milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: BANK OF AMERICA REFUSES TO ANSWER QUESTIONS OR GIVE A VALID ANSWER, Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because they believe you may have been a victim of fraud. You may want to contact the company directly for more information. 

THIS IS NO VALID ANSWER, ITS XXXX!!! OF COURSE IM A VICTIM OF FRAUD, AND BANK OF AMERICA IS THE PERPETRAITOR!!! CRIMINAL, THEYVE BEEN REPORTING ON A DEBT THATS ALLEGED, THEY CANT SHOW ANY VALIDATION NOF DEBT, FURTHERMORE ITS OVER 7 YEARS OLD!!! AND THEY PERSIST ON COMMITING CRIMES, THATS OK, WHEN THEY RECEIVE MY COMMERCIAL AFFIDAVIT AND DO NOT RESPOND THEN I WILL FILE A NON-JUDICIAL COMMERCIAL LIEN AGAINST THEM BECAUSE OF THEIR PROVEN CRIMINAL INTENT RIGHT HERE ON THIS PUBLIC FORUM IVE COMPLAINED ABOUT 10 TIMES AND THEY REFUSE TO ANSWER SILENCE IS ACQUIESCENCE SILENCE IS FRAUD SILENCE IS GUILT THEIR XXXX CRIMINAL WORKERS IN THE FRAUD DEPARTMENT KEEP ASKING ME FOR A DEBIT CARD NUMBER FROM 8 YEARS AGO,!!!! THATS PRETTY XXXX!!!!! 
FURTHERMORE THEY CAN NOT PRODUCE A VALID CONTRACT WITH ME AND THATS MORE DAMAGES!!!! THE ACCOUNT HAS BEEN CLOSED SINCE 2009,!!! 
XXXX CRIMINALS!!!!!

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I purchased a toyota corolla from the dealership. Santander Consumer USA was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And Santander 1099A for the first two months car was reported as paid as agreed then Santander in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note Santander Consumer USA was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We moved in XXXX XXXX and our mail forwarding request was active from XXXX XXXX - XXXX XXXX. Our mortgage lender, Wells Fargo, never changed our records to our new address, even though they had access to it, so all of our personal financial loan information was continually sent to the old address. In XXXX XXXX, we received XXXX letters from Wells Fargo at our new address, so we know they had the new address available, but they never changed our files. In XXXX XXXX, Wells Fargo filed an insurance claim on our old property. The loss was from XXXX XXXX, when we still owned the property and were clearly listed as the insured on the claim. Since our address was incorrect, we did n't receive any of the information about the claim - it went to directly into the hands of the renter at our old address. He opened our mail from Wells Fargo and/or XXXX ( the insurance adjuster ) and used our personal loan information to contact Wells Fargo. In XXXX XXXX, we received a letter from Wells Fargo addressed to the renter, but cc 'd to us, stating they were sending the renter a check based on that insurance loss. They sent him 2 checks totalling {$20000.00} off an insurance claim from when we owned the home and under our loan number. Not only did Wells Fargo hand him all our personal data by never properly changing our records, but they allowed him to contact them and speak with them regarding our loan and our insurance claim. Wells Fargo sent an apology, saying they messed up by sending him the money, but also stated their error did n't harm us because we were n't owed the money. Our mail was opened, our personal information was breached, and Wells Fargo allowed someone to contact them several times using our account information and swindle them out of nearly {$21000.00}. For the bank to say " oops, sorry '' and expect us to sweep this under the rug is beyond insulting. We have no idea how long this will affect us or how far this man will go to use our information for his own gain. Wells Fargo has a responsibility to us and they failed miserably at it. Our personal, financial information was handed over to someone else AND he was allowed to gain access to the largest financial loan we have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Non-federal student loan) with Windham Professionals, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving multiple phone calls daily. Similarly, friends of mine are getting between XXXX and XXXX calls some days asking for my contact information. I do not recall ever giving anyone this friend 's contact information, not even as a reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am trying to refinance my house and found a judgement against me by chase on a credit card XX/XX/XXXX. I did further investigating and found that chase had settled with the federal government and agreed to cease collecting debt on accounts XX/XX/XXXX. im not good with the legal language, but it says that they can not collect or enforce any judgement made during that time. I never received anything informing me of the settlement. I called and tried to get them to remove the judgement against my property and they said they would only remove it if i paid 100 percent of the balance i owed them. From what ive read, can they still try to collect on this debt and continue to enforce this judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing. 

This is an unjust practice that misrepresents my true credit worthiness. 

Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage. 

I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.

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 12/13/2017 about Debt collection (I do not know) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: TOOK MONEY FROM MY BANK ACOUNT JUDGE SAID IT PAIDED IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I eagerly opened the e-mail sent ( XXXX/XXXX/15 ) from cfpb regarding my complaint XXXX. You can not imagine my disappointment when I read that Wells Fargo required additional time to complete their research. When I first spoke with XXXX XXXX she indicated 10-14 business days. I was utterly amazed to also that XXXX XXXX XXXX ( Wells Fargo XXXX ext XXXX ) asserted that she was unable to contact our legal counsel XXXX. I immediately contacted them, without difficulty, and discovered that there is NO record of Me XXXX, or any other person from Wells Fargo of attempting to reach the Office. Our Counsel attempted to contact XXXX XXXX numerous times ( on XXXX/XXXX/15 ) as did I, but to no avail. I will call her daily and attept to determine what information is required to complete her research. 
My Lawyer is leaving the XXXX XXXX XXXX effective immediately. I have been handling all correspondence to Wells Fargo regarding this situation and wish to continue to do so. 
Please contact me ( directly or through cfpb ) on all matters relating to XXXX XXXX XXXX, loan # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a legal letter from the attorney 's that this debt was satisfied in court on XX/XX/2012. I paid {$1500.00} to XXXX to satisfy this debt, and a judge declared that I do not owe anymore money to XXXX, but they reported to all three credit bureaus that I owe a balance of over {$4000.00}. I have faxed the collection agency proof from the court house that I have a {$0.00} balance, but they stopped returning my phone calls since I faxed the legal forms. My lease ended at my old house three weeks ago and now I am homeless, because no other apartment will rent to me. The inaccurate information reported by this company has caused a huge crisis for my year old son and I. XXXX XXXX will not return y calls anymore to remove this negative collection that is preventing me for providing a roof over my childs head. I have disputed this and XXXX has deleted it, but Equifax , and XXXX did not delete this item. So I have now uploaded the legal letter to XXXX and Equifax from that companies attorney 's office. The law firm that represented XXXX XXXX wrote this certified letter that I do not owe XXXX any money and that my credit report should be updated to reflect these record on paper.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Payoff process

Complaint: Synchrony Bank, which administers the QVC " Q '' Credit Card, payment website is set up to be deliberately misleading to consumers paying a bill. When you get to the payment page the first question is how much do you want to pay ( statement balance, current balance, minimum payment, or other ). I selected current balance. Below that, it asks for the payment posting date. When you select a date, the payment amount automatically reverts to the minimum payment -- despite selecting to pay the statement in full. This is clearly a trick to get people to incur finance charges, which is what happened to me last month and I just saw it happen again today. I had to go back and edit the payment to select the full balance. Unless you check the payment afterwards you would n't know. It is a deceptive practice and cost me a finance charge. This is clearly unfair and deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: DATE : XXXX/XXXX/16 TO : CALIBER HOME LOANS XXXX, OK XXXX RE : Information Request Mortgage Loan Number : XXXX To whom it may concern : I am writing to request the information described below in regard to the mortgage on my property at XXXX, Al XXXX. 

Please accept this letter under RESPA and/or TILA. 

Please provide to us an accurate, ITEMIZED, reinstatement amount for the above referenced loan. 

Thank you for your cooperation in this matter so we know our options on reinstating our loan and avoiding foreclosure. 

If you need to contact me to discuss this request, I can be reached at, t Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 pulled my TransUnion And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with TransUnion stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called Applied credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at TransUnion today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with  XXXX  as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They ( TransUnion or   XXXX    ) will not provide proof and I have did all I can do.     I also advised  XXXX  the following Inquiries are fraudulent /not authorized by me :   XXXX    XXXX / XXXX / XXXX   XXXX  -  XXXX / XXXX / XXXX    XXXX   XXXX  -  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX  I advised TransUnion the following iquiries are fraudulent/not authorized by me :   XXXX   XXXX   XXXX     XXXX  via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After many hours of studying the law and research of the protection consumer laws, I have sent several letters to   XXXX   Equifax and   XXXX   regarding fraud on my credit report related to an address in  XXXX , IN.  XXXX   XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the  Office  of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcies 1 on  XX/XX/XXXX   and the  XXXX  on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the  Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has information that is formatted incorrectly, the date on the Bankruptcy is incorrect. My credit report shows a date filed date of : Date Filed : XXXX/XXXX/XXXX Which I believe it is causing the information to stay on my credit report longer then it is required. Please refer to page XXXX on the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at Chase Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. Chase Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at XXXX. Chase confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted XXXX, upon Chase Bank 's insistence. but XXXX is saying to contact Chase Bank. Neither wants to take responsibility for verifying the payee. XXXX refuses to give any information to me and says Chase Bank should contact them so both banks could resolve the issue. Chase Bank refuses to handle the matter.. Attached is a copy of the Chase check, and a copy of the audio recording made with XXXX who says Chase Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- XXXX AND CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to get an income based repayment plan with Navient for months because I am at my annual renewal point. Every year I go through the same fiasco, it takes months and then they finally tell me I owe nothing for 1 year. Some years they tell me I need to send my husband 's income information becausr we file joint income taxes and other years they tell me they do n't need it because he did n't co-sign my loans nor does he have any student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with Rausch, Sturm, Israel, Enerson & Hornik, LLP (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have XXXX claiming I open up an account in XX/XX/2013. 
I stated I did not open the account nor authorized a account to be open with this company. They sent me to collection company name portfolio recovery who hired a company to sue me Rausch, Sturm, Israel, Enerson and Hornik, LLC and Hornik XXXX sent a summons civil but no answer or reply letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with The Bureaus, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to XXXX  XXXX XXXX and XXXX  and XXXX   is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.

Company response to consumer: Closed with explanation