milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option.

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 08-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My goodness I have been through it with getting information on my Credit Report changed. XXXX, TRansunion and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on two occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX, my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the " interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed, I contacted mortgage company and asked for a forbearance, I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition, the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX, I received a denial letter for my loan modification. Their treatment in my opinion has been unfair, unjust and illegal. I think that the original loan was PREDATORY. I am in the process of appealing the modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (SD).
Issue: Account opening, closing, or management

Complaint: on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, the PNC Bank branch in XXXX, New Jersey allowed my family member to make a deposit into my checking account. This is an unwanted deposit. I do not want any type of " friendly " deposit allowed into my personal banking account. This can not be allowed. I did not want the deposit and the information should NOT have been shared. My family member now knows my banking account information and received it directly from the bank teller.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I opened a XXXX XXXX Bank account # XXXX on XXXX/XXXX/2011. The payment " history '' on my account is incorrect and needs to be fixed ASAP as it effects my credit score. Currently Experian is only reporting 2 years of " payment history '' and there should be 5 years and 4 months. Please correct this error ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with Vengroff Williams, Inc (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The issue id from a year ago and the company is trying to bill me for charges that are not valid I was quote one price over the phone and when I return the car they bill me for a higher amount in which I did not agree to. They also bill me for charges for gas in which I fill the tank according to what was stated in the agreement. I then spoke to a manger and they stated they were going to take off the charges. Now on X/XX/17 I receive a notice from a debt collection agency stating that I owe a balance of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with American Coradius International LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling for debt on person that is not me. I have advised them that I am not that person and to take me off the robocall list and they continue to call me EVERYDAY. Disruptive and flat out harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I had a minimum payment due of XXXX. I made the payment on XX/XX/XXXX. In reviewing my account online today I noticed I got charged XXXX on XX/XX/XXXX for a late payment. I don't dispute my payment was late by two days only the fact the payment was withdrawn on the exact date the payment was due. I took a screen shot of my account for proof of the charge on the incorrect day. My statement should have shown the late fee being processed after the due date. I also had a interest charge on a purchase in the amount of XXXX on XX/XX/XXXX that I'm not sure what that is from.In addition, to prevent a future charge because my record shows ontime responsible use and timely payments. I used the option to change my billing date. In reviewing that, It states it can take up two months for this to activate due to one full billing cycle needed for the change. My charge card is for repairing credit, it is a backed card, I also have a XXXX card that is responsibly used. My credit is currently in the average range and my XXXX  card will convert to a regular card after a few more months. I hope to keep doing business with Capital One and with the success of FICO information online for credit building, as well as the Texas Corporation Money Management counseling I received .In addition I did lots of research. But, I'm still learning too. I hope these things brought to your attention will help all of us. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Nationwide Credit Corporation (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX 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 04/24/2015 about Debt collection (Payday loan) with Solidus Group LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted by phone on XXXX/XXXX/XXXX by a debt collector with " Clear Credit Services '', XXXX, claiming to represent XXXX XXXX for an outstanding balance of {$5000.00} from XXXX and XXXX, original account # XXXX. The representative was very aggressive and repeated, " why did n't you pay this, now we have to report you to the XXXX County authorities and have you arrested and prosecuted for fraud! '' I was stunned by her statements and allegations, and told her that not only was she out of line for making such outragous threats but that she was breaking the law, but she did not seem to care. I hung up the phone, then was called again, same representative scolded me for hanging up. I told her I needed written confirmation of this debt and I was transferred to a " Settlement Director '', who later emailed me the attached demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Medical) with The Affiliated Group, Inc (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Affliated credit Services calls me repeatedly. I made payment arrangements with them back in late XXXX early XXXX. They have continued to call me as if I 've never made those arrangements. When I tell them I have they check their files and can clearly see I have. It 's " been sent on to a supervisor '' twice now. I 've told them I 'm filing harassment charges. I have phone records on both my cell and land line to prove this. They need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went into a branch with my kids to make a deposit into their minor savings accounts. They both had a check from grandma and loose change ( @ {$6.00} for one and @ {$26.00} for the other ). I was told I had to provide my ID in order for the cash to be accepted. There is no regulatory requirement for this requirement and it is more than intrusive. I hardly think my kids are head of a money laundering ring with deposits less than {$30.00} in cash. Furthermore, no ID would be required if an ATM had been used. I believe that this is an XXXX issue as many individuals with limited means may not have the requested ID and be blocked from saving and access to financial services. I understand that large dollar amounts enable the tracking of funds that could be connected to illegal acts. I do not see how tracking {$6.00} into a minor savings account will save any lives.

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 11/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: i am under unlawful foreclosure practices and I am about to lose my home due to duadual track I request a qualified written request and they said they have theright to reserve this information for their own, I steal waiting for a responseafter the denial of XXXX modification applications under the HAMP programthey did a payment plan ones under their in house program and let me the paymenthigher than it was at the beginning of the loanthis is about the XXXX complaint that I send and it seem that you help the bank toorganize their fraudulent procedures the comiunication with CONSUMERFINANCIAL BUREAU IT IS NOT WORKING ON THE CONSUMMER BEHALFI CALL AND THE AGENT ON THE PHONE SAID, " I CA N'T GIVE YOU LEGALADVICED " I DID NOT CALL TO FIND LEGAL ADVICE I AM REPORTINGA FRAUDULENT ACCITONS FROM A COLLECTION AGENCY ACTING XXXX BANK AND THIS COMPLAINT FORM DO NOT ALLOWED TO ATTACH ANYDOCUMENTS AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe this debt. I asked for information under the fair reporting act. Also requested on a number of occasions information to verify account information pursuant to [ Section 609 ]. All lawful verifiable information must include the signature of party in contractual agreement. The contract must be valid pursuant to NJ State law as well as to the Uniform Commercial Code. This company refuses to provide proper documentation and verifiable information pursuant to law and are in violation. The document forwarded to XXXX XXXX XXXX 's agency did not offer a signature, nor a copy of any verifiable information and must be removed. A cease and desist must be in order. This company 's practice is obstructive to my ability to obtain credit and they do not have my permission or authorization to report to any bureau.

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 10/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Ditech began charging me a late payment charge last month that they had not previously charged. I rely on my monthly Social Security payment to pay my monthly mortgage, and I do not receive my Social Security payment of {$2500.00} until the third Wednesday of each month which means I do not pay my mortgage payment of {$1300.00} until after the XXXX of each month. Last month they harassed me with about seven phone calls, and I finally answered and told the woman to quit harassing me because I could not pay before I received my Social Security. This month, Ditech decided to begin charging me a {$26.00} late fee monthly.

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 08/19/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Complaint #  XXXX  - I have not received any documents from my request of  XXXX   XXXX ,    2017  this is an QWR and Debt Validation request sent to  : OCWEN Loan  Servicing, LLc and  XXXX   XXXX   XXXX .     No answers just copies of a appraisal and copy of the canceled Note? This is not the answers asked under the QWR and debt validation letter sent to both companies. This has been ove r one mon th now.     Complaint #  XXXX  - No answer yet to my question. This has been over 1 month now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We got our washer and dryer through XXXX XXXX in XXXX, TX., and originally it was financed through GE Capital . Synchrony bank took the account over, and then sent it over to a debt collector. We did NOT receive notice of right to dispute, not have we ever received enough information to verify the ALLEGED debt. Honestly, we have not received a statement from them in over 5 years, 3 months now. I just got off the phone with them, and I asked them when the last time I made a payment was. The guy I talked to on the phone stated it was on XXXX XXXX, XXXX. 

THAT WAS AN OUT RIGHT LIE BECAUSE IT 'S NOWHERE ON MY BANK STATEMENT! 

THE LAST PAYMENTS I SEE FOR XXXX XXXX, WAS BACK IN XXXX, AND THAT 'S THE ONLY YEAR I SEE PAYMENTS FOR XXXX XXXX EVEN LISTED. The guy I talked to said that the amount was {$200.00}. SO, I SEARCHED FOR THAT AMOUNT ON MY BANK STATEMENS ON THE DATE HE GAVE ME, A {$200.00} PAYMENT WAS NOT LISTED ON THAT DATE, ANYWHERE IN THE MONTH OF XXXX. THERE WAS HOWEVER, A DEPOSIT {$200.00} MADE ON XXXX/XXXX/XXXX. 

THEY HAVE NOT BOTHERED TO GET IN TOUCH WITH ME IN OVER 5 YERAS NOW, NO CALLS, NO STATEMENTS, NO CONTACT WHAT SO EVER. TEXAS HAS A 4-YEAR STATUTE OF LIMITATIONS FOR DEBT COLLECTIONS, THEREFOR THE ALLEGED AMOUNT IS HEREBY TIME BARRED, WHICH MEANS THEY 'RE TRYING TO COLLECT ON A ZOMBIE DEBT, WHICH BY THE WAY IS ILLEGAL! FURTHERMORE, THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! 

AND, WHEN I CALLED THEM TODAY, I AKED THEM TO SEND ME STATEMENT COPIES OF EVERY PAYMENT THAT WAS EVER MADE, FROM THE TIME THAT I OPENED THE ACCOUNT IN XXXX, UP UNTIL NOW, AND THEY REFUSED TO DO SO! THEY TOLD ME THAT THEY COULD N'T DO THAT. WHY? 

BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THAT THEY CA N'T LEGALLY COLLECT IT? 

WHY CAN THEY NOT SEND ME STATEMENT COPIES? 

ARE THEY AFRAID THAT I MIGHT FINE OUT WHAT 'S REALLY GOING ON? 

LIKE HOW THEY ARE RE-AGING THE ALLEGED DEBT SO THAT IT CAN GO ON MY CREDIT REPORT? 

OR THAT THEY LIED ABOUT WHEN THE LAST PAYMENT WAS MADE? 

OR IS IT BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THEY CA N'T LEGALLY COLLECT THE ALLEGED AMOUNT THEY CLAIM I OWE? 

HMMM, SOUNDS A LITTLE FISHY TO ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation