milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX. 
The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX. 
I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then. 
I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''. 
I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me. 
Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement. 
" XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me. 
I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title. 
I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016 I received communication from XXXX, XXXX, XXXX XXXX XXXX XXXX attorney office. The entity supposedly represents Midland Funding LLC Successor in Interest of XXXX account XXXX. I 've never been in communication with Midland Funding LLC nor received any correspondence that they have authority to collect any such debt from me. What I do know is that Midland Funding LLC is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like XXXX, XXXX, XXXX XXXX XXXX XXXX to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other fee

Complaint: Hello, I purchased tickets from XXXX directly using my Bank of america Credit card. The ticket fares displayed on the portal were in XXXX currency. When I am reviewing my statement it shows entry related to the ticket fare along with that additional charges related to foreign transaction fee. 
below are details. 

Total cost of ticket XXXX $ and foreign transaction fee of XXXX XXXX 
I spoke to XXXX and they say we dont charge any additional fee and that we have received XXXX from my card company. 
I fail to understand that if the ticket price were dispayed in XXXX by the airline company, I used my XXXX credit card to make the payment why should it attract any foreign transaction fee. 

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 monetary relief
Consumer complaint received 09-10-2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Rewards

Complaint: I opened a Amazon.com rewards card in 2006 which I used solely yet sparingly for Amazon purchases. I accrued {$66.00} in rewards and yesterday went about to redeem the rewards online. I was shown that I do indeed have {$66.00} in rewards but that my credit card account had been closed unbeknownst to be and to call customer service. I called to inquire and spoke to a supervisor who informed me that my account had been closed by them automatically. I never received proper notification that the account was being closed nor did I want the account closed. I was informed that because the account was closed I could no longer redeem the rewards that I earned. I feel that I should be mailed a check for the amount of rewards as it was their choice to close my account not mine and I did not receive proper notification. I feel there is no valid reason earned rewards should be retained by Chase and they should benefit from closing my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I was sitting at home, working diligently and making my house payment on time as I have for the past 12 years. Nationstar Mortgage decided to tack on a " property inspection '' fee to make sure I still live here. I never authorized it, no clue why they charged me for it and am arguing with them about their random fees. Their response so far has been " well, it was {$13.00} this month, you are lucky it was n't {$300.00} ''. This has to be illegal. I asked them for written documentation where it says they can randomly assess my account funds ... ... ... they never sent that documentation and suddenly do not speak English very well. I have been on the phone almost every day with them and just get put on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: In XX/XX/2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from XXXX XXXX a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. XXXX is in California and XXXX XXXX is in XXXX. Out attorney sent XXXX and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to Trans Union it is  severely damaging my credit. They refuse to remove it. XXXX XXXX only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.

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 09-06-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: On saturday XXXX/XXXX/15 I recieved a phone call from ( XXXX ) XXXX claiming they were with XXXX and that I had been approved for a loan. They told me I needed to send XXXX $ cash through Moneygram and they would deposit my loan into my account. I was told the loan was for XXXX dollars and i would pay XXXX a month back.. I went to cvs in XXXX ohio and sent the money to a person named XXXX. After i sent the money i was told i was being placed on the line with XXXX of their account specialists. I recieved a call from another Texas number and they said i needed to send XXXX more dollars for the wire transfer insurance. I was and am still under financial pressure and these people scammed me out of my last penny. i called moneygram and they basically told me that the money had been picked up and there was nothimg they could do. Please help my father and I. Things are hard enough without this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Other debt) with Aargon Agency, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Aargon continues to report a debt that I informed them that was not my account. They requested a police report that was filed and submitted to them on two occasion via fax as they requested and they continue to claim they have not received the fax. 

I'm attaching the police report for your office to forward to them. Failure to remove immediately I will file a lawsuit for providing false information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Deposits and withdrawals

Complaint: This complaint is identical to XXXX previous complaints. In every case in these XXXX complaints, Wells Fargo has attempted to resolve the complaint by providing false information to both the CFPB and to me : - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) In summary, the complaint is that I can not transfer funds from my Wells Fargo bank account to a bank in the XXXX. Wells Fargo have claimed in the XXXX previous complaints that transfers are possible using Wells Fargo online. On XXXX 2016 I spoke to XXXX ( Online Banking, XXXX XXXX ) who confirmed that at that time, international transfers were NOT IMPLEMENTED on the web site, but that the web site was due to be updated on XXXX 2016. This claim has proved to be false. Today, it is still impossible to transfer funds using the Wells Fargo web site. Today 's excuse is that a customer needs a US-based cell phone in order to receive a text message during the transaction. I am resident in XXXX, and do not have a XXXX cell phone, and also can not even purchase such a contract. BOTTOM LINE : Wells Fargo is still holding my funds to ransom, even after XXXX complaints and XXXX incorrect Wells Fargo responses to the CFPB.

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 08/14/2015 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They call my work phone at the XXXX daily with threats of fraud and asked for {$1600.00} for an alleged debt regarding a loan that I know nothing about. I asked for their mailing address and they told me I was evasive. I told him he was evasive for not providing a mailing address and he hung up on me, this was their third phone call to me. Their XXXX phone call indicated they were attorneys and they were calling regarding a file placed in their office. They told me they were filing criminal charges against. Repeated attempts have been made calling my place of employment and harassing me. Their name is XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 05-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX I got an auto loan through Santander Consumer. In XXXX XXXX I traded my car in for a newer vehicle and went to a different lender that paid off the loan I had with Santander consumer USA. Throughout my two year loan with Santander I had no issues and my payments were paid on time through my online bill pay every month. On XXXX XXXX XXXX I went to make a payment to my current leader through my bank website like I have done in the past, however I inadvertently sent a XXXX check to Santander ( who I still had listed in my bill pay ). On XXXX XXXX I realized that I sent my check to the wrong lender and called my bank to stop payment. My bank told me they could not do anything because it was direct funds and was already cashed so I would need to call Santander Consumer USA and have them send the check back. On the same day I did called Santander and was told by a representative that there will be a 15 day hold on the check before they refund the payment. I advised the representative that it was not a live check but a direct funds transfer from my bill pay so there is no need to hold the check and my account with Santander was closed and at XXXX balance due for over a year. She said that is their policy, I asked to talk to a supervisor and she said that they are not available but will have XXXX call me back. Later that day I went to my bank and talked to a banker and they called Santander to explain that the check was cleared from my bank account. My bank also faxed to them the receipt from my bank account. Santander said it will take up to 2 business days to upload to their system to review. My banker called Santander back two days later and was told they need my bank statement printed out. My banker sent Santander my tracking confirmation from my banks fraud department and was told again that it will take two business days to review. Two days later my banker called Santander and was told they can not talk to her about the account but any refunds will take up to XXXX45 days. At this time I was getting frustrated and called Santander myself, I spoke to a supervisor from their headquarters that transferred me back to their call center. I started recording my calls and as soon as I told them they were being recorded they told me they can not talk to me and hung up. I have sent Santander the receipt of payment that shows the funds that were sent from my account. I do not think they need my entire bank statement that has not even been sent out to me yet. Santander is keeping my XXXX and accruing interest in their account, XXXX of which should be in my account. They have not made any further attempt to contact me in regards to this " overpayment '' even though they have all my information from my closed account with them to do so. Overall, dealing with them has been frustrating as I have been given many conflicting statements from different call center representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We mortgaged our XXXX condo with SunTrust Bank in XX/XX/XXXX. We recently sold our condo on XX/XX/XXXX and during our closing proceedings it came to light that we owed the XXXX XXXX {$2600.00} in penalties and fees. This is money that we had no idea that we owed. We have always escrowed our taxes since mortgaging with SunTrust. We opened up an inquiry with SunTrust who told us that our Homestead Exemption expired and it was n't reflected in our tax bill -- only in a supplemental bill that was sent directly to us-the homeowners-and therefore they are n't responsible. We never received a bill and therefore have been accruing late payments and interest since XX/XX/XXXX. I can not fathom how, when SunTrust assumed responsibility for paying our taxes and then failed to pay them in full, they can not take responsibility for the penalties owed. If they have faulty reporting on their end, why is it our responsibility to pay what we do n't know we owe especially when we believe they are paying our taxes each year? I am totally astounded at the inability of the system whereby a huge bank and the government tax department can not maintain a system to keep things running smoothly. Why is the consumer being penalized for something that they were totally unaware of and something they thought was being handled by the bank they were paying to pay their mortgage? We are hoping to recover these fees since we do not feel we are responsible for them given SunTrust took over responsibility to pay our taxes when we escrowed them. They will not help us and only insist we were responsible. Additionally they keep telling us that they would have no way of knowing we owed more in taxes when the Homestead Exemption expired but should n't that have just been an increase on our tax bill that they would see whereby they could just pay more in taxes as they needed to on our behalf?

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 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion took off a " good '' tradeline, when they were NOT suppose to. I previously disputed an account with XXXX XXXX ( a rent payment creditor ), because they had not reported the months correctly ; however, Transunion took it upon themselves to remove it entirely ; instead of verifying and correcting the dates. Transunion is now REFUSING to put XXXX XXXX ( creditor ) back onto my account. XXXX XXXX ( the creditors ) were told by Transunion, that the ONLY way to put it back onto my account ; is that I would have to send in a copy of my lease agreement, drivers license and a letter stating that I would like XXXX XXXX ( the creditor ) " inserted '' back onto my credit. I did " exactly '' what I was requested to do, yet Transunion sent XXXX XXXX ( creditor ) the following statement ... .... '' We are in receipt of your reinsertion request for consumer, XXXX regarding account ending in XXXX. Please be advised that said account was deleted from the consumer 's credit file on XXXX/XXXX/2016 in response to a consumer-initiated dispute, and is not eligible for reinsertion. " XXXXAfter XXXX XXXX ( creditor ) informed me of Transunion response , I called and spoke to XXXX representatives and one supervisor, who stated his name as XXXX XXXX ( at XXXX on XXXX/XXXX/2016 ), he was really forceful in not listening or even trying to resolve the issue. I do not know what else to do in order to get this resolved, if the SUPERVISOR himself will not help me. The creditor have attempted several times to get my information back onto my credit report, but Transunion is being resistant.This is their ERROR for taking my creditor off my credit report, INSTEAD of simply verifying the correct dates. Transunion keep trying to tell me that XXXX XXXX ( the creditor ) are the ones who told them to take it off, which makes no sense, being that " they '' were the ones who first reported it on my credit for me ( this is a perk they offer to use their company ) .Also, I have extensive emails, showing where the creditor is trying their best to remedy the situation.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: this is related to the Equifax breach that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Frequently, when I try to get my free annual report from AnnualCreditReport.com, I get a message saying that there was a problem and they can not process my request. The message always points me to the mail form, sure, but that 's not why I go to the website. 
Specifically, I have records indicating that Experian has not been able to give me an online credit report each XXXX in XXXX, XXXX, XXXX, and again this year ( XXXX ). But it has happened with all XXXX credit reporting agencies. 
It is unacceptable that I have to jump through this hoop year after year. It 's almost as though they 're hoping I 'll stop asking for it if they make it hard.

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 06-09-2016 about Mortgage (FHA mortgage) with Union Home Mortgage Corp (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a escrow account and my mortgage company did not pay my XXXX winter taxes and now they are over 6 months late

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 10/26/2017 about Debt collection (Credit card debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Last month XXXX XXXX, 2017 I made a call to the Lender and made my payment on the phone and I still have this on my credit report. Is been almost a month and they have n't removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A address was reported on my credit report on XXXX/XXXX/XXXX and it was n't me

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation