milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me ( from A LOT of different numbers EVERY day ) every day. E V E R Y day. I owe no one anything. I had my accountant ( a few years back XXXX help me fix all of my debt problems and now have a credit score of XXXX ... who ARE these jerks???

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DC).
Issue: Problems when you are unable to pay

Complaint: I am writing to you requesting assistance with a continued discrepancy and conflict with a previous creditor. I previously filed a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA with Santander Consumer Finance USA. I made it explicit that it was NOT a request for " verification '' or proof of my mailing address, but a complete competent legal validation of the accuracy of information reported to my credit profile for entries made by Santander Consumer USA at XXXX, XXXX and XXXX. I have not received this validation or a correcting of my credit profile to date. This issue arises from an account I originally initiated with Roadloans.com for an auto loan in XXXX that was subsequently transferred to Santander Consumer USA XX/XX/XXXX. The Roadloans.com account only ever reported to my XXXX credit profile. The date of first delinquency for the account with Roadloans.com was XXXX XXXX. Following a period of delinquency with Roadloans.com from XXXX XXXX to XXXX XXXX the account was transferred to Santander Consumer USA. The account was never brought current and was subsequently charged off by Santander Consumer USA in XXXX. The Roadloans.com account was deleted from my XXXX report XX/XX/XXXX as the seven year reporting period had passed, however the Santander Consumer USA account is still on my credit report. Both entries should have been deleted simultaneously, because they are for the same account with the same terms and payment histories. They share the same date of first delinquency and should, as such, share the same date of deletion from my credit profile. Additionally, Santander Consumer USA has : 1. ) reflected payment activity on the account XX/XX/XXXX to my XXXX credit profile which is completely false ( this was AFTER they had charged off the account ) ; 2. ) reported payment activity XX/XX/XXXX to my XXXX, XXXX and XXXX credit profiles which is completely false ( this was also AFTER they had charged off the account ). It is my belief that they are reporting this inaccurate account in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account with a fictitious payment history and inaccurate information to result in a greater negative impact to my credit scores. 

I am requesting your assistance in getting Santander Consumer USA to immediately delete this tradeline from my credit profile at XXXX, XXXX and XXXX, as the date of first delinquency is past the seven year reporting timeline and the information is inaccurate or incomplete, and they can not verify the accuracy or completeness of the disputed information, as required under FCRA 623 ( 1 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with DISCOVER BANK (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I called Discover card to advise them that XXXX ( internet services ) credited {$380.00} to someone else 's account. I had no balance on my ( correct ) account and asked both XXXX and Discover to ensure that this unauthorized payment was not made. The payment was " pending '' when I called these two companies on XX/XX/2017. Both XXXX and Discover representatives ( on a three way call ) advised me on XX/XX/XXXX that the authorization had been removed and that the {$380.00} will not be taken out of my Discover account because it was unauthorized. Today, XX/XX/2017, I learned that after both XXXX and Discover representatives advised me the authorization was removed, XXXX went ahead and again requested the money from Discover and Discover charged my account for that amount, which they had just been advised was unauthorized. Both XXXX and Discover representatives were fully aware this was fraud. I have spent hours on the phone trying to get the money stolen from me refunded to my account. As of today, the money has not been refunded. I believe you need to conduct an investigation into these fraudulent practices. Discover and XXXX colluded to defraud me of {$380.00}, and caused additional damages given the amount of time I have had to spend on this matter, without a resolution so far. I am also looking into pursuing a private fraud case against both companies. Let me know what your investigation results are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Application, originator, mortgage broker

Complaint: Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable. 

The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home. 

From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.

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 04/21/2016 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (ND).
Issue: Problems when you are unable to pay

Complaint: On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon pulling and reviewing my credit reports I closed my account with    XXXX   XXXX      XXXX   XXXX   (  XXXX  CREDIT CARD ) when I viewed an alert it shows two discrepancies on my individual reports.   XXXX   XXXX   Reported that I was 30 days late in   XXXX   XXXX   but current XX/XX/XXXX and   XXXX   XXXX   with  XXXX . My Transunion report shows CURRENT XX/XX/XXXX  but late XX/XX/XXXX  and   XXXX   XXXX   on my payments. This is clearly an error and very damaging to my credit history.

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 03/15/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Santander has reported excessive late payments on my credit report. I was never 90 days late. Santander stated that they repossessed my car at 85 days late so 90 day reporting is inaccurate, furthermore it was repeatedly reported as 90 days late XXXX times from the time of repossession dating past the point of settling the account balance in XX/XX/2016. This account is affecting the integrity of my credit report and defaming my repayment even after I settled my account to try and rectify my repossession. I disputed the inaccuracy of this credit reporting numerous times and santander is yet to thoroughly investigate it or correct it to this date I have XXXX 90 day late payments on an account that I never even had XXXX causing my credit denials and unfair interest rates due to the eccessiveness of the derogatory history that 's reporting. 
I have proof of these allegations on demand for review.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection company keep reporting the same debt owed as a new collection every week on my credit report. Every week I receive a notification that this company has flagged my credit report with this same debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND EXPERIAN IN ERROR, AUTHORIZED SOFT ONLY.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.

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 repair services) with Southern Management Systems Inc. (FL).
Issue: Problem with customer service

Complaint: My situation with Southern Management is they put a debt in my credit and I explain the situation yo several times that somebody deft my identify including my taxes but I do n't know why they insist to continue with this. 
Appreciate everything to can do for help me with this particular Many Thanks

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 07-07-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with BB&T CORPORATION (NC).
Issue: Problem with customer service

Complaint: I filed a complaint (  XXXX  ) that was not addressed by the company to my satisfaction. The company withheld access to my funds f or 7 business  days costing me {$120.00} in interest expenses. When the initial deposit was made the teller stated that ther e MAY BE  a 2 day hold. They held it for 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 someone wired our money out of our checking acct.online. I received an e-mail on XXXX/XXXX/16 from the bank that I had changed my password, another that I had changed my phone number, another that I wired money out and there 's a XXXX.The amt.was XXXX wired to XXXX Bank.The bank would n't talk to me on the phone, I did n't know the password! I went to the bank and reported.I closed that acct.and opened a new XXXX without online access.I reported to the police. I was told they would refund my money within 30 days, but usually within 10 days.We had this acct.almost XXXX yrs.We are XXXX, this is our only money.I had paid bills that day.Those payments bounced, late fees are now due, I had to spend money designated to other bills to pay these returned bills.Electric co.requested it in writeing .I asked the bank manager to give me a statement that it had to be closed & is under investigation.NO, would n't give me it.I have not received any information at all.Now, besides the late fee, I must go pay cash in person for 1 year as I paid them on a closed acct!! I had to use my car ins.money, now I could lose my cars! This has been a nightmare!! I have been to the bank several times.I get no help.All they say is " it 's under investigation '' .This is ruineing us! My husband has serious XXXX XXXX, this is hurting us physically.We need help!! I was told the bank had 3 days to notify us of findings to date.We begged, could n't get anything.And that the bank had 10 business days to investagate, and then should refund us all but XXXX while investigation is ongoing.We desperately need our money now.We have late fees pileing up, we ca n't pay.I ca n't pay anything on time as I 'm still trying to catch up. We can pay our bills, but it takes all our money.We do n't have an extra XXXX to spare while the bank takes it 's time investigating.We need help!! I 'm so surprised and disgusted that the bank would treat us like this. They gave away my money, changed my password, phone number, address, without my knowledge.And now I have to beg for my money, and they could care less.Please, please help us ASAP!! Any help is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. XX/XX/2015 I noticed the check was cashed against my account. XX/XX/2015 My landlord called me and stated she still had not received the check. I then went to chase bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with chase bank XX/XX/2015 stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim XX/XX/2015. I called Chase claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. chase then told me they got XXXX XXXX XXXX to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called chase and gave them the police report information. I was then told XX/XX/2015 that chase sent XXXX XXXX XXXX a demand letter. XX/XX/2015 chase did a follow up with XXXX XXXX XXXX and XXXX XXXX XXXX stated an expected date of completion would be XX/XX/2015 XX/XX/2015 chase informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called XXXX XXXX XXXX and all they would tell me is that they denied the claim with chase. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of XXXX on me after I gave birth to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Private student loan debt) with ECMC Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On  XXXX   XXXX ,  XXXX , I rec 'd notification from a credit reporting company that  XXXX  new " collections '' were added to my credit report. The  XXXX  new collections are both the same company ECMC for student loans and were included in a Chapter  XXXX  bankruptcy that was file last year in  XXXX   XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter  XXXX . I am still in this active  Chapter   XXXX . I 've called the company and they said that the accounts are in an active collection status despite the  Chapter   XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?

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 07/13/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: After 17 years with other mortgage with no problem or dispute. note all do have office in NJ if by change any problem need to be resolve. Nationstar Mortgage enter the picture in XX/XX/XXXX, problems starts, unfair escrow practice, no office in NJ to talk in person. By pass XXXX to make calls to me XXXX times a day for months. Problems not resolve, block my payment to house insurance [ the insurance send me a refund check ], start to returns personal checks for principal & interest only. IRS form show two month short of principal & interest. House loan not going down. compound interest, charging late fee, charging property tax, Making mistake in last year escrow [ XXXX ]. Hard to talk over phone, refuse to talk to me, want only talk to my wife just because her name is on it. Credit rate went down, had to pay higher interest rate for a auto loan. Nationstar Mortgage is not a XXXX Accredited. Credit rate for XXXX/XXXX/XXXX/ done by XXXX which also pay the property tax for Nationstar Mortgage , possible house Insurance.

Company response to consumer: Closed with explanation