milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Back in XX/XX/2011 we purchased a XX/XX/2011 XXXX from the dealership. The dealership lied about the contract and stated that I would be a cosigner and I actually ended up being the owner and my daughter the cosigner, who had that time had no credit. The dealership inquired XXXX hits on my credit score. I had received an auto loan with Capital One. My daughter and I both lost our jobs and we fell on hard times. The first time the car was repossessed we borrowed money and we paid a little over {$4500.00} to get car back plus added fees that they had added on. At that time we told them that we were still unemployed and the Capital One representative explained that in order to work out another deal we would have to let the car go in default and that we only owed around XXXX. Before the car got repossessed they refused to work out an affordable payment as they had my daughter paying XXXX every week. We lost our place and became homeless and we were sleeping in our car. Recently the car as been repossessed and they have added on over XXXX dollars in fees and they are threatening to sell our vehicle and it has been paid off we are now paying fees that they keep adding on. The car is paid off and we have requested that the dealership send us the original contract so we can prove to Capital one and they can render us our vehicle. I am getting the original contract and I will submit my the proof that I came up with over XXXX to get my vehicle back the first time and there were a ton of fees included in that as well as the letter they just sent me which was all fees over XXXX XXXX in fees. We have paid so many fees to Capital One during our XXXX and the XXXX has been paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with I.C. System, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017, i disputed online to your collection agency asking for validation to this debt. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. A copy of a signed contract by me with your collection office, a copy of the original contract between you and i?? If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 12-04-2017 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: Personal information incorrect

Complaint: Experian has all these wrong address that do n't match up and a bunch of the same address as one. 
Experian just likes putting a lot of false wrong information on some one credit report so they can sell your information over and over. 

There is none of these address : XXXX XXXX XXXX XXXX XXXX -- -- -- -- wrong no such unit XXXX XXXX XXXX XXXX -- -- -- -- -- -- wrong not my address nor is there one. 
XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- - wrong same building not my address nor has it ever belong to me. 
XXXX east XXXX XXXX XXXX -- -- -- -- -- - wrong no apartment number not me My address is XXXX East XXXX XXXX XXXX XXXX XXXX Pa XXXX stop making up information I 'm reporting this to The FTC as well

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 non-monetary relief
Consumer complaint received 06/13/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Company : Santander Consumer, USA Main address : Payment address :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , TX  XXXX   XXXX , TX  XXXX  Phone :  XXXX  I am   XXXX   XXXX   XXXX   and am submitting this complaint regarding Santander Consumer USA. Although, I only indicated one area of concern above, there are actually three areas : ( 1 ) billing problems ; ( 2 ) problem with fee charges ; and ( 3 ) problem with interest rates.
<P/>
I purchased a vehicle (   XXXX   XXXX   XXXX   ) from    XXXX   XXXX   (  XXXX , VA ) in  XX/XX/XXXX  for {$21000.00}. The monthly payment is {$6 20.00}. As of today, (  XX/XX/XXXX  ), the payoff price is {$21000.00}, which is {$320.00} less than the purchase price and over 24 monthly payments. This in itself ( still owing this huge amount ) is extremely disconcerning and absolutely a predatory method to attain revenue from customers that may have challenging credit. I have conducted extensive research about Santander 's practices and I am not alone in this abhorrent situation.
<P/>
I have contacted the vendor on a myriad of occasions in hopes of potential compromise or other suitable approaches that can resolve the issue. However, Santander continue to respond that since it is a Simple Interest Loan and that is the only loan that they execute, there is nothing that can be done but continue to make the payments. At the present rate, the vehicle will have been paid at least 3-4 times more than what it is worth.
<P/>
It is with the aforementioned unbecoming, predatory and unrelenting practices that I submit this complaint about Santander. This company and similar companies should not be allow to exist! I sincerely hope that there is something that your agency can do. As a   XXXX   XXXX   employee, good credit standing is crucial and Santander 's actions is a primary I can be reached at :  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear Credit Bureaus : My wallet was stolen out of my car back in XXXX, 2015 and it had my social security card, driver 's license, and all of my credit cards. As a result, I filed a police report that is attach to this letter, with a copy of my driver 's license and bill for my current address which validates my address. My credit cards were closed and new ones had to be issue because the thief used my credit cards and occurred debt without my knowledge. Today as I was reviewing my credit report, I noticed that I have a collections account on my credit report from XXXX XXXX XXXX that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Re : STELLAR RECOVERY, INC ( Collection company ) refused to Verify and Validate of Purported Debt pursuant the Fair Debt Collection Practices Act ( " FDCPA '' ), as stated in XXXX XXXX XXXX, for partial Account Number : XXXX, - hereinafter referred to as " Account. '' Dear Sir or Madam : On XXXX 2016 I found out from my credit report that STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX put a collection in my Credit report. On XXXX XXXX 2016 I sent XXXX letters to the STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX with attention to Dispute Department, to XXXX XXXX and to XXXX XXXX via XXXX XXXX Mail ( enclosed ), but all above people are refused to provide me with the copies of the requested letters which they should sent me before STELLAR file a collection with the XXXX and XXXX ( " credit bureaus '' ). Also, in XXXX STELLAR verified above account with the above credit bureaus. 

On my first request of verification ( enclosed ), I requested from the STELLAR to provide me with all copies of letters which STELLAR should sent me before they file/put negative marks on my credit reports with the XXXX and XXXX ( " credit bureaus '' ) by FDCPA law. But STELLAR refused to provide me any of requested copies. Now, I am demanding if STELLAR ca n't provide me with those copies, then STELLAR must to DELETE above account from the Credit Bureaus within next 15 days with the written confirmation. 

I would like to ask Consumer Financial Protection Bureau to help me to put STELLAR and above names to the investigation list, I believe ( based of the complaint from the XXXX ) that I am not the first person who was harassed by the STELLAR. 

I hope that Consumer Financial Protection Bureau /Representative will be able to successfully resolve my collection reporting issue. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Trying to remove a dismissed bankruptcy from my credit report.The following sections of the FCRA .1681c mentions nothing relating to bankruptcy dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore transunion has no right to maintain this information. 

Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, transunion must delete this information from my credit report.

( See attached letter I sent to Transunion )

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I been a victim of fraud I have called Experian serval times in a year the refuse to remove information thats not mines. There is 17 inquiries on my credit report that are unauthorized they keep giving me the run around to call the companies that ran it which I have done and they tell me to call Experian.There are also 2 collection account I do not recognize they will not provide me with verifiable information that they belong to me. I have 3 accounts thats providing incorrect information From XXXX XXXX, XXXX XXXX which where paid on time. I have a credit card that is not reporting I have asked them several times I can not get a strait answer .I hope this can be resolved its hurting my opportunities to open new credit lines and employment. 

Inquiries XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE- XXXX, XXXX, XXXX XXXX XXXX XXXX  DATE- XXXX XXXX XXXX XXXX DATE- XXXX XXXX XXXX XXXX DATE - XXXX XXXX XXXX XXXX  DATE- XXXX XXXX DATE XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX DATE XXXX, XXXX, XXXX XXXX XXXX XXXX AMOUNT {$720.00} XXXX XXXX XXXX AMOUNT {$590.00} XXXX XXXX LATE XXXX XXXX XXXX DATES XXXX XXXX XXXX DATE XXXX Credit card not reporting -XXXX 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 05/14/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (CA).
Issue: Trouble during payment process

Complaint: My name is  XXXX   XXXX  an d BSI Financial has b een my loan servicers since  XXXX   XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very   XXXX   XXXX   XXXX   XXXX  . Since last year we 've requested loan modification from  BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only w ishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.   We found a lot of fraud, especially with the   XXXX   company. You can look at the attachments and see what kind of fraud   XXXX   creates. They tried to sell my property illegally, they do n't have any right to sell my property on  XXXX   XXXX ,  XXXX .       XXXX   XXXX     XXXX  pdf See  attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I tried I wanted to modify my home and Ocwen had me wait for almost 24 months and it was never granted.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive submitted my police reports my fraud affidavits all the proof needed and the credit agencies keep coming back saying the information has been validated and thats impossible because I did not authorize any such transaction some one has taken and assumed my identity and its nothing i can do so Ive come to cfpb to get some help removing these forclosure and tax leins that dont belong to me according to 609A these items should be blocked 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 non-monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Other mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: . I am a single mother of XXXX including my XXXX daughter ( XXXX. ) I have a XXXX and XXXX year old daughter, and my mother who XXXX also live with me. I have a loan with XXXX. I had some financial trouble, and the loan was modified in 2015. At the time of the modification we ( XXXX and myself ) were attempting to have the loan balance that was in default helped by Keep Your Home California. It was going well, XXXX agreed to be a part of the program. In XXXX of 2015 I was informed that the new service provider Amerinational was not interested in the program. That meant that although XXXX had already modified my loan with thought that the overdue part would be assisted by keep your home California, that delinquent portion was carried with me to the new servicer. I have since that time always been 90 days behind because I cant make up the money. I am now facing foreclosure for a total of {$3600.00} although I fully qualify for Keep Your Home California, I am going to lose my home because a servicer that I have no control of wont participate. How is this fair?? 
I can afford my mortgage, I just cant afford the extra overdue amount. How do I get around this? I 'm being disqualified from a program that I qualify for because, a company that has no interest in my well being does n't want to participate. I understand that they cant be forced, but why not have another option? How do I take a XXXX person to a homeless shelter? How do I protect her, my teen daughters, my mom, and myself in a homeless shelter? How do I leave my XXXX daughter to look for a job during the day at a homeless shelter ... that if they have room for a family of XXXX. What if they do n't? Who sleeps on the street? How do I make my kids know that this is there new reality? Why is this okay? I have lived in my home for 10 years. My XXXX does n't remember any other place ... How is this okay?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been attempting to correct reported information on my credit reports for a collection with expired SOL and never validated. XXXX and XXXX have corrected their records and removed the collection account. Experian however sent a letter indicating they would not re-investigate because it was previously investigated in the past.

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 07-07-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was charged two bogus overdraft fees " engineered '' by PNC bank. ( Please see attached screen capture with notations. ) On XX/XX/XXXX I checked my balance and saw that I had a low positive balance. So on XX/XX/XXXX, I deposited a check for {$250.00} to that account because I knew that I had two checks totaling {$230.00} that had not yet cleared, and I wanted to make sure that they were covered. <P/> On XX/XX/XXXX, I again checked my account and saw that the deposited had been credited and that after that the two checks had cleared. This resulted in a positive balance of {$15.00}. <P/> XX/XX/XXXX was a bank holiday, but because I had made a {$25.00} online purchase, I transferred {$25.00} from my other PNC checking account to that PNC checking account. That would, I knew, give me a balance of {$15.00} + {$25.00}, for a total of {$40.00} -- more than enough to cover the {$25.00} purchase and still leave a small positive balance. <P/> On July 5, I checked to see if the {$25.00} purchase had gone through, which it had. HOWEVER, on that same date PNC had FIRST posted an " engineered '' {$36.00} overdraft fee on my positive balance of {$15.00} ( which threw my balance into the negative ), and THEN they put through the {$25.00} charge ( which now was n't " covered '' because the {$36.00} fee had " taken '' some of my {$40.00} balance ), and AFTER THAT they finally credited my supposedly " instantaneous '' PNC to PNC transfer from the day before -- thus resulting in another " engineered '' overdraft fee.
<P/>
I called PNC around XXXX XXXX on XX/XX/XXXX and spoke to a male representative ( he quickly gave his name at the beginning of the call, but I did n't understand it ; and after we had talked he ignored my request for his name or bank ID number ). He said that he could not help me because his request to refund the charges was denied by the computer. When I told him that I was going to complain to regulators if this was n't properly resolved, he laughed. ( So much for low-level customer service at PNC. ) He then put me through to his supervisor, whose name sounded like " XXXX XXXX. '' She promptly announced that she was recording the call. When I said that was fine because I, too, was going to record the call, she told me that I " was n't allowed '' to do that. I informed her that under Maryland law that I was allowed to record a call if I let the other party know that I was doing so. She kept insisting that I was n't allowed to do that, and then said that she would not talk to me if I recorded the call. ( You can verify that exchange, I imagine, since she said our call was being recorded on her end. ) She said that she was escalating the call. She then escalated the issue to her supervisor.
<P/>
I ended up getting her supervisor 's voice mail, and I left a detailed message with a return phone number. The supervisor 's name was spoken quickly, but it sounded like " XXXX XXXX. '' I have not heard from him.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I never received notification that I was being sent to debt collections. I am in agreement that I was sent a bill however I did make dispute with my insurance  carrier  so I thought they paid the debt. I was never contacted further by the collector that I still owed this debt. I by all means pay all my bills & am willing to pay this too however I was never informed via phone, email or mail that I still owed this debt.      AR Resources (  debt collector ) Reported  XX/XX/15    {$740.00}

Company response to consumer: Closed with explanation