milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IA).
Issue: Managing the loan or lease

Complaint: XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My XXXX issued me a Bank of America debit card through which I would receive payment for XXXX. I am no longer with that XXXX XXXX and called the Bank to close the account. They said I should expect a check in the mail in 7 to 10 business days. That was in XXXX. It 's now been 2 and 1/2 months. And after repeated calls still no check. They said my first and last names were switched. The first XXXX and last XXXX digits of my account are XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted this company twice and they refuse to correct the errors on my report. They are indicating the information is accurate. The 2 other credit reporting agencies have corrected my report. I have asked them to remove incorrect names on my report.

XXXX XXXX XXXX - This is incorrect I have no knowledge of who XXXX XXXX XXXX is nor have I ever been related to or associated with any with this name.

XXXX XXXX XXXX - This is an incorrect spelling of my last name.

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 09/28/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I signed up for a student loan in XXXX for XXXX. As soon as I got into college they started incurring interest on a daily basis. My loan went from XXXX to XXXX in the matter of two years. I started paying it down and I got it to XXXX again. I was at XXXX XXXX XXXX XXXX XXXX MI. My interest rate is 6.69 % compounding daily.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Agency will not provide the correct documentation

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Credit card) with CFS2 Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a CFS2 trade-line on XXXX of my credit reports. These were initially disputed on XXXX XXXX, XXXX to XXXX via certified mail and XXXX on XXXX XXXX, XXXX. Each of these were verified by CFS2. 

I subsequently received letters from CFS2 dated XXXX XXXX, XXXX and XXXX XXXX, XXXX stating they did not have the necessary information to verify my account and would need 60-90 days to do this. I disputed this trade-line again with both XXXX ( XXXX XXXX, XXXX ) & XXXX ( XXXX XXXX, XXXX ) and CFS2 verified both accounts again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hunter Warfield has caused me much anguish by reporting an invalid debt to XXXX, XXXX, and XXXX for 5 years and 10 months. Hunter Warfield increases this invalid debt monthly. Hunter Warfield occasionally removes and then re-insert this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an Open account. I never received notice of this debt from Hunter Warfield. After close to 6 years I applied for a home loan and was denied due to this criminal act by Hunter Warfield so I decided to check my credit file. This is when I noticed the Hunter Warfield account on my credit report. The amount was over {$7000.00}. I knew that this was wrong because I never had a debt of that magnitude. I did some research online and on XX/XX/XXXX decided to send a letter to Hunter Warfield asking them to either prove that the debt belonged to me or remove the illegal item from credit file. On XX/XX/XXXX Hunter Warfield returned a letter to me stating that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did n't enclose a contract with my signature on it because it does not exist.Not only has their wrongful reporting negatively impacted my life, it has also had a negative effect on my family as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian uses deceptive and misleading practices to automatically enrolling customers into a monthly dues-paying program referred to as Experian CreditWorks. I recently requested my free yearly credit report from Experian.com and was advised to enter my credit card number. I was skeptical but when the website explained that the credit case would only be charge {$1.00} so that Experian could more easily verify my identification. I was shocked when two weeks later I was charged {$21.00} by Experian. I went back to Experian to see what this was about and was told that by requesting my free credit report I was automatically enrolled in the Experian CreditWorks program which costs {$21.00} per month. I was advised that because I did not proactively request to cancel my membership I was responsible for paying my membership dues. I feel mislead and deceived by Experian. It seems that the practice of automatically enrolling customers in the CreditWorks is designed to make extra money by charging customers for the first month before they realize they 're enrolled in a program that automatically deducts monthly dues. This is a dishonest and deceitful practice. Experian will claim that their website clearly states the policy, which, in a way is true. However, the practice is so transparently deceitful that it warrants a look from 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 09-09-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a HELOC with PNC Bank for many years. Recently, I discovered that the loan minimum payment had gone up considerably, but I was never notified of the change by PNC. I continued to pay the previous minimum payment on time ( it was actually set to autopay ). By the time I finally got in touch with them and determined the issue, they had reported my loan 30 days late twice to the credit bureaus. Once the miscommunication was cleared up, I immediately paid the overdue amount and it has been paid on time since. Unfortunately, because the late notices damaged my credit score, I am now unable to refinance and receive a more competitive loan. I am very skeptical of PNC 's motivations for their lack of communication re : the payment amount change. Although they had my correct phone number, I did not receive any messages re : the situation. Even going to the PNC website showed no indication on screen that the loan had any past-due status ( I have screen shots of this ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.

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 11/23/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (TX).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. 

When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have two charge offs from 2 XXXX which were covered by my insurance. They did not file them in time and the insurance denied one. On the otherone, I was never given and XXXX. This was over 8 years ago. Bad Debt company bought the debt and re-reported it as a current dedt to Equifax!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015, I went to the Fifth Third Bank in XXXX, IL and closed out my account in person. I was assured that the account was closed. XXXX XXXX re-opened this account after unauthorized and/or fraudulent charges attempted to come through. They did not pay anything, but proceeded to charge upwards of XXXX NSF charges. They never contacted me by phone or mail to let me know the account was re-opened. They simply sent me to a collection agency. In addition, no statements were provided or overdraft letters. Finally, my contractual obligation with the bank ceased when I ended my relationship with them. Finally, how can a bank charge over XXXX NSF fees when they were not out any money??

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is taking advantage of my situation to their advantage! I can barley pay my mortgage anymore and they supposedly did a Home modification when times were bad but I 'm still over paying and can barely keep my home due to XXXX! PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Delinquent account

Complaint: My ex husband opened an account in my name without my knowledge. He then had the address for the statement sent to an address I was unaware of and then defaulted or was late on a payment. I have tried contacting the company in question to tell them this is a fraudulent account but they have not removed the derogatory marks from my credit report. I have tried disputing the items as well with the bureaus. These marks are negatively affecting my ability to secure a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Williams & Fudge, Inc (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I currently have a student loan in collections that has a balance of $ XXXX.When i called the collection agency Williams and Fudge Inc.they gave me a settlement offer of $ XXXX.Is it legal to charge over three times the balance? I would like to pay off the full balance but i feel that {$5700.00} is a bit excessive .Do i have any options in this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: XX/XX/2018, Im still trying to contact Bayview Loan Servicing so they can update my account..No one will answer the phone or return my call. All the lies and scamming, guess they dont want to talk to me. YES, Bayview Loan Servicing Approved and Executed my Loan Modification, but XXXX XXXX continue to send me harassing letters about foreclosure, claiming they didnt receive my last trial modification payment. I have provided proof that Bayview Loan Servicing received the last trial Modification Payment. They are so INCOMPETENT there. Im NOT Sure if the employees there have high school education, especially XXXX, she is so dense. My account need to be updated. When my attorney finishes with these crooks they will be sorry! I have a contract signed, approved and executed by Bayview Loan Servicing saying I didnt need to do anything else. I received instructions where to send the new modification payments. I have already sent XXXX XXXX my 1st Loan Modification Payment so I dont know what XXXX XXXX is talking about. She is a big liar, trying to scam more money out of me!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER DITECH. I FAXED ALL DOCUMENTS TO THEM ON  XXXX / XXXX /   17  AND CONFIRMED THAT THEY HAVE A COMPLETE PACKAGE AND THE FILE WENT TO THE UNDERWRITING DEPARTMENT ON  XXXX / XXXX / 17  WITH A 30 DAY TURN AROUND TIME FOR A DECISION. I HAVE A   XXXX   XXXX   LOAN SO LOOKING UP THE GUIDELINES FOR ASSISTANCE WAS PRETTY EASY AND AS WELL AS LOOKING AT THE GUIDELINES ON WHAT TO EXPECT ON THE CFPB WEBSITE TO ENSURE I AM NOT TAKEN ADVANTAGE OF. I CALL WEEKLY, EVERY  5 B USINESS DAYS AND EVERY TIME THEY STATE THE FILE IS IN REVIEW AS OF  XXXX / XXXX / 17  WITH NO DOCUMENTS NEEDED. WE ARE NOW ON  XXXX / XXXX /   17  OVER 3 MONTHS IN THE UNDERWRITING DEPARTMENT, WHEN I QUESTION  A DITECH RE PRESENTATIVE ABOUT THE LENGTH THEY GIVE ATTITUDE AS IF I AM BOTHERING THEM AND STATE SORRY YOU FEEL THAT ITS TAKING A LONG TIME AND THEN END THE CALL. I CANT GET ANYWHERE WITH THIS SERVICER AS THEY ARE RUDE AND DONT CARE ABOUT THE BORROWERS OF THE INVESTORS THEY ARE SERVICING. I SPOKE TO  XXXX  AT  EXTENSION   XXXX  WHO IS APPARENTLY ASSIGNED TO MY FILE WHICH I ASKED IF I CANT MAKE A PAYMENT BECAUSE I AM IN FORECLOSURE AND IT IS TAKING YOU OVER 3 MONTHS TO REVIEW MY FILE WHICH IS CAUSING ME TO BE MORE DELINQUENT HOW IS THAT RIGHT, HER RESPONSE WAS WELL SIR YOU WERE ALREADY DELINQUENT WHEN YOU STARTED SO ITS NOT OUR FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX repeatedly calls in the early morning hours and/or late at night. I live with roommates and whether I or they answer the phone, the company does not respond even after being repaetly asked " Hello. Hello ''. When they do answer, they have once asked for someone not living at our residence and the other time, they hung up on my roommate before she could ask who was calling for me. The only reason I know its a debit collector is because I Googled the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is calling my friends and family and threatening legal action on a debt not mine. They have my information wrong and continue to call and harass my friends and family after being told to stop calling. 

XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation