milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we confronted the negotiator regarding a lack interior access and we requested a copy of the appraisal they have on file, the negotiator discussed the request with her manager. Her manager stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to do so is because it does n't actually exist and they simply made XXXX up. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: EQUIFAX SPLIT MY CREDIT REPORT INTO 3 RESPECTIVELY!
<P/>
TO KEEP THE 3 FILES COMBINNED THEY SUSPEND 3 ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED ) 1 ) .CONFIRMATION NO.  XXXX   DATED  XX/XX/2016 -STATUS PENDING 2 ) .CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT EQUIFAX IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. Bank of America 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: EXPERIAN INSIST ON REPORTING TOO MANY HARD INQUIRIES. 
EXPERIAN CONTINUE TO REPORT THE LOWEST CREDIT SCORES OF THE THREE MAJOR CREDIT BUREAUS. WHY IS THERE SUCH A DESPARITY IN SCORES, WHEN ALL ACCOUNTS HAVE BEEN LISTED AS " ACCOUNTS IN GOOD STANDING '' BY ALL THREE MAJOR CREDIT BUREAUS, INCLUDING EXPERIAN. LASTEST EXPERIAN REPORTED RESULTED IN A BANK DENYING AN AUTO REFINANCE BASED ON DATA RECEIVED FRM EXPERIAN. WHY IS EXPERIAN DATA BEING TREATED AS GOSPEL.

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 05-09-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Taking out the loan or lease

Complaint: I am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (DE).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: chexsystems if reporting a {$870.00} non sufficient funds report from XXXX XXXX XXXX XXXX and numerous fraud disputes have been filed with chexsystems and XXXX XXXX and its for {$330.00} not {$870.00} so Chexystems Consumer ID XXXX is reporting incorrect amount information on a fraud account from XXXX XXXX and this needs to be corrected and verfied again thru the Error of XXXX XXXX and a new chexsystem reported updated sent to me since i am filing a Civil suit.

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 08/18/2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: A
merican Education Services ( PHEAA ) continues to harass my cosigner and I. After I made a payment in full, they still sent letters to my cosigner asking for payments on XX/XX/XXXX. This harassment needs to cease and desist or else I will seek litigation with an Attorney for the constant harassment that occurs. This company is overstepping its maximum authority by doing this.
2nd to that, their system is not updating reflected payments that were made a day or days prior. As of today, I 'm putting this company under scrutinized investigation for Unfair Business Practices. The excuses that I continue to receive regarding their " rules '' are not going to be accepted, because I truly do believe they have no idea what harassment is. While AES maintains they are controlling/managing the debt that is owed, they are not entitled to act as an unlawful debt collector, which is the gist of it.
If I have intentions to pay a bill and it is paid, you have no right to continue to send letters harassing either my cosigner or myself. I do n't care what the loan agreement says. As far as I 'm concerned, that 's beyond the scope of the limitations at this point because it was years ago. In prescribing debt owed, that 's what it is, debt owed. It does not legally obligate any company operating in the United States of America to create their own laws which appear to violate the laws of the Federal Government. In short, you are not entitled to act as a hostile debt collector. This is why The Federal Government of the United States created those laws to protect us civilians.
I will absolutely not repeat this again.
Regards, XXXX XXXX XXXX & Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage have alleged they were transferred servicing of a loan that I owed in XXXX 2014. I have filed a lawsuit and voluminous amounts of complaints with Federal and State agencies referencing this debt collection. I have disputed this debt since they 've alleged they were collecting for XXXX XXXX XXXX XXXX. Most recently, I filed CFPB complaints referencing the debt on my XXXX, XXXX, and XXXX reports. As a result, of disputing the loan XXXX for almost three years ; Nationstar Mortgage has deleted this credit line from my the credit repositiories. However, Nationstar Mortgage has continued to send me statements indicating the loan is outstanding in the amount of more then {$140000.00}. Nationstar Mortgage and their attorney, XXXX XXXX and XXXX XXXX XXXX and their attorney, XXXX XXXX XXXX have been lying to the CFPB and the Courts referencing this alleged loan for years. It appears they ca n't synchronize their fraudulent scheme. XXXX XXXX XXXX goes into Court and say one thing and Nationstar Mortgage acts reflects the opposite. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's has repeatedly told the Courts they have nothing to do with the loan since they transferred it to Nationstar Mortgage. Notwithstanding, Nationstar Mortgage will not give me any information referencing the loan they claim I owe more than {$140000.00} and have reported the loan has a XXXX balance with the credit bureaus. I am requesting the status of Nationstar Mortgage, ( XXXX XXXX ) loan XXXX as of today they 're allegedly servicing for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (PA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I submitted a money transfer from my paypal account. The transfer was supposed to send XXXX to my bank account. My email connected to this paypal account is XXXX. Before I submitted the transfer, I read literature which stated that my transfer would be available in 24 hours. The next day on XX/XX/XXXX, I was surprised that my transfer did not process and was still in paypal 's pending process. After talking to a manager, I was told that my transfer transaction had been placed under security watch to verify if I was the owner of the bank account that 's connect to my paypal account. I pleaded with the manager, telling him that I successfully completed the security verification process weeks prior to this transaction. I explained to paypal that already sent two deposits to my bank account that I had to confirm. I asked if paypal could release the hold on my deposit, yet my request was denied. I was told that my transaction could be on hold for at least a week. I explained how frustrated I was ... that I was expecting to buy XXXX Presents with this transfer ... that my situation is the result of unfair business practices against customers. 

This is n't the first time that I have had this situation with paypal. I have multiple paypal accounts and have had situations like this happen more than several times. I followed all of paypal 's security steps in confirming my bank account ; paypal should not hold my money for " security '' purposes. I feel like paypal continues to constantly bully its customers with no real clear explanation. I am not the only customer who has shared this issue. It seems to be a pattern with paypal. Although they may eventually release my funds to my bank account, it 's still unfair to have made me wait for this unfair process. My money was taken out of my account from paypal, yet it 's no where to found. Thank you for your time and consideration. I hope that this issue can be resolved for all customers who has shared this same experience.

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. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My wife 's and my information had been compromised in the recent days breech.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt collector claiming to be from an attorney 's office, repeatedly tried to get me to pay a tax debt that I explained over and over was a mistake. He acted like he was going to help me fix the mistake, but did nothing. He lied about submitting my paperwork to the PA state tax department for review ( I submitted paperwork after XXXX and by XXXX he called and said PA Department of Revenue had reviewed - no government agency works that fast! ). He also told me that some items we listed on tax returns were not valid write offs, ie. contract labor on a general contractor 's tax return. When I questioned him about this, he acted like he did not just say it. He called me a liar when I told him a letter sent from the state was not received, and then, even when he stated that the letter was returned as non-deliverable, he still implied I was lying to him. He was very condescending, forceful and deceptive and made me very XXXX about his phone calls. He was trying to get me to pay {$46000.00}. Since I did n't trust that his collection attempts were valid, we checked with the state to make sure he was not a scam artist. We actually owe {$100.00} which we will be paying directly to PA Department of Revenue Pass Through Business office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several " robo calls '' from a company calling itself Dynamic Recovery Solutions, a debt collection agency. The calls come from various numbers. In his vague recorded messages, the caller asks me to call him about " important matters. '' I have not called him back, as I have no outstanding debt and it seems clear this is a scam. I do n't want to provide any more personal information than they already appear to have. The XXXX of complaints about Dynamic Recovery Solutions on the Internet also indicate that this is a scam. They have called me several times, and it appears harassment is their business. Can you please make these XXXX stop bothering people? Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I currently have an account with Stellar Recovery Inc for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls on my cell phone while I 'm at work from Synchrony Bank in regards to my Walmart credit card account. I XXXX 6 days/week and I 've told them to stop calling me while I 'm at work. I told them when the best time to call me, but they still keep calling and I have no time for this while XXXX. I told them that if they kept it up I was going to file a complaint. I know this is a violation of my rights and they should be told to stop.

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 12/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This reported item was a duplicated sent printer. I spoke with XXXX rep who told me to decline receipt upon arrival, which I did and carrier took it away immediately. Obviously, XXXX failed to remove this double shipped printer from my credit card. I called to confirm this was removed and was told that it was. This is an erroneous charge and needs to be removed immediately. The credit card from XXXX has since been canceled. Please have this removed immediately as it is affecting my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (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 recently filed a chapter XXXX Bankruptcy on X/XX/2017. After American Express was informed of the filing they disputed all the charges that I have made 6 months leading up to the filing. These charges range from gas station purchases, dining, utilities etc. I called and tried to speak to AMEX about the issue and no one wants to assist or help me. This practice is unlawful and I need to know what to do in order to resolve this matter ASAP. My internet, cable, and cellphone have been disconnected and the accounts are pending disconnection. Can someone reach out to American Express on my behalf and have them retract these disputed charges that has been wrongfully executed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2016 about Debt collection (Medical) with Grant & Weber (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To Whom It May Concern : I was checking my credit score through XXXX and noted a significant drop in my XXXX score. A collections account appeared for a company called Grant and Weber. I checked the details and it shows XXXX line items for a medical center XXXX which provided services to my daughter and myself at different times. However, all of these accounts were paid in full prior to moving XXXX XX/XX/XXXX. According to the line items, the account numbers were sequential and each charge was between {$120.00} and {$120.00}. What is also suspicious is that they have billing dates of XX/XX/XXXX, when we have already relocated XXXX for over a year. In addition, we had double insurance coverage between my husband 's and my work insurance plans, our medical bills were never over the co-pay of {$100.00} as well. Since I have not been contacted by them, I do not have enough information to formally dispute or verify this debt s legitimate. 

Thanks, in advance, for your help in this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.

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 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I recently read a newspaper article that stated Barclays ( barclaycard ) has been fined by the Fed Reserve and NY State more than any other Bank. It has come to my attention, that barclaycard is charging customers late fees during this horrific hurricane season. Please stop them.

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