milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Problems when you are unable to pay

Complaint: My ex-husband and I bought a vehicle XXXX XXXX from XXXX. Somewhere along the way it was transferred to Santander Consumer USA. He and I got a divorce XX/XX/XXXX and he was awarded the car and the debt. The last payment he made on the vehicle was XXXX/XXXX/XXXX. Santander at that time started harassing me about the debt and even though I told them I was no longer responsible for it and even showed them proof they still would not leave me alone. They were even calling me at work and threatening me with jail and calling acting like they were process servers. They could not get ahold of him so they just kept harassing me. They finally stopped contacting me, but then they started reporting it to the credit reporting agencies that they had repossessed the vehicle. First off, neither of us had ever received a repossession notice and Santander can not produce a notice that proves they ever sent us one. The vehicle just disappeared from the house one morning. Secondly, I have tried to contact them multiple times by certified mail and e-mail to try and come to some sort of arrangement in order to settle the matter so that I can get it removed from my credit report. I have offered to even pay part of it. They do not respond back to me. Instead, they constantly change the data on my credit report so that it stays refreshed and on my credit report. I have been battling this for 5 years now and do not know what else to do. I just want this taken off of my credit report. They are shady and underhanded and I do not think it is right that they lie and threaten you and then ruin your credit for something that is not your responsibility and then refuse to respond to you when you try to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with United Check Recovery, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A guy named XXXX XXXX called my employer saying that he was with United Check Recovery Bureau. He left a voicemail for them telling them that my name & social security number had been flagged & that he needed employment verification in order to finish his legal proceedings over a debt that I owe ( in which I did n't owe ). When I called him, he was rude, called me names & even said that no matter what I say that he would call everyone at my job & everyone in my family to get the money owed to his company. He stated that no laws applied to him & that he was going to continue to call me every day. When I told him that he broke by the law by disclosing my personal information to someone at my job, he laughed & said that he would do it again & again until I stopped being a fraud & pay my debt. He has called my family & he had names of people that I work with in which I never gave to anyone. I think this is a scam because I told him to send me something in writing stating that I owed them and he said that he already had & that he refused to do it again. I have never received anything from these people. I am so upset & I am retaining a lawyer.

Company response to consumer: Untimely response
Consumer complaint received 11/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX I called Experian to request a persistent Dispute remark to be removed from my credit report. Ive called numerous times and keep getting the run around. Ive requested to speak to a manager and have been denied the right to speak to one. They have basically told me to go pound dirt. Ive had to call XXXX and XXXX to have the persistent dispute notations removed and they were kind enough to remove the persistent dispute notations the same day. Im trying to get a mortgage and currently going through under writing. The under writer cant write a loan with persistent dispute notations. I feel Experian is holding my credit report hostage to a Persistent dispute notation, that I have requested be removed. IM reaching out for help because I keep getting the run a round from Experian. All Im asking is for the persistent dispute remark be removed. I have an expected closing date XXXX which leave me 11 days to close and Experian refuses to remove the persistent dispute notation. Pl help if not I will lose my escrow money. Please please.

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 08/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Diversified consultants purchased my old account from XXXX XXXX. My service ended with them three years ago. I never received information from the provider. I provided the company with a forwarding address and phone number. The creditor confirmed they just received the collection account XXXX 2017, I was charged for equipment and terminaion fees. I have excellent credit and no derogatory accounts. Diversified CONSULTANTS immediately posted this account to my credit report prior to contacting me by mail on X/XX/2017. I received a telephone call from Diversified Consultants from an extremely aggressive and unprofessional representative. The rep. Provided no information concerning the account, I asked what information he could provide me and was only provided a balance due. My name is spelled incorrectly on the notice and i am a bit aprehensive. The rep. Continued calling and demanding payment after i advised to stop calling. I reached out to XXXX XXXX and initiated payment. I am requesting both companies be held respnsible and all derogatory remarks removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: I was given a business check by a person who was supposed to buy an item from me. The bank cleared and cashed the check the following day ( I trusted the bank to know if the check was good or hold it if there was any uncertainty ). I deposited the check on friday XXXX/XXXX/2017 and the cash was available on XXXX/XXXX/2017. I assumed their was no problem with the check and procceeded to follow instruction of the buyer of this item. I then money grammed the remaining balance after taking out for my item to the person who was supposed to come pick the item up. Everything was fine on my account with {$60.00} something dollars in it to use cautiously because I am a XXXX single mom and need to use every dollar carefully. Around XXXX on monday XXXX/XXXX/2017 I received a decline on my card for a less than price that I knew was in my account. I immediately got in my vehicle and checked my account. It was XXXX! I called the bank immediately and asked them what is happening. The person I spoke to was very rude, I asked if I could speak to someone who understands whats happening and if they were available and I was told " I just told you what to do, I do n't see any reason for you to speak to the branch manager! '' I told her I need to and can you please have her call me. The following day the branch manager was as equally rude explaining only that I am responsible for that balance and that I need to wait until the XXXX and there 's nothing I can do. They said Im not allowed to shut my account down to prevent further fraud. They are expecting my direct deposits ( only income source for the month to support my daughter and I ) this month to go towards their lost balance. I asked about opening a different account and basically the rude first person and her branch manager were standing there in front of me with their arms crossed. I made other calls and have been to the police, fbi and banks. Meanwhile before the check is even deemed fraud on the XXXX they have taken out about six or more and continuing overdraft fees of {$38.00} all circling around this deposit. This is a very upsetting event for me all the way around. I 've had to put my life on hold since the day I trusted the bank to be more knowledgable and helpful in an event. I did n't think for a second the bank would cash something that even has the possibility of being suspicious and trusted them to carry through accordingly. The poor attitudes and unwillingness to help from the staff and even branch manager are very hurtful on top of a crises. After this is settled and they rack up more than their share of my and my daughters living I will never do business with them again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased and closed on my home XX/XX/2014. To my surprise i just received a letter from my servicer that there is a {$4000.00} shortgage to cover the taxes and insurance. I contacted the title co who prepared Hud 1 and I contacted the Wells Fargo who preparedthe closing documents. Each are blaming one another. My mortgage payment is {$1000.00} and now going to increase to over {$1600.00} to cover the shortage. I would like to know how in the world was i even approved for this loan? My husband is XXXX years old and im XXXX. This home was a flip home and i never met the seller. I believe they purposely kept the correct annual taxes amount hidden from me because when i would ask them during the process " what are my taxes '' they would just say " oh about {$350.00} a month ''. I believe they did this cause i didnt qualify for the actual amount. I come to find out after 1 year my taxes are {$7100.00} a year as opposed to {$4200.00}. I am now in a position that i may have to sell my house. This is a huge burden for us!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Report Number : XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : FRAUDULENT INQUIREExperian report # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid  you in resolving this matter promptly.

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 08/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was satisfied on XXXX-2016. I have contacted XXXX regarding this debt asking them to remove this from my report as it has already been satisfied. I also sent them the letter they sent me stating it has been satisfied. They continue to call me harassing me.

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 09-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: America 's Servicing Company ( ASC ) is refusing the borrower 's legal representation to speak on the borrower 's behalf and is also refusing the borrower 's right to obtain information on the the borrower 's own account. ASC was sent Notice of Representation on XX/XX/XXXX ; hereto attached. ASC did not send acknowledgement of his representation until XX/XX/XXXX, hereto attached. The XXXX XXXX XXXX XXXX XXXX XXXX has continued to represent the borrower to date. All correspondence relative to this account is mailed to the address of the XXXX XXXX XXXX XXXX XXXX XXXX. ASC Correspondence began to reflect an associate attorney XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX as the authorized representative without instruction from the borrower or The XXXX XXXX XXXX XXXX XXXX XXXX and is no longer allowing the borrower or the borrower 's legal representative to obtain any information on the mortgage. The borrower has a sale date approaching on XX/XX/XXXX. The first authorization took a turn around time of over 2 weeks for ASC to process the authorization. If ASC takes 2 weeks again to process the Notice of Representation as being requested again it will surpass the borrower 's sale date. This is truly a misjustice to the borrower as well as many other Homeowner 's faced with these unethical practices. On XXXX we attempted XXXX phone calls to speak on behalf of the client and were given XXXX different responses each time we called ; At the end neither the borrower nor the attorney were able to obtain mortgage information due to the borrower being represented by legal counsel. We are requesting an immediate escalation to this matter due to the pending sale date. We are requesting for ASC to reflect the correct represenation as prescribed in the Notice of representation as The XXXX XXXX XXXX XXXX XXXX XXXX. Attorney XXXX XXXX also reflects his name misspelled in all correspondence received from ASC. The authorization should not list an associate attorney of the Law Firm as the authorized representative but should reflect The XXXX XXXX XXXX XXXX XXXX XXXX. ASC continue to stated the XXXX XXXX XXXX XXXX XXXX XXXX is not longer authorized but continues to send all correspondence to said Law Office 's address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was offered a promotion and given opportunity to pay within 6 months without interest. I deliberately paid my balance down to XXXX from a XXXX credit limit so that my balance would not yield such a high interest prior to the 6 month period. I paid {$130.00} for the month of XXXX but when I received the XXXX statement the XXXX payment was entirely used for interest. I contacted the company and they said that this would be the approximate amount that I would pay on a monthly basis. So my response was " are you saying that t am paying this amount every month '' and she responded yes but offered an option to pay at least {$400.00} in a few days to avoid these continuous charges if I wanted out of this. I could not believe what I was hearing. I did not want to make payments because it would never pay the principle as long as I used this card. They continued to call me repeatedly meaning at least 5x a day. I took the call and was making an arrangement with them and there was a disconnect. I called at least five times to make some sort of payment consideration to of no avail speaking to a supervisor which offered no solution. They closed my account even though I was willing to pay the past due amount. They agreed that a representative mislead me. Now this communication has caused serious delinquency and credit reporting issues. The misleading phone call was on XXXX XXXX, XXXX. I also have tried to make contact with Synchrony corporate offices regarding this matter and credit card customer service said there is no number.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but XXXX XXXX and Experian has not followed the laws.

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 06-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I requested the Bank of America to close my account as I am living these days in XXXX for the past 4 years. I used to get my XXXX benefits directly from XXXX, but due to this bank charging a fee and several ATM charges abroad in XXXX by the XXXX banks which will only dispense XXXX or nearly {$150.00} per transaction, I decided to close the account but the Bank though initially agreed to waive the fee for XXXX XXXX their bank statement dated XXXX, continued to start again charge me the very next day {$12.00} and refused to refund the money. In the meantime another small pension from XXXX in the sum of {$37.00} was credited to my above bank account, but the Bank of America will neither wire transfer the balance which is less than $ XXXX or send a cheque to my address abroad in XXXX. The customer care reps. have a nasty attitude and was adopting a dog in the manger policy. I want my money back and close the account. My discussions with them was quite unsatisfactory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EXPERIAN has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I also sent out a letter to the clerk of XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX or XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing the correct information. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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