milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2016 about Mortgage (Other mortgage) with Roberts Law, LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: My friend paid over {$1000.00} to XXXX XXXX for a loan mod. XXXX XXXX kept the money and kept getting her to pay more money to do things that the initial payment was to have taken care of. By the time her loan mod had been completely refused she had paid over {$2000.00}. From others in our community, its been learned that XXXX XXXX regularly pockets a lot of the money that she claims to used for the loan modification process. And end the end most have still ended up being referred by XXXX to Atty. Roberts to try to fight the foreclosure process. It truly seems that Atty. Roberts has no idea what XXXX and her friend Atty. XXXX XXXX are doing. This is how XXXX and XXXX were able to go behind the back of those at Roberts Law and take control of a loan modification contract that use to belong to the main attorney. XXXX has taken thousands of dollars from the law firm. My friend use to go to the law firms office numerous times trying to get her loan modified. She witnessed that a man named XXXX had to pay his own fees on a pleading necessary to get out of jail because the firm had no money in the escrow account. XXXX kept a check the the owner had given her to deposit into the escrow account. Between XXXX and XXXX it is a wonder that the law firm is even in business. I attempted to go to the Georgia bar directly but was told that because I was not the actual injured person I could not file a complaint. The police said that its a civil matter and referred me to the Georgia Consumer Protection Bureau who referred me to this agency. If this is n't the right agency please direct me to the right agency or department. These XXXX women are stealing people blind and not providing the service they represent to be able to provide and no one seems to either care or be able to investigate and stop them. On her last visit she overheard the staff talking about a man name XXXX who had been arrested because of the firms failure to fulfill its obligations. Since they do not know me, If it would help, I am willing to go in and request a loan modification from XXXX so that the process can be traced from start to finish. Several of my friends are willing to do the same thing. The firm is Roberts and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. No. XXXX, XXXX Georgia XXXX. ( XXXX ) XXXX. I forgot to mention that XXXX locked XXXX XXXX out of the loan mod portion of the law officies software so that XXXX XXXX could not help protect the XXXX community from the predatory practices of XXXX XXXX and her partner XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01-09-2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Hi, American Express Credit card Reported my credit Bureau NEGATIVELY and hit with XXXX Point down and i do not know why!!! I oay bill in time never had a late payment with them, my account has a good standing even they can tell you that. So please make a good investigation with them. 
Also i Attached picture for my credit report with XXXX and XXXX report for whta they did. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed multiple disputes going back as far as XX/XX/2015 regarding information regarding XXXX XXXX XXXX, XXXX XXXX and XXXX and that is reporting on my credit report and Equifax has failed to provide any verification that the information was correct, They will just send out any email stating the investigation has been completed ( generally in a 1-10 day ) however never provide the information collected and the damaging information remain on my credit report. Also after the " investigation '' my credit is generally damaged even worst. They also sent out an email stating that a Judgement would be deleted from my report however the Information is still reporting on my credit report. I have contacted the creditors as well as equifax to correct the information without success. I do not feel that Equifax is investigating the disputes, I feel they are just waiting a couple of days and sending out a resolution email without providing proof. I feel this is unfair treatment and dishonest treatment in regards to customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I use several credit monitoring services and last month I noticed my hard inquiries were removed from Transunion report. They have now been added back on my credit report. I have not received any notification in writing and I would like the inquiries removed. I tried to call Transunion and after the reps put me on hold for an hour, they then tell me they ca n't help me and hang up the phone.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested verification of collections/ negative accounts on my credit report and only received what looks like a printed statement. They did not properly validate the collections/negative accounts on my credit report. I requested removal if the accounts that could not be validated. They remain 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 07-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a modification of my loan with Wells Fargo since XXXX. I am a nurse who lost her job during the recession In XXXX I started working again but Wells Fargo denied my modification because they said my income was too low. My income has approved and late XXXX they approved a modification but the payment was almost the same as my previous payment of {$3900.00}. Wells Fargo tells me that the investor only allows XXXX try at a modification. My house is set for sale XXXX XXXX. I look at my modification attempt in late XXXX as a continuing XXXX because the previous amount was too high. We could not afford it. We could afford {$3000.00}

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 11/27/2015 about Debt collection (I do not know) with Focus Holding Company (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo had sent thru charges on today and back dated the charges. I had made a deposit into my business acct yesterday and later that day transferred most to my personal acct. this was on the XXXX. I went by my bank this morning and withdrew some of the funds and both the business and personal were in good standing this morning on the XXXX Sometime after I left the bank this morning after making a withdrawal, somehow Wells Fargo debited my acct and posted the debits for the XXXX which is the prior day and said I had bounced the acct. how can a bank on the XXXX during the day back date a charge and post to my acct the prior day and make the acct negative. The bank stated that it was the transfer of funds to my personal acct from the business is what bounced and I advised the bank rep that I did this transfer online and it will not allow me to transfer more money than is in my acct into another. It will only allow you to transfer the amount u have available when transfer online. This is the second time this has happened in the last 4 months. I have also had issue with Wells Fargo mailing me back an nsf check I ran thru the business acct from a customer. They refuse to provide or give me a negotiable copy of the check I deposited that they state is nsf so I can go back to my customer to obtain the money due to me the last several months that Wells Fargo has refused to send back that negotiable check that I gave them or a negotiable copy. The only thing Wells Fargo has been willing to do is make a xerox copy and give to me that is NOT negotiable. What use is a copy of a non negotiable check. As far as the issues today, they have stated the charges are correct and that I bounced the acct and not their problem. As a customer of the bank, I am very worried about what they are doing as this can not possibly be legal. If was then every bank could just randomly do the debits and back date to whenever to help with their bottom line and fees they would like.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My social security number was reported as probably compromised by Equifax. This might allow people to open accounts in my name resulting in my credit report being very adversely affected. It is absolutely unacceptable that over 143 million social security numbers have been compromised by Equifax. Many wo n't even know to put a fraud alert on their accounts or to check their social security number and the devastation they unknowingly face may be astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Problems caused by my funds being low

Complaint: My husband and I had a checking account with Regions bank from around XXXX and during that time we found that the bank would change the order of our transactions until they were listed in a way that we would overdraft our account multiple times instead of the XXXX overdraft that should have occurred. Sometimes there would have been no overdraft fee at all according to their policy bc it would 've been under {$5.00} but after the transactions were rearranged there would be multiple overdrafts. Over the span of time we had this account we were charged thousands of dollars in overdraft fees because of them rearranging the transactions. We have recently found out that this practice is illegal and that regions bank has been fined for illegal overdraft fees. What can be done about our case? We quit using our account and now my husband has a debt collection against his credit as we refused to pay anymore of their bogus fees. Our debt to them stands as proof of the amount we were being charged in fees at XXXX time. Please help us

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is inaccurately reporting my student loan accounts as credit cards. XXXX is not reporting my student loans as credit cards. They are reporting as installment loans, because this is what they are. XXXX is also reporting my student loans correctly, and Equifax is not in compliance with the FCRA. If it is inaccurate information, it must be corrected or DELETED. My student loans should be reported as installment loans because that IS what they are. It is affecting me buying a home and I will take this further until it is corrected. 

Account number XXXX XXXX XXXX/XXXX XXXX All 16 accounts reporting as credit cards need to be corrected to installment loans. How are student loans credit cards??????? I do n't care what the student loan company reports, this is not a credit card, so it is INCORRECT and must be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with BANCO SANTANDER PUERTO RICO (PR).
Issue: Billing disputes

Complaint: I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern, I mailed the Multiple Inquiry Removal Letter on    XXXX   XXXX   XXXX     by certified mail in order to dispute the information, in regards to  XXXX  hard inquires that were being reported on my credit report. They received the received the letter on   XXXX   XXXX   XXXX     and completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included the  XXXX  hard inquires were not factual and I received the same response of a general letter from Equifax for ALL inquiries stating that inquiries contain information about companies that have requested and/or viewed your credit report information typically within the last  two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my   certified letter, clearly is a sign that no investigation was taken to look into my dispute. I am in the process of trying to purchase a home and the hard inquiries on my credit report will have a bearing in this endeavor. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that do not belong to me. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several attempts in writing were made to Navient to provide student loan documents to verify and validate. No documentation received in last 60-days. 

Navient is reporting negative info to credit bureau 's severely hurting my financial status. 

I am making my student loans directly to US Dept of Education per agreement and on time. 

Need quick help. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I XXXX in XX/XX/2008, I have not been able to work since, just 3 or 4 years ago I was XXXX. He XXXX, I went to hospital for several days & XXXX cost & stay was waived due to my indigent condition by the XXXX ... The XXXX however appears to be a money grubbing XXXX & has turned his fees over to a collection agency. Initially I made payments by borrowing money from family & friends. I paid off some of the debt then. Recently I have been receiving calls from Affiliate Asset Solutions. I still am not able to work & feel this debt is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: I applied to Chase Mortgage to finance a house I am trying to buy. Chase approved my mortgage, issued a commitment letter, and gave me final Closing Disclosures on XXXX/XXXX/2016 just before escrow close. Since the loan was ready to go, I released the loan contingency on escrow. 

On the day I was to sign the close, Chase then told me that the terms of the loan need to change. The Closing Disclosures clearly indicate that I am to receive a sellers credit of {$7000.00} and a lenders credit of {$4900.00} ( {$11000.00} total ) with a cash-to-close of {$110000.00}. Now I am being told that of the {$11000.00} total credit, they can only apply {$5700.00} against the closing fees. They are now asking me to just " buy down the loan '' to apply the balance of my credit. The cash-to-close would thus be higher. They also told me that I could renegotiate a reduction in price. 

I exchanged multiple emails with the Chase Mortgage Banker, XXXX XXXX ( XXXX ID XXXX ), asking him if I would get full credit for both the seller and lender credits and he expressly stated that I would. This is in fact what was reflected in the Closing Disclosures that Chase subsequently provided. 

I need to speak to these guys to discuss options. They have not responded to my emails or my phone calls since this morning. We need to close escrow and the lender is not present. The Lending Manager at Chase, XXXX XXXX XXXX ( XXXX ID XXXX ), was copied on this issue and he has not responded either. He does not respond to telephone calls either. 

Are these bankers in violation of any regulations against misleading borrowers? Is this behavior a violation of the Truth in Lending Act and Secure and Fair Enforcement Act? Can you please help me sort this out with Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: E-payments initiated through BB & T have the funds held out of the account at around XXXX the day the payment is initiated, these funds are held unavailable until the day the payment processes, usually XXXX business days. On XXXX occasions, this has caused some other checks to overdraft. That is to be expected. On these occasions, however, when the e-payment finally posted, it also was charged an overdraft even though the funds to cover the payment had been held out of the account for several days. I understand incurring XXXX charge, but there is no reasonable explanation for charging an overdraft because funds were held to cover a specific payment and then again for the payment that had funds held for it. You can do XXXX, but not XXXX. 

Additionally, BB & T claims a check deposited on XXXX was not available to cover payments made. BB & T posted the check on XXXX, the account the check was written from cleared the check on XXXX, it shows on the ledger balance as there and the account with a positive balance. They still claim it was overdrawn but can not explain exactly which order the checks cleared or the times they hit the account. 

Finally, on Tuesday, several checks overdrew the account ( due to e-payments holds ), XXXX employees cashed multiple checks into their accounts and while one would think those checks would post together, they were posted by BB & T not in the groups they were cashed in but rather in order to maximize the number of overdrafts that could be charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation