milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Problems when you are unable to pay

Complaint: We have been making payments on our car loan with Santader for almost 4 years. After consistently running behind last week the car was repossessed. After making 3 payments totaling {$1800.00} and getting the car back I decided to look into the balance we owe on the car, only to find out that we owe roughly $ XXXX less towards the principal than when we first obtained the loan. After questioning this, the customer service representative indicated we have paid almost $ XXXX towards interest because we have been running behind in the interest rate is a little over {$13.00} a per diem. After hearing this I was understandably upset. Clearly we are trapped in a downward spiral financially ... .we had to get this loan because our credit was bad, because of this, our payment was higher, therefore, we were more likely to fall behind, once doing so our credit score gets worse. In the meantime, the bank collects interest only and we have nothing to show for it as we continue to pay the price for our financial mistakes. I would like to understand what rights and protection we have as consumers. I would also like to know if I have a reason to seek legal advise as I think this practice is morally questionable at best if not against the law. Thanks in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with FLAGSTAR BANK, FSB (MI).
Issue: Money was not available when promised

Complaint: Here is what happened at Flagstar Bank, XXXX XXXX XXXX, XXXX Branch, MI. 

XX/XX/XXXX -@XXXX XXXX, Submitted a personal check from Chase for {$30000.00} to credit into my Business account. I wanted to transfer the fund to my trading account by next day but I was told that it takes max of 2 days before it can be transferred. 

XX/XX/XXXX - Checked my Flagstar business account balance. It did n't show the credit.

XX/XX/XXXX - Checked again in the morning and afternoon. Did n't show the credit. 
XX/XX/XXXX - Same. Did n't show the credit XX/XX/XXXX - Same. Did n't show the credit. 
XX/XX/XXXX - Checked and did n't see the credit, I got annoyed with the delay. Called the XXXX branch office and enquired about the status with the manager. 
The manager indicated to me that she sent a notification on XX/XX/XXXX stating that the fund transfer would be on hold. Pressing for details, she mentioned that she received an electronic notification from XXXX indicating that the funds transfer would be on hold. I was asking for Bank 's process in clearing local checks and the reason for such abnormal delay. She kept telling that this is normal and it is bank 's process. She asked me to follow-up with XXXX XXXX and bring the " cleared check '' so that she can credit into the Flagstar account. If not, it will be cleared after 6 days, on XX/XX/XXXX. 
Since, I already lost 4 days and needed the funds immediately, I went to chase and asked why my personal check is on hold for clearing. To my surprise, the officer told me that the check was cleared and sent to Flagstar on XX/XX/XXXX itself. XXXX XXXX officer gave me the " cleared check '' and my personal account balance showing that the check amount was debited from my account on XX/XX/XXXX. 
I took the " cleared check '' back to Flagstar bank and the manager credited the amount immediately. Here are my questions ; When the check was cleared by XXXX and sent to Flagstar on XX/XX/XXXX, why this was not credited to my account immediately? 
It is very clear that {$30000.00} was credited to Flagstar on XX/XX/XXXX and they were using the funds for the past 5 days ( XX/XX/XXXX thru XX/XX/XXXX ) without crediting to my bank account. To me this is fraud and as a business owner I lost the opportunity to make {$200000.00} in Day trading using this funds. I also went through lot of emotional distress as the funds were not available immediately. 
Flagstar needs to compensate me for the loss and STOP using customer funds. 
Thanks, 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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As I am sure you are aware by now Equifax, a consumer credit reporting agency in the United States, allowed -- through total criminal negligence in violation of laws governing the handling of such data -- for the disclosure of the personal information of about 143 million people both in the United States and abroad. This information included dates of birth, social security numbers, names, drivers licenses, and in some cases credit card numbers. All information that can easily be used to steal and ruin someones identity. 

Through their complete incompetence, these data were made available to hackers through a web vulnerability. It 's unconscionable to me how a company who 's only responsibility is to manage this data for the purpose of generated credit reports were so reckless with where and how the stored the data that this was able to happen in the first place. 

They were also well aware of this months before they made this information public.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted EXPERIAN bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX    TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EXPERIAN AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    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 01-08-2018 about Debt collection (Credit card debt) with Law Office of Linda Strumpf (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: My wages were garnished by XXXX XXXX representing XXXX XXXX in XX/XX/XXXX and then in XX/XX/XXXX for over {$2000.00}. I was improperly served at a location I never resided, therefore had no knowledge of the original court date. Once I researched my rights concerning the wage garnishment, I filed a small claims lawsuit in XXXX County Court in XX/XX/XXXX, where the garnishment was stopped and the debtor was ordered to reimburse me within 30 days with all of the funds that were garnished. In XX/XX/XXXX, I sent a notice to the debtor via return receipt, requesting the monies owed but have n't received anything. I also provided them with an updated mailing address and phone number but have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am continually getting automated calls asking for a person by the name of XXXX XXXX. She does not live/work here and they call numerous times a day with no way to stop the calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2017, Ditech denied the Home Affordable under the HAMP Program claiming that the 31 % is less or equal to 31 % of the gross income. Pursuant to the XXXX servicing Guide published on XXXX XXXX, 2017, servicers are required to include the monthly payments for all Heloc. Thus, the housing debt ratio must included the following : Principal & interest Taxes & Insurance HOA dues The principal & interest, taxes and insurance included for the fist lien : 1. {$660.00} Second lien ( HELOC 2. {$580.00} HOA dues 3. {$210.00} total Housing expense $ {$1400.00} divided by monthly verified income $ XXXX % The record reveals the the debt to income ratio exceeds the 31 %. Ditech failed to abide by the XXXX servicing guide published XXXX XXXX, 2017. The records reveals i am eligible for the XXXX Program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received this letter on XXXX XXXX, 2016 from this company say that they represent Pinnacle Credit Service. I called then and found out that they are Pinnacle Credit service but a different name in another state. I was told that I had 5 day to respond to this letter. I feel now that I am being harassed by this company once again. I am trying to get the information removed from my credit report because of Pinnacle Credit Services. It has been well over 90 days since I have filled my complaint. I called XXXX and they have no knowledge of this company. I just want everything to stop. I want the information from Pinnacle Credit Services removed from my credit report. Like clockwork they renew the information on my credit report and it causes a drop in my credit score every time this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Went into XXXX for vehicle service on XX/XX/XXXX. was barraged by salespeople trying to cram a new vehicle down my throat. Specifically told them DO NOT RUN MY CREDIT REPORT. I was assured this would not happen. But it did. I found this out on XX/XX/XXXX, and contacted XXXX sales manager. He told me it was not run and the last credit pull they did was XX/XX/XXXX. I SENT HIM PROOF THAT IT WAS ON THE REPORT, and he never one time contacted me. He passed it off to XXXX, a sweet gal we bought the 1st vehicle from in XX/XX/XXXX, and she too shows no proof that the report was run. BUT IT IS ON THE CREDIT REPORTS!!! I had to resend her the same PROOF I sent to XXXX. I have heard from no one, and i am under the impression this is illegal and they could be fined. i WANT THIS fixed immediately, IT IS LOWERING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I obtained a copy of my credit report after seeing my credit score drop sharply. I found XXXX charges totaling over {$200.00} on a card that I never use and a past-due statement, which I never received. Called the bank and discovered the XXXX charges were both from out-of-state. The thief may have stolen unforwarded mail containing an updated credit card, as the bank did not have my current address on file ( even though I had left a forwarding address ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Yesterday I received my monthly mortgage statement from Seterus and the amount due had doubled. 

Last month the amount due was {$400.00} and for XX/XX/XXXX the amount due is {$990.00}. No explanation for the increase was included and the account is current. To my knowledge I have never paid a late fee and have paid down the principal with almost every payment. 

This is a variable loan. No prior letter was sent that the rate adjusted from XXXX % to XXXX %. In the past I got a letter explaining why the rate changed and even if it did not change they sent a letter confirming the interest rate. 

The principal amount due increased {$530.00}. This huge increase came with no explanation or description of any kind. 

At the time I took out this loan with XXXX XXXX XXXX this balloon increase was never told to me. I clearly remember seeing a diagram in the loan documentation that showed the rate increasing - I asked about this and was told this was an example of the variable rate increasing. 

I was never told this was a time bomb loan - I was told it was principal only loan and if I did not pay it off by the term of the loan - I would have to refinance the property. 

Seterus purchased a loan with a time bomb in it and never gave me advance warning - beyond 45 days of XXXX rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX my car leased through XXXX XXXX was totaled. Insurance covered the claim and the account was closed. In XX/XX/XXXX, I applied for credit and was informed that their was a Serious Delinquency indicator on my credit file, but in reviewing the credit report, there were no delinquencies. After much research, I was able to determine that the indicator was caused by the comments from XXXX XXXX. I contacted Experian, XXXX ( the 2 agencies reporting it ) and XXXX XXXX and asked them to remove the indicator as the account was paid as agreed and closed. Despite saying they have updated the account, the indicator remains on my report. I also contacted FICO and they are claiming that Early Lease Termination is considered a derogatory indicator. This Serious Delinquency Indicator only reflects on certain FICO calculations, not all. While it 's very clear to anyone who actually looks at my credit that there is nothing derogatory on my report and the account was paid as agreed and NEVER delinquent, I can not get any of the companies to correctly update the account and scores. I also want to mention when I was trying to fix this issue with Experian, I spoke with a supervisor ( did not get her name ). She was trying to tell me that my closed credit cards were the problem, but when I pointed out that I only had one derogatory indicator and there were 3 closed credit cards on my report, she told me that she could " fix '' it for me and add 2 more derogatory indicator. I find this beyond unacceptable and think the company should be fined for allowing their employees to treat customers that way. The person was rude, unprofessional, and ignorant. I expect an apology.

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 10-07-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I am extremely disturbed with Bank of America. They refused to review my loan for a modification review. I provided all the documents so I can be review, however ; they are just prolonging my loan so I can keep falling more behind. I tried to offer a settlement but unfortunate Bank of America stop offering settlements since XXXX 2016. Bank of America requested proof that my loan was not eligible to refinance before I can be offer a modification.Bank of America does not want to used the information I provided which is proof that my loan was not eligible for a refinance. This is not acceptable because I have tried to negotiate many times with Bank of America and they keep turning me down. I really dont want to end homeless specially at my age. As a homeowner I have my rights and I honestly I believe Bank of America is doing all they can to deny my loan for any assistance.

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 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1 ) My wife and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My wife and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my wife and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with XXXX b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) replies from XXXX XXXX and XXXX XXXX ) All we are asking is for the XXXX account to show a XXXX balance

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 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted documentation on numerous occasions to have an item that does not belong to me removed. The credit bureaus are only going by what the company states and not looking at the facts. If a company can not verify my account by my birth date because they have a different birth date on file than this is proof enough that this is not my account and may have been opened fraudulently.

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 01/15/2018 about Mortgage (Conventional home mortgage) with Earnest Inc. (CO).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX failed to communicate a transfer a service which resulted in a payment to Earnest that should have gone to the new loan servicer, XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
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: The XXXX XXXX XXXX is reporting that I was 90 days late on my student loans in XXXX 2011. I have mailed letters and have contacted The XXXX XXXX XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The XXXX XXXX XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The XXXX XXXX XXXX do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The XXXX XXXX XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.

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 05/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Struggling to pay mortgage

Complaint: I have paid for mortgage modification in   XXXX    2016.  My grandmother passed away at the end of   XXXX    in 2016 we   were approved for modification and started our trial payments   XXXX    2016 with s uccessfully completed  the trail w e receive the final modification documents in  XXXX  however they were in my grandmother 's name. I am there I am the executor of her estate and I called nation star mortgage to find out how to sign the documents they told me to sign them as my name, executor now they 're explaining that I 'm not able to do that and I have to reapply I reapplied on   XXXX   XXXX   and they still have no decision they have not acknowledged my application for modification they have not canceled the existing modification and now my mortgage  is five months b ehind they will not except  one pa yment and I need some assistance

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.

Company response to consumer: Closed with explanation