milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I challenge the adverse account designation of Santandar and its predecessor, XXXX XXXX XXXX, on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by XXXX. XXXX violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but XXXX transferred the account to SANTANDAR, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had called XXXX and was informed that they were transferring the account to SANTANDER CONSUMER USA and that their computer system had problems in the transfer during the months of XXXX, XXXX and XX/XX/XXXX. 

XXXX indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when XXXX transferred their accounting files to their new partner, SANTANDER. 


SANTANDER CONSUMER USA ( Herein " SAN '' ) took over the account of XXXX overseas and with the transfer came a host of problems. New rules and dates for payment were instituted which were not conducive to my payment schedule. I provided for extra funds to be in my account to accommodate the transfer of account by SAN from XXXX. Problems occurred when unauthorized and untimely electronic withdrawals were taken without my consent, as they were not scheduled deposits I had arranged and agreed to. 

These unauthorized and untimely payments were taken on the following dates:XX/XX/XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I took a test drive at XXXX IN XXXX, ARKANSAS on XXXX XXXX, 2015 and specifically ask if they would run hard inquiries because I just recent had the last XXXX removed. They said " no hard inquires would be ran '' and they had XXXX banks run hard inquires which lowered my credit score XXXX and assumed 2 year expiration period. I did not authorize any hard inquires. Can you please help. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification in XXXX. It took two years to complete because Wells Fargo did not read the faxes I submitted. This cost me thousands of dollars that was added to my VA financed loan. The modification was finally approved in XXXX XXXX. This placed my home up for foreclosure. I started payments in XXXX XXXX where Wells Fargo continued with the foreclosure my home was foreclosed on. The proof is public record in XXXX County Fl. I have been trying to get my home deeded back into my name so that it will be affordable since XXXX when I found out it was no longer deeded in my name due to a foreclosure in XXXX XXXX. Wells fargo has taken payments and no one knows how to get the deed titled in my name again. Because I am a XXXX veteran I am due tax breaks that would reduce my mortgage payments drastically and Wells Fargo, who is known to have defaulted and not worked with VA backed loans illegally still will not have my home deeded in my name. If I pay this home off tomorrow it will not belong to me. No one at wells fargo seems to think that my home was ever foreclosed on and does n't know where to send me to get it titled in my name. This is costing me more money. If I default on this loan I will be a homeless veteran with a child. Due to Wells fargo refusing to assist in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a letter to the XXXX County XXXX in Michigan disputing a report of a tax lien that has been reported on my credit file. I requested validation of this debt and the clerks office sent back a letter stating they did not report this information to the credit bureau. I in turned sent a copy of the letter from XXXX to Transunion to have the tax lien removed. As of this date, nothing has been deleted. I advised Transunion of as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). Transunion communicated that this debt has been validated but did not show me how it was validated, they did not send a signature or anything.

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 04/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Dear XXXX ; Complete failure again by your company leaves me both powerless and victimized. 
This note is to inform you that yet again Green Tree fails to keep good accounting records and provides zero customer service. 
I have no faith in your ability to carry out basic business practices and repeat my request to please sell my mortgage to another company that may value me more as a customer. 
For anyone unaware of what has happened and continue to happen. You need only to look at statements dated XXXX/XXXX/2015 & XXXX/XXXX/2015 where the principal balance remains exactly the same. Please note the amount due in both statements are vastly different. This is a clear action by the company to withhold my payment to gain more interest. How is the evident? The company gets automatic payments twice a month from my bank account and has for many years. It should be impossible for there to be a late payment or for the principal balance to remain the same from XXXX statement to the next. I 'm making XXXX payments within a billing cycle and Green Tree withholds the payment for financial gain. That is theft. 
Most recently I contacted your customer service phone line where a representative could not explain the error in statements. She claimed a corrected statement would be sent to me within 3-business days and that would have been XXXX XXXX, 2015. It has yet to arrive. When asked how I could trust the value on the pending statement to be accurate since the last one was not, she could not provide an answer. Upon my request she transferred me to a supervisor and that line never led to a human answering the line. 
A copy of this note is being sent both the Federal Trade Commission & the Consumer Financial Protection Bureau. It is important to note I will also reach out to various lawmakers to seek some kind of solution that prevents this powerless situation where a customer is held hostage by a bad company. 
Very disappointed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loans have an extraordinarily high interest rate and I am not able to refinance them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with Debt Management Incorporated (NY).
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 a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (I do not know) with AMCOL Systems, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they call and send letters and they can not tell me who the debt is with

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ERC hounded me for months for account that was n't mine. It was XXXX account that nobody can provide me with any information on! Account number belonged to someone else! XXXX said it was someone elses XXXX account. ERC hounded me {$48.00} and reported me to XXXX! I paid ERC {$62.00} in XX/XX/XXXX they agreed to remove it from my Credit report!! Now XX/XX/XXXX and it 's not removed! Called them again and they say Sorry that I have to wait another 45 days to remove it! It 's been paid for in full plus Since XXXX! This account was n't even mine.Can you please help me? How can they do this? They agreed to remove the whole thing! It was n't my bill! But easier to pay it than try to fight it. HELP!!! Thanks Its ERC out of XXXX Florida.Im a XXXX . This is my reputation on the line I Pay all my bills! and this {$48.00} collection account is ruining more than my Credit! Been fighting this for years and PAID it just to get it Off my Credit report!!! HELP how can they do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a multimillion dollars corporation.In the meantime they are messing up my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Hello, I got an email yesterday from Equifax asking me to enroll in TrustedID XXXX due to the hack into my information. When I tried to enroll, it said that I was enrolled already. When I tried to login it gave me an error message and said to call customer service at the XXXX number. When I called, I got a message saying it is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with Performant Financial Corporation (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This collection company "  PERFORMANT '' su bjects me to multiple RoboCalls every week at my place of employment. I work for an   XXXX   XXXX  . On  one occassion  I permitted the RoboCall to connect me with an agent whom I informed they are violating FDCPA rules of how, when, and where bill collectors can contact debtors. That they are contacting me at my place of work, which is a  XXXX , an   XXXX   XXXX   XXXX  , and I also informed their agent my employer does not permit such incoming calls to their employees. And finally, I informed their agent that I had retained an attorney to represent me in Bankruptcy filing and gave her my attorney 's information for all future attempts at contacting me. Unfortunately, the RoboCalls continue every week.

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 03/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX needs validation of debt done, he last payment is misising full payment history if there is any is missing, i have asked for verification before and it was ignored. my fcra rights have been ignored for full and accurate reporting. 
DATE LAST PAYMENT MISSING DATE OPENED MISSING DATE CLOSED MISSING

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Application processing delay

Complaint: My attempts at securing a travel rewards credit card with DISCOVER were a joke. 

They requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. 

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. 

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. 

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. 

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. 

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. 

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. 

CONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ 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 07/30/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Here is basically what I have sent to the Attorneys for XXXX XXXX XXXX and Caliber : I would like to propose a settlement solution for both XXXX XXXX XXXX and Caliber. I sent a timeline and XXXX exhibits ( I have uploaded ) to show you what occurred for these two and a half years when my husband and I were trying to modify our loan. My attorneys did not use this information ( which I was very angry about when I found out ) in the case, and, I believe proves the dual tracking and violates the Homeowners Rights law. If you had a chance to look at the timeline along with the letters and documents ( uploaded ), I think you will agree that there was total confusion when XXXX XXXX XXXX sold the service rights to Caliber during our modification process. All along I believed we were going to get that modification because our income was XXXX higher than when we first got the loan in XX/XX/XXXX, and we had excellent credit. It was just a matter of persistence. 

You can see by my timeline that Caliber was trying to foreclose before they were officially recorded with the XXXX County clerks office on XXXX XXXX, XXXX ( see timeline and exhibit ). However, we were told that Caliber was the servicer as of XXXX XXXX, XXXX ( see timeline and exhibit ). After I was told that we had to start the application process all over again with Caliber, I immediately turned in a XXXX page application with documents and another XXXX documents sent on XXXX XXXX, XXXX ( see timeline and exhibit ). When I tried to speak with someone at Caliber about the application I was told that there was little information at the moment because they were in the process of XXXX XXXX XXXX turning over all the loan information to Caliber and to call back later. It was total confusion! This was only one month after the service rights were transferred ( but was not recorded until XXXX XXXX, XXXX ). We had no time before the sale date to even appeal. We were denied on XXXX/XXXX/XXXX ( see timeline and exhibit ) three days before the trustee sale. It should have been 30 days later according to the law. 

I am XXXX years old and in the process of my divorce. My husband walked away leaving this foreclosure issue all to me and washed his hands of it. We are going to trial on XXXX XXXX, XXXX and will be divorced. The reason I filed for bankruptcy is to stop the foreclosure process and I legitimately want to restructure my debt and pay back my creditors. I have received a short sale offer with an approval that I would like to see close, but the foreclosure is on XXXX XXXX, XXXX and we need to know its stopped. I also have a back-up offer as well. Please stop this sale we can close this sale. 

Please read the uploads regarding the timelines and exhibits regarding the Lenders violations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (WY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: National Enterprise Solutions is calling my employer every day. One day they refuse to leave a message for me. The next day they say that I better call them back or legal action will be taken against me. I work a graveyard shift, so I am never at work when they call there. They have not contacted me at my personal number or by mail. They are just harassing my employer.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Arcadia Holdings, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX placed a collection account onto my credit report for {$370.00} XX/XX/2017. This account was previously removed. According the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had my identity stolen and several Credit Cards opened in my name. XXXX of those was a Kohls card. I called and talked to a person at the fraud department at Kohls and explained what happened. I filled out all the paper work and was told they would investigate and it would be cleared up. This account was opened in a city over 10 hours away from me in a store, by a person with a fake ID of me. They told me it was clear I had not opened this account and that it would be cleared up. However the account was never removed and is now delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX report states that I have an account in collections with Midwest Recovery Systems LLC for XXXX XXXX for an open date of XXXX XXXX XXXX for the amount of {$710.00}. 

When the item first showed up on my credit report I disputed with the collection company. When I received no response I then sent an email to XXXX XXXX. Again, no response. I most recently had spoken to an XXXX member in XXXX of this year about the account because I had at this point been filing for a loan with XXXX XXXX which couldnt be approved because, for some reason XXXX couldnt give me, I could not file a direct dispute with them online and I was told all of the information XXXX has for my file is outdated. I have been trying to get in touch with someone from that end to update my file. Even after going through their rigorous game of 60 questions and proving my identity. 

I have never had an account with XXXX XXXX. 

I had never received any letters from them nor from Midwest Recovery about any supposed debt. 

And I most certainly did not receive any notice that any such debt would be placed on my credit file. 

I want this gone. I do have genuine debts that do belong to me and that is bad enough as it is.

Company response to consumer: Closed with explanation