milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have purchased a car from XXXX in XX/XX/XXXX.  My car was repossessed in XX/XX/XXXX. My loan term was originally 60 months and now it is showing 80 months. I fell on hard time because of a job layoff. Since my car has been repossessed I have not gotten any written documentation from Santander about where my car was taken and what the next steps were and where to go to get my personal belongings from the car. I have contacted Santander asking for validation of my debt on XX/XX/XXXX and was told they would send me a copy of my contract within 10 business days which I still have not yet received. Upon checking my credit report there is an address listed that I have never lived at nor do I know where it is located. My credit report changes every month on the amount I owe Santander. The status one month it will show XXXX and the next month it will show XXXX and now it is showing a balance of XXXX, it will also show write off due to bad debt and then it will be changed to late payment and now it is showing closed/ charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Closing on a mortgage

Complaint: Original Complaint with CFPB : XXXX In our original complaint, we detailed how JP Morgan Chase wrongfully charged us escrow fees in the amount of {$8600.00} and {$470.00} upon closing our house on XX/XX/XXXX. They also did not credit us for the {$500.00} in Good Faith Funds paid. In the original response, Chase submitted to us and to CFPB on XX/XX/XXXX the following assurance in writing : " We are refunding your {$500.00} Good Faith Funds, as well as the escrow amount that you paid at closing. {$470.00} for county taxes [ that was actually prepaids for property insurance ] and {$8600.00} for property insurance [ that was actually for property taxes ]. We are refunding the {$500.00} Good Faith Funds through regular mail. You should receive this check in the next 7-10 business days. For the escrow amount that you paid at closing ( {$470.00} for county taxes and {$8600.00} for property insurance ) [ Chase again misrepresented the funds and the {$470.00} was for property insurance and the {$8600.00} was for property taxes ], you will receive another check by mail with these two amounts combined in the next 7-10 business days. '' On XX/XX/XXXX we received a single payment from Chase in the amount of {$8600.00}. It did not include the remaining {$470.00} they assured they would refund in the previous response. I called the Chase Mortgage Banking Executive Office at XXXX on XX/XX/XXXX to inquire about the missing funds in the payment. Their representative stated that they were investigating the {$470.00} and would not be returning that portion of the overcharges until they completed their review. We have waiting an additional week for them to return the full amount that they had previously assured us they would refund and have not done so. Furthermore, we have not received the check for the {$500.00} in prepaid Good Faith Funds that were not credited to us on closing. 

Chase has lied to us and to CFPB by not following through and their assurances and refunding the escrow charges. 

Please help us so that we may receive the full amount due to us, which is still {$470.00} remaining from the mischarged Escrow and the {$500.00} in prepaid Good Faith Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed several disputes with the all three of the CRA 's and have also disputed directly with XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the XXXX time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A settlement agreement was made with XXXX ( XXXX ) to settle and pay my balances. I paid the balances and made the settlement and my credit bureau accounts are not showing the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (LA).
Issue: Taking out the loan or lease

Complaint: Completed chapter XXXX everything still remain on my credit reports so I ca n't get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Medical debt) with AVANTE (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX medical doctor.. I have had insurance for all these doctor bills

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Federal student loan debt) with Franklin Collection Service, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I HAVE CONTACTED XXXX SEVERAL TIMES ABOUT THE INACCURACY OF THE STUDENT LOAN THAT ARE REPORTING AND THE ACCOUNTS THAT ARE NOT MINE!!! I HAVE SENT THEM NUMEROUS OF CERTIFIED LETTERS WITH ALL THE INFORMATION THEY ASKED FOR TO VERIFY THAT ITS NOT MINE AND THEY STILL REFUSE TO REMOVE THE INFORMATION!! I SENT MY ID, SSC, BANK STATEMENTS,, ETC. AND STILL NO RESOLVE. I SENT LETTER AFTER LETTER STARING FROM YEARS AGO WHEN THE FIRST ACCOUNTS WAS REVEALED AND THEN I SENT LETTERS IN XXXX AND AGAIN IN XXXX AND STILL NOTHING. I JUST DID N'T KNOW WHAT ELSE TO DO UNTIL I HEARD ABOUT CONSUMER FINANCIAL PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: After purchasing an item on XXXX on XXXX/XXXX/15, I clicked on the " Go To XXXX '' link. Instead of then being allowed to choose my payment option as had always been the case previously -- including twice the very day before -- my XXXX XXXX was charged WITHOUT MY AUTHORIZATION. Upon realizing what had just happened I tried for appx XXXX hour to void the transaction and pay by my usual method, to no avail. I then tried to contact the seller but he was away and by the time I received a response his assistant had already shipped item. XXXX and PayPal customer service, when finally reached, were, not surprisingly, no help whatsoever. Not wanting to alienate the seller after the item had already shipped, I sent a second payment through PayPal on my regular credit card, and then disputed the original unauthorized charge. Charge was temporarily removed pending the investigation, whereupon I was asked to submit documents, which I did, faxing conclusive proof that the seller had been paid as I had originally intended, but the unauthorized charge was reinstated anyway, despite the seller now having been paid XXXX. Countless attempts to deal with the company directly have gone absolutely nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (OH).
Issue: Application, originator, mortgage broker

Complaint: I was working with XXXX XXXX way before he came to Envoy Mortgage Company in fact I think he had switched jobs twice before landing at Envoy. XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX. When he landed his job at Envoy he was determined to help me get a refinance loan. He worked very hard and then just gave up on me, we miscommunicated with phone calls and documentation, he kept saying due to my not getting documents in time over to him but in reality I think he kept them on his desk and let them set, not once but three times did I have to give him documents that he already had. I finally gave up on him in on XXXX XXXX, XXXX and asked for all my paper work back, his last email sent to me was dated XXXX XXXX stating he returned my documents, I 'm still waiting for those documents. I have sent him several emails and no response. His information : XXXX XXXX XXXX : XXXX XXXX # XXXX Envoy Mtg. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX. Cell phone # XXXX, XXXX # XXXX and Fax XXXX. 

It should not take over three months to get a loan. He started Envoy around XX/XX/XXXX and yet I 'm still waiting for documentation. I 've called several times, emiled countless of times and yet no response. I want my paperwork back.

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 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to purchase a phone from XXXX and they told me that my credit was badd and I had to put down a huge deposit. This sparked my curiosity about my credit because I am XXXX and never put anything in my name. So I went to credit karma to try and get my credit score and it kept saying my personal information I provided did not match the records. Then I went to Transunion to request a free report and it told me that my personal information was also incorrect. My name, birthday and social I entered I know is 100 % mine and correct.

Company public response: Company chooses not to provide a public response
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: The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Payday loan) with Admin Recovery, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I ordered a shaver from a wesite called XXXX, basically the seller is XXXX. XXXX XXXX I used my debit card to make the purchase for {$54.00}. The seller used XXXX to make the delivery, as incompetent as XXXX is, they failed to follow simple directions on just basically to contact me to buzz them inside my building to gain access. Of course they failed to do so. I 've been asking for a refund for over 12 days now just going back and forth with these people. I do n't know what else to do. I do n't normally do this but im asking for help here. The seller which is XXXX of XXXX 's webits is saying we will issue you a refund once the item is returned from XXXX. I never received the item, XXXX has the item, what if it doesnt get returned for months, what if its lost, why am I waiting for this, why am I out almost {$55.00} because someone failed to do their job. This is unreasonable, and I 've been demanding for a refund for over 12 days now through phone calls and emails, please help me!! I do n't know how many people they are doing this too, its sad honestly, I hope no one goes through what I have, I 've lost countless hours on this, its not about the money anymore honestly, its about principle here and doing things right in an ethical manner.

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 02/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TaxServ, LLC (PA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This company is claiming taxes owed on a vehicle from over 10 years ago. I have never be contacted by the city of XXXX XXXX for any balance due and have n't lived in Connecticut for over 10 years. They demand supporting documentation but do so knowing no one keeps tax records from over 10 years ago. This is a blatant attempt at a money grab and they should be shut down. I do not owe them money and I do not owe XXXX XXXX any taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Send 3 letters to XXXX, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Diversified Consultants my mail XXXX XXXX, 2017 asking them to validate/verify 2 accounts listed on my credit report, one for XXXX for {$97.00} and the other for XXXX for {$1700.00}. My letter asked them to validate/verify that they have a contract with my signature to show that I owe them. Their response was sending me identity theft paperwork. This is not what I requested. If they ca n't provide me this information by law these accounts must be deleted from my credit report.

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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a major security breech & I was identified as one who 's information has been compromised by the hack. As a credit reporting company, it 's their job to make my information secure & take precautions to make sure adequate security is in place to protect that information. Especially when our information is obtained by Equifax automatically as it is with all Americans or persons living in this country & part of the credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX Acct # XXXX in the amount of {$630.00} has been on my credit report since XX/XX/2008. This is well past seven years. This should not be on my credit report any longer. However, Experian refuses to remove it despite me calling or complaining. THIS IS AGAINST THE LAW!!!!!! All they do is keep adding unnecessary comments on my credit file under this account.

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 06/17/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Wrong addresses. precious wong name listings. As well as current name. Debt for student loan that has been paid since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EXPERIAN HAS VERIFIED IN XX/XX/XXXX a false DOFD.THE CORRECT DOFD ON XXXX CREDIT # XXXX ... IS XX/XX/XXXX.IF THE DOFD WAS CORRECT THIS ACCOUNT COULD BE REMOVED FROM MY REPORT NOW. 
ALL XXXX BUREAUS, EX, XXXX, XXXX report a dofd different from each other, all XXXX bureaus report a radically different payment history.all XXXX bureaus have been recently " verified '' with different information.

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