milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Taking out the loan or lease

Complaint: hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have 3 student loans with Navient, formally XXXX. As with all 3, Navient has put my accounts into forebearrance without my approval. They have also reported to all 3 Credit Bureaus as being " paid on time '' during these forebearrance months, then the following months reporting as " 90 days late '' and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with CITIBANK, N.A. (AL).
Issue: Late fee

Complaint: Was not notified about annual fee and late fee occurred

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I pulled my report to maintain my credit. I have disputed this spouse or co-signer name two years ago. I have never been married nor have I ever co-signed with a XXXX. It does not show a last name assuming she has my last name.

Spouse or Co-Signer : 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 non-monetary relief
Consumer complaint received 11/29/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: PayPal CreditThe email message received by me recently ( below ) confirms illegal withdrawal from by XXXX XXXX XXXX account in the amount of {$670.00}. Recently, I purchased an iPhone from the XXXX website, on a 6-month interest free plan confirmed by PayPal. I had already made a {$250.00} payment on this account a few weeks ago, and was horrified when PayPal informed me that the above amount was transferred from my account. 
Conveniently, the message arrived after the amount was transferred, and consequently, no opportunity to dispute. 
The 6-month interest free plan is misleading and deceptive, and the withdrawal of the remaining amount owing that was not authorized is nothing short of theft. 
Internet blogs confirm that this unethical business practice by PayPal goes on all the time. 


Hello XXXX XXXX, Thank you for making a payment online! We 've received your PayPal Credit Payment of {$670.00} and have applied it to your account. 

Here are the details : Your PayPal Credit Account Number Ending In:XXXXYou Paid : $ XXXXYour Payment Date*:XX/XX/2015Your Payment Confirmation Number:XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with EOS Holdings, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has not updated the payment status on   XXXX    & T ransUnion to paid.  XXXX  is still reporting " Bad debt & placed for collection & skip '' The balance is  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 03-09-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Other

Complaint: I paid the wrong Citibank credit card by accident at the beginning of XXXX by {$9000.00}. There is a credit to my Citibank credit card in the amount of {$9000.00}. They have yet to send me a check for the credit after numerous requests and telephone calls.

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 02/19/2018 about Debt collection (Medical debt) with NRA Group, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency National Recovery in the amount of {$82.00}. This debt has not been validated and the credit agencies, XXXX   and XXXX are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XX/XX/XXXX I sent a certified letter to Transunion regarding incorrect personal information and unauthorized hard inquiries showing on my file. I have written and spoken to creditors, on the phone, only to be told that I needed to dispute with the credit bureaus. XXXX and XXXX ( XXXX ) even were not able to find an inquiry with my SNN in their system and told me to resolve directly with Transunion. 
On XX/XX/XXXX I received my annual credit report from Transunion with a general letter explaining what was the inquiry. No results of the investigation were provided. 
I was in contact with Transunion XX/XX/XXXX and XX/XX/XXXX ( if I am not wrong ), in an attempt to dispute hard inquiries currently showing on my credit file. 
I spoke to Customer Service Representative and Supervisors. They stated that I could not dispute inquiries, because they were factual. I needed to contact the company instead of disputing with Transunion. I explained them that some creditors were unable to even find those inquiries in their system and told me to call back to Transunion. The supervisor said that they would not investigate and I had to contact creditors if creditors would not investigate I had to leave it as it was. I asked her to provide everything she said in writing and she refused. I then informed her that I was told by the CFPB that I had a right to dispute inquiries directly with the Credit Bureaus, as well as, obtain documentation used in the investigation. Nothing happened. 
In the meantime, the discrepancies go unresolved, because the creditors and credit bureaus are not on the same page. I currently have the following inquiries to be disputed : XXXX Date- XXXX XXXX Date XX/XX/XXXX XXXX Date- XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX XXXX Date- XX/XX/XXXX and XX/XX/XXXX I could not dispute the inquiries, because both the customer service representative and supervisor refused to initiate the investigation. I want all fraudulent and unauthorized information to be deleted from my credit report. 

I also sent them a letter that I have received fro XXXX directly ( not XXXX ) telling that these inquiries were not authorized but should be removed but Transunion did n't remove 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 non-monetary relief
Consumer complaint received 10/21/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (CA).
Issue: Using a debit or ATM card

Complaint: My complaint is with Rush Card from XXXX XXXX on XX/XX/XXXX I received an email telling me about a maintenance cleaning that they were going to be doing and that it would only last for four hours the next day I thought it was fine and that I would be able to pay my bills ( pay-cellphone bill, gas in the my car, buy food for my kids, get costumes, buy personal things for my self ) but everywhere I went they told me that my card was declined. and I 'm still struggling today because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Hello everybody and thank you for your help. 
On or about XXXX XXXX I attempted to deposit {$1900.00} to my Santander Bank account via ATM at XXXX XXXX branch of Santander, XXXX, MA ( I used ATM that is furthest from the entrance ). ATM took the money but did not deposit any amount on my account, neither it gave it back to me, neither ATM provided receipt. At the spot I contacted customer service of the bank and representative assured me : that I can leave that location, money will go nowhere, they will deposit provisional credit while they are conducting an investigation. Reference number for the call and opened case is : XXXX As the result {$1900.00} were deposited as provisional credit. 

Yesterday ( XXXX XXXX ), I received a letter from the bank stating that there was NO error found on their side and they will take provisional credit back on XXXX/XXXX/2016 ( and they took it ). 

Today ( XXXX XXXX ) I called their Card Claims Contact Center. XXXX, a representative, and XXXX, her supervisor, told me that ATM team did not find any excess of cash in the ATM where I deposited my money. Therefore they closed the case and withdrew {$1900.00} back making my balance negative ( which causes a potential problem that bank will charge fee if I ever attempt to use my card ). 
As the result of the conversation the new claim and complaint about how case was handled by them was opened. Ref # XXXX, complaint # XXXX. I demanded a better investigation to be done. XXXX and XXXX assured me that Fraud Prevention team and Card Claims team both will be involved, as well as they will be using video recording from the cameras at the spot. 

Imagine yourself in my shoes, when bank took {$1900.00} and make you pay for it. This amount of money is not a needle in the haystack and if Santander bank has internal problem of theft, unprofessionalism, problem of audit or not properly working ATMs it must deal with it but not customers. 

I have some questions/suggestions if that will help : 1 ) why it took them more than a month to investigate? Is n't it supposed be under 30 days? 
2 ) what will they do differently during the reopened case.

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
Consumer complaint received 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is a result of a judgement found against me during eviction proceedings. However, the collection company is attempting to collect over XXXX the amount of the judgement. The bill I was sent includes charges specifically prohibited by Texas Law. I believe that it is illegal for them to send me a bill for items prohibited by law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did not open an account with this creditor.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX XXXX - Past the statute - Remove XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX/XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX/XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX/XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Transaction issue

Complaint: BofA card. Booked flight 0nXXXX/XXXX online. Recieved call from BofA fraud to check charge. Confirmed all of my info. Was told everything checked out. Recieved itinerary from airline. Checked card balance on XXXX. Balance was short airline charge. I called BofA to find out why and I was told they declined the charge. My credit rating is excellent, and I carry a very low balance ( balance was {$300.00} dollars at time of booking. Credit limit of {$8000.00}. ) But they approved the charge from the internet booking company for {$12.00}. I then needed to rebook my trip, and the cheapest flights we could find were {$300.00} more than previous. Flights were rebooked on my wifes credit card, as we no longer trust BofA. BofA is directly responsible for this charge, but they refuse to pay. Card was cancelled on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (UT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK. looked at my credit report today X/XX/17 and it had already shown up that CNBA had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (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 recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # Dept Of Education/Nelnet All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017 we received an escrow review statement from our mortgage servicer, Wells Fargo. The statement showed that our escrow account was below the acceptable amount and that we either had to pay {$1400.00} upfront to bring our escrow account to the correct balance or our mortgage payment would increase from {$1700.00} to {$1800.00} a month. When we received this escrow review statement I called Wells Fargo the same day to figure out why it was increasing so much. The person I talked to said they will have to look into it and get back to me in a few days. On XX/XX/XXXX I received our closing disclosure and our account activity from Wells Fargo where they tried to explain the issue. From looking at the documents I was able to figure out the issue was they missed doing the initial escrow deposit on our account at the time we closed on our house. I was transferred to an customer service agent who could help me. On XX/XX/XXXX I again tried to call and figure out if they could correct the issue. I even brought in the person who was involved in the closing of our house from XXXX XXXX and she too told the Wells Fargo representative where the issue was. The person was unable to fix the issue and said they needed to look into it some more and would give me a call back. I never received a call back from them, but a call from XXXX XXXX on XX/XX/XXXX, he had helped me on a previous issue I had with Wells Fargo. I sent him all the information I had and he was able to get someone higher up, XXXX, to look at the account. On XX/XX/XXXX I asked for an update on the issue and I was told it was still being looked into and that multiple departments are working with this but they thought it would be resolved on Friday XX/XX/XXXX. Since that time I have received no new information and nothing about when or how this issue will be fixed and we are currently paying the {$1800.00} fr our mortgage.

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 04-04-2017 about Bank account or service (Cashing a check without an account) with MARINER FINANCE, LLC (VA).
Issue: Account opening, closing, or management

Complaint: By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.

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