milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In  XX/XX/XXXX , I was approved for a  Car Loan wi th  Santander  Bank. Started making the payments and received statements copies on my mailing address every month. Payments were set up as Auto Pay so the loan was paid automatically from my checking account on the  XXXX  of every month. This loan was open and in good standing for 1 year and 4 months, no late payments at all. Santander has n't report any of my payments and account closed to all credit bureau and this is affecting my credit as I tried to refinance my card with another bank and they were not able to find this information to give me a better APR. I 've been contacting  Santander  since  XX/XX/XXXX  for this information to be added to the credit report and they promise to do so. The excuse they gave me every time I followed up on this was that my last name was too long. I explained to them that I have business, loans and credit card with a tota l of 7 banks a nd they all report to my credit bureau with the same long last name. Today,  XX/XX/XXXX  they still do n't report anything and the last time I called which was 3 days ago, they told me that they can not report this information anymore because the account has been closed for over 60 days. I made a total  of 7 calls to get this  corrected and never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our XXXX home on XX/XX/2016 our lender was Vanderbilt Mortgage. Today is XX/XX/2016 and they just notified me today that we need to send a letter to the XXXX XXXX homeowners insurance to cancel the insurance because it renewed during the payoff. So they will not release the title until that is done. Ok fine but it has already been past the 10 days that the law states they have to release the XXXX once they received their money ( XXXX ). We have people waiting for their title. The check to XXXX cleared the title companies bank on XX/XX/2016. We never even wanted this home owners insurance company but we were told we had to go with this XXXX, the same with the Lender we were told Vanderbilt mortgage was the only mortgage company that approved us. Well now I realize why, XXXX owns all of the companies they are all part of XXXX. This was a XXXX guess who owns XXXX XXXX Seems quite illegal to me. This company has seemed shady from day XXXX but when you need a house in XX/XX/XXXX you tend to overlook things until it is too late. there were many things not done right during this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Experian is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my credit report.

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 11/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX used to call me about phone service I 've never had. I have been with XXXX since XXXX and still am. The account on my credit report says that the XXXX account was opened XXXX XXXX which is n't true because I 've always been with 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 10/18/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MI).
Issue: Trouble during payment process

Complaint: I started to refinance my mortgage on XXXX/XXXX/XXXX and are one condition away from closing my loan. However, my bank and I are being denied a payoff from my current servicer. 

My new bank and I have been asking for the payoff for approximately over one month. The past two weeks ( XXXX to XXXX XXXX, we have been calling every other day to get the status of the payoff request and keep getting the " run-around ''. No one seems to be able to resolve the issue or provide CLEAR reasoning why I ca n't obtain a payoff. " it has something to do with my discharged chapter XXXX bankruptcy '', they keep telling me. I was discharged from ChapteXXXX XXXX BK in XXXX, XXXX and this servicer has still been unable to provide a payoff. I have made all my payments on time in the last 24 months and the payment history has been verified with a data agency. 

At one point, in XXXX, XXXX, I was told everything was fine. Later that week, I was notified the information given to me initially, was incorrect. Furthermore, my new bank has been able to update my mortgage and report the current balance on my credit report ... yet ... the servicer will not provide a payoff!?!?! 

I am extremely frustrated with this servicer and from what I have learned/researched, it is illegal to deny a customer a loan payoff. Please help!

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 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Newman, Hesse & Associates, P. A. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I supposedly wrote a bad check at a grocery store for my guess is around 100 $ in the year 1999. The garnishment order states that XXXX grocery has a garnishment order against me represented by debt collectors Newman and Hesse in XXXX Ks in the amount of XXXX, XXXX $ I was never informed or given anything to contest this issue. I think the garnishment order is way outrageous and I was n't given notice of any sort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Deposits and withdrawals

Complaint: # CitizensBank is stealing money from customers. {$2200.00} went missing from my account without any trace of the money. I posted this topic early on XXXX and it has happened to a few people. People are sharing my incident & will be closing their bank accounts. The people from Citizens Bank were very rude, and none helpful. Citizens Bank will be the next XXXX XXXX.

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

Complaint: Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 
2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 
3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 
4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XX/XX/XXXX : called Toyota to do a voluntary repossession since I could no longer make payments due to losing my job. They had the repo man to set up and time and place that afternoon to meet to pick up the vehicle. When he picked it up he just asked for the keys and that 's all. 

XX/XX/XXXX : they posted on my credit report stating I owed them {$14000.00}. I never received anything by mail what they would do with the vehicle once it 's gone, if I wanted to purchase the car back and when the vehicle sold what the deficiency amount would be after telling me where/when the auction would take place. 

XX/XX/XXXX : I called Toyota to get my account number and the customer service lady did not even know that the vehicle had been repossessed or I owed anything, I was trying to figure out why I never received any correspondence from Toyota and still have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Medical Recovery Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX case and this collection agency is posting on my credit report I owe them money. This was completely covered by XXXX and they wo n't remove the credit post to the credit bureaus. I want all posts removed as this is hurting my score and is an illegal practice. This is a complete violation of the FCRA.

Company response to consumer: Untimely response
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified 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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is reporting derogatory on my credit report, for a zero  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

Great Lakes sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact Great Lakes with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax and XXXX both have misused and misidentified information reporting on my credit report. Transunion is the only agency which has blocked the identity theft items from appearing. I have submitted all necessary documents including Police report, identity theft affidavit, identification, summary of fraudulent items asking to block them per FCRA 605B, and credit report with items circled. I have submitted it at least 10 times in the past year to XXXX which fails to yield results and they do not notify me that they are refusing to block the information. Secondly, I have submitted the same documentation 76 different times via fax, online, and mail to Equifax. They have failed to notify me of any information. When calling Equifax , I asked to conference call one of the creditors. We did so and the creditor verified it was fraud and to remove it. Rather than removing it, Equifax placed items ONTO my credit report which were never mine. They are included at least XXXX inquiries which were over 2 years old and several accounts never belonging to me. They then claim that they investigated the matter and that they verified the information and will not remove it. Both Agencies treat it as a dispute taking 30 days rather than an identity theft block request which takes 4 days. Also, in XXXX instances, Equifax " completes '' their investigation in just 2 days saying they verified my social, name and Date of birth. This isnt possible and if it was too, it shows I was a victim of identity theft and of course they used MY information. Both Equifax and XXXX have failed on many occasions to address my concerns and I plan to file suit if it is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with DISCOVER BANK (CT).
Issue: Customer service / Customer relations

Complaint: Discover card lowered my credit rating and removed over XXXX worth of credit from my credit line based on an inquiry that " just happened '' to be at the highest point of my credit debt. This occurred in XXXX 2016. In the last 60 days I have paid off XXXX worth of credit card debt and Discover will not do another inquiry for me, without doing a hard credit pull, to ascertain if I am worthy of more credit. I have several credit cards and all of them are in good standing. None of them have requested a credit line decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX XXXX XXXX, account ; XXXX, this account is not mine. 
2. XXXX XXXX, XXXX, account ; XXXX, this account is not mine. 
3. XXXX XXXX, account ; XXXX, this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have written numerous times regarding my issue with JP Morgan Chase. I am writing again to let you know thag I am still NOT satisfied and they have done absolutely nothing to help resolve the issue. While they have already moved forward and sold the property I have written about and reported to every organization possible I want some sort of resolution. While we have tried for what turned out to be several years to get a simple loan modification on our home they continously asked for the same documents over and over again when I sent them as soon as they were requested, the law firm that was trying to help me get the modified at ion sent them as well. They claim that I did not send them in a timely manner and they also basically accuse me of lying when I told them that a representative of JP Morgan Chase would not accept a temporary payment when I called to make XXXX after doing it for several months. I gave them all of the information of who I spoke with and the number I called and everything. 
AGAIN, I AM NOT SATISFIED WITH THE FACT THAT THEY WILL NOT DO ANYTHING TO RESOLVE THIS MATTER. THEY SCREWED UP AND THEY KNOW IT BUT WILL NOT INVESTIGATE IT WITH THE INFORMATION THAT I HAVE PROVIDED TO THEM. 
I will not stop writing and reporting this to anyone and everyone that I can. It is not right that they can just XXXX over their so called customers like they did us.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted by XXXX XXXX XXXX XXXX more then 5 times a day. Finally when I was able to answer from getting home from my XXXX job, the employee told me that if I didnt pay my bill that I should get my suit pressed and prepare for my day in court. That it would be a long time before I was able to live a normal life because in their words " dead beats are dead beats '' It was a horrible call and my XXXX children heard this as it was on speaker phone while i was making them dinner. They cursed at me and told me I was a loser. Please help me and prevent them from doing this to other hardworking people.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Medical) with Integrity Solution Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Integrity Solution Services continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

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 11/15/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: issue started XXXX due to work unemployment ..since then have been involved with multiple servicers and banks,, now XXXX XXXX and ocwen are attempting a loan modification.. on XXXX/XXXX/XXXX they want 3 payments of circa XXXX dollars and will not tell me what happens next.. but ocwen is known for doing this bait and switch .. i am only talking to over seas debt collector types that do not care about XXXX citizens .. yes this is yet another complaint about ocwen and all there underhanded tactics

Company response to consumer: Closed with explanation