milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.

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 03/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: My Bank of America checking account which I 've had for over 15 years started charging me a $ XXXX/month service fee in XXXX of XXXX which I did n't notice until XXXX XXXX. I had never been charged a service fee before, so I did n't notice the fee until XXXX XXXX. I did n't see any notice that this account, which I had for over 15 years, was going to start charging me a monthly fee. This is a ridiculous fee when the interest returned on checking and savings accounts is almost nil today.

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 monetary relief
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc. has told us that our loan is a XXXX loan, and that their company ONLY services XXXX loans. I have proof attached that this is NOT a XXXX loan FROM XXXX. My loan needs to be returned to XXXX as Seterus falsely purchased it as a XXXX loan, as it is NOT a XXXX loan. Certified letters to Seterus and faxes have gone unanswered and ignored for months. Seterus has a terrible reputation and I do n't want to deal with this company, in particular since they have no business owning my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$300.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments This account is not mine, it was removed from my report and then added again. As a result my credit keeps decreasing.

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 05/14/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This creditor Santander is reporting a auto collection account I would like verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth financial is trying to collect a debt that 1. Has already been paid 2. Accounts were removed my my XXXX credit file in XXXX XXXX and commonwealth re added the accounts ( after removal ) in XXXX XXXX. 1. Accounts were paid 2. Accounts are past the statue of limitations on which it can collect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries that I never applied to. 
Here is the list of false hard inquiries : On XXXX : 1.  XXXX/XXXX : Inquiry from XX/XX/XXXX 2.XXXX/XXXX : Inquiry from XX/XX/XXXX On XXXX : 1. XXXX XXXX XXXX/ XXXX XXXX  : Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX/ : Inquiry From XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo accepted a payments from me then i sent them another payment and they sent it back. I have asked for a reinstatement figure. I am presently raising the money to bring my loan current. I have most of the money but will I have enough time? 

I tried to speak to Wells Fargo representative they said I have no more chances to get any help from Wells Fargo. The so called re-entry team will not even talk to me. 

After submission of over 20 or 30 documents they requested every week while I was trying to work with them each week. 

As soon as I sent them every item they requested on the list for the underwriter that changed according to them every week I had to start over. 

My house is all I have. I have tried to pay a large sum down and make payments each month to be considered for a workout they wo n't to anything to help me. 
Please help me save my house.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX Now account # XXXX amount 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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GC Services Limited Partnership (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We send seterus a check # XXXX for amount of {$660.00} on XX/XX/2015 seterus mentioned on their monthly statements checks received after XX/XX/2015 will have a late fee added on to, for sure they received the check before XX/XX/2015 but they waited until XX/XX/2015 to cash it so they can add a {$10.00} late fee to it and this was not the first time seterus has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with LEXISNEXIS (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Describe what happened so we can understand the issue ... 
I called on XX/XX/2017 to file a dispute on my report because of information that was not correct at all. It was not what was told to the company that reported it and the result was the continued raise in insurance rates even though I was a customer for years and I did n't understand why. Upon leaving I found out about the erroneous reporting. I called for the dispute and on today XX/XX/2017 I called to check status since it had been 21 days and I was told that she, XXXX the rep I spoke with, could not even find the dispute. This was outrageous! It is a way to continue to gouge customers and continue to force lies regarding people. Fact checking need to be done before reporting, it affect lives of people, because citizens have to jump through hoops to get it corrected and it cost time and money that we already can not afford. This has cost me years of money and I am already owed a refund of my current insurance pending the correction of this documentation. I am demanding compensation for this outright lie. I can not be at fault for an accident that is not my vehicle, when I am the passenger in someone else 's vehicle! It is impossible. This needs to be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a student loan that was cosigned by my grandfather. Simm Associates on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : '' Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from Sim Associates. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. " Someone from Simm Associates had spoken to my grandfather around the XXXX of XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Checking or savings account (Other banking product or service) with BMO HARRIS BANK NATIONAL ASSOCIATION (SC).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: MAJOR SECURITY BREACH by BMO Harris Bank- received my IRA statement Form 5498 along, with my statement was another individuals statement with last 4 of the soc sec # and account balances and account numbers, Home address. Upon contacting BMO Harris on X/XX/17,  concerned about Identity theft they had no process in place or what appeared to be a plan. Asked me to shred the other person documents, and that they were sending out a new statement with the corrected info. They offered credit bureau monitoring. No mention of identity theft protection which is what would be needed in this scenario, XXXX accounts impacted, this is worth a visit from the CFPB to the BMO Harris and some government fines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with AFNI INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Application, originator, mortgage broker

Complaint: We have a home loan with Roundpoint Mortgage. In XXXX we sent {$270000.00} with a request to recast our loan. We were eventually referred to a XXXX XXXX who told us to send our recorded Deed of Trust, we sent it several times. He stated in an email XXXX/XXXX/15 that he received all XXXX pages, then on XXXX/XXXX/15 he stated in an email he did NOT get them, and we sent them again. On XXXX/XXXX/15 he stated in an email he got all pages. We sent several emails asking for a status update. On XXXX/XXXX/15 he stated in an email that the processor will have documents to us by end of XXXX. We sent emails the end of XXXX asking the status as we received nothing from the. On XXXX/XXXX/15 he called our home and stated that they were waiting for us to send the Deed of Trust! He was reminded of all the above information and after arguments he " checked with his processor '' and said we would have documents by XXXX. We asked for that in writing and also to speak with his supervisor XXXX XXXX. XXXX never did return a phone call and neither XXXX nor XXXX have returned multiple requests for a status update. They have had our money since XXXX. All we are asking is to have our loan recast. Their incompetence and lack of response and follow up is frustrating and unnecessary. It is difficult to speak with XXXX and each interaction leaves us frustrated and upset. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Trouble during payment process

Complaint: i would like to file complaint against wells fargo home mortgage loan.
i have been paying my monthly home mortgage loan since XX/XX/XXXX. i noticed there is something wrong with my statement they been sending me. i requested copy of my monthly statement. it does not show where my payments are being credited, its rather confusing. everytime i called up wells will just tell me they will just call me back but they never return my calls. again, although I 'm sending my payment every XXXX day of the month starting XX/XX/XXXX to todate i can not seem to understand where my payments are being credited. these are statements they just sent meXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/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 04-11-2017 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (CA).
Issue: Account opening, closing, or management

Complaint: A person name XXXX opened an account with SunTrust on XX/XX/XXXX using my social security number, driver 's license, and pay stub. She stole my driver 's license on XX/XX/XXXX and stole my mail from my mailbox end of XX/XX/XXXX to XX/XX/XXXX. she then went online and put a forwarding address on my name to her address. I did not open an account with SunTrust. I have never heard of SunTrust Bank. I am requesting that they retract their credit check from my credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I have 30-day late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX. I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home equity line of credit with PNC BANK ending number XXXX. I filed bankruptcy in 2009 and this debt was discharged in the bankruptcy. However, they are still on the lien of my property. I realize this, and I wanted to offer a one time settlement to resolve this issue. I called PNC and received a settlement package, and submitted all the necessary documents. My settlement offer was declined with a reason DOES NOT QUALIFY. I understand I do not qualify, but there is NO REASON given to me, WHY I DO NOT QUALIFY. I am attaching the ambiguous letter I have received. After XXXX conversations with the representative at XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX, she can not provide me with reason with what DOES NOT QUALIFY mean. Evidently it is not any of the reasons that are listed on the letter. I just DO NOT QUALIFY for any reason no one knows. I want to know specifically WHY I DO NOT QUALIFY. This is too general of a reason they have given. Perhaps my investor/OWNER OF MY LOAN does not do settlements, therefore, they should never have sent me a settlement package and let me know immediately this. I am left with no workout options, because I do not want to sell my house or do a deed in lieu. Could you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX is not removing the XXXX XXXX Account which is 9 years and 3 months old. The vehicle was repossessed XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the XXXX XXXX XXXX XXXX but they are refusing to delete this account.Please ask Experian to delete this account ASAP.My cell phone number is 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 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My sisters information is on my 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CNG FINANCIAL CORPORATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (ND).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Denied credit. Freeze has been released. No response from Synchrony Bank

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 10-07-2016 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. 
I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Late fee

Complaint: PayPal credit will not tell me WHY I am not eligible for a hardship arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Managing the loan or lease

Complaint: In short, I paid off my car over a year ago and RBS Citizens has not submitted the paper work to the state to release the lien on my car. I go for a copy of my title and the State is telling me that there is a lien on my vehicle. I call RBS Citizens and they tell me that I have to pay to have a copy of the lien release letter sent to the state. They also claim that they sent the release letter to the state and they have n't sent it. Neither have they sent me a copy of my title.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company I am complaining about is called XXXX XXXX. I make monthly payments to them. Unfortunately, due to unexpected expenses I was not able to make my XX/XX/XXXX payment of {$27.00}. I have been on time previous to that. So, a late charge of {$36.00} has been added to my account which I was aware would happen and planned to pay what the amount due is on XX/XX/XXXX which is when I get my next XXXX check. They started calling me on XX/XX/XXXX. I called them on XX/XX/XXXX and explained my situation and told them when I can make a payment. The man I talked to was aggressive and kept interrupting me. But, he finally said he would note my account when I will make a payment. Well, the calls have continued twice a day and they even sent emails. I unsubscribed from emails but the phone calls continue. And, when I have answered the system hangs up on me. Sometimes a recorded msg is left on my voicemail and sometimes it hangs up when my voicemail is activated. They are using up cell phone minutes in addition to harassing 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 non-monetary relief