milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i was charged for a apartment debt, while i was XXXX in XXXX with the XXXX, i was protected by the military clause and they wo n't remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Trouble during payment process

Complaint: Ditech performed an inaccurate Escrow analysis on my home and has increased my mortgage amount over the past two year s.      XXXX   County refunded Ditech {$2100.00} that was the amount of the over payment and the company has still not d isbursed my funds.     They also are not processing my mortgage payments because my payment amount is not the same as their overestimated mortgage amount that they have just increased on my end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Facts : 1 ) In XX/XX/XXXX I received a letter indicating I had an escrow shortage. I was given XXXX options : a ) make 1 payment with total shortage or b ) spread shortage over 12 months. I chose b. 
2 ) I received an email on XXXX/XXXX/16 that my mortgage payment ( including additional escrow ) was applied. 
3 ) Today I received an email that a late fee had been applied because my payment has not been received. 
4 ) The payment was made per my bank statement. 
5 ) The payment was received per email dated XX/XX/2016.. 
Today I called customer service and they indicated that had my payment but it was suspended and not applied because I failed to 'request permission ' to spread the shortage over 12 months even though my payment reflected the increased amount.. The request procedure was n't very clear in the letter I received in XX/XX/XXXX nor have I ever had to " request permission '' before. The letter clearly stated that I have XXXX options and even provided the new payment amount. I feel the mortgage company is trying to take advantage of its customers and force them to make a late payment even though they have received the on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Last year, I opened a Citigold checking account under promotion XXXX. This promotion grants XXXX bonus points for opening the account and spending {$1000.00} in debit purchases within 60 days and complete a bill pay in two consecutive months. I fulfilled these requirements. 
On XX/XX/XXXX, after not getting the promised points, I contacted Citi and they confirmed that I enrolled and fulfilled the requirements. They stated that I would receive the bonus miles within 90 days ( which would have been XX/XX/XXXX ). 
I still did not receive the points, so I contacted Citi again XX/XX/XXXX, and they said that they would launch an investigation, and that I would receive an e-mail confirmation of the investigation no later than XX/XX/XXXX. I never received that confirmation. 
So the issue is that I did not receive the XXXX bonus miles promised to 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 non-monetary relief
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I AM REPRESENTATIVE PAYEE FOR XXXX XXXX VETERANS AND HAVE DEPOSITED THEIR CHECKS IN MY NAME AND THEIRS IN MY BUSINESS ACCOUNT FOR OVER 15 YEARS. TODAY BANK OF AMERICA REFUSED TO DEPOSIT THEM UNLESS I OPENED A SEPARATE ACCOUNT IN MY NAME AND THEIRS. I WILL CONTACT SOCIAL SECURITY ABOUT AUTOMATIC DEPOSIT IN A PERSONAL ACCOUNT, BUT THE MANAGER XXXX XXXX WOULD NOT SHOW ME THEIR RULES AS TO WHY I COULD NOT DEPOSIT THESE CHECKS. I CONTACTED MY SISTER, XXXX XXXX XXXX ( WHO IS A BANK MANAGER AND HAS BEEN FOR 30 YEARS ) AND SHE SUGGESTED I TELL THE BANK TO CASH THE CHECKS AND THE BANK DID, BUT IT CHARGED ME A FEE TO CASH BOTH OF THESE CHECKS. THIS IS TARGETING VETERANS TO OPEN ACCOUNTS THEY DO NOT NEED OR TO CHARGE THEM A FEE.

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 10-04-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my mortgage company Bank of America and requested assistance though a home loan modification in XXXX. I was told by my customer relationship manager that I was eligible for a home loan modification based on information submitted. I sent out the required documentation once I received the packet. I called him and advised that it was taking a long time to receive the information. He told me that the info should have been sent out overnight via XXXX. He stated that he would notify management of the delay. The information instead was mailed out weeks later. This was in the month of XXXX. In XXXX 2016 I received a letter acknowledging receipt of my info. The letter also advised that if any or documentation was required, I would receive a letter spelling out requirements. I was never provided as response as to why I was not receiving correspondences as the letter stated that I would. I never received anything else from the bank. I spoke to my Customer relationship manager several times and he would advise of what the underwriter was asking for. They asked for the same info for XXXX4 weeks in a row. The separation agreement between myself and the borrower, an explanation of XXXX of the child support orders, and a few explanations of deposits/withdrawals on bank statements. I repeatedly sent over the same documentation and they continued to acknowledge that they had it yet continued to ask for it. 2 business days before the sale date they requested the other borrowers information, as in check stubs, bank statements, tax returns. Initially they told me that I did not have to submit that information and could apply on my on. A Quit Claim deed was submitted as well. I submitted the other borrowers information on XXXX and they received. I was told on XXXX/XXXX/16 that the foreclosure would be submitted for postponement due to all docs on file. The sale was never stopped. In fact on the day of the sale I was still being asked for documents. I know that Bank Of America deliberately ran the clock out on me, never providing any alternatives to the modification, nor giving me the opportunity to request any other avenue of assistance, when they had all the required info to make the determination or a decision. They dual tracked my account with the intentions of stealing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IA).
Issue: Struggling to pay mortgage

Complaint: I became late on my payments last year. Nationstar offered me a modification. I accepted even thought it would extend out the 20 out of the 30 years I hade left to 40 years. My intention was that I would pay on time for 2 years and refinance out of Nationstar. Then I found out that Nationstar closed my mortgage/note 5 years ago when I was in bankruptcy even after I reaffirmed and have been making payments. So I stopped paying to find out why and what could be done. Who pays 40 years on mortgage that can not be refinanced because it doesnt exist and you may never own it in the end or you think you have it paid off just to be told that you owe more money? I tried to refinance it sooner and that is how I found out there is no note. So then the foreclosure process has started. It has only gotten to their attorney filing papers and requesting it but a judge has not signed off yet and I have denied all claims because I want answers to their claims. Well, I have found a way to pay off my loan ( through my employer ) and in the pay off request they added {$30000.00} fees to my pay off. In XXXX my loan was at {$110000.00} in XXXX it went to {$110000.00} and the payoff for XX/XX/XXXX is for {$130000.00}. I bought this home for {$130000.00} in XXXX of XXXX. I was given a XXXX interest rate even with no less of a XXXX from all three credit reporting agencies. I have tried to contact XXXX XXXX at Nationstar who never answers her phone and never returns her phone calls. So this is what I want help with. I want a true buy out. Not the overinflated one they gave me. I want it noted that I am now sending a check via certified US Mail to make a payment of {$6800.00} since she will not answer her phone to take my payment over the phone. If this can not happen then my boss can buy my house for me at the foreclosure auction for half of what they want for a payoff and they can be out that money since Nationstar closed my note in my bankruptcy and they can not come after me for the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Payday loan debt) with Enova International, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. 

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. 

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. 

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. 

I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has been holding up my IBR request on spurious grounds. I processed an IBR request through XXXX. They first denied my application claiming that they were missing a page. How that can happen when they receive it electronically through XXXX is beyond my comprehension. 
So I resent it. Now, almost three months later, they have sent me a denial letter. 
It says, " we 're unable to process your Income-Driven Repayment request at this time because your signature was not included. '' Strange, because the copy that I 'm looking at, which I faxed them on XXXX XXXX at XXXX shows my typewritten signature with the date. 
They are now claiming on my telephone call with them that it needs to be a " wet signature. '' No where on the form does it define signature. No where does it indicate that a typewritten signature is invalid or otherwise makes the contract modification unenforceable. No where do they define " signature. '' ( Thought as a trained lawyer my understanding is that a signature is defined generally as a present intention to authenticate. ) All of my other lenders have accepted my IBR without a problem. Navient is the ONLY lender to pull this most recent excuse out in order to delay and deny my application and force me to reapply. 
[ I have just gotten off the phone with Navient, and they told me a wet signature is needed, but they they would, ( after I told them that I was filling out a CFPB complaint as we spoke ) accept my electronic signature in lieu of a wet signature. ] I am still concerned that they will ultimately fail to deliver on their obligation to process this IBR request, so I 'm submitting this same complaint to notify CFPB of their inaction and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Federal student loan) with Performant Financial Corporation (KS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2016, my vehicle was taken by a recovery service. When I contacted NMAC, at first they did n't even know it was taken. I was on the phone, being bounced around for at least an hour. When I did speak with someone, I was told twice that I was only one month behind and my car should n't have been taken. The 2nd gentlemen said that the reason for the seize was because I made my payment on a Saturday and the system was n't updated in time. However, he said that 's my problem and I had to pay {$1200.00} plus fees to get my car back. I know for a FACT that there are customers three or more months behind that still have their cars. I also know that NMAC plays these games with customers with newer cars because they get more money. I admitted that I was behind due to medical issues and offered to pay on the spot. The gentleman said no and would not allow me to speak to a manager. No less, that it 's hard to understand the customer service reps due to a language barrier. I have been with NMAC for two years and it has been one issue after another. Hopefully corporate and my lawyer can help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When Navient took over loans they had both my Federal and Private loans listed. I accessed the web site and found the loans. I sent payments ( enough for all the loans ) to the new address each month. After approximately a year I got a letter stating I was in default. I had proof of electronic payment. The Navient representative stated that she could not see all loans on my web site even though I could. The full payment was being applied to the other loans and interest and late charges were added to my private loan. The added charges were approximately {$4000.00}. When I asked why they could not see that the payments were applied to the other loans they said could but there was nothing they could do to reverse the charges. I have had to make separate payments since then. Additionally they keep raising my payment. It is like dealing with loan sharks! Original loan was {$22000.00} After almost 8 years my balance is $ XXXX.Their site shows a grand total ( combined loans ) yet they can not service them together!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (OH).
Issue: Taking out the loan or lease

Complaint: i was incarcerated when this account was open this fraud representative claimed i forged a police report through XXXX police that was filed and XXXX police, you can confirm that both identity theft police reports where not forged and are accurate, i was in federal custody when this account was opened and there failing to remove these accounts, by bureau of prison inmate number as XXXX and i was incarcerated from XXXX/XXXX/2010 for XXXX months and they can confirm this online and are refusing to do so, they can confirm this info through XXXX and wont do so and say they verified this account as mind and its NOT mind. I was at FCC XXXX XXXX at the time this account was opened no way i could have opened this account and you being the government can confirm both police reports in both cities and can easily verify where i was when this account was opened under my name, there violation my rights under the FCRA and FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent a Bitcoin transfer from XXXX to XXXX at XXXX XXXX - XX/XX/XXXX XXXX. As of XXXX XXXX. The transfer has still not gone through. XXXX still does not show the XXXX transaction hash ( the hash shows for previous transfers ) and the XXXX is nowhere to be seen on either of my accounts. The transfer was for XXXX1 XXXX. 

I contacted XXXX customer support one week after the transfer and have still not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am reporting XXXX XXXX XXXX XXXX XXXX. I paid this amount in full XXXX dollars in XXXX nothing has been done but the document from housing says XXXX but XXXX XXXX was given to him as well to rectify the situation the XXXX XXXX XXXX do n't have the landlord number either I also have documents to prove from both courts and himself the landlord and housing authority. I need you guys to investigate this 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