milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: To CFPB, I 'm writing this letter to find out how I can get my money back from a business checking account with Santander in MA. My checking account was closed without reason on XXXX XXXX 2016 and without any notification thru mail, email or telephone prior to that closure. In addition, I tried to called Business Customer department XXXX, who are unable to provide any answers except that the account was closed and that I should visit a branch to find out more info. 

I did visit the Santander branch on XXXX XXXX XXXX in XXXX MA, where I spoke with the Branch Manager named XXXX XXXX. However, after he spent some time investigating what happened to my account, he was unable to provide an answer only except that he saw a note saying that the Santander Compliance Department had closed the account and that it was n't a case of fraud. Thus no official complaint was logged and he was unable to provide further assistance. His email is XXXXXXXXXXXX, XXXX, XXXX ID XXXX. 

Thus I am writing this complaint letter to CFPB as a request to look into why my accounts were closed without notice as required by state and federal law. Second, I request that Santander returned {$5300.00} from # XXXX and {$55.00} from # XXXX as soon as possible as I need those funds for my business. 

Thus, please provide a response to my above requests and provide a check for the amounts requested which was unjustly taken from my account. If the Compliance Department did not close my account, then I would like to register a case of fraud that my account was cleaned out not by me as I was n't at the branch on that day XXXX/XXXX/2016. I have attached a copy of the bank statements in question for your reference. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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: Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage Servicing Predatory PracticesSee XXXX reviews for issues similar to mine XXXX mortgage was transferred to Seneca and has never been in default. 

XXXX withheld {$0.00} for my county taxes and now has raised my mortgage payment by over {$500.00} to cover their self-created shortfall of {$3700.00}. Seneca is also withholding insurance in escrow but is not paying the insurance, which I just paid in full yesterday XXXX {$1000.00} XXXX to protect myself from Seneca. 

I am able to afford this increase but I am deeply concerned after reading those XXXX reviews that other people might not be so lucky and might lose their homes to this pattern of predatory mortgage servicing. 

Since I am not in default, I do n't think that there is any relief for me personally to be had but I wanted to bring Seneca to your attention before they do any further harm to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Southern Credit Recovery, Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have several different inquires that I applied for that called for running my credit report. Which is all under hard inquires under my report. I don't mean just a few, I mean some 10 different inquires. Also, some that are absolutely false. That I know for a fact didn't inquire about. Also there's a few address under my name that I have never lived at. Then a couple reports with my fathers name on the report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with AmeriCollect (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From Equifax report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Other mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with XXXX XXXX in which I received a loan modification. The mortgage servicer is Seterus. In XXXX I filed for bankruptcy in court with my lawyer. 
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I have also filed a complaint with XXXX XXXX on the mortgage servicer ( Seterus ) handling of this issue. The lawyer said he never saw any papers take that long or any company not respond they way they have. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, GA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with Rocky Mountain Recovery Group (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Phone calls not even sure what this debt is, keeps calling former spouse.

Company response to consumer: Untimely response
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: for years i have been trying to get a lower payment or try to find some solution to help bring my mortgage back current with the mortgagee without having to pay all the past due amount in one payment. being in and out of work it is illogical that i have that type of money laying around the house. Loan care has had me in endless reviews and never giving me a solution. they have been not willingly and viciously denying me for any assistance and have scheduled an auction sale date an abundant amount of times. i have explained the financial difficulties both medically and financially and they are not willing to help me at all. i am about to lose my home in which i am not happy about. loancare is going to leave me and my family homeless. everytime i am asked to send in a package they are required to have in order to review my case they always asked for endless information and information that has been sent to them numerous amount of times. they always close out my case and deny me due to never recieving the documents on time. when they have it in their records that they have been received. i need help from authority at this point to help me save my home and help me get the correct assistance i need from my lender. they ignore middle class & minorities like myself and my family. it is not fair i have to go through this when all i am asking for is help. i am not purposley missing or failing to make the promised mortgage payments. i simply was not able to at the time. my husband and myself are now employed and are able to keep up with the mortgage but we need help to come to some sort of agreement with Loancare for an affordable payment. they know as i have been providing them endless information that when the loan was acquired i was in my first marriage which failed and lost that source of income. shortly after i lost my employment. however since then i have been asking Loan care to help me and they just do not like minorities and are not willing to help in any way. i am remarried and again both have steady income. i just need the consistent help of Loancare as i have consistently been asking them to help me. please I NEED HELP TO KEEP AND SAVE MY HOME.

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 06/20/2016 about Consumer Loan (Vehicle lease) with VW Credit (PA).
Issue: Managing the loan or lease

Complaint: I discovered that Volkswagen credit reported a 30 day delinquency on my credit report. I disputed it, and XXXX claims they verified the delinquency. 
I then contacted VW and they assured me the reporting was in error and would be removed. 
I notified the credit bureaus, who refused to remove the delinquency, despite the fact I saved the voicemail from the manager at VW verifying the delinquency was being removed. 
I contacted VW and obtained an email AND a written letter verifying the delinquency was being reported incorrectly and would be removed. 
I mailed a copy of the email and the formal correspondence from VW to each credit reporting agency. They refuse to remove the delinquency because they previously investigated the matter, DESPITE THE FACT I HAVE WRITTEN CORRESPONDENCE FROM THE LENDER INDICATING THE DELINQUENCY SHOULD BE REMOVED. 
If this is not resolved, I will be forced to proceed with legal action against the credit reports. I seek to have this matter resolved without undue delay and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MO).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On today 's date XX/XX/XXXX, I called my credit card company to see why my card was being declined every time I used it. They advised me they input my address wrong and when they issued me a new card, NOT at my request, they sent the card to an undeliverable address. So the card was sent back and they deactivated the card I currently hold in my possession. When I asked them to reactivate the card I have they told me they could not and that I would have to wait 7-10 business days to receive the new card that I NEVER asked for. The card I currently hold does not expire until XX/XX/XXXX. I asked to speak to a supervisor regarding this. After speaking to the supervisor, whose name I regrettably did not ask for, I requested to speak to her supervisor. While waiting for that supervisor they disconnected the line on 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 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Integrity Solution Services, Inc. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My husband and I relocated to XXXX from XXXX in 2013. We lived in an apartment while we were house hunting. Our apartment lease was up in XXXX 2013 and we signed a home lease to begin XXXX 2013. We moved out of our apartment XX/XX/XXXX and returned our XXXX XXXX 'box ' to the local center. We both walked in and handed it to the XXXX XXXX employee. We asked if there was anything else we needed to do to cancel services, and he said, " Nope, you are good. '' We forwarded our address to our new home, and almost two years later, my husband received a call from a debt collector stating that we owed {$100.00} because the box was never returned ( we canceled our service and switched to XXXX when we moved ) -- and accused us of " stealing '' the box. He argued with the debt collector and insisted we had done this, but since the debt was so low, he agreed to pay the {$100.00} immediately because we are looking to buy a home and have been aggressively protecting our credit. We are now going through the loan process to buy a home, and our banker said that the XXXX XXXX credit hit knocked our score down XXXX points and we will not qualify for our home loan. Our banker has encouraged us to go back to XXXX XXXX and argue this " debt '' ( which we paid the first time we received a phone call ). After talking to XXXX customer service agents yesterday, they have " no record '' of our account and can not help us. It seems absurd to me that a company can literally ruin a family 's credit without any proof of our wrongdoing. Again, the " debt '' was {$100.00} and we would have paid six times that amount to keep our credit history in tact. Now, we are faced with not being able to buy a home for our family of XXXX. Please advise. This should be illegal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information which has led to a massive data breach, that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I have received no email, letter, or phone call and instead had to discover it via social media. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX in XXXX 2015 while living in XXXX XXXX, Iowa in preparation for a year-long XXXX trip to XXXX. I left the country in XXXX 2015 and do not have any reliable way of receiving forwarded mail in XXXX. XXXX, medical bill for a small amount was not accounted for ( {$140.00} ), and this was turned over to XXXX XXXX XXXX , XXXX of XXXX XXXX, Indiana. While I changed my USA address with my former employer ( XXXX XXXX ), insurance company, and the medical providers I was currently receiving bills from, the bill collection agency ( XXXX XXXX XXXX ) tracked my new address down, but the small bill 's medical provider did not and thus I did not know of this bill until the collection agency had already filed a derogatory credit item against me. This balance was immediately taken care of and the derogatory removed from my credit report, but the XXXX point hit my credit score took has not been reversed. 
I would like this collection report removed from all of my credit reports since it was the result of a 2 month later billing and a lack of due diligence on the part of the medical provider.

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 09-06-2016 about Debt collection (Payday loan) with AAA Auto Title Loans, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Saturday, XX/XX/2016 Cash1 called me and did not leave a message at XXXX from phone # XXXX. They did not leave a message. They called me again on XX/XX/2016 at XXXX from XXXX and I told them I had left my brother 's funeral and that it was not the right time to talk. They then called me again on XX/XX/2016 at XXXX from XXXX. I am not sure why they keep calling asking for a payment, especially when the cash1 collections dept, took two payments on XX/XX/2016. I have asked them to stop calling all day and they insist on calling me mutiple times a day, from the XXXX phone numbers mentioned aboved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Chase has refused to grant any forbearance for disaster victims in Florida. I am single parent and XXXX with a {$5600.00} deductible. My home suffered severe roof, garage and water damage during XXXX on XX/XX/2016. FEMA has not provided any assistance to me, other than to offer a loan I ca n't repay or qualify for. XXXX, services my loans and stated Chase was not willing to assist with a 6 month disaster forebearance. I dont ' understand how you are n't concerned with those in dire need but only with making money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where   XXXX    XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to  American  consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!

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 05-03-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.

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