milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX are still reporting outdated incorrect information regarding Santander Consumer USA. I do hot have a balance with Santander Consumer USA of any kind. The balance should be XXXX. Santander has not reported any updates since XX/XX/2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX  account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/2/17 a debt validation was sent to the company to validate the debt, in the mount of {$390.00}. and the company didnt send the proper information as far as a signature or a binding contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a message from you on XXXX indicating you had received a response from Citibank. But when I opened it, it merely repeated my updated complaint ( XXXX ). I receive the attached form letter as often as three times a week XXXX XXXX XXXX. I made a timely reply XXXX ) but then I recieved a letter from another party at Citi XXXX who copied you. As always, I can never assume the info I send to Citi is properly recorded. Often, it takes weeks before Citi acknowledges receipt. By then, it often imposes additional requirements ( I noted that when XXXX XXXX was assigned in XXXX, the process started anew as though I had not submitted all the info the previous three months

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient charged off a loan i have been paying on that i was promised was included in my IDR ( income driven repayment ). I make payments about 2 months in advance. Originally it was charged off to  XXXX ,  XXXX   XXXX   XXXX  I was told they had had the loan since  XXXX . But i was never informed of this, i 've lived in the same home since  XXXX  and have had the same phone number since  XXXX . Navient apparently recalled the file from them on  XXXX   XXXX   XXXX , but charged it off to a new company in  XXXX   (  while this company still had it and while i 've been making payments to Navient ) I am now being hounded by this new company and i refuse to pay them while making payments to Navient. The new company has received proof that i have been paying Navient and agrees i 've been paying them, but because Navient is not putting the money towards the loan they charged off to this new company i am apparently responsible for both files ... I refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I believe after much research this has to stop. Upon reading I feel so bad for these peoples families that have been financially crippled.. they are either hacking into the government system or they are paying people ( MOLES ) that work in these Banks to look people 's information up and supply them to Pressler and Pressler.  There is absolutely NO WAY, they could get your personal information. 
Judgements are being placed against consumers without them knowing, I would sware o the XXXX I do n't know what it is, they are levying, garnishing wages its terrible without any fair notice and its out of control. They are trying to garnish wages ... the funny thing is, when you try to get information from them about the debt, where it 's from ... they give you no information. They are and we will get it from you. its truly amazing this is where we stand together : 1st sign this Petition against them : XXXX XXXX XXXX 2nd file a complaint with the Attorney General 's Office, do a search for your state and file a complaint.
3rd file a complaint with the FTC : http : //www.ftc.govXXXX 4th file a complaint with the BBB : o information on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Vehicle loan) with MARINER FINANCE, LLC (MD).
Issue: Managing the loan or lease

Complaint: XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Mortgage (FHA mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Struggling to pay mortgage

Complaint: After having XXXX XXXX go XXXX a major diasaster XXXX XXXX, the bank is offering a moratory of 3 months and then we have to pay the 3 months in XXXX XXXX or go XXXX a loss mitigation process that does not aliviate our diaster process. Some of XXXX have also lost our jobs or have to start from scratch and the bank does not offer a process in order to move these payments to the end of our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: I do n't know how many times I am submitting complaints to this bureau about Wells Fargo regarding a property that I bought in XXXX. It has been the same thing : the round around from Wells Fargo with no resolution. I deal with a lot of companies, which care of their name and reputation. They always end up listen to me and work to resolve any problem that comes up, but with Wells Fargo my complaints fall on deaf ears. XXXX representative told me that he is well aware of my issues but stopped cold turkey to help me. Basically Wells Fargo is not accountable for their actions and it seems nobody can stop them. 
For the past couple of days attorney XXXX XXXX and a lady by the name of XXXX from XXXX XXXX called me to tell me that my property in XXXX is going to be auctioned in XXXX XXXX, XXXX in courtroom XXXX at Supreme Court in XXXX. The latter told me that Wells Fargo made my records public to auction my property because it is on foreclosure, which means I failed to pay them. They kept on asking me about XXXX XXXX, which I never met. XXXX of them gave me Wells Fargo attorney to call, which I did but nobody picked up the phone. I can not believe a bank can do that. If I have ever owe them they have to address the issue to me not take me to court like that. I definitely Wells Fargo is up to something and NOBODY is NOT HELPING.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to contact Equifax on many occasions about unauthorized inquiries on my credit report. Ive called for months, Ive spoken to numerous representatives, but they are insisting they do not removed inquiries from credit reports. Ive contacted every company that was listed on my report and I was informed to dispute it through the credit bureau. On three occasions Ive disputed my information that was on my credit report and was informed that they were factual. This is not true. There was a credit card application for XXXX XXXX that was attempted to run in my name that appeared as an inquiry on my credit report. I then XXXX the name of the company and informed them that I was not the applicant. XXXX XXXX did tell me that they were going to remove the application, and also forward the request to the credit bureaus. After disputing it yet again from my credit report, it came back factual again. I then contacted Equifax and told them that I gave a letter stating exactly what XXXX told me and yet still was not successful. There are nine inquiries from XXXX XXXX on my credit report and again. I called the bank and told them that Equifax will not remove the inquiries off my credit report and was told from the credit bureaus that they are not linked to any account. XXXX told me to dispute them through the credit bureau and yet again, they came back factual. My bank told me that the credit bureau can dispute them and they will fall right off. I have one inquiry from XXXX XXXX that is NOT mine and yet again Equifax was no help whatsoever. I also have four inquiries from XXXX that are not linked to any accounts and yet still Equifax was no help. For months I have been trying to rectify these unauthorized inquiries and have been turned down. After contacting each creditor, I was told to contact the credit bureau. The only way I was able to get some type of document from XXXX was because I had to beg. That is very degrading. And after receiving the letter I tried to fax it into Equifax, they told me that inquiry could not be removed. I then tried to dispute, and was still not removed after having proof! This is absurd! For months I have been dealing with the run arounds, and the misleading information Equifax has giving me. There needs to be some type of resolution to this issue because its damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX has failed to update my credit reports with Equifax, XXXX and XXXX according to the current status of the account. I have paid XXXX current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all XXXX reports, XXXX is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the XXXX at XXXX and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with XXXX is current. 

This false inaccurate information has caused credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I checked my equifax credit report and found reporting XXXX XXXX XXXX credit card closed account which should not still be in my credit file. I took up the matter with XXXX XXXX XXXX and they say they are not responsible for that in my report and I should contact equifax. I informed my local DA office and they want me to contact equifax and if the matter is not resolved then I send them the information. This XXXX XXXX XXXX credit card should have been removed from my while ago but still continue reporting in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Beginning on XXXX/XXXX/XXXX I had left my company and was out of work. At the time I had funds to continue paying my student loan, but then I needed to find some time of full-time job since my bills started adding up, which I was able to secure in XXXX. However, the job I am currently working does not provide me nearly enough money to pay all of my bills and I had requested to Navient for a forebearance/reduced loan grace period during late XXXX XXXX XXXX. After I thought I had submitted everything correctly to Navient, I was given a letter back saying that I had needed to submit my information again, which was confusing. I wound up not re-submitting and am continue being charged the full amount for my monthly student loans, which I ca n't afford at the moment. 

I am requesting to get the money I had paid in both XXXX XXXX and XXXX XXXX back into my account, since I do not want to work with Navient anymore on repaying my student loans. I am aware of the issue going on between the Government suing Navient for the unethical actions towards their customers. 

Unfortunately, I do not have the supporting documents from Navient, but I 'm sure they can provide my submission request or a background check will show that I was out of work from XXXX to early XXXX XXXX. 

Please let me know if any further information is needed here. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with U.S. BANCORP (MA).
Issue: Account opening, closing, or management

Complaint: US Bank sent me to check systems for XXXX I had made no purchases or did nothing to overdraw this account. They had no reason to damage my credit with XXXX. 
I did not get a phone call or a letter that my account had been closed or I owed anything. I have read many stories on the internet where they have done this to people. I have contacted them and they refuse to correct the problem.

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 12/19/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We had Quicken Loans as a mortgage lender from XX/XX/XXXX through XX/XX/XXXX. We refinanced at that time with XXXX as our new mortgage lender. We have had XXXX as our mortgage lender since. 

On XX/XX/XXXX, Quicken Loans contacted our home insurance provider ( XXXX ) and requested the below : 1 ) Change the name of the mortgage provider on our home insurance policy FROM XXXX TO Quicken Loans ( thus changing the mortgage e-clause ) 2 ) Change the payment preferences FROM us ( XXXX XXXX XXXX TO Quicken Loans. They indicated they will not be escrowing the funds from our monthly mortgage statement. ( Note : We have always paid our home insurance in full the minute we renew. Additionally, Quicken Loans is obviously not our current mortgage lender ... so they are not issuing any statements to us. ) 3 ) Quicken Loans requested our home insurance policy information ( which XXXX provided XXXX which included our active mortgage loan number with XXXX. 

I called on XX/XX/XXXX and spoke to XXXX. that works at XXXX. She provided the information of what was changed and indicated that XXXX is legally able to provide information to mortgage companies that have names and addresses of XXXX 's customers. 

I am very uncomfortable and feel violated and am not sure why Quicken Loans would call on a loan that is not active ( for well over a year ) to obtain my personal information ( including my active mortgage loan number ), change my payment preferences, and update my current mortgage information to their name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I filed for bankruptcy in XX/XX/2010. I have a Macy 's credit card, which had a zero balance at the time and was not included in the bankruptcy. XXXX is reporting that it was charged off in the bankruptcy with XXXX credit limit. I disputed that. XXXX responded that Macy 's was confirming that their reporting ( bankruptcy ) was accurate & gave me the Macy 's # to follow up. When I called Macy 's they said that the XXXX information was totally inaccurate and that I would not have a Macy 's account if it had been part of a bankruptcy. That credit card should have a perfect score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved into XXXX XX/XX/2012. I was told I had to have a cosigner on the application, but I was given the key anyway. No paperwork was signed. 2 weeks later, I was told I had to go because no paperwork was signed to legally live there. 6 months later, I found a whopping bill for {$4500.00}! I never ( legally ) lived there and I was there for 2 weeks, but got charged for the whole year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is one digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found two different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Medical) with Account Services Collections, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ACCOUNT SERVICES COLLS ARE REPORTING A {$140.00} FOR A MEDICAL BILL FOR XXXX THAT MYH INSURANCE HAS ALREADY PAID. XXXX AND XXXX HAVE SINCE REMOVED THIS DEBT AFTER MY INQUIRING FOR VALIDITY. NO VALIDITY COUND BE PROVIDED AND THE ACCOUNT WAS REMOVED. I NEED XXXX TO DO THE SAME ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Synchrony Financial is the creditor that my XXXX account is with. They were paid off in XXXX from my XXXX XXXX account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I have talked to synchrony many time and they have given me the run around for over 4 months.

Company response to consumer: Closed with monetary relief