milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX  ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 10-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My name is XXXX XXXX and on XXXX XXXX I received notice from WELLS FARGO XXXX preservation Department stating their loan modification was denied on account number XXXX. Currently there is an Appeal on this denial, however I noticed that a ( income and expenses documentation XXXX from XXXX was used in the decision on the loan Modification application submitted in XXXX XXXX. Due to the change in circumstances from The origination of the loan in XXXX, This matter should be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (I do not know) with United Debt Holdings, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need XXXX forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is erroneously reporting inaccurate information regarding my real estate loan with CitiMortgage. My account is open, with a balance, and is in good standing. However, Equifax reports that it has a zero balance, inaccurate payment history and is not in good standing. XXXX and I have repeatedly sent Equifax documentation ( attached ) to provide them with correct information but they continue to report incorrectly. Equifax continues to report erroneous information on my account regarding this account. 

Attached : Equifax reinvestigation confirmation XXXX dated XXXX XXXX, XXXX ; My letter to Equifax dated XXXX XXXX, XXXX, XXXX of the letters that XXXX sent Equifax dated XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Application processing delay

Complaint: I was pre-approved for an AMEX NextStep loan of {$5300.00}. Sent a link to digitally sign, which I did several times. Called their offshore call centers, was given different answers to the same questions about the disbursement procedures. 

Was told if it was n't signed before the deadline of XX/XX/2017 it would be cancelled and I 'd need to re-apply. 

Now it shows cancelled as if I did n't sign the document even though I was told that it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter. 
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim. 

Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. 

I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully. 

" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817. 
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX. 
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX. 
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And TransUnion has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by XXXX points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with TransUnion and XXXX enough is a enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello! 

Thank you in advance for dedicating your time to helping those being wronged by what seem to be impossible odds. This complaint is to be filed against Navient, formerly known as XXXX. 

A summary of my experience for your review follows : I graduated the University XXXX in XXXX with a XXXX, focus in XXXXSix months post-graduation ( the grace period ), I began paying off student loans. My loan balance is the same then as it is now, seven years later. 

In XXXX, the economy was in a horrid state, so consequently my dreams of a high-paying entry level position were met with the reality of a part-time XXXX position that barely made {$250.00} a week. Resumes sent out everywhere, joined a temp agency, no bites due to " lack of experience ''. 

It 's been seven years since graduation and my monthly student loan bill was and still is the highest bill I have to date, and it goes up each year without fail. Regardless of my financial status, employment of lack thereof, Navient/XXXX failed to provide me with options that were parallel to my financial status. 

When I was unemployed : They would ask what my monthly expenses were which would always be, obviously, more than {$0.00} with rent, utilities, food, transport I still had to pay hundreds of dollars despite the fact that I was not earning income When I was employed : It did not matter how much I was making, I would have to pay the full normal rate, whatever it would be at that time I can not get my cosigners off of my private student loans because, according to Navient : if you are on a repayment program, you do n't qualify for your cosigner to be removed if you are n't, you have to pay the normal ( outrageously high ) rate for a full year for them to be removed Unfortunately, it has been impossible for me to find employment that pays enough for me to live ( shelter, food, transport ) and pay these loans. If it were n't for my family, mainly my siblings who are in a similar circumstance, I would have been homeless at least 20 times by now. 

In XXXX, the hurdle I am facing with Navient, and the main reason I am writing this complaint is my Federal Loans have been disbursed, and they are also serviced by Navient. I definitely can not and will not pay this loan when I know that the terms of all of these loans can be extended and interest rates dropped so borrowers can afford to make payments that meet what they earn. There is no logical explanation as to why Navient sets its payment plans at unnegotiable high rates that they know their borrowers can not afford. Since it defies logic, you can only conclude it 's a profit game. 

It would be great to be able to work with a lender that was fair and interested in borrowers being able to participate in the world instead of ensuring they struggle in it. I 'm sure we would not mind paying for that. 

Thank you for your time. Please let me know what I can do to move this process forward.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with New Century Financial Services, Inc. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: NEW CENTURY FINANCIAL SERVICES, INC. tried to garnish my wages   XXXX   within this letter it referenced a Docket Number   XXXX   XXXX   I researched NJ courts website and found that there was a Civil Judgment against me   XXXX   XXXX  . I had no knowledge of this judgment, I was never served, I had left the state of NJ   XXXX   XXXX   when I relocated to MI. I contacted several lawyers in   XXXX   to appeal the Judgement, and have it vacated. No lawyer would take my case " As it was n't worth it, as the alleged debt was {$460.00} and their fees would be in excess of {$2000.00} ''.   I wrote a lette  XXXX   XXXX   XXXX   XXXX   to the  XXXX  court to the presiding  XXXX  explaining my situation, I had this letter notarized and wrote a statement at the bottom stating that all the above was true etc. I submitted my  XXXX  form for  XXXX  from my employer in  XXXX  and a copy of my lease, reflecting my MI address.   The courts scheduled A WAGE EXECUTION Hearing   XXXX   XXXX   XXXX   XXXX  n front of   XXXX   XXXX   XXXX   XXXX  . I could not attend the court hearing and phone the judges clerk who advised me to submit a fax stating the reasons. I requested if I could attend via telephone, this request was denied. I believe the ruling was that the judge denied the wage garnishment, however when I contacted the courts, I was told that I had wavered my rights to know the outcome as I did not attend. I have looked on the   XXXX   courts website and as far as I can understand it was " Disposed ''??   I recently contacted the court and requested the case files, which I am waiting on.   Is there anything that I can do? I feel helpless, this has negativley impacted my  credit score . It will continue to be reported until  XXXX . I can not understand how this can go this far without my knowledge. I was never contacted regarding this debt prior to  XXXX . I have spent time and money trying to rectify this situation, all to no avail.   Thank you in advance for your kind attention regarding this matter I would like to state that during the  XXXX  years living at my  XXXX  address, my mail was always being mis-delivered as there was a similar address in the same city.

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 12/13/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an EZChoice Checking account with M & T bank on XXXX with a promotional offer of XXXX cash bonus after direct deposit of XXXX within 90 days ( XXXX XXXX XXXX XXXX. Upon fulfilling the requirement on XXXX, I sent out an secure message to the bank trying to confirm the bonus and the approximate date on which the bonus will be deposited. However, M & T bank denies the promotional code being attached to my account, and refusing to give out the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification after having a car accident and falling behind on my mortgage. Bank of America continuously denied me claimed they never received paperwork and was very uncooperative. I made a payment towards my mortgage for XXXX and the bank misappropriated that payment. They used it towards late fees which they increased by 100 % and interest. The payment was supposed to go towards principal and the late fees waived with the interest applied to the back end of the loan. I am tired of Bank of America and at this point I need someone who is willing to investigate my first application for a modification and why my payment was not applied correctly, along with why my late fees went from XXXX to $ XXXX-XXXX. 
My mortgage is through XXXX and they are n't helpful although they were aware of the issues that I had with Bank of America and continue to have. 
My name is XXXX XXXX my mortgage company is Bank of America and my telephone number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: I want to call attention to what I consider to be a load of XXXX. Currently, my checking account shows a direct deposit from my employer on XXXX XXXX ( today being XXXX XXXX ). Normally, I would not think anything of this, however it shows that amount as being available now. 

The last time this happened, I took Citizens Bank at their word, and operated under the belief that my money was mine to use. They proceeded to hit me with {$100.00} in overdraft fees - for using money that they told me ( via their website ) was available. Out of the kindness of their collective heart, they refunded {$35.00} when I complained. 

Now I see the same thing happening. However, I 'm smarter this time. I consider this practice to be deceptive and predatory. They 're dangling the carrot out in front of me, waiting for me to take a bite so they can charge me a bunch of fees. How is this even legal? 

As a XXXX Bank customer, I demand an explanation for this wolfish practice. If there is no resolution, my wife and I will be taking our business elsewhere. I attempted to submit this message through XXXX Bank 's secure message site, but it was rejected for " exceeding the limits ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX Case # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by the XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting an account for XXXX XXXX that was discharged XX/XX/2003 and is over 7 years in violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.

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 09/21/2015 about Debt collection (I do not know) with Maury Cobb, Attorney at Law, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called and left messages with other staff at the office, when the office manager called them to discuss this as not being legal, they were abusive on the phone and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan is a spousal consolidated student loan. Unfortunately, I am divorced and the " primary '' borrower is my ex-husband. I have a very difficult time accessing information to my/our account. When I call I am told that I need to get permission from my ex-husband to change login information, to have hard copies of statements sent to my home, and to have documents printed with my name. 

I am the one that pays for this account and I feel that I should have equal, if not exclusive, access to information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. 

U.S. Bank has been giving runaround and putting me further and further behind for over one year. They have not honestly reviewed my loan for modification. As it looks like, they have no intention for reviewing my loan for modification. I am at a huge risk of losing my home due to their negligence in solving this problem. Please help me. 

I am asking U.S. Bank to provide me with the complete NPV data they used for their latest review. Failing to provide a non-technical explanation is a violation of treasury guidelines. 

Once again, they are asking me to appeal the decision by XX/XX/2017. However, they are not providing any information to appeal with. How am I able to file an appeal when there is no information provided?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Other fee

Complaint: Hello, I paid off my credit card balance in full per their statement only to get a bill for a fee. I was carying a balance and had been charged fees for carrying that balance, which was my motivation to get it paid off. I called Chase regarding this fee and they basically said to bad. I argued the fact that I paid the balance in full according to their statement and should not have to pay the fee as it was not on my statement.

Company response to consumer: Closed with monetary relief