milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX and I had XXXX XXXX at XXXX in 2017. Since then, my wife and I have had a loss of income because of time missed from work and medical expenses. In addition, my medical premium went from {$150.00} to {$600.00} per month. I am currently on my 6th month of XXXX and I have 6 more months to go. 

I have struggled off and on to keep current with this mortgage, due to my XXXX XXXX, and I have always managed to keep it. However, after this unexpected XXXX and treatment I need help with the 2 payments that are past due. In the beginning of the workout I was given a 12 month repayment plan and I was able to pay back 6 months of it. But it was becoming to difficult to maintain the higher payment. I was working with XXXX XXXX during this process. But in the middle of my repayment plan they cancelled me due to non-payment, which was their mistake. They had 2 different escrow increases for my payment that I was not aware of. So I shorted one of my payments {$100.00} without knowing. They kept sending me letters as if I was the one who messed it up. I did not. I did not default on my repayment plan, they made a mistake. But then I told them that it was not affordable any longer and that I needed some assistance that was closer to my regular payment. I requested medical assistance, and can you believe it? No help for XXXX patients, none. So sad. 

I begged and pleaded with them that I can only afford my regular payment and that I would like the 2 past due payments placed in a medical forbearance or deferment. They said they do not offer these. Again, I am on XXXX and all I am asking for is that those 2 payments be paid back over 2 years. Or until I am healthy enough after XX/XX/XXXX to move or sell my property. They have not offered me anything I can do while I am on XXXX. They also switched my point of contact to XXXX XXXX, without notifying me. I left him a message yesterday and I no one is helping me. 

I will file chapter XXXX bankruptcy if I have to, to save this property, I will. But I think it would be easier for everyone if we came up with a reasonable solution that is not so health invasive for me. As I am already overwhelmed and tired from treatment. 

I am asking for the past payments to be spread our over 2 years. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a pre qualified offer streamline refi offer from chase bank ... I called, applied. They said my application was good. The next day I received overnighted docs.. I signed them, returned them in a prepaid XXXX. A week later my XXXX called said that method of sending docs ( does n't work ) and that I had to fax them directly. I was out of town, so I faxed the docs when I returned on XXXX XXXX. ( App was taken on XXXX XXXX ). I heard nothing. Then on the XXXX of XXXX I emailed to get status. On XXXX I got a reply stating application was withdrawn due to the lack of submitting documents, even though I submitted twice!!!!! XXXX refuses to help me any further, and said I needed to wait for the next offer and reapply again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: Recently, and for what seems to be no discernable reason, there was a 59 point drop in my credit score. I inquired the company, and they could not explain the justification. When working with their representative, he even noted that there was no discernable reason for such a drastic drop. While refreshing the credit report, it dropped another 4 points, again based on no significant change in the reported information. The use of arbitrary factors, in which consumers have no visibility on in which to relay a significant credit risk to creditors that the consumer can not reasonable discern is punitive in nature and violates the expected transparency of the financial and credit industries. Experian continues to downgrade my score with no discernable causation within my credit history. A complaint was filed with Experian, complaint number XXXX. There has been no action on the complaint.

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 12/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My late husband open this account without my knowledge. He was XXXX by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Medical) with Firstsource Advantage, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Marel Consultants Inc (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Creditor contacted me on the XXXX XXXX, 2016. I told them I would need 30 days to verify the debt, which is an acceptable time as stated in the Fair Debt Collection Act, to verify the debt. I would then contract them on or before XXXX XXXX, 2016 to set up payment resolution. I was contacted again by the same creditor on XXXX XXXX, 2016. I explained again I would need to verify the debt and contract them on or before XXXX XXXX, 2016 to set up payment resolution. The creditor said they do not need to adhere to the Fair Debit Collection Act and I would need to contract them on or before XXXX XXXX, 2016 to set up payment resolution or they would pursue legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Dear Equifax, XXXX XXXX, and XXXX! ( Including all other Credit Bureaus known and unknown ) Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State  including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! Protraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX XXXX ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company has continued too injured Consumers daily as your Systems are primitive in Nature!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting my complaint formally to resolve a situation that has been mortifying my emotional and financial stability for years, affecting my credit with incorrect information and preventing me from growing financially. Despite trying to solve it through the Credit Bureaus Dispute on multiple occasions, I have not been able to achieve it. The company XXXX XXXX reported in my credit report allegedly Late Payments from XXXX XXXX to XXXX XXXX ( see image XXXX ). These alleged Late Payments appearing on this closed XXXX XXXX account belong to a loan that was transferred to Navient in XXXX. 

The late payments that XXXX XXXX reported on my Credit Report for the last time on XXXX XXXX, XXXX, ARE INCORRECT and should not appear on my credit. I have never had late payments since by the time they accuse me of not having paid I was attending school. I contacted the company XXXX XXXX and they told me that no information of mine appears in any of their systems, however in the disputes that I submitted through the Credit Bureau their response has been that they will not make any changes. I do not understand as if they do not have information of mine in any of their systems, they continue to deny me the elimination of incorrect information in my report. 

Attached you can find official evidence extracted from my XXXX  Credit Report. Note in the image called " XXXX '' that XXXX XXXX reports late loan payments on the dates in which Navient was already positively reporting the same payments as it was deferred for attending the school. Additional see the document entitled " XXXX '' and " '' XXXX '' of the XXXX XXXX XXXX XXXX, University in which I completed my studies. The document is an official certification that I was attending school in the months in which XXXX XXXX reports to my credit the supposed Late Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I called the bank. They told me I had fraud on my account, so they locked me out. I can not access my account funds to pay my Bills ( I even asked if I could just close the account ). Now every time I call they want to over authenticate me. I have told them that I would get on skype with them and show them my face and my ID ( Drivers license ) in person. I do n't trust their authentication methods to begin with because it seems that they failed to protect me when they where suppose to do so.

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 03/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: portfolio Recovery Associates is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX  continues to report account on my Experian report as charged off sold to another vendor. Numerous attempts have been made to Experian indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Experian continues to have the incorrect information reporting on my credit 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 11-09-2017 about Debt collection (I do not know) with Integrated Recovery Services (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have received repeated calls from XXXX XXXX and a XXXX XXXX. I returned the call after several empty threats that I would be arrested if I did not reply by a certain date, one was to reply by XX/XX/XXXX and then more calls were received that I had to respond by XX/XX/XXXX. The  date kept moving, I had not received anything via mail and I finally had enough and called back on XX/XX/XXXX and I left a message they needed to tell me what this was about. the next day I received another call with more threats, and then it escalated on XX/XX/XXXX when he started calling me at work. I told him that was my work and he could not contact me there. He kept calling back, I told him again to not call me at that number and he kept calling. I finally told my co-workers to hang up, and he kept calling. Finally I went to my manager and asked him to take the call and he got on the line, told XXXX XXXX that he was not to call there and then XXXX XXXX started cussing at my manager and threated him, he told him that he could not protect me, called him derogative names, and threated to call back every minute all day long to tie up the work phones. I received another voice mail at XXXX XXXX on XX/XX/XXXX that " you do n't act in that manner to a business matter and should grow up ''. I received another call from an unfamiliar number the other day so I called back - I got a recording that it was XXXX XXXX so I hung up. Now the calls and threats have started again. I have the voice mails saved if you need proof, and my manager will testify to the threats received at my workplace if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with Synovus Bank (AZ).
Issue: Late fee

Complaint: I made an electronic check payment on XXXX XXXX, 2015 to First Progress for a secured Mastercard statement that was due on XXXX XXXX, 2015. I paid $ XXXX.This included a {$10.00} service fee for using customer service. The checking account that was used for payment was incorrectly inputted, with an erroneous " XXXX '' added at the end of it, which consequently resulted in the payment not going through. A week later, today XXXX XXXX, 2015, my card was declined at a XXXX. Upon contacting customer service, I was notified of this error. They refused to reverse any charges that occurred, including a {$38.00}, late fee, plus possible interest fees and returned check charges. 
I do not feel this is ethical on First Progress ' behalf. They at the very least owed me a phone call notifying me off this fact immediately, so that it could 've been rectified. I no longer wish to do business with them and request they reverse the late fees and any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Signed a home equity loan mod contract on XXXX/XXXX/XXXX with Bank of America and have a signed a congratulations letter dated XXXX XXXX, XXXX for the approval of the modification agreement. I have been paying faithfully according to the terms of the agreement. Last increase was XXXX/XXXX/XXXX XXXX for 455 mos, the rate is {$980.00}, which I pd. Suddenly I rec 'd a XXXX XXXX bill of {$1000.00} after paying {$980.00} & a late pmt on my credit for XX/XX/XXXX. Nobody can tell me why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (Payroll card) with First Data Corporation (MD).
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.

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 10/21/2015 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX XXXX Offered us a {$100.00} XXXX card if we switched our cable and internet from XXXX XXXX to them. We changed and they sent us a card, but it had zero dollars on it. When we called XXXX XXXX they said we had to call a third party vendor for the card, Blackhawk XXXX. Blackhawk XXXX said the card was used for fraudelant charges XXXX and the card had never been activated. They told us to send in a dispute form, we did, and they sent us another zero balance Pre-Paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MS).
Issue: Deposits and withdrawals

Complaint: I received a check from XXXX to deposit into my account. After I deposited the check, the bank told me that the check is counterfeit. They closed my personal checking account along with my husband and my joint account. The fraud department told me that I have committed fraud. I believe that I am the victim in this situation and not the fraudulent person. We have been with Wells Fargo Bank since we retired and moved to FL 6 years ago. The bank wo n't let our mortgage check get paid from the joint account or let us use our money from that account. I think this is wrong and accusing me of fraud is wrong. Wells Fargo Bank has been very nasty to me and my husband about this. If they want to close an account, they should just close the account where the check was deposited. I do n't think they need to close an account that did not have the counterfeit check deposited. Wells Fargo bank told me that since I deposited a counterfeit check that I will never be able to have an account at their bank again. They are punishing me even though I am the victim. They wo n't let us have access to OUR money. I am ready to hire an attorney to deal with Wells Fargo and their saying I committed FRAUD and shutting down our joint account with my husbands social security money in it. They wo n't say that I am the victim with the fraud business that paid me with a counterfeit check. I make all of my deposits thru the ATM and they say that since I deposited the check thru the ATM that it is FRAUD. If they look at my history, I always deposit thru the ATM! I think Wells Fargo Bank has falsely accused me of FRAUD and not going after the people who wrote and sent me the counterfeit check is the easy way out for them. Wells Fargo Bank should investigate who the people are that wrote the counterfeit check and shut them down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MP).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not mine XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I SUBMITTED DOCUMENTS FOR MORTGAGE ASSISTANCE AND I WAS TOLD THAT MY FILE IS IN REVIEW AND NO ADDITIONAL DOCUMENTS WERE NEEDED. MY SERVICER, WELLS FARGO, CHANGED THEIR STORY TO SAY DOCUMENTS WERE MISSING. A FEW DAYS LATER AND BEFORE I COULD SEND IN THE MISSING DOCUMENTS, WELLS FARGO CLAIMED THAT MY FILE IS NO LONGER IN REVIEW BECAUSE THERE HAS BEEN NO CHANGE IN FINANCIAL CIRCUMSTANCES. I HAVE XXXX NEW ROOM & BOARDERS AND THERE IS IN FACT A CHANGE IN FINANCIAL CIRCUMSTANCES. WELLS FARGO PREFERS TO DECEIVE AND CONFUSE HOMEOWNERS BECAUSE THEY PREFER TO PROFIT FROM FORECLOSURE AND FORECLOSURE FEES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Payday loan) with High Point Asset Inc (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: High Point Asset, Inc. called saying that I owe money from a payday loan in which I never took out. They claim that the money was issued to my bank account, and then I closed my bank account and they was unable to retrieve the money. They can not provide me with any information other than that amount that is owed. They can not provide me with who the original amount supposedly came from. The emailed me a generic letter with an amount owed that was not even the amount that they told me on the phone. I have spoke with my bank, and they have advised me that they have had other reports from this company, and that I should not proceed in making payment until I speak to my attorney, which I will be doing later today.

Company response to consumer: Closed with explanation