milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I got behind on my mortgage due to job loss. I was served with foreclosure papers by my servicer America 's Servicing Company. I was given the opportunity for foreclosure intervention by submitting the application and documents such as paycheck stubs, hardship letter, bank statements, and unemployment records to the attorney assigned to the case by America 's Servicing Company. I did this as requested sending the documents through the mail certified to the attorney 's office by the date specified in XXXX 2014. After this I heard nothing from the mortgage company or attorney for several months. In XXXX 2014, I was sent a letter from the attorney stating that I never submitted the required documents and therefore was ineligible for foreclosure intervention. I answered the letter to the attorney 's office and to the court on record for the foreclosure showing the certified letter receipt that showed the package was received by their office and who had signed for it. I still got no response. The process was allowed to continue making me further behind. If the attorney and servicer would have looked at the paperwork back in XXXX 2014, I would not be as far behind in my mortgage as I am now and would possibly have had a resolution getting my mortgage caught up with foreclosure intervention. Now that the foreclosure process has gone on and now that I am back at work and able to afford my mortgage, America 's Servicing Company does not want to listen to the fact that this could have been fixed over a year ago and is not willing to work with me for a modification to get my mortgage current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: In regards to my situation. I currently have XXXX accounts at Santander bank. 
XXXX account is a single ownership witch is under my name and the XXXX account is a student account with my son. The student account was opened when he was XXXX years old therefor the bank rep had to ad me as a second owner. On XXXX XXXX, 2016 my accounts were frozen due to a NYS levy. despite my ac\ my situation of a levy, I feel my sons account should had not been frozen considering its a student account and those funds are his. I called the bank and was told that cause my name was on it. Had to been on hold. I asked them to take a history his account. he uses that account for his payroll at XXXX. He is a student and when hes on break from school. he returns to work. 
Santander refuse to release the hold witch the account had only about {$98.00} dollars I called NYS and explained to them the situation and the had they acted very helpful to ask Santander to release my sons account only. Santander refused. So in the interim Santander took the {$98.00} dollars from my son 's and left the account at XXXX balance witch I find that my personal financial situation should not affect his funds .... 
Can Santander bank or any other financial Institution freeze a student account? 
please advise

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 10-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Problem when making payments

Complaint: We incorrectly received a delinquent notice dated XXXX/XXXX/XXXX for our line of credit acct for past due amt {$150.00}. We had made 2 prev pmts of {$500.00} on XXXX/XXXX/XXXX and {$500.00} on XXXX/XXXX/XXXX. Both pmts were made via paper check ( mail ) through the same bank XXXX XXXX XXXX that our LOC acct is at and both cleared our checking acct. Upon online investigation the 1st XXXX pmt was reversed on XXXX and {$340.00} of the 2nd {$500.00} pmt was reversed on XXXX/XXXX/XXXX. The local XXXX branch where loan was opened stated they could not help as they only open the accts and I was given a number to call. XXXX contact that same day XXXX XXXX/XXXX/XXXX XXXX to XXXX rep was no help- no explanation of delinquent notice or pmt reversals. I was promised a return call next day-never happened. 2nd phone call on XXXX/XXXX/XXXX also brought no answers. There was again a promise of a return call which did not happen. We have also sent an online message through our bank and no one has responded. We would like to know our rights as XXXX Bank is illegally charging us interest, refusing to post our pmts, keeping the funds from reversed pmts on this account XXXX our checking accts were not reimbursed for the reversal of either pmt ) and ruining our credit with false delinquent notices on a timely account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Using a debit or ATM card

Complaint: I reported a fraud claim to US BANK on XXXX/XXXX/2016. Their policy is to provide provisional credit in 10 business days. They have yet to do that and they have n't sent me anything in the mail regarding paperwork, etc. 
I have spoke with them on numerous occasions up until XXXX/XXXX/2016. 
Nothing has been resolve.

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 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I began contacting them and submitting info for the IBR in XXXX once completed school. I had been placed on an IBR with the understanding after so many payments it will be forgiven. I was n't ever advised that consolidating the loans be in my best interest at any point. When I became employed with a XXXX XXXX and the public service forgiveness was available I contacted again to see whether it be benficial to consolidate ( in XXXX ) and even though the forgiveness is sooner I was advised that it not be in my best interest since I was already three years into the forgiveness of the traditional forgiveness. It has not yet been approved for the public service forgiveness but it has been filed and the consolidation has been completed. I was able to have two years out of the way already had I not been stirred in the wrong direction in XXXX but either way am having to start the forgiveness period over since doing the consolidation ( in XXXX ). I was not ever advised of the best route to take since graduation with high interest loans have increased by XXXX. XXXX XXXX had been original loan serviced and is now navient. I also have found that even though XXXX XXXX XXXX claims to be credited university having a career in the field in which I attended college has not happened. So many things here.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Ability Recovery Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (NV).
Issue: Problems when you are unable to pay

Complaint: I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against the following credit reporting companies. XXXX XXXX, Experian, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX Banks and S & Ls 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 non-monetary relief
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am requesting the removal of a bankruptcy on my Equifax credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Medical debt) with Medical Business Bureau (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a XXXX XXXX ordered same-day XXXX by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Advertising and marketing

Complaint: I opened a Secured Credit Card at Wells Fargo about 3-4 years ago. At the time, I was simply trying to re-establish my credit after a nasty divorce. A Personal Banker inside one of the local branches advised me to open a Secured Credit Card to help me in re-establishing myself. The Personal Banker explained that my own money would secure the credit card, allowing me to make purchases. He assured me that at some point, as early as 12 months or as late as 18 months, my credit card will become unsecured and my funds released back to me, and at that point I would have a normal credit card with even a possible credit limit increase. I am going on 4 years now I believe and each and every time I ask about my funds being released back to me, I am told that it is still under review. I called this afternoon to ask when I opened this credit card and I was told that they could n't release that information to me and that I would need to find my opening statement and look on there for it. I feel that this is just another bold face lie by Wells Fargo to tie up my {$1000.00} for this secured credit card while they obviously charge me interest on my purchases but I am not receiving any interest on the {$1000.00} that they are holding and refusing to return to 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 explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Convergent Outsourcing, particularly XXXX XXXX, continue to call my job, harassing secretaries and anyone else who will answer the phone. She constantly leaves messages with my coworkers informing them of the debt and often leaves the company 's name, phone number, and a reference number. I have repeatedly asked her not to contact me at work as this jeopardizes my employment and is in clear violation of the FDCPA. 

I have also sent a written cease of communication notice that she claims she never received.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for mortgage assistance from my primary lender, XXXX as well as the secondary lien holder, Chase XXXX HELOC XXXX in XX/XX/XXXX. While I was approved for a FHA Hamp Mod with XXXX, Chase instructed me not to make any payments on my loan because they would most likely offer a 2nd HAMP. I was told the first lender 's HAMP mod has to settle before Chase HELOC could offer anything. The HAMP mod settled in XX/XX/XXXX. However, I diligently called Chase and continued to resubmit mortgage assistance documents regardless. I always informed them on the updates from XXXX concerning the settling of the FHA HAMP mod. The HAMP mod settled XX/XX/XXXX. After informing Chase, I noticed several things occurred which cause grave concerns : 1 ) Chase would change out customer service reps assigned to my file and the new rep would claim they had no knowledge of any previous notes on the file 2 ) Chase would claim faxes or mailed documents for the mortgage assistance were missing, which literally occurred for more than two years on this issue 3 ) Chase would not return phone calls or respond to my Escalation Dept. incidents. The first letter received for an answer for mortgage assistance was received XX/XX/XXXX and it was a denial. Chase claims I do not have a HAMP mod despite WFHM and a Supervisor from the XXXX XXXX XXXX verifying such via conference call. Chase is now stating they do not do 2nd HAMP 's for FHA loans whatsoever. In XX/XX/XXXX, I immediately appealed the denial decision and followed up via telephone with a Supervisor for the rep who submitted the paperwork to the underwriter. The rep assured me, as well as the previous rep, that Chase could give me the XXXX HAMP and I would hear something soon. This rep left the department, but apologized that Chase had " screwed up. '' Chase asserts they never received my appeal and provided two options : short sell or reinstatement. I did not sign their documents for either to take place. The reinstatement amount has so many fees as a result of Chase intentionally permitting the issue to sit for 2 years. I contacted Chase via telephone in XX/XX/XXXX to find out who was re-assigned to the file since no one was overseeing the account according to Chase. I discovered during my conversation that Chase has " written off the account. '' I was told that I could make monthly payments on it because the accounts was written off and the lien has been removed from the property. After making 6 months of payment, the letter from Chase states they will review the account. I do not trust what will happen from here, but it is not a good feeling. I do not understand how a financial institution that was bailed out from the federal government can turn around and deny a consumer who is ELIGIBLE for assistance the opportunity for such. I want a resolution and transparency from Chase how they will right their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Credit card) with Zarzaur and Schwartz, PC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation