milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Making/receiving payments, sending money

Complaint: I cosigned a car loan for my daughter. Her checking account is with Wells Fargo, XXXX branch, and the loan is with XXXX in XXXX. She had arranged automatic payments sent to XXXX and this happened successfully for several months. For a reason no one has been able to explain to us, WF started sending payments with the wrong account number. XXXX notified my daughter she was delinquent and charged her a {$60.00} late fee. On XX/XX/XXXX, my daughter and I met with XXXX the branch manager to discuss this. He admitted it was a WF error and that they would correct it. I stated my concern about his affecting my credit report and was assured that would not happen. After eight days XXXX still had not resolved this and had put excuses and demands in our way each day. I called his supervisor-he would not provide that contact information, we had to find it elsewhere, spoke with his assistant and later him and they assured me that was not the way they do business and they would ensure it was resolved, and it was in a matter of hours, not days. But this week I have been notified that they has been a negative charge against my credit rating reflecting this issue. So WF has negatively affected my credit rating over a {$60.00} dollar mistake they admit they are responsible for and ca n't seem to correct. I 've been told by XXXX that they have assigned a " resolution team '' to this and should have it resolved by XXXX next week. So for over a week they have negatively impacted my credit report. We have disputed the claim with the credit agency, but this is ridiculous. I have also informed XXXX I expect WF to compensate me for the damage they had done to my credit for however many days it remains, the inordinate amount of time I have had to spend on this, and the inconvenience they have caused me. I do not feel that I and my daughter should bear the brunt of their error and there are no consequences to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NJ).
Issue: Trouble during payment process

Complaint: I spoke to a manager to figure out a way to get my mortgage back on track. We have a large lump sum of {$55000.00} to put down and we agreed to pay the rest in 3 months along with our mortgage payment and he was sending the paperwork in the mail. That was in the beginning of XXXX XXXX. He called me back a week later and said he was going to email it to me, I never got it, not in my spam, so I call like he said and left a message, still no call back from him or my representative and I 've left numerous messages. My first payment was supposed to be XXXX XXXX. 

I do n't know what else to due.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I have asked the company to notify me in writing about the loan. Over the course of the vehicle loan, the company would resort to calling third parties or individuals with the same last name in cities located outside of where I live. 

I wrote them to ask them to stop this practice and eventually believed that the aforementioned collection practice ceased. 

I have a landline set up for the purpose of using internet services. I also asked the company to communicate with me through the United State Postal Services. I received no billing statements from them for approximately a year XX/XX/XXXX. They wrote with an apology to say that it was an error due to their system. 

The vehicle loan was taken out approximately 5 years ago. I am currently employed seasonally. During the winter my work hours are reduced or are totally cut because I am considered an adjunct staff. 

I was 2 full months behind on the vehicle loan and have since paid the 2 months arrearage on XX/XX/XXXX The lender has demanded that I pay {$980.00} by XX/XX/XXXX including late fees in the amount of {$240.00} I paid {$740.00} cash on XX/XX/XXXX at a local banking retail center. The amount of {$370.00} was due on XX/XX/XXXX. I will be able to pay the XX/XX/XXXX and next payment of {$370.00} by XX/XX/XXXX The lender forwarded a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE letter dated XX/XX/XXXX I received said letter on XX/XX/XXXX after XXXX XXXX. 

The vehicle loan 's maturity date is XX/XX/XXXX Due to the approximate 1 year, I have left to pay on the vehicle loan and my current seasonal employment status which has changed since the life of the loan, I respectfully ask that the lender not enforce strict compliance in amounts not currently due.I am also asking that the lender accept current and all future payments so that I may satisfy the vehicle loan by said date of maturity. 

Pursuit of sections 805, 807, 808 all that would apply under the Consumer Financial Protection Bureau ( CRPB ) I am not in agreement with the lender 's threat to enforce repossession of the vehicle/ collateral or threat of legal action for any amounts due. 

I believe that I have given the lender a chance to correct the communication errors that have occurred during the lifetime of the loan. 

I ask that the lender offer a fair chance to me as the consumer and customer to bring the loan to a payment status that is satisfactory including past due amounts and any amounts that have become due before the payment deadline. 

I am therefore asking that the Consumer Financial Protection Bureau advise me of my rights and responsibilies as a consumer in order that I may bring resolution to this matter of business in a fair and respectful manner.

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 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lou Spivack, P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This situation initially started when the XXXX XXXX insurance company notified me of an alleged debt I owed over fours years ago. I was a XXXX patron for over four years off and by some strange coincidence I was not notified of this alleged debt till I changed insurance companies. This institution would have me to believe that I did not inform them of the sale of a vehicle in XXXX, which I did adding up to a cost of {$270.00}, But by there own admission they did not inform me of this ridiculous allegation till XXXX XXXX when I changed insurance companies. This company would hold me to the strictest standards honoring their contracts, but it would seem when it comes to their own conduct they just make the rules as they go along. The reason why I am complaining about the law firm of Lou Spivack, P. C. is they in my estimation they are an enforcement arm for these underhanded tactics. They are both one and the same.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with Account Discovery Systems, LLC (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This company, Accoun t Discovery Systems i n New York ;  XXXX , called my place of employment and ask to speak with myself,  XXXX   XXXX , and also my employer, over the   XXXX   XXXX   He,  XXXX   XXXX , asked for the name of the   XXXX   person, and was advised by my co-worker that it was  XXXX , and  XXXX   XXXX  was then put on hold by  XXXX , as to send him to voicemail when he then hung up.  XXXX   XXXX  called right back and spoke to another employee,  XXXX , whom he told that he was calling for  XXXX   XXXX , and that he - XXXX   - nee ded to " make sure she calls me back. '' I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I reported the agency for this violation, and advised them do not call me at work again, nor my employer. They must contact me after work hours and not to disrupt my work day unless they wish to pay my salary.   Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Student loan (Non-federal student loan) with U.S. BANCORP (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I went to the dealership XXXX XXXX 2016 to get my radio repaired. While in the waiting area I spoke to a sales rep about wanting to get a GT model in the future. Next thing I know I get an alert from XXXX saying I authorized a inquiry. I walked to counter and asked him if he was running my credit because I just got an alert. He assured me that he was taking a peak. I never authorized him to run my credit and I have contacted them directly and they have not responded and it has been over 30 days. I already had my credit ran multiple times in XXXX, why would I approve to run it again, when I was just asking questions about a car, not buying another XXXX. This has been damaging to my credit and needs to be removed.

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 10/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Bank of America reads them that has a Brain. I received conflicting comments from several customer Care agents in The Bank of America Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I bought a vehicle and the Santander Consumer usa is the leasing bank. I had several financial isssues and the vehicle was repoed, i paid XXXX in debt. But the day the vehicle was repoed they cause several damages to the door bumpers and the permanent damaged the battery. Till this day nothing has been done they aledge never recieved the papers but they did. I sent all papers numerous times and my vehicle continue to be damaged.also now the vehicle is facing reposation and nobody has helped me. I want to file a small claims suit but due to my budget i cant. Please help me im a veteran witha family that counts on me to get things done. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX 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 05-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have listed the case I have open currently with XXXX XXXX in regards to the settlement we have come to and payment being received for Navient student loans. Payment was submitted on XXXX XXXX, 2015 and was received successfully. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for Santander and I told him I had never had an account with Santander and do not have an account with Santander and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is an incorrect account. I owe nothing to XXXX and I am in good standing with this company and have an active account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 12-04-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (TX).
Issue: Taking out the loan or lease

Complaint: On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Equifax shared my information because of a hack.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First contacted Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting bXXXX XXXX XXXX XXXX theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXXwith no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

Company response to consumer: Closed with explanation