that 's why they sold the loan. They recommended I take it up with the company that bought the loan. I, obviously felt that it was ridiculous to complain to the new lender, since my issue was with Santander ; but it fell in deaf ears. They did volunteer that the loan had been sold on XXXX XXXX. 
They provided me the contact to XXXX XXXX. I contacted XXXX the following day. XXXX had no knowledge of who I or my wife were, nor did they have a record of my past loan with Santander. 
I called Santander back the next day. They insisted that my loan was now with XXXX. After much insistence they said they 'd research and that I should call back the next day. 
As requested, I called Santander, and once more they insisted that I try XXXX. After requesting to talk to a supervisor, they arrived at a new name. Now I should call XXXX. At this point I had very little confidence in the process that had been followed. XXXX recognized my loan, but told me that they were XXXX XXXX. Nevertheless, they could not offer me any information and requested I contact XXXX, who would be servicing my loan. 
I have reached XXXX and requested that they send me some information about my loan. I am worried that without proper paperwork, I may be making payments into a black-hole. 
How can Santander not provide me with any feedback of the status of my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: I did not authorize any car dealership to do a hard pull from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NJ).
Issue: Trouble during payment process

Complaint: Statebridge has the worst customer service. An employee from Statebridge called me on Sat, XXXX XXXX, 2017. She said she was calling me to inform me that my HOA ( Homeowner 's Association ) billed them {$980.00}, and that they paid the bill. She told me I will be needed to repay them. I asked " What are you talking about?? '' Why would they bill you? What was it for? '' She said she did n't have that information. I said well get someone who does. She said she could n't do that, and that I would have to get the info from my HOA. I told her that this was a ridiculous phone call! I have had nothing but issues with Statebridge since they acquired my mortgage from XXXX, and that I ca n't wait to get refinance with another company!! So I contacted the President of my board. She contacted the Management Company. They do n't know what my mortgage company is talking about!! I called Statebridge on XXXX XXXX, spoke to XXXX. He listened to my issue and said he would call me back once he spoke to the woman who " knew about this issue ''. That was yesterday, I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company XXXX, XXXX XXXX was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, Midland was included on the bankruptcy petition, and notified. XXXX XXXX XXXX was also notified of this action. The bankruptcy was discharged on  XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt and what do I do? The clerks office told me to contact XXXX XXXX XXXX XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ XXXX XXXX XXXX. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Lease trader which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: For over a year I have tried to work with XXXX XXXX/Navient to take care of my student loans. I am unable to pay the exorbitant amount for my students loans. I 've filed paperwork to try and pay interest only, I 've used all forbearance, and do not plan on going back to school to further my loan debt. They refuse to help me out, even after multiple financial statements the most they could lower my bill is {$10.00} when my payments total {$450.00}. After my most recent attempt they have called no less than 7 times a day, this go around it 's been the last 5 days and counting. I 've answered the phone and asked them to stop continuing to call when I 'm trying to take care of my bill but they refuse to help. I 've tried to consolidate my loans to get away from them and they are n't able to be consolidated due to the type of loan ( from my understanding ). I 'm tired of the stress of constant calls and not being able to fully pay my bill but I am trying to make some sort of arrangements that they are not willing to accept. This is entirely unacceptable and I should be able to have options to pay my loans back without defaulting, since I am willing to pay something! I have a friend who is having the same issues and they told her since her credit cards are n't maxed out she can pay her bill?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax wrongfully accepted an inaccurate claim submitted by a collection agency, XXXX XXXX XXXX, XX/XX/XXXX. The claim contains incorrect information which was reported to both Equifax and to XXXX. They ignore my repeated attempts to correct this matter. 
I contacted Equifax on : XX/XX/XXXX ( XXXX - supervisor ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX -hung up on me ) then ( XXXX-was abusive ) then XXXX in Nevada . He said my only option is to call XXXX to have them send a retraction on claim. He didnt care when I told him XXXX would not talk with me. 
Filed a verbal dispute with Equifax on XX/XX/XXXX against XXXX. The details I gave the person at Equifax regarding the dispute were not the same as what was listed in the dispute report. Instead of using my dispute claim of " incorrect information " on the claim, the Equifax person submitted dispute for 'verification only. ' Furthermore, this was incorrectly submitted to the wrong party ' XXXX XXXX ' who, no longer has any ownership in this matter. 
This was resulted in not addressing any of the factual information I had provided and gave a response that did not address the issue. 
All this was confirmed by a XXXX XXXX supervisor at Equifax on XX/XX/XXXX when I called in for an update on my dispute. I resubmitted the verbal dispute with XXXX XXXX to include all the factual information and, to be submitted to XXXX. 
XXXX did not address anything in the dispute and only gave the same meaningless reply of : " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. 
Equifax is not making any effort to ensure the information reported on their reports is accurate. They admit they do n't care about their policy of allowing invalid negative information being used against account holders and, that they publicly post bogus inaccurate & damaging information to which its your burden to prove yourself innocent! 
This is a scam when they now ignore you and, refuse to even address the facts that were provided in the dispute. This is proven by their 'dispute results ' not mentioning anything about their claim : using incorrect XXXX codes and, my signed admission documents stating no charges can be made on procedures that are n't 'pre-approved ' by me and, no procedures were pre-approved. XXXX has these documents which were provided to them when taking ownership of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my deceased mother 's home. Financial freedom sent a pay off that was XXXX more than what was owed. The closing was 5 months ago and the estate is now closed. Financial freedom is now returning the stolen money but the check is written in the name of the closed estate. They are refusing to reissue the check jointly in my name XXXX XXXX and the name of the estate thereby forcing me to have to spend time and money to reopen the estate all because they were trying to steal and could not. I authorize you to publish this so the public can see how awful these thieves are.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: In XXXX, I purchased a car with a loan from XXXX for XXXX. I have made consistent payment for last 5 years and my balance is still the same.I will never have this car paid off at the rate. Please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: Ocwen was the loan servicer of my loan. Ocwen then sold it to  XXXX   XXXX , who gave me a trial payment plan. I went to the lawyers who represented Ocwen, but they will not cancel the eviction scheduled on my home, even though they no longer own it, and I am in a trial payment plan. They have extended the order of possession, even though Ocwen is no longer the owner of my loan.

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 Io, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.

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 08/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I 'm trying to use a payday app,   XXXX   XXXX  , and it is showing that I have a negative balance when I just got paid. It says that my bank, State Employees Credit Union, is not sending my information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Medical) with Professional Recovery Management (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I received medical services from XXXX XXXX. On XX/XX/XXXX, I paid the debt via my XXXX credit card ( see endoscopic XXXX ). 

On or around XX/XX/XXXX I was contacted from the billing office stating that they had not received payment ( although it was made via credit card on XX/XX/XXXX ). 

Since that time I have contact my credit card company ( XXXX ) and supplied XXXX XXXX with copies of the relevant statements, including authorization numbers, claim number, etc. to no avail. 

On or about XX/XX/XXXX, the bill was turned over to Fox Collections. I have spoken with XXXX Fox representatives and supplied them with the relevant information and they have chosen to contact TransUnion and issue a non payment derogatory remark on my credit report. 

Fox collections contends that the provider was not paid because there is a 'denied amount ' indication on MY XXXX statement ( XXXX XXXX ), when in fact this denial was NOT denial of the charge to the provider, but a denial of my XXXX claim which I was required to satisfy myself with XXXX. In fact, if this was a denial to the provider, they would be able to provide some documentation they were not paid or that the transaction was rejected, but the proof has never been provided, yet I have continued to provide the full transaction detail ( XXXX ) as proof the provider was paid on XX/XX/XXXX. 

As proof of payment, I have provided : The " endoscopic anesthesia.txt '' document outlining all the transaction details including the EXACT date, time and authorization number of the payment ( provided by payflex credit card company ). 

The " XXXX '' document which is MY copy of the original XXXX statement showing the XXXX transaction. 

The " Fox Collections.pdf '' document is a copy of the collections agency letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  XXXX   XXXX   XXXX  on the dates of  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no response.   Calls were also made in  XXXX  of  XXXX  but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When I got a new home phone number the call started.they are looking for the former owner of the phone number.I explained this to them a number of times, but it has not stopped.in fact they have increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XX/XX/2016 ''. It is now XX/XX/2016, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.

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 06/27/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: to much to tell bottom line I gave my ex wife marital home threw divorse XXXX years later I filed bankruptcy my ex let the home go back to bank they hurrase me with filing loss with my old homeowners ins in my name documents keep coming a lot more need help and to file a federal suite against bac home loans

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (KY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an Everyday Checking Account with Wells Fargo on   XXXX     XXXX , 2017 ( with an opening deposit of {$50.00} ). I did so with the promise that were I to meet certain conditions I would receive a bonus of {$250.00} ( see attached documents ). The conditions were that I direct-deposit more than {$500.00} into the account and that I make more than 10 purchases with my WF debit card -- -both actions to be taken within 60 days of account opening. As can be seen from the attached statements, I indeed fulfilled the requirements within 60 days of my application. Given my performance of the terms of the agreement under which I opened the account, I should have received a bonus of {$250.00} well before the date of this complaint (  XXXX - XXXX -2017 ). Lamentably, I have thus far received no bonus.

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 05-05-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.

Company response to consumer: Closed with explanation