milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016, I went to Santander bank branch located at the following address : XXXX XXXX XXXX, XXXX, MA XXXX, to open a Simply Right Checking account. I chose that branch because I work as a consultant at a company located close by. A gentleman named " XXXX '' helped me with the process, up to a stage when he had to get approval from another department over the phone. I left the branch since we did n't get an answer immediately. He called later that day, saying my application was denied and did not provide any explanation when I asked for the reason. 
On XXXX/XXXX/2016, I called Santander customer service to inquire about the reason for my application being declined, since I strongly felt that it was a discrimination due to my nationality ( XXXX ), and they wanted to avoid me as a customer to save themselves the headache of having to deal with a customer whose origin is a sanctioned country. This is despite the fact that I am legally working here in the US and have SSN and bank accounts at other banks. 
I was directed to talk to a lady named " XXXX XXXX '', who I believe was a customer service representative. She was extremely unhelpful when I explained I have complaint. She directed me to go to the branch, even though I explained the branch did not provide any explanation and instructed me to call customer service. After some discussion, she decided to try to open an account over the phone, but then again, she was impolite in the way she would talk to me, raising her voice when I challenged her answers. At some point in the application process, she asked weird questions that had nothing to do with my application, something like " What is the astrological month of your birth '' which apparently required knowledge of mapping calendar months to those months. I provided my date of birth but explained that I can not understand why I am required to have that kind of knowledge to be able to open an account. She simply said she can not help and I should choose one of the options, and obviously my application got rejected for that reason! 
I feel it was a case of discrimination against my nationality and I hope to get a clear answer for that. What bothers me that they are not willing to express the reason for declining my application, which I think is my right as a customer.

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
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several inquiries on my TransUnion report that I did not authorize. I have disputed these several times and called and asked for them to be removed and they wo n't remove them. This are damaging to my credit.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have a mortgage since 2010 with XXXX then XXXX and Experian do not have it.. But XXXX  and XXXX have it .... I call XXXX and they said they send the report every mouth.. I call Experian and they said I have to call XXXX.. Im getting the run around from both ... Can you help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (I do not know) with Jacob Law Group, PLLC (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have been paying on this account since XXXX. My balance gets higher even paying {$940.00} the last 4 weeks. I called Jacob Law Group and spoke to XXXX and she said I needed to enjoy my BMW and I needed to pay my bills. She refused to answer any of my questions regarding why my balance is showing {$960.00} on my credit report but she is stating I owe {$2000.00} as of Today 's date XX/XX/2017. She berated me constantly saying some of the most nasty things to me that did not even relate to my inquiry about why i still owe on this account. I have enclosed all my documentation to prove this company is ripping off people and I am pretty sure the fact I drive a convertible BMW that is 7 years old has nothing to do with this account. I was diagnosed with XXXX and money was tight for a while while i was out on XXXX. She told me to ENJOY MY GARNISHMENT! THE COMPLAINTS ON THIS COMPANY IS UNREAL!!!!! PLEASE DO SOMETHING

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My first mortgage and HELOC were originated in XX/XX/XXXX with XXXX ; later bought by XXXX. XXXX sold the first lien to XXXX and the second to Greentree. XXXX modified my XXXX lien soon after the purchase ; however, I can make no progress with Greentree in understanding why I was not offered the opportunity to modify the XXXX under HAMP 2MP. Also, I am unable to get clear answers from Greentree as to whether the HELOC is still a lien on my home or is now a personal debt. XXXX Greentree rep told me it is a XXXX lien to be recovered on sale of my residence, but XXXX told me the HELOC was written off. 

It has been very difficult to speak with a Greentree rep who has responsibility for my loan. The XXXX rep with whom I spoke was outright rude and very uncooperative. A couple months ago I called the HOPE Hotline to arrange a 3-way conversation with Greentree and HOPE, in an effort to get clear, honest answers about the status of my loan. To almost every question from the HOPE rep, the Greentree rep stated he could not provide answers and directed me to contact a different Greentree representative. This is puzzling as I expect all information about my loan would be available to any Greentree rep once they verified me as the borrower and entitled to the information. 

Recently I received a letter from Greentree offering a " Tax Time Settlement Opportunity '' settlement offer of {$100000.00} versus the full balance of {$140000.00} ; payment is due XXXX. I am in no position to come up with this payment. Should I have had an opportunity to discuss my financial situation with Greentree to help determine an affordable payoff? I am not convinced that Greentree genuinely wants to work with me. 

Based on the recent reports of the CFPB investigation and the Greentree settlement, it is clear that my experience with Greentree is not unique. As a result I decided to communicate my experience in dealing with Greentree.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had 3 auto loans with the same company. All loans were paid and closed in 2013. The date of last action on my credit report should be between X/2013 and XX/2013 however i just got notice from Experian that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.

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 08/26/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan company, NationStar has not completed the following:1 ) Credited me my {$5000.00} incentive per Dodd Frank for making XXXX years of on time mortgage payments. 
2 ) Never provided me a copy of loan modification agreement at all especially XXXX with an adjustable rate. 
3 ) Never provided me paperwork showing I agreed to an adjustable rate. .. no regulation Z provided

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX our area was significantly impacted by Hurricane Irma and declared by FEMA as eligible for individual assistance. My home mortgage is owned by XXXX XXXX and serviced by Bank of America. The assistance program is established for federally backed loans to provide relief from Hurricanes Harvey and Irma. 

An overview of this program is included for your convenience. Available at https : //www.fhfa.gov/XXXX The effect of the storm has caused significant and immediate loss of income and moderate damage to our primary property/residence XX/XX/XXXX. I made my initial request for Forbearance to Bank of America. They stated that they would forebear the loan until XX/XX/XXXX with a credit hold. They then explained to me that I would have to repay the entire amount of the past three months and the month of XX/XX/XXXX. I explained that this was incorrect and did not follow the program. 
XX/XX/XXXX I called BofA mortgage assistance program and talked with XXXX XXXX who then transferred me to XXXX XXXX. During these discussions, I explained that Bank of America forbearance program does not meet the federal guidelines. They again explained to me that they would forebear the loan for 90 days and at that time I would be responsible for repaying the entire back amount and the monthly payment in XX/XX/XXXX. They also explained that the credit hold would take place during the forbearance but then the credit hold would be removed and the loan would report to the credit bureau. In essence, they are going to increase the balance due on the note for 90 days and then make it all due. They are then going to report to the credit bureau that I have an unpaid balance that is past due. 
I explained the federal guidelines published by the XXXX XXXX I clearly stated to the representative that Bank of America is not following the Federal guideline. 

I am requesting 6 months forbearance without having to repay the mortgage all at once at the end of the 6 months as per the federal guidelines.

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 04/26/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MD).
Issue: Trouble during payment process

Complaint: in   XXXX   XXXX   XXXX   I made my payment early and extra on my principle and when I did that my whole payment went a suspense account, I called to get it resolved and was told that it was. My   XXXX   statement came and still was not correct I was then charged a late fee on top of my regular payment which I was told it was going to fixed. I was then told to make the late fee payment so that they could apply the  XXXX  payment and once I did that they would reverse it out and apply it to  XXXX  payment. I have called and called spend over  40 ho urs on the phone with the company who say that they are fixing the mistake and I am told it was fixed and it was in fact not. I have been making my payments on the   XXXX   or   XXXX   of each month for the following month and I am being charged late fee and penalized for their mistakes. They are calling me today telling me that I now owe over {$400.00} in late fees and that I still owe   XXXX   payment when it was paid on   XXXX   XXXX   XXXX  . Seterus customer service reps have threatened me with reporting this as bad credit. This is not my mistake this is theirs. I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We contacted Midland Credit Management to settle outstanding credit card debt, which they purchase for the original creditor. Midland Credit Management sent us settlement letters, with settlement amounts. We purchased cashier checks in the amount requested and returned copies of their settlement letters with checks in the amount of the agreed settlement payments via certified mail. 

A few weeks later we were contacted by Midland Credit Management who stated we would need to pay the settle amounts again, because payment was not received in a timely manner. 

In good faith we made payments as Midland Credit Management requested and still we continue to receive phone calls and letters. 

Midland Credit Management did not return the payments and is refusing to show the debt as paid to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

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 05/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: They sent letters stating they would resolve the issue and they never followed through by the dates they said they would instead thet past it off to XXXX. 
They said they would modify then they sent the payments back. ( see attached letters ) They have been holding me financially hostage since 2010. I have a family to take care of I 'm a single mother and the only income earner and now have a 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
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX, I received a call from a collection agency named Credit Management, after a few minutes of research on XXXX I discovered this was a collection agency for XXXX. I contacted XXXX right away, and found out someone opened a fake comcast account under my name and there was a XXXX balance. I explained to them this was not me, I have worked with XXXX to try to clear my name from this account, which has my old maiden name XXXX, XXXX, Currently my name is XXXX, XXXX after marriage. They keep insisting it 's an identity theft, but no other accounts were opened during 6 months period except XXXX. I have never lived at the address XXXX XXXX XXXX XXXX , il, which this account is under, and from what i understand this address does not even exist. I reside at XXXX XXXX XXXX XXXX XXXX, il XXXX, i been living here for over 8 years. I used to have comcast service, and disconnected it XXXX/XXXX/XXXX, and the fake comcast account was created exactly 5 months from the date i disconnected it. I went to the actual office to disconnect my service, the XXXX office is located at XXXX XXXX XXXX, XXXX, il. I also have asked XXXX to provide me with a actual bill owed which they keep sending me XXXX. XXXX also stated that i 'm in collection, but when i ran my credit 2 weeks ago to see if there were any other accounts opened under my name the credit report does not even show the fake XXXX account. I have also asked XXXX to make sure that they do n't have more than one XXXX XXXX in their database, since my name is very common, maybe someone made an error, but they told me that my social security number is attached to it, so that makes me wonder how come they had this account opened for six months, not one employee noticed that not one payment is being made to this account, they also had me on collection they claim, so how come it does not report on my credit? Also why they refuse to send me a bill that states this is the amount that 's owed instead they send me XXXX bill, when i went to file a police report that 's exactly what the police department said, what is this this bill states you have a balance of XXXX. What 's even more interesting is that this fake account was addressed XXXX, XXXX, Il, but this address does not exist, but when i told that to XXXX they claim it des. I am a new mom this is causing a lot of stress on me. There is just something not right with this XXXX office on XXXX and XXXX, and XXXX is covering up, there possibly could be internal identity theft within this office, and there could be many more victims, this needs to be investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Ex-husband (XXXX XXXX. XXXX XXXX)  and I had a mortgage that was transferred to XXXX XXXX XXXX.  After about a year, the mortgage account was then transferred to XXXX XXXX XXXX.  The mortgage is no longer reporting on XXXX or XXXX because the very first delinquency is over 7 years old.  I have disputed this account with both XXXX  XXXX XXXX and Transunion, and to this day, neither of the companies will fix this error and remove this account from my credit file.  I have been denied credit because of the account showing I am paying a monthly payment of XXXX and that it's reporting late payments 1 in 90 days and then 120-149 days late in XXXX of 2011.  I am so so so upset because they have caused me nothing but heart aches and pain and many unnecessary denials because they fail to correct the inaccurate 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
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I am not sure what debt is from. I called company listed on credit report that state they did not report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Other

Complaint: This correspondence concerns a failed automated bill payment process with USAA Bank Signature VISA ending in XXXX. Please see the attached uploaded document for further details

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 02/22/2016 about Consumer Loan (Vehicle loan) with Thrift Investment Corp. (NJ).
Issue: Managing the loan or lease

Complaint: I called Thift Investment Corp on Friday XXXX XXXX in an attempt to payoff my car loan. XXXX was the representative I was speaking to was XXXX. XXXX advised that my XXXX pay off would be {$5000.00}. I asked how that was possible when I am paying the car off an entire year early. XXXX was having problems reviewing my account history and said he was getting his supervisor 's assistance. He then said that I was being charged more because my account was over almost XXXX ovedue each month so I was being charged " per diem '' interest. I told him I did n't understand. Here are my calculations. The original loan total would have been {$14000.00} we made 25 payments of $ XXXX {$9500.00}. $ XXXX {$14000.00}. Why would we be only saving {$280.00} in interest if we are paying the car off 14 months early. The balance of {$5300.00} minus the 18.95 % APR should yield a savings of {$1000.00}. Where is this additional {$720.00} coming from? I asked XXXX if we didnt pay the car off and paid till the end would we get charged more at the end. He did n't respond but became belligerent I reminded XXXX that I am a customer and his response " no you are n't you are a debtor. '' I then asked for a supervisor XXXX 's response " You are going to get it far worse now you just wait. '' I am very concerned about this threat because not only does this individual have my personal financial info but also my address. I do not take threats lightly I am putting this in writing as proof that I am very concerned about my financial and personal safety since I was issued this threat by XXXX. When I spoke to the supervisor he was not apologetic at all, only saying he is sorry that I felt threatened. I attempted to review the account again with him but was way too shaken up to continue. My account balance online even shows {$4900.00}. The supervisor advised that that information was not correct.

Company response to consumer: Closed with explanation