milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I am a consumer! I am a working consumer! My husband and I were desperate to obtain a loan for a car in XX/XX/XXXX... we really needed a car. XXXX XXXX XXXX had all the paperwork ready when we arrived at the dealership and failed to tell us that we were signing for a daily simple interest loan. Santander has picked up the loan and I 've explained to them several times that this loan is a UDAAP issue. It 's unfair, deceptive, and abusive to us. We have paid 43 payments on this loan of {$390.00}. Do n't need XXXX to figure out the total we have already paid for a XX/XX/XXXX that now has 92K miles on it. {$17000.00}!!!!!!!!!!! This is the total of the payments we have made since the beginning of the loan and when we signed the documents, we owed $ XXXX. The car was 4 years old when we purchased it! My husband hurt his XXXX and was off work for over a year and a half. I 'm a wife and mother of XXXX children ... .with REAL life issues. These people ( Santander included ) have ROBBED us. They are telling us we still owe $ XXXX on this vehicle! I 'm disgusted ... .I ca n't hardly sleep at night ... .this type of behavior ought to be OUTLAWED and FORBIDDEN! Santander has been paid over the VALUE of the car ... ... OVER the amount financed ... ..OVER-OVER-OVER!!!!! I 'm ready to take this to the media. We work hard and we are being punished for life circumstances ... .getting a little behind on payments ... .the company has taken advantage of the weaknesses of the PEOPLE!!!!!!!! PLEASE HELP!!!!!! I wo n't let this sleep ... .I will write daily ... .just like the interest they are charging me between payments ... until someone listens!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My original mortgage was with XXXX, I had a modification agreement with them XXXX then changed to XXXX XXXX I then had a modification agreement with them XXXX then transferred my loan to Green Tree. Somehow they did not have my modification and returned my payments. Green Tree stated I had to start the process all over while charging me more fees interest and costs. I do not receive ANY STATEMENTS I have no idea what my mortgage balance is, what fees or costs have been added. I have completed the modification papers atleast XXXX different times to date and they always have some excuse as to why its not processed. I have no idea what the current balance due is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this company XXXX XXXX anything and the collection company keeps sending me request for $ without providing me proof of my transactions or else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I received a charge for {$300.00} on   XXXX     from  XXXX   XXXX  to which was an unauthorized charge. I called chase bank and informed them of this charge. They issued me out a new bank card and tried to recover the funds but was unsuccessful I which is why I 'm filing this dispute to try to recover charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with MORTGAGE INVESTORS CORPORATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home in 2012 through Mortgage Investors Corportaion ( MIC ) XXXX . They stated that we only pay the 2 % APR interest on the current principle balance of the mortgage and in turn pay off the home faster. We were later told that MIC was sued for fraud. We have been getting calls from other mortgage companies to refiance the load to get out of the fraudulent XXXX. What is our next step? What do you suggest? As I am XXXX please contact my husband, XXXX at XXXX XXXXXXXXXXXX, XXXXXXXXXXXX, cell XXXX or myself at XXXXXXXXXXXX or cell XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Not sure of all the dates but I got 1 phone call from United Revenue Corp. saying they were trying to collect a debt. Never heard of them. I asked for written verification. They were very rude and I never received it. Months later it's on my credit report with XXXX. Tried to dispute thru XXXX 3 times. Denied each. Looked into the original creditor, " XXXX XXXX XXXX '', never heard from them either. The amount of {$940.00}. Could not get any backup for this. If I owed it I'll pay it but they have been rude and unwilling to provide docs. My credit reports are clean except for this and, even though it doesn't affect my ability to purchase ( based on the rest of my credit standing ) it's really starting to irritate me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have raised a dispute with Experian for the late payment reported from XXXX XXXX XXXX XXXX is not correct. they are showing some federal reserve has stop payment in my checking account so the card payment was not successful. I contacted my bank XXXX and there is no stop payment. I reviewed the stop payment document federal reserve and the company name is showing XXXX instead of XXXX. this is different company name they are trying to use my checking account. NWFCU credit card is not showing any proof of the stop payment on their company name. I asked them this is different company why its not in your company name and they are not responding, for last 8 months I have very difficult time and they have reported late payment 60 days. the credit bureau I do n't know whether they have the skills to review what company shows is correct they agree on this. this is useless credit bureau and its not all favor to customer. they are supporting only company. They have obsoletely XXXX knowledge or they purposely doing fraud. i request consumefinance.org to take strong action and penalty on them

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 08-07-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (RI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called Debt Recovery Solutions XX/XX/XXXX to request validation of a collection that showed up on all 3 of my credit reports. Debt Recovery Solutions reported on all 3 credit reports that I owe {$160.00}. I 'm requesting that Debt Recovery Solutions remove this collection of my credit. The validation that they provided showed that I had a diagnosis code of XXXX ( XXXX XXXX ) and a 6 digit CPT code XXXX and that I owe {$160.00}. I 'm not sure where they received this information, however my emergency room visit for Date of Service of XX/XX/XXXX was n't XXXX XXXX and I do not owe the amount the stated. I 'm asking that this company remove my collection from my credit report immediately. I reviewed my medical record and billing statement with XXXX hospital which shows that Debt Recovery has somehow managed to provide me with incorrect information after I asked for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX /   2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was an authorized user on a capital one credit card for my husband, I called capital one and asked to be removed as an authorized user and they agreed to do so back in XX/2017 it was never done. I then called again when I still saw the account on my credit report in XX/2017 and was told by agent that she was removing me that I was never removed as an authorized user on the account and that she was going to put in a credit bureau dispute to have the trade line removed from my credit report since it was preventing me from purchasing a home. I called today after filing a dispute with XXXX the only bear au that it is still reporting on and was told that there was nothing that they could do and admitted that it was reporting incorrectly since I had been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Despite numerous disputes with Equifax, they are reporting 2 accounts ( XXXX XXXX XXXX & XXXX ) which are outdated and should have come off my report automatically. I had the same issues with the other 2 credit reporting agencies but they were quick to fix the error. Equifax is an extremely hard company to deal with.They refuse to fix information that is outdated and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX has some how made their way on my credit report reporting false information stating that I owe {$400.00} from XX/XX/XXXX. The prior company was XXXX from XX/XX/XXXX in which I have sent a letter to, to prove and verify that this account is in deed mine and why they feel that it is mine. I gave them 30 days. No respond and no updates. The account was sold to XXXX in which they never have NEVER contacted me but instantly put this fraudly information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: This is a dispute to our CFPB complaint case # XXXX originally submitted XX/XX/XXXX. Response received on XX/XX/XXXX from Bank of America is not satisfactory as the bank is not explaining why the property did not qualify for a line of credit extinguishment under the Department of justice settlement with Bank of America of XX/XX/XXXX. All other properties owned by us qualified with no special request from us. We are not understanding why the Bank of America is collecting from us as the property in question was surrendered under chapter XXXX bankruptcy in XX/XX/XXXX. The bank advised that they will proceed to foreclose the property unless payment in the full balance due is sent to them. The attached letter further explains our dispute with Bank of America.

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 Debt collection (Payday loan) with Bayside Capital Services, LLC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Threatening me with serving of papers. Will not provide me with written validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I AM HAVING TRANSPARENCY ISSUES WITH THIS SERVICER I HAVE BEEN CHARGED LATE FEES AND MORTGAGE LATES REPORTED ON MY CREDIT REPORT WHEN IN FACT I HAVE NEVER BEEN LATE ON THIS LOAN EVEN BEFORE THIS SERVICER TOOK OVER HAD I NOT REQUESTED FOR THEM TO START REPORTED MY LOAD TO THE CREDIT BUREA I WOULD NEVER KNOWN OF THIS ISSUE, AND MY FICO SCORE WOULD HIGHER, THE REAFFIRMATION TOOK PLACE EVEN BEFORE THIS LENDER TOOK OVER AND I HAD REQUESTED IN THE PAST TO HAVE MY LOAN TO BE REPORTED TO NO AVAIL ONLY WHEN I CONTACTED CFPB THINGS STARTED TO COME TO LIGHT I PROBBALLY NOT THE ONLY ONE THIS SERVICER NEEDS AN AUDIT OR SOME FINE THE DETER UNETHICAL BEHAVIOR

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX, XXXX I made a purchase at Victoria secret and the store associate told me that if I sign up for the card I would receive a discount but nowhere did she tell me that the items would be charged on the credit card all this time I thought I paid for it with my debit card and decided to close the account before they could charge me for just having it but then I start receiving calls and I finally picked up in last week of XXXX and that 's when they told me that there was a charge on the credit card from Victoria secret and since I have n't paid it there has been late fees and I told them that there was a mistake because they failed to mention that the items would be charged on the credit card and the customer service refused to help me and since I work at a school and I do n't work summer I have no way of paying it yet but when I called again to see if I can dispute it the guy says why do n't I get a job and asking me how do I pay my other bills, they need to be fired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Other financial service (Debt settlement) with Equitable Acceptance Corporation (PA).
Issue: Fraud or scam

Complaint: I was told that I pay them a certain amount and my student loan would be forgiven, was contacted by XXXX and they stated that, not true never heard of the company and i been paying them sine XX/XX/XXXX, monthly since. And nothing has been paid towards the loan. Also that a student loan is never forgiven, so I been paying them, thinking it would be paid off, tried calling have to leave MSG for someone to call back. The company name is Equitable Acceptance Corporation, XXXX, MN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT )

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: When I applied for a home mortgage refinance loan in XXXX XXXX, the closing attorney found a judgment against my property. The judgment is not against me, but against XXXX XXXX XXXX, my ex-husband, and against my property, property that I purchased from him in XXXX. The judgment was also filed in XXXX. The debt collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Virginia XXXX, VA XXXX. The debt is to Capital One Bank ( I assume it is a credit that XXXX XXXX XXXX had ). I made call after call to XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX with no success ( her number is XXXX ). I have also made a number of calls to XXXX at XXXX, ext. XXXX and have not been able to accomplish much toward resolving this problem. 

Bottom line : The default judgment is entered against my property, but not against me. 
The default judgment is against my ex-husband XXXX XXXX XXXX. 
I can not finish my home mortgage refinance application until the judgment is lifted. 
A decision was announced today that the Fed is going to raise interest rates by one fourth of a point which will cost me money for years to come because of the incompetence and lack of concern on the part of XXXX XXXX XXXX through no fault of my own. 
On XXXX XXXX, XXXX, I made payment in full of {$2200.00} to XXXX XXXX XXXX to pay off the debt, and get the judgment released so my banker and attorney could continue with my mortgage refinance. I made this payment using my debit card, and XXXX told me a printed receipt would be mailed to me the following day. After 2 weeks, and numerous follow up calls by me, XXXX XXXX XXXX finally sent sent me a printed receipt showing I made the payment. 
XXXX told me the judgment should be released within 30 days. 
XXXX XXXX XXXX, the attorney at XXXX XXXX XXXX, told me on XXXX XXXX I should not have to pay a debt I did n't owe, and she was going to see what she needed to do to correct it. 
It is almost impossible to get any information from XXXX XXXX XXXX, even though I am not at fault here, in any way, shape, or form. 
There is no public record in the XXXX XXXX, NC court system that the judgment was ever against me. The judgment is clearly against my ex-husband, and has been erroneously entered and is affecting me financially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone stole wallet and was charged back amounts by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company called XXXX XXXX COLLECTING A ON XXXX DEBT IS NOT MINE. This company just reported on my credit file. I am disputing and want this mistake removed ASAP. How does the credit agencies let this happen to consumers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a Home Affordable Mortgage Program ( HAMP ) with Nationstar several months ago and have continued to make payments on my mortgage however Nationstar has delayed addressing my HAMP application and continually requests documentation that is not relevant to process my application. I wrote Nationstart long before I had a problem making payments on my mortgage after I lost my job and warned them that I would have problems due to a loss of income. I have provided documentation requested in the HAMP application process and have repeatedly followed up to request the status of my application however I have not gotten a response on the status other than requests for information that is unrelated for approval. I have looked on my account and no longer see the documentation that I submitted through there online application process but have emails with the documentation that I provided. I feel like Nationstar is giving me the run around because I have a huge amount of equity in my house and would rather take the home in foreclosure if I ca n't pay as opposed to processing my HAMP application and taking a reduced mortgage payment. I have owned the home for 13 years and have never had a problem making payments until now. I only ask for fairness and due process for my HAMP application. Lastly, I have put my home on the market, as of XXXX 2015 and expect to receive a reasonable sale price if given the time. My home is quite expensive, especially in the Rhode Island market, and will take some time to sell but the HAMP program will allow me to make payments until the home is sold.

Company response to consumer: Closed