milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: Venmo is a money transfer application that withdraws money from one bank account and deposits it in another. There is a social media element to it, as people can publicly post what the money is for. After the XXXX embargo was lifted, my boyfriend, sister and I thought it would be great to surprise my father with plane tickets for his birthday. I transferred my boyfriend {$400.00} to cover the tickets for my family members, referencing XXXX in in the post as to what the money was for. I received an email that my transfer was being reviewed per OFAC regulations - apparently the reference to XXXX brought up an issue for National Security. 
I replied to the email, stating that we had since decided, for completely unrelated reasons, to change the trip from XXXX to XXXX ( The XXXX tickets that were on sale, which we initially were going to purchase, would have put us on XXXX for less than 24 hours. We chose to visit a city in the US where we could have a FULL weekend instead- XXXX , GA ). However, Venmo representatives continually stated that they needed my OFAC license or a detailed itinerary before they could refund the money. I can provide neither of these things, because Im not GOING to XXXX anymore. Its been 6 days and they still have not transferred or refunded the money. It has been taken from my bank account, and is being held in limbo out of my control. Attempting to explain this situation, I have called the customer support center, but apparently the 'compliance ' department that reviews money transfers like mine is unavailable by phone. They can only be reached by email. I am frustrated that the emails request the same, non-existent documents over and over again and I have no other way to speak to the compliance department. The money has basically been stolen for an overly extended period of time, with no refund date in sight. I filed a customer service complaint with the XXXX, and tried calling one more time to see what could be done, but to no avail. It is for this reason that I am hoping the CFPB can help me. Please look at the methods and services being implemented by this company ensure that they review threats timely. This is not a National Security team ; its a group of venmo employees playing recklessly with funds that are n't theirs, and it should not be allowed to take place this way with no first hand information or contact available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2018 about Debt collection (Other debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX  account was charging money that is not my account.

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 07/26/2016 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Equifax , including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. tenth is account # XXXX with XXXX XXXX XXXX with a zero balance. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: A bill payment that was initiated through Wells Fargo Bank 's online website was delayed beyond the " 1 - 5 business days '' quoted ( and posted in writing ) online. Consequently, the payee received the bill payment late. The excessive delay created late fee ( s ) and interest charge ( s ) for the payee. As such, I requested that Wells Fargo Bank contact the payee and provide a XXXX XXXX translator, so that the payee could fully understand the conversation. A manager in the Bill Payment department of Wells Fargo Bank refused to provide this XXXX Translator. Further, one of the employees in the Bill Payment department made at least XXXX false statements regarding providing a XXXX Translator.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have submitted two requests to Experian to verify and validate two charged off accounts appearing on my credit report. I have requested they provide me the copies of the original signed contract, all relevant account information, and the name of the person whom verified the information. The accounts are with XXXX XXXX and XXXX XXXX. My first request was submitted to Experian on XXXX XXXX, XXXX. Their response stated that the information reported was verified. I then submitted a second request on XXXX XXXX, XXXX and again the response only stated that the information provided was verified. These responses are inadequate under the FCRA as they failed to provide the requested documentation and method of verification. I request that Experian conduct a proper re-investigation and provide me with the information requested. I also request that Experian provide me with all relevant documentation they have in their possession and receive as a result of their re-investigation. I understand that Experian out sources all of their disputes to foreign contractors and they are given between 18 and 90 seconds to investigate disputes. This in and of itself is a violation of the FCRA in that a proper re-investigation is not conducted.

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 03/16/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail and have not received any response National credit systems is well aware that this account is fraudulent and still verifying it with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I am receiving 4 to 5 calls a day, everyday!!! Starting as early as XXXX. Sick of these phones calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards,  rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Synchrony via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from 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 03/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a fraudulent collections notice for the sum of {$300.00} on a ( XXXX ) credit card that has not been used in years. They had my correct account number. The company was Portfolio Recovery Associates , LLC. Stating the seller was XXXX, XXXX XXXX, Florida, XXXX. The phone XXXX. Or portfoliorecovery.com

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCR A 15 USC 168i ( 5 ) (  A ), you have  30  to respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii,  nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC section 168i  ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney unde r 15 USC section 1681n or 1681o  " Civil liability for willful noncompliance. '' Your credit bureau may be liable for  :   1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court  may  allow  3.  costs of the court action, plus attorney 's fees

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 12-08-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (AZ).
Issue: Trouble during payment process

Complaint: I have had a mortgage since XX/XX/XXXX with the same insurance company since then. The service company changed to LoanCare in the past 12-18 months while everything else remained stable. On XX/XX/XXXX my insurance was up for renewal and the new servicer did not pay the bill for home insurance despite calls from me to them. As a result my insurance was dropped and I was charged XXXX $ fee for lapse in coverage. My new insurance co. began XX/XX/XXXX.  Loancare denied any responsibility for the lapse in coverage and deducted the money from my escrow account. I believe they are responsible for the lapse and then they had the nerve to charge me for their mistake.

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 02/27/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: My request for mortgage modification is being processed with Shellpoint Mortgage. 
They have requested several times the schedule for my taxes reflecting the rental income and expenses associated with the rental property. I've emailed and faxed this information to them several times beginning XX/XX/XXXX until XX/XX/XXXX. Shellpoint was contracted XX/XX/XXXX to verify they received the information, Shellpoint customer service stated they received the email cover page but the IRS Transcript wasn't uploaded in their system were yet, and the document has not been received. I feel Shellpoint is giving me the runaround and is not processing the modification request. There is a pending property foreclosure sale set for my homeXX/XX/XXXX. I've provided them with all requested information and asked them to postpone the property foreclosure sale.. 


See Attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Non-federal student loan) with Vermont Student Assistance Corporation (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan was in default status. In XXXX of 2016, I started the process of bringing the loan out of default, by submitting payments and filling out the default application by Vermont Student Loan Assistance. I began officially in the program in XXXX. Every month the invoice came in and I paid it. In XXXX I began getting phone calls and received one letter indicating that I had missed a payment. When I was able to get out of work early enough to return their phone call, I discovered they applied the payment I sent in for XXXX in XXXX because it was TOO early. Thereby making it look like I had not sent in a payment for XXXX. Because of a change in finances and having my banking information breeched, I was unable to make a payment in XXXX. When I was able to make contact and explain the situation thoroughly I was advised that due to non-payment, I was being place BACK in collection and that I had to start the entire process over. 

I have been working diligently to pull this student loan out of default status and I feel that despite my due diligence and doing my best to work within their perimeters, I am being punished for unforeseeable problems. I live paycheck to paycheck and have worked hard to make sure that for the last 10 months the payments were made either on time or early and am being punished for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Mortgage (FHA mortgage) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage lender Umpqua Bank has engaged and conducted an illegal foreclosure sale. Umpqua Bank has failed to follow the guidelines and policies and procedures that MUST be followed when servicing a government insured FHA loan. A denial letter that was received indicates that if an appeal is requested, that there is a 30 day appeal review period, and Oregon and federal law prohibits a foreclosure sale to be conducted prior to the expiration of this appeal period. However, Umpqua Bank and law firm XXXX neglected to consider this and moved forward with and conducted an illegal foreclosure sale despite the fact that an appeal was requested. I have attached documentation to back up this assertion. 

Additionally Umpqua Bank and XXXX failed to offer Occupied Conveyance as an option. The Occupied Conveyance paperwork was never provided for me and this option was never offered, even though FHA and HUD REQUIRE that FHA loan servicers provide this option. 

I have owned my home in XXXX Oregon for sixteen years. I refinanced into an FHA mortgage loan that is serviced by Umpqua Bank, and after being injured on the job and forced to take an early retirement have been trying to resolve a mortgage delinquency with them. On multiple occasions I asked Umpqua Bank to work with me and consider me for all of the government FHA programs that they have available. They told me on XX/XX/XXXX that I was denied, but I believe significant errors were made so we requested an appeal. I believe that if I were given the option of a review based on my appeal and the chance to point these errors out that I would have had the denial overturned and gotten approved.

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 08/23/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Filed consumer complaint against XXXX XXXX XXXX with NM attorney general, the complaint, acknowledgement letter and response from XXXX  attached. In response to complaint XXXX admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in XXXX 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however XXXX instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response XXXX failed to provide evidence as requested in the complaint regarding the validation of this debt. XXXX ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to XXXX XXXX negligence and violated my rights as set forth in FDCPA.

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 04-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.

Company response to consumer: Closed with explanation