milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with XXXX XXXX Bank in my name. That day at the dealership, I was given a XXXX XXXX Bank Note to sign and I was able to leave with vehicle. I actually signed XXXX loan notes at the dealership, the XXXX note was signed on the XXXX and the XXXX note was signed around the of XX/XX/XXXX. XXXX the notes were dated for XX/XX/XXXX and XXXX XXXX XXXX XXXX the only listed lender. However, awaiting for XXXX XXXX monthly payment statements. I received a demanding letter for payment from a different bank Santander. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only XXXX XXXX XXXX and the finance adviser at XXXX XXXX never mentioned Santander. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX on XXXX. About three months later a letter dated for XXXX, was sent by a XXXX specialist, XXXX XXXX she stated that my loan application was declined on XX/XX/XXXX, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined Santander 's loan offer. Santander illegally repossesses vehicle all the time for a profit. There is a case against them now. United States of America vs. Santander Consumer USA. Furthermore, the dealership never asked for the car back, I never received any notices of explanation from XXXX XXXX Bank or the dealership before or on XX/XX/XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and XXXX XXXX Bank is still currently listed on my vehicle title. Also, I have letters from Santader contradicting XXXX XXXX Bank claims.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Late fee

Complaint: I had a XXXX XXXX credit card with USAA. I went online to pay my bill ( XXXX 2015 ) and it showed a balance of roughly {$1300.00}, so I paid it with my check card from XXXX. After I logged off, I remembered paying the bill previously and called USAA. I explained the situation that I had paid the credit card bill twice and would they refund my {$1300.00} that I had overpaid. They said that they would have to research the error on their part of not keeping their website up to date and issue me a check in XXXX days, and that that was all they could do. So I went to XXXX and cancelled the ACH payment and closed the account with USAA. USAA charged me {$36.00} for the cancellation of the ACH ( on a closed account ) that was paying the overage that was due to their not updating their website. They put a complaint on my credit report, even though I paid them their {$36.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Gathered my free annual credit report from XXXX XXXX XXXX. Went over information that was incorrect and called Experian to correct it. In the meantime I went over the inquires on my account, on my credit report the report shows no inquires that others can see, on Experian the report shows XXXX inquires that Experian and other creditors could see. I asked why it was only showing on their end, customer service rep said he did n't know, I asked to speak with a supervisor and asked the same question but they did n't. I asked if they could remove them from the system and the supervisor said although you can not see them, they will remain. The supervisor thought that there was an issue with the website I was on, she then asked me to look up my report on the Experian website, I did as such and it showed the same, no inquires. Supervisor said there is nothing we can do..

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 03/14/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MD).
Issue: Problems when you are unable to pay

Complaint: I had a Macy 's credit card. The account had gone into collections in XXXX. On XXXX, I called and offered that I would pay off the account in full -- however, only with the condition that Macy 's agreed to then request the XXXX credit bureaus delete the account from my credit file. The agent, XXXX # XXXX told me that if I paid the account off in full, I could then submit a " credit bureau dispute '' to their office, at fax # XXXX and request a deletion, after which they would delete the account. I paid the full balance of {$320.00} and I sent the credit dispute to Macy 's office by fax on XXXX. I called on XXXX. The agent said that they completed the review, but mailed the response to my old address. I requested that it be sent to my new address. She refused. She also said that they declined my request. Thus the initial Macy 's agent falsely promised that if I followed the steps outlined, they would delete the Macy 's account from my file. It appears that he lied in order to get a commission on the payment. This is dishonest.

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 04-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing acquired our mortgage from XXXX in early XXXX, 2015. I paid off the mortgage on XXXX XXXX, 2015 via certified check. Green Tree Serving acknowledges that it was paid in full and advised that they prepared a Satisfaction of Mortgage in XXXX and forwarded it electronically to the XXXX County Clerk 's Office. I inquired with them and they advised that it was not received. I reported this to Green Tree and they advised that they sent it again in XXXX. I inquired with the County Clerk on XXXX XXXX and was advised that it still had not been received. I contacted Green Tree daily from XXXX XXXX to XXXX XXXX via telephone and fax and received a different explanation for what was going on each time I called. On XXXX XXXX, I spoke to XXXX at extension XXXX and he advised that he would look into it and return my call by XXXX, XXXX XXXX. On XXXX XXXX XXXX, I called and was told that XXXX was unavailable but the " notes '' on my loan indicated that he sent the satisfaction for filing that day. On XXXX XXXX, I called the County Clerk 's Office and was told there was still no Satisfaction on file. I called again on XXXX XXXX, and I asked to speak to a supervisor but was transferred to the same " XXXX at XXXX '' and I had to leave yet another voice mail. I called back after I left the voice mail and this time I was advised that it was sent out electronically on XXXX XXXX. I called the County Clerk on the morning of the XXXX and was told that it still had not been received electronically as Green Tree indicated. XXXX XXXX XXXX advises that when documents are received electronically, they are filed immediately. On XXXX XXXX, I called Green Tree again and was told that they would " submit a request '' for me and that someone would call me back. I explained that when I called on XXXX XXXX and spoke to XXXX, he said he would call me back and I still have not received a call or an actual explanation as to what the problem is. The customer service rep transferred me to XXXX again, so I left another voice mail. This is completely insane. They have 30 days to file my satisfaction, not three months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credence Resource Management LLC has sent me letters stating that they are illegally trying to collect on a debt that can not be verified per law. I have asked repeatedly that they either provide proper documentation or stop collection practices. They sent me a letter again with nothing more than a Bill page from XXXX. This does not meet FDCRA practices and it is violates section 609 of the FCRA as original documentation to support the account must be provided. No contract with signature showing this is mine has been provided. When calling the original creditor they have verified that the social security number on the account is not even mine. Credence Resource is attempting to try to hurt me financially without just cause. They refuse to stop contacting me as I have informed them in writing either supply what I have asked or remove the account and move on. As of today an official complaint has been filed with the State Attorney Generals office in Texas. I am now asking that the CFPB investigate their illegal collection practices. Remember the law is very straight forward on Collection Practices. I have repeatedly asked for the original contract that they must have on file and they refuse my request or simply ignore it. This debt is not mine, I am not going to pay it and yet they keep harassing me over this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (KS).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received two unsolicited credit cards from two banks. They told that the applications were received via phone calls. I have not responded or accepted any new credit card offer via call initiated by those banks. My phone numbers were not changed in the past 6 years. They were not supposed to issue a card when there is no way to verify the person 's identity.

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 01/31/2018 about Debt collection (I do not know) with Meridian ARG Inc. (MD).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Received a phone call from XXXX stating " they were considering me fore legal action and to contact the law firm XXXX for case number XXXX '' When I called the number not only did they have my Maiden name, the woman on the phone repeatitly refused to give me any information regarding the attorney who filed suit, or the original account number or amount. She threatened me and hung up on me when I asked for additional information claiming " if i didn't want to pay then they would just go ahead and file '' I found the address of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have frequently review my credit report and know this is not a current account, nor is it een an account for the last 10+ years that's been open. The account she was trying to claim I owed on has been paid off and closed and has been for almost a decade.

Company response to consumer: Untimely response
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with BANCORPSOUTH BANK (LA).
Issue: Struggling to pay mortgage

Complaint: My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX  and made matters worse, as I am still dealing with the XXXX of my father.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: in XX/XX/XXXX, i had file for chapter XXXX due to my medical problems and include all my credit cards, medical, bills due to the fact the l have a XXXX, and the court discharge all my debts, but no matter how many times l tell them and call them the l fille for bankrupt, they still call me and report the old charges the l had '' in the pass, plus this has efected so bad the credit, the l cant even rent a apartment due to the fact the this shows on my report, now my question is were does the costitution protected one from matters like this? does the bankruptcy Abuse and prevention and consumer protection act protected us? dint the congress in XXXX XXXX signed into law by president XXXX XXXX XXXX, my question is why don the credit bureau folow the laws?

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with Clay Chapman Iwamura Pulice & Nervell (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Someone who identified himself as XXXX, who conveyed, and stated that he was at this illegal, and unjustified foreclosure sale yesterday dated XX/XX/XXXX at XXXX p.m. XXXX Standard Time at the XXXX located at XXXX, XXXX, Go to First Attachment, on behalf of XXXX XXXX XXXX and had the audacity to make a illegitimate bid for {$450000.00}, after he, and the commissioner XXXX # XXXX was properly notified, and informed about the Notice of XXXX that has been filed, and on record with the United States, State of XXXX, Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX, which is over a year ago. 
Go to Second Attachment. 
XXXX, XXXX is also listed as one of the Defendants in the active Quiet Title Civil Action Case. 
Go to XXXX Attachment. 
XXXX made an illegal, and unjustified bid, as XXXX was told, as well as the commissioner that XXXX XXXX XXXX is not a bona fide purchaser, and everything they were doing was documented, with other witnesses watching, and observing in the same vicinity as they were, and this will get reported to all who oversee this kinds of criminal activities, and witnesses are ready, willing, XXXX able to provide affidavits of everything that happened, and transpired at this illegal, and unjustified foreclosure sale. 
The Plaintiff, XXXX and XXXX, Wife and Husband, as XXXX XXXX XXXX XXXX, XXXX XXXX Simple owners singular marital entity holds legal title to said in XXXX property.

Company response to consumer: Untimely response
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans have more than doubled since I graduated because of interest. Navient encouraged me to do forbearance instead of income based repayment, and now I will never be able to pay off my loans. I was also lied to by the company. They said they put me on income-based, then continued forbearance for another year.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX ( XXXX XXXX XXXX Credit Card ). On XX/XX/XXXX, I paid credit card off in full. Credit card company charged me {$1.00} the following month. I did not get statements b/c I am paperless. Needless to say, I paid the balance off in XX/XX/XXXX and in XX/XX/XXXX, I never thought I would get a {$1.00} charge which then turned into {$67.00} in XX/XX/XXXX, due to being charged {$1.00} per month then incurring a late fee each month I did not pay the {$1.00}. When I called the CSR was not helpful, she claimed they have a rolling fee, and I told her I was not familiar with that term. She then transferred me and I was left on hold for 23 minutes. I have several credit cards and when paid off in full, the balance is zero until I use the card again. I am still not sure what the {$1.00} fee is for and I had to pay the {$67.00} and most likely my credit has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Medical debt) with Cornerstone Holdings, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/17 at XXXX XXXX XXXX XXXX XXXX in XXXX, Alaska called demanding payment on debt that they refuse to show proof of. When I asked for proof they only send a statement from their firm with no actual contracts or ER visit dates. The " proof '' that they did send had another client 's name and birth date. When asked for further proof that had my name and birth date on it I was screamed at and told that they would not provide it and demanded payment. The employee, who is female, is exceedingly rude and very unwilling to send further proof. I believe that XXXX XXXX is trying to collect payment from me in a fraudulent manner. Their representatives are very aggressive and will shout and argue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit bureaus all 3 XXXX, Equifax and XXXX XXXX would not remove Hard Inquiries when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have spoken with over XXXX representatives over the phone and I have not been able to get the proper information on resolving this issue. This agency pulled up XXXX addresses under my name and ssn that were linked to an eviction and denied me as such. I explained that I was the victim of identify theft over 5 years ago and that none of the addresses that they had were mine. My address has been XXXX XXXX XXXX XXXX NJ XXXX for over 13 years. I was told to send in a letter stating such,. I did that successfully. I was then told to contact XXXX who has the addresses listed on my report, I did that and XXXX agreeed that the info was wrong and deleted it right away. I sent them info of the deletion and was told that it was n't enough. I also sent a copy of a police report about the incident, that was still not sufficient. When I asked to speak to a supervisor twice I was denied and told they may only email supervisors and I would have to call back the next day for a response, The hold time is excessive. I have been on hold for at least XXXX minutes and even XXXX hour in some cases. I need to have these evictions records removed asap as I have to be able to secure an apartment within days. Please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed