milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

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 02/25/2018 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Paypal allowed a fraudulent charge to occur on my account. I called the credit card company and they fixed the issue. Paypal locked my account down. I then submitted documentation on XX/XX/XXXX. The information has not been enjoying reviewed and my account remains locked. I have sent over ten emails and have gotten Zero Response. This violates banking codes of ethics and US Codes regarding access to accounts. XXXX is unable to access this account for payment causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter in XXXX from the lawyers office saying that I owed {$1300.00} I am immediately called them and asked if that was all that was owed they said yes I have made over {$700.00} in payments to this account yesterday I got a letter in the mail saying that with the same account number they now have a judgment against me for {$1400.00} when I called and asked how this could be they said they added {$800.00} in interest but I do n't understand how they can do this when the second amount is more than the first amount I need a lawyer that can help me they are financially harassing us I am afraid this is never going to stop with these people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
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: Good afternoon, On  XXXX   XXXX   2016 I m ade a purchase on  XXXX .     I  XXXX   XXXX  a received a package from the merchant  XXXX . The package contained the wrong merchandise. I returned said incorrect merchandise back to the merchant. They received the merchandise verified by ups tracking # and signature proof of delivery.     The merchant claimed that they sent me the correct watch and that the watch I sent them is not what they sent me. They refused to issue me a refund, and also said they were keeping the watch.     I have been in contact with the merchant and credit card company since  XXXX  of    2016.      I contacted my credit card company  American Express who closed the investigation a couple days ago in favor of the merchant. I supplied pictures, tracking # s, and proof that I tried to resolve the issue with the merchant. The merchant will not issue me a refund, and American Express will not resolve the issue either. Please help. Tha nks

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was given custody of my grandchild after he was XXXX XXXX XXXX XXXX  with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through XXXX. They are stealing my child support from social security. I was given custody on XXXX of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule XXXX XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.

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 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management has sent letters regarding a debt of {$640.00} that I owe them. I spoke with a company representative directly and was told to disregard the notice because the SSN associated with the account did not match. The recent notice I received is threatening legal action if some or all of the debt is NOT paid by XXXX XXXX. I spoke with the original creditor ( XXXX XXXX Bank in XXXX XXXX, NV ) and was told that there was no account registered under my SSN. This account has not been removed off of any of my credit reports, and I have recent submitted a complaint to the Federal Trade Commission with an affidavit to submit to the XXXX. Someone fraudulently used either my name, address, or SSN to open and close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XXXX / XXXX /   2017  I disputed  XXXX  hard inquiries online through Equifax that was not authorized by me. Equifax told me that I had to contact the creditors directly and I did that as follows and none of the creditors was willing to remove them because they dont know how to remove them. I then called Equifax and told them the situation and they told me that they could n't remove them as well unless they had a notification. Somebody is not telling me something and I need those hard inquiries removed.  XXXX  of them are from  XXXX   XXXX   XXXX  and  XXXX  of them is from  XXXX   XXXX   XXXX  services.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This student loan was taken with   XXXX   XXXX   in   XXXX   XXXX  . It is a    XXXX   XXXX   XXXX   wh ich could have and would have been handled through a bankruptcy on me   XXXX   XXXX  . Over the l ast three month s I asked and received from them the original loan application because it has been years since establishment. I have attached files which include my letter to  NAVIENT  and an offer to settle. In addition, the promissory note is included by  XXXX  pages.     By virtue of their rules,  NAVIENT  failed purposely to follow their rules by not speaking up when the bankruptcy was begun. They were notified. Student loans are automatically declared unable to be discharged under bankruptcy without question ; however, NAVIENT knew their loan was qualified to be discharged under bankruptcy. The   XXXX   XXXX   XXXX   XXXX   is a quietly kept secret from bankruptcy attorneys.     NAVIENT sent me a letter   XXXX   XXXX   XXXX   " We 've recently been notified that your bankruptcy case has concluded. Bankruptcy does n't always discharge student loans, and because your loan shown above was n't discharged, you remain responsible for repaying the entire remaining balance. '' I no longer work.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with ConServe (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company Conserve has been calling nonstop every day. I have told them to remove my number as I am not the person they are looking for. They hung up and are calling from different numbers. I have no debts and a perfect credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a medical bill paid off entirely and even the account it self states the balances is XXXX 2 years ago. I got a call on XXXX by debt collection agency claiming that I owe XXXX dollars and I have to paid the debt. I never got a notice of the bill or invoice or anything for the past two years since the date of service. I just received a collection agency bill yesterday. I check my mail every night after work, did not see any medical bills in there. For two years after I paid the medical bill off

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Risecredit, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My report shows there has been fraudulent activity on my report form different creditors and i dont know how to fix it or how it got there

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Wells Fargo account was positive XX/XX/XXXX and not actively using.
XX/XX/XXXX My identity was compromised, XXXX, XXXX, XXXX, XXXX, XXXX, ID etc.. XX/XX/XXXX walk into Wells Fargo inform of compromise request statements had n't been receiving, Told checking charged off with balance of {$430.00}, unauthorized transaction and reversal of funds, was not enough funds in account but allowed the transactions and was not enrolled in overdraft protection. My phone was damaged in XX/XX/XXXX had no access and my address changed several times according to banker. XX/XX/XXXX File first claim for {$890.00} unauthorized transaction.
XX/XX/XXXX claim denied said my card my pin, unauthorized transaction and requested documents they relied upon over the phone, twice, still yet to receive. XX/XX/XXXX many claims submitted and they submitted all as one totaling {$3200.00} XX/XX/XXXX email investigation complete errors found.called number provided they said credited {$390.00} which was funds they could recover {$600.00} waiting to see if can collect from 3rd party. Credited amount went to charge off and many o consider the case closed. Notices were confusing, again requested copies of documents they relied upon, have yet to receive. Notice states that XXXX did not post to which statements do n't reflect also requested specific charges they claim did n't post, have yet to receive. Uncertain as to which transactions were errors and actual total of errors.

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 10/23/2017 about Debt collection (I do not know) with D&A Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have caller ID at work. A call came in to my work place which is against the law to do. Especially calling a total of XXXX times today. Other co-workers answered it and patched the call to me thinking it was one of my clients. The girl called herself XXXX XXXX and said my phone is being recorded and bluntly said my social security number which is very scary and just wrong. 
The call came in on XX/XX/XXXX-XXXX times that day. 

They should not be in business harassing people at their work and collecting a debt not even saying what the debit is for just screaming out my social security number. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (MI).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted  Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the  XXXX   XXXX  they are looking for.     Accounts are reporting as follows : CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX     XXXX  Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date o f 1 st De linquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00} CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date  of 1 st Del inquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00}

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 10/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with Eagle Home Mortgage, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: We placed a contract on a new construction spec home owned by XXXX. At the time, our current home was under contract ( cash deal ) and we had to close in 3 weeks. The realtor at XXXX did not make the sales contract contingent on the sale of our home, but instead made it contingent on our ability to obtain financing within 30 days. He also suggested that we put down a hefty binder deposit of XXXX to secure this new home. We did. 
Two days after signing the contract for the purchase of our new home with XXXX, our buyers backed out of the deal to purchase our existing home. This left us with XXXX choices if we still wanted to move to the XXXX XXXX. 1. Put our house back on the market ASAP or 2. Rent out our current home. After doing much analysis on market conditions, etc.. we decided that we did not want to do either, and we would just remain in our current home and get denied on the new construction XXXX XXXX based on the fact that we ca n't qualify for both payments. 
My husband and I have been in salaried jobs for 20 years and we are still in those jobs. However, in the past 3 years, we opened a business which has sustained significant losses. When submitting the documentation for our loan, we provided tax returns showing these losses over the past two years. 
Our initial ( verbal ) loan approval was based on the requirement that we would either need to rent or sell our current home. We told that that we wanted to do neither and we submitted our official Notice of Cancellation and asked that they return our {$10000.00} earnest money check. The very next day, we get a call from UAMC ( XXXX 's mortgage company ) saying that they are overlooking the losses on our tax returns and that we are approved carrying XXXX mortgages. 
Based on this unconditional loan approval, we have XXXX options : 1. We close on the new home or 2. We lose our earnest money deposit or 3. XXXX holds the earnest money for 12 months and we buy another XXXX XXXX. 
Our issue with this is that we KNOW we ca n't afford our current mortgage plus the new mortgage based on our current ( and sustained ) business losses. They are forcing us into a financial situation that we ca n't afford and that significantly worsens our financial position. Our Debt to Income ratio without counting our business loss is roughly 37 %. Our Debt to Income ratio while counting out business loss is roughly XXXX %. I know that the XXXX standard for DTI max is XXXX %. We greatly exceed that DTI when our tax returns are factored in. We do n't understand how a lender can 'overlook ' a two year average of almost {$65000.00} in business losses, and therefore force us to purchase a home that they KNOW we ca n't afford.

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