milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: In XXXX XXXX I was hired as a Manager for a company that sent me a check in there name for about {XXXX} and I decided to open an account at Santander Bank in my local neighborhood and requested that they check out the check for me and if it was good to place it within my bank checking account if it cleared, where this was a new company that I was not familiar with. 

They decided to follow through and opened the account and told me that it would take ten days for the check to clear but had told me that I would have to open an account and deposit physical cash in it, which I did for {XXXX}. 

After ten days I had n't hear anything back from the bank in regards to the deposit of the check and when I went to make a withdraw from the bank on the check, they told me that my account was closed and they never told me for what or sent my deposit back since then. 

I never pursued it after that and realized the check I had deposited must had been bad but I decided to open an account again after a couple of years had passed in XXXX of this year and told the rep of the problem I had with the bank a couple of years ago and spent well over two hours seeking to clear whatever issues they had with me and my account and I thought we had a understanding and was going to make a new start, so I again opened up an account and placed another deposit of XXXX to do so and was given a online banking account with new account numbers and after a couple of days had passed, I logged onto my online account and was ready to transfer funds from another company that I performed work for and found that I was on block and when I called the customer service they gave the run around for a good minute but after my persistence after several tries and days had passed that it was the XXXX XXXX issue that they had decided to close my account that was XXXX XXXX, XXXX and that they would send me my deposit back via mail, where it is now going on a month since they closed my account and never sent me my deposit back. 

Which I ca n't understand why they would close my account in the first place for a bad check that someone else wrote, where I had always been in good standings with other accounts I have had over the years with other banks and had paid many bank fees over my many years, where I also believe that they are real crooks and out right have chosen to take people money for their own and are the ones that ca n't be trusted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX FCRA Summary of Rights What is the Fair Credit Reporting Act? 



The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Enacted in XXXX and substantially amended in the late XXXX and again in XXXX, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used. 


Summary of Rights The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers ( for the complete text, visit the Federal Trade Commission ). The FCRA protects you by requiring consumer reporting agencies : Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See " How do I get a free report? " for more information. 

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See " Who can access my Equifax credit file? '' for more information. 

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report. 

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report. 

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated THIS IS FROM THE EQUIFAX PAGE AND YET THEY WILL NOT INVESTIGATE MY INQUIRIES AND DELETE THEM DO NOT USE THE XXXX system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRUAD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with College Assist (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been discharged by the federal Government ( XXXX ) 2 years ago. due to my permanent XXXX they have discharged my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was College Assist Corporation. I explained to them that the loans were discharged and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!

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 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I bought a computer from XXXX XXXX but started having problems with them around XX/XX/2015 when XXXX contacted me. I did not know who XXXX was so I called XXXX instead. they stated that they were unable to process my XXXX card. After calling XXXX and XXXX back I was told to now give XXXX the number on the front of the card and NOT the banking and routing number as they previously asked. then everything was fine and they gave me back all late charges they had charged me. They NEVER called me, emailed me or mailed me anything. when I asked them why, they responded that they do not do that?! then a few months later XXXX called me again to say that it was still an issue. I called XXXX, spoke with a supervisor and all was fixed. ALL LATE FEES were given back to me and they were very apologetic. then I found out that they reported these late fees to credit reports. when I called bestbuy again, they agreed they were at fault, apologized again and said that they would fix this with the credit reporting, which they never did. I filed a compliant with Experian but still nothing has happened, Experian says that according to bestbuy I had a late payment in XX/XX/2015. I have a statement from XXXX XXXX showing ( XX/XX/2015 ) that the late fee from XX/XX/2015 was returned to me. I also have a complete list of all charges, fees, etc and none are late fees. I never had a late payment with bestbuy and all of the late charged were returned to me. I have proof of this and will forward it to you as I did with Experian. After I paid XXXX off, they will not speak to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (VT).
Issue: Loan servicing, payments, escrow account

Complaint: I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow. 

I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX. 
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence. 
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social  security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with AES/PHEAA (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a loan with XXXX that is serviced by AES. They unexpectedly, without permission, or explanation extended my loan term in order to collect more interest. This is contrary to the contract I signed and, without consent, I believe it is highly illegal. I had to hire a financial adviser in order to figure out what happened as I called them on 2 occasions and was told my loan was recalculated and that in the past I was overpaying. I have attached a loan term from XX/XX/XXXX and XXXX from XX/XX/XXXX that shows the 60 months being added to loan XXXX distributed on XXXX/XXXX/07. Again I did not request this. The excess interest that they are attempting to cheat me out fo is XXXX. I am sorry to keep filing complaints I just desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Re : XXXX XXXX XXXX ( {$200.00} ) & XXXX XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX XXXX and XXXX XXXX. On or about XXXX XXXX, 2016, Your company states I owe : {$200.00} AND on XX/XX/2016 I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Hyperion Recovery LLC (PA).
Issue: Excessive fees

Complaint: In my understanding how the bill came up to XXXX and something dollars so there 's no way that it should be that amount

Company response to consumer: Untimely response
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The account in question was previously removed from my credit reports due to XXXX XXXX not following the proper protocol for attempting to collect a debt, the former collection agency was XXXX XXXX XXXX. This debt was removed then sold to another company unbeknownst to me. I was made aware of the selling of the account once it reappeared on my credit report. The new company is showing as Commonwealth Financial Systems and I received no communication in any form from this company. From what I understand I should have been notified no later than 5 days before this attempt to collect was placed back on my credit reports. I would like your assistance in having this debt permanently removed from my reports. 
Thank You for any future assistance

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Resurgent Mortgage Servicing after I had refinanced my mortgage with Selene Finance in XXXX of 2013. The very first month they took over my mortgage, they increased my monthly payment over {$500.00}. This was what they said was " their Fees ". I paid the first month of the higher payment and then consulted with an attorney. He sent them a letter, before anything was accomplished, Resurgent sold the mortgage again to Shellpoint Mortgage Servicing, which I found out is an affiliate of Resurgent. Again, my attorney contacted them ( Shellpoint ), and tried to get t situation resolved. I have not payed any mortgage payment since the first payment I had made to Resurgent. All Shellpoint wanted to do was to do a loan modification or a refinance. My original interest rate was aprox 2.8 %. They do not want to honor my mortgage agreement that I originally signed with XXXX XXXX. My attorney all of my original documents as far as the refinancing and has the correspondence to both Resurgent and Shellpont. My home is now being foreclosed upon and I do n't see how this can happen. It is my understanding that when a mortgage is sold, the buyer buys it " as is " and CAN NOT add fees or change the agreement any way unless the property taxes or insurance changes. I have saved all of the payments that should have been made, I just refuse to pay more than what my original mortgage agreement states. My attorney is XXXX XXXX and his email is XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced to a loan with Loan Depot, XXXX XXXX XXXX XXXX Tx. XXXX. Loan Depot never sent me my statement the first month I was with them. I called in on XX/XX/2016 to get a statement. Loan Depot sent me a statement and I made my payment over the phone. I called back XX/XX/XXXX and XX/XX/XXXX to make sure payment was received because I did n't see it come out of my account. Both times, I was reassured that my payment went through and posted. My payment did not post due to a wrong account number and I was charged a fee for this. I called in multiple times to confirm that payment went through and was reassured both times that payment went through just fine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I received notice from my attorney XXXX XXXX XXXX on XX/XX/2016 informing me that my mortgage lender Regions Bank dba regions Mortgage has declined the short sale offer presented to them by XXXX stating there is not enough time to review for short sale due to the foreclosure date set for XXXX/XXXX/16 and that they require an offer within 35 days of a scheduled foreclosure to proceed. Regions has also declined XXXX 's postponement requests and will not reopen the file. I believe that Regions has been unreasonable in rejecting a verified binding short-sale offer simply because they do n't have sufficient time to review the offer. The buyer has already conducted a thorough inspection of my property and home. I am desperate for help and do n't know have any remaining viable recourse to stop the XXXX/XXXX/16 foreclosure. I am in this position due to divorce and have been working diligently through XXXX to complete a short sale. I do n't believe in filing for bankruptcy and I do n't have the money required for reinstatement of my mortgage loan even if I liquidate my 401K. According to my attorney Regions is not doing what the government says the lenders should to provide foreclosure alternatives to homeowners. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: #  XXXX  was closed prematurely. The bank has declined to provide how the interest was calculated. Rate sheet stated .15 % a t 90-days. Deposit m ade  XXXX / XXXX / 16  for {$91000.00}. Here is my email after the call.    ***To :   XXXX  XXXX  XXXX  Cc :  XXXX   XXXX   XXXX   XXXX  at  XXXX     XXXX    XXXX  , Thank you for your call today.   Here is my take-away.   You acknowledged tha t the Wells Fargo rat e sheet states .15 %.   The rate sheet that stated .15 % was meant to say .0015 %.   There is no way to explain the calculation of the interest as it is system generated.   There will be no adjustment to my account.   This is not satisfactory.   Regarding .0015 %,  XXXX  X  XXXX  =  XXXX   Interest  paid  XXXX .   The bank 's calculation is flawed.   It is unlikely that if I misplace a decimal or   two when dealing with a Wells Fargo  debt, it would be brushed off as just an error, I 'm sorry for the misunderstanding.
I will allow a bit more time to see what Wells Fargo wil  l do next.     **I provided the rate sheet to  XXXX   XXXX  and still no follow-up. I am guessing this is not an isolated incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with Vision Financial Corp. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over 3 months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Untimely response