milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXXI purchased a XXXX XXXX from XXXX XXXX in which Santander financed ... I made payments of {$300.00} each month thereafter ... XXXX XXXX I traded the XXXX XXXX for a new XXXX XXXX ... a few days afterwards I received a XXXX from Santander. I was confused as to why I was receiving this so I contacted Santander. I was referred to several departments and after finally talking to someone I was told they would have to research it and get back with me in 7 days ... .after 7 days I never heard from anyone so I contacted Santander again only to be told that it was an issue that needed to be handled by the IRS ???? I feel like I am being given the run around ... .according to the XXXX the event took place XXXX/XXXX/XXXX for XXXX ... the only thing happened in XXXX was my normal monthly car payment. I feel like Santander submitting false information to cover their company. The VIN listed ( XXXX ) is referencing a car different from the car I financed with Santander ( XXXX ) is the VIN for the car I have been making monthly payments on for the last year ... I ca n't understand why I am penalized for making payments. I am a victim of fraud. I really believe this company should be investigated to see if they have been giving others XXXX to cover their financials.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: Dear support, my wallet and account are disabled for sell and by operations. After I received on XXXX XXXX the deposit from coinbase, the same wallet has been disabled in all operations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (HI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.

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 11/17/2017 about Debt collection (Other debt) with Eastern Account Systems of Connecticut, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX says I owe them {$40.00}. I cancelled their service within 30 days pursuant to there satisfaction guarantee which states that I will owe nothing. I also was told that I owe nothing when I turned in their equipment at their store location in XXXX, MI. They have sent the false debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CT. I have notified them in writing months ago that I do not owe the debt and demanded proof that I do. They have sent me no proof that I do. Now they are calling several times a day trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Trouble during payment process

Complaint: On X/XX/17 at XXXX I called Santander Banks mortgage service number at XXXX. I was trying to find out how to begin making bi weekly mortgage payments. The back of my statement states " Any additional funds will be applied to the principal if the loan is current ''. I did not want my payment of XXXX to be applied to principal. Instead I wanted it to be posted as a regular payment and then the other half in the amount of XXXX to be paid on XXXX would make up my full XXXX payment. <P/>I was told that Santander Bank does not accept bi weekly payments. I find it unacceptable that I can not pay the money I owe in a way that reduces the principal of my loan more quickly and will therefore reduce the amount of interest I have to pay and reduce the term of my loan. <P/>Bi Weekly payments seem like a common and pretty basic thing that should be available.

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 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted experian, but they refuse to help me. I have a XXXX home loan on my credit that belongs to a family member. That same family members personal information ( name, address ) is also listed on my credit report, as well as their paid off car loan, and some past due bills. This is something that is stopping me from bettering my credit, and buying my own home. I do n't understand how it is legal for experian to put incorrect information on someone 's credit report and on top of that refuse to fix the situation! And something as big as a home loan should be taken extremely seriously when it 's placed on the wrong person credit, but experian does n't not care, they think that the name is close enough so they put it on your credit, or the social security number is ALMOST correct so they put it on the person 's credit. This is ridiculous and should be unacceptable! I want it fixed!

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 11/30/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: I was scammed on the internet by a skin care company, intending to order " free samples '' with a shipping fee. They sent XXXX products and charged my credit card nealy {$200.00}. When I realized that, I immediately returned the products unopened and unused with tracking numbers, etc as directed with all the appropriate numbers that the company required.. I disputed the charge with ATT Visa and they issued temporary credit to my account. Then they removed about half of the credit, believing the response from the disreputable company in spite of my furnishing them with documents proving that I had returned everything that I had received. I ended up paying ove {$100.00} for nothing due to the scamming by the disreputable beauty care company and ATT Visa 's poor handling of my dispute, I had been with ATT Visa for 23 years and had never filed any disputes. I have subsequently closed my account.

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 07/27/2016 about Payday loan () with Big Picture Loans, LLC (NE).
Issue: Can't stop charges to bank account

Complaint: I had gotten a payday loan thru castle payday loans they charged and debited my account for more than what was agreed and now some guy from XXXX Named XXXX XXXX XXXX XXXX XXXX is calling people and saying i gave their information as a contact person and i never did. He has constantly called them several times after i have told him they are not related to me nor did i ever put them down as a contact form. Their names are XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have called and talked to the manager and told him this guy had been harassing these people and he said he would take care of it and hasnt. He calls them at least XXXX4 times per day and they have as well asked him to stop calling and he continues to call

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I believe Wells Fargo has used predatory practices concerning my XXXX. I acquired this loan XX/XX/XXXX I was not told by Wells Fargo that the second mortgage I acquired would be XXXX % rate at the time of purchase and I ca n't find any supporting documentations associated with this loan embedded in my loan document. 

My loan has been sold several times and they cant find the trail of my original document. The outstanding balance is XXXX due XX/XX/XXXX. I will not be able to pay this amount and risk loosing my home. I have been in contact with Wells Fargo several times since to help me resolve this problem and ask for help. I contacted XXXX in XX/XX/XXXX and they helped me contact Well Fargo. This was the first time I got an expedient response and I was told my application was declined due to my Loan to Debit Ratio. 

I am currently upside down on my home and the value has plummeted. I tried the Obama option, but was told again that my Debit to Ratio is too high. I was told that if I was not currently in debit they ca n't help. When I asked Wells Fargo again about my options, I was told I had to wait to closer when the loan matured. I was concerned that this would not be the best decision. I was told my only option would be a Home Line Of Credit at XXXX % interest pending an application.. 
I would like to roll the remaining balance into my first mortgage. 
I 'm currently afraid of loosing my home. 

Can you help in resolving this matter or have any advice? Thank-You for taking the time to read this correspondence.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I contacted Transunion on XX/XX/XXXX and they would not remove the inquiries. I am requesting that the reinserted inquiries be permanently removed from my credit report. Here are the following inquiries that were deleted and reinserted : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX   XXXX   XXXX   called my home number ( when I am on the do not call list ) and promised to sell my patents on the   XXXX   XXXX  . They promised to do unrealistic things. At first I was very emotional since my daughter was murdered and they took advantage of my grief and emotional state. I reallized I was scammed so I went on line to down load the complaints against them and immediately called them back saying my daughter would turn over in her grave if I had anything to do with a scam company such as them. I cancelled everything within  24 hou rs. I also called my credit card company  Chase Credit card services, telling them not to accept anything from   XXXX   XXXX   XXXX  .I  followed it up with a lette r to Chase and included all the dozens of scam complaints that I found on line.  I was told ok everything was fine. Soon after that  Chase bega n to come after me for {$18000.00} for a scam. No work was ever preformed, no meeting was done, no movies were taken nothing what so ever was done.  Chase  Credit card services just wants my money. they said they will ruin my credit if I do not pay. I called them up but the do not listen. they are just coming after me for the scam money where no product was delivered no work was done just a scam.   XXXX   XXXX   XXXX   never contacted me. They undertsood I fired them and do not want to deal with them Why is  Chase c oming after me after i reported the scam? I need some help I  am XXXX  yea rs old and it is elder abuse. They think I will scare and pay them. I do not have retirement. I only get social security. I am still working since I need to eat. Please call em   XXXX   XXXX   a law suit will cost me more money than the entire ballance they claim I owe that is why they are doing it. they need to be ponished.  Chase out to  be a shamed of themselves to be abusing an old lady like me. My name is   XXXX   XXXX   My address is   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   e m ail  XXXX  XXXX  XXXX  thank you for your help my cell is   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Delinquent account

Complaint: Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.

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 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report a settled XXXX XXXX XXXX account to my credit report even though the FCRA 7 year reporting rule has expired. My records show that the last payment on this account was prior to XXXX XXXX and in fact, the account was charged off by XXXX XXXX XXXX prior to XXXX XXXX and settled with a third party collector in XXXX XXXX ( see attached settlement offer letter ). Typical time of delinquency prior to charge off is 6 months, clearly indicating that the date of first delinquency was in or prior to XXXX XXXX and that the 7 year reporting rule has expired. XXXX and XXXX have both dropped the account from their reporting, but Experian continues to report it with serious impact ( XXXX points ) to my FICO scores.

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 03/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan is being serviced by FedLoan Servicing. I have timely ensured that all deferment requests were submitted on time, however FedLoan servicing has indicated that I have XXXX accounts late by more than 180 days. I have taken out only XXXX student loans Subsidized and Un-Subsidized, they have taken the account and assigned XXXX account number but listing them on my credit report as XXXX separate accounts as if I have had separate loans. This is not accurate and is impacting my consumer credit report negatively. I have made several attempts in having them correct the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other fee

Complaint: I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in 2014. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, Wakefield Associates,  continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.

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 02/27/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I requested validation from XXXX XXXX as I have a right to do so under the FCRA. Three letters have been sent as required for VALIDATION not verification. The debt amount showing on my report {$420.00} was removed between XX/XX/XXXX-XX/XX/XXXX but was reinstated without a 5 day written notice which is also violation of my consumer rights. I have not received the original contract showing my signature. This needs to be removed immediately from all 3 credit bureaus. A bill is not VALIDATION.

Company response to consumer: Closed with explanation