milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: After the breach at XXXX, I wanted to place credit freezes on my reports at the three major credit reporting bureaus using their telephone based systems. XXXX XXXX telephone system did n't work ( surprise! ), but XXXX XXXX did ( at least one company 's systems work! ). I tried TransUnion 's telephone freeze system, but also did not work. ( " Could not verify my information. '' ) So, I logged in to TransUnion 's website, where I clicked on the " credit freeze '' button on their homepage. I proceeded to answer the security and identity verification questions, successfully, and then they asked for a credit card, which seemed normal as I understood that there was a small charge to freeze one 's credit report. I provided that credit card number ( which was accepted ), and the next thing I knew I was prompted to set up an account ( username, password, security question, etc ). So, I set up an account and then all of a sudden it was clear that I had signed up for a credit monitoring service, even though I was never told that I was doing that. Finally, presumably, there 's a monthly charge for this, but that charge was never disclosed. 

All in all, a slick piece of work : instead of getting a credit freeze, which is all I wanted, I was tricked into signing up for credit monitoring at a completely undisclosed price.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
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 sent documents, letters to support my dispute numerous times to credit bureau, and to the bank in regards of 30 days late in my credit report. I have called several times to the bank, and I was told to dispute with the bureaus. so I did. and I was told that the report was accurate.      XXXX   XXXX  , 2010 I   t  rade in a c ar to the dealership for another car that I can afford. I still owed the bank for the car I traded in. I found out later that the dealership did not sent the pay off to the bank after 30 days. it affected my score and was turn down for a loan and job. I had a third party involve, and helping me to have the item remove from my report. For a year in a half the company I paid for were sending dispute letters to the bank and to the bureaus. and I would receive a the same answer stating that what was reported is accurate. I had spoken to different employee from the bank pleading and explain what the dealership had done. and I keep being told to call the bureau. and when I called   XXXX   XXXX  , I was told to call the bank since it is the creditor who is reported to the bureau.

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: Equifax had improper security protocols that led to a hack of their system that put my personal identifying information in the hands of unauthorized people. 

Despite having affected over 100 million customers, Equifax did not properly notify the affected parties for nearly one month ( XXXX 2017 ) after the hack was detected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received a voice message from MIDWEST RECOVERY SYSTEMS   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , MO   XXXX   stating that they were hired to resolve an online payday loan in the amount of {$1000.00} i allegedly had taken out in   XXXX   from a compay by the name of   XXXX   XXXX  . I told them i was unaware of any online payday i had ever taken out with such company and did they have any validation of the alleged debt. The agent told me that they did n't, they were simply hired to collect on the debt at which point the agent gave me an old address of mine that i lived at back in   XXXX   in a property that was foreclosed on. I told them that without documentation to validate their claim i could n't speak to them any longer. I did notify the agent that in the state of Florida, Florida law requires that the payday loan agreement be in writing and signed by both parties on the date the loan is given. The loan agreement must contain : the name and address of the lender and the lenders business office the name of the lender 's representative who signed the agreement a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
None of this infomation he had at which point he hung and i have n't heard from since. They did put a negative mark on my  XXXX  credit report however without even attempting to resolve this matter beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/30/2017 about Debt collection (I do not know) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX 

I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. 

I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. 

Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report. 

Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector. 

I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hello Dear CFPB I am writing to ask please assist me to reopen my paypal account which is registered under : XXXXXXXXXXXX. I opened account with paypal with all terms and conditions. One day i got email verify my identity and explaining what transaction i was doing. I said i listed used items on XXXX and sold it there, since i do not accept cash buyer wanted to pay me with credit card and i had no chose to offer him pay by paypal. I accepted money and as all normal people disburs to myself in my checking account. After couple days i got this message. 



You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX I have done nothing wrong and i feel its unfair to close my account for only reason i accepted payment. Please assist me to reopen and have paypal account because they are largest in the market and if i do not have it i can not even sell anything in XXXX they are monopoly in XXXX i have no choice. I think its not ok to not give option to your clients. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (Conventional home mortgage) with Law Offices of Les Zieve (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and their Trustee Zieve , Brodnax & Steele , LLP ( ZBS ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX and ZBS are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. XXXX denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and XXXX  continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by XXXX and ZBS. XXXX XXXX XXXX XXXX XXXX./XXXX  denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX  that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 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: I sent XXXX letters to XXXX XXXX, and TransUnion ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX XXXX XXXX and TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ).  Under the FCRA, unverified accounts must be removed ... XXXX XXXX and TransUnion acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have looked at my credit score and transunion and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help

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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I had my  XXXX   XXXX  accunt setup for auto pay using a credit card. I had my service for a number of year and recently switched to a different provider.  XXXX   XXXX  charge my credit card for early termination but I had not cancelled early at all. I disputed the charge but the credit card company has taken the side of the merchant and will not remove the charge from my account. I had provided  XXXX   XXXX  with a copy of the agreement bewteen myself and  XXXX   XXXX  that specifically shows that I was no longer under contract and should not have bee charges early terminatoon fees.     Apparently the credit card company does not protect the consumer it protect the merchant. I will never use autop pay again because of loss of control over my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On  XX/XX/2017    I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XX/XX/XXXX  I accidentally made  XXXX  electronic payments. I placed a stop payment on one of them to avoid an overdraft and let the other payment process through my bank. I notified  XXXX  of my Intentions on  XX/XX/XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all three credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in the two years since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you with one

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 sent a Mutilpe Inquiry l etter on  XXXX    XXXX  ,2017 and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a letter  XXXX  days l ater that meant they did not investigate whether or not th e inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.

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 11-07-2017 about Mortgage (FHA mortgage) with NATIONS LENDING CORPORATION (MI).
Issue: Closing on a mortgage

Complaint: We were supposed to close on XXXX XXXX XXXX and the mortgage banker had assured me every step of the way that we would close on time. Regardless of what the reasons and excuses were, we had completed everything on our side in a timely and orderly fashion. It was however, the mortgage banker 's responsibility to make sure everything on his end would go through, as well as plan for contingencies as this is part of his job responsibility. In addition to the failure to close on time, I was also assured several times by the mortgage banker 's supervisor that we would close on XXXX XXXX which then changed to XXXX XXXX. Subsequently we were not able to get possession of the house due to the title company that Nations Lending chose, which could not get everything completed on time. And to add more insult to injury, closing was scheduled at XXXX and the mortgage banker did not inform me that the title company on our side was rescheduling at XXXX, which then delayed taking possession of the home to the XXXX and made us look like fools at the closing table when the seller 's side had showed up with their title company. This has caused a moderate amount of hardship due to having to reschedule moving plans which increased the moving costs, days off for my wife that can not be taken back which were wasted, and general financial problems and stress as a result of this. Nations Lending supposedly prides itself on excellent customer service, and I feel that I have not received excellent customer service. All I got were irrelevant excuses. At best, the customer service was below subpar. 

In addition to the above, the mortgage banker that was working with me supplied me a different customer 's personal information which is a breach of privacy.

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 06-06-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I built a home in XXXX of XXXX my escrow taxes that year was like {$97.00} and something I was told to put extra money to my escrow account the later for the next 6 months I receive a payment booklet from Greentree stating that my annual payment will be {$1200.00} and some change in XXXX of XXXX I received the escrow refund check of XXXX I asked him was this correct they told me go ahead and spend it everything 's right they 're not responsible keeping anything over 3 years went by I find receive my first in annual escrow disclosure statement and it shows that now I 'm behind XXXX {$3.00} XXXX Greentree has changed its name to Ditech. My mortgage principal and interest isXXXXXXXX escrow isXXXXXXXX in the beginning. New payment Effective as XXXX/XXXX/XXXX is principal and interest XXXX Escrow is XXXX Escrow shortage fee XXXX for next 48 months bringing my new mortgage to XXXX. This should never happen and it should have never took them 3 years to figure this out.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not owe this company. I have never received any notice from Carter- Young Inc , verifying that I owe them money. I 've never had any dealings with Carter-Young.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation