milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I got a LOWES credit card last year with the promotional offer of 0 % APR for the first 18 months. After making payments of over a year, I recently discovered that I was being charged a debt protection fee that I have zero knowledge of agreeing to. Over the past year, XXXX XXXX has been charging me up to {$74.00} a month for something A ) I didnt sign up for, and B ) dont qualify for since Im XXXX. 

The only thing I was able to do was to stop from having the charges continue moving forward by opting out. I dont get my years worth of paying this phony fee back. To say that I feel cheated is an understatement. 

XXXX XXXX should tell their borrowers that theyre charging their new customers a free each month for something they may not be aware of or ever be able to even benefit fit from. How is this even legal?

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 06/13/2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing a medical bill placed on my account by Nationwide Recovery Service for {$380.00} ; due to the fact it has been previously paid. This collection has been paid, and then transferred to another credit company. This account has already been removed from my XXXX account. After XXXX completed their investigation, then immediately this account was placed on XXXX credit report. As you can see this account was opened on XXXX XXXX, XXXX. I have never been contacted by this company before stating that I owed any amount of money. Now, over 5 years later, this company has added a debt collection to my account, with no contact or billing over a 5 year time period. Over the past 5 years I owed XXXX Medical bills that have gone into collection. XXXX paid to XXXX XXXX on XXXX/XXXX/XXXX and another to XXXX XXXX XXXX/XXXX/XXXX. I am certain that I owe no medical bills at this time and that this outdated medical bill is incorrect, due to the fact that during the time of service my medical insurance paid a portion, I paid a portion of the medical cost, then on XXXX/XXXX/XXXX I completed a {$600.00} payment to XXXX XXXX company for any remaining balance of the medical service. 

This continues to be an ongoing problem. I accumulated medical bills while in college. Since this time I have paid all my debts that originated from a XXXX medical procedure. It seems the more I work on my credit, another new debt that has been paid is added. I appear to be playing whack a mole with these medical bills. I pay XXXX bill in good faith, for it to turn around and be sold to another collection company and be added to my account. As an adult these frivolous debts are affecting me in many ways. I have been in the process for several months buying a house. I once again have to put that on hold, because of the new debt collection added to my XXXX credit report. The first time I put buying a house on hold was in XXXX of XXXX, due to the fact this same debt was added to my XXXX credit report. It has since been removed from my XXXX credit report, to be added to XXXX immediately after. I 'm wondering when this will stop. 

Another way these debts affect my life is for background checks. I work for the XXXX XXXX XXXX XXXX. None of these accounts appeared on my background check completed in XXXX XXXX. Since then, they have continued to appear from a bill dating in XXXX XXXX. In the near future I am due for my 5 year background check and here I am again. 

All In all, I 'm just looking for a way to have these bills removed for good. I have sent the attached information and filed a dispute with XXXX, but it 's anyone 's guess if they will remove the bill or not from my credit file with their company. I have statements attached that show all of my past debs have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have responded several times to try and get Equifax to remove several inquiries that are not mine since last year and have yet to receive any response at all. I also asked to be removed from monthly credit monitoring and am not sure this has been done as of yet. 

I should have XXXX inquires on my credit report yet all these are listed XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX I wish to have them removed and stop billing me for monthly services. 

XXXX XXXX XXXX XXXX nc XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WV).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for a Citibank credit card on XXXX/XXXX/XXXX. The bank sent me an e-mail on XXXX/XXXX/XXXX stating they needed additional info to verify my income. They sent me a list of documents I could choose from. I selected to send them my paystub. I faxed my last two most recent paystubs on XXXX. But because those paychecks did not include my social security number, a Citi representative wrongly told me to resubmit my paystubs and handwrite on them my social security number. I faxed the new documents on XXXX/XXXX/XXXX, and followed up later that night. Another Citi representative from their Application Status department informed me they could not accept me writing my social security number on my paystub and needed me to send an actual social security card. So on XXXX/XXXX/XXXX, I re-faxed my paystubs again and, this time, faxed in my social security card. I followed up an hour later with the bank. First, they transferred me to an automated system where I could n't do much. I hung up and called again and a representative transferred me to the Application status. The transfer failed and I was accidentally disconnected. I called a third time and when I finally spoke with a representative, she informed me that I might be better off e-mailing the social security card because of concerns the faxed SSN card might not be readable. She provided me with an e-mail on where to send the SSN card. I took a picture on my phone, front and back, and sent it to XXXX. When I followed up later that night, I was given another run around that was the last straw for me. I was told they could not accept a social security card and that I had to submit my XXXX showing my social security number. I was very upset and asked to speak to a supervisor. I spoke with a supervisor from South Dakota by the name of XXXX for more than a half an hour and she ended up hanging up on me, tired of hearing my frustration, and telling me she has to leave because they were getting ready to close. She stated Citi needed to verify/confirm my address ( I had just bought a house less than a month ago ) and my credit report address showed my older address. But I pointed out to her that sending my XXXX would not address the address issue, since my XXXX will still have my old address. No card for me to date.

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 09-07-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (MT).
Issue: Fraud or scam

Complaint: A buyer started a fraudulent dispute wanting his money back. He was supposed to return the item he purchased for {$2800.00} before PayPal refunded the money. The buyer then returned a cheap {$75.00} item and PayPal returned the {$2800.00} to him. I started a complaint with PayPal and they requested among other things an internet fraud report ( FBI ), photographs of the piece sent and the piece returned, a professional appraisal of the item received and the item sent etc. After I provided all the paperwork requested, I spoke with a PayPal representative and was assured she would look into it. PayPal ignored everything I supplied. I lost the money and my item to the swindler who had to proof nothing and with PayPal 's help got away with this scam. I am concerned he will do this again and again and other people will be scammed out of money with PayPal acting in such a unjustified and unprofessional manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Student loan (Private student loan) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: AES has claimed the loan was issued in XXXX when it was actually issued in XXXX. This is untrue and has resulted in inaccurate interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have sent Experian all information according to FTC for identity theft. Including : FTC Identity Theft Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B Also, included is a local police report Experian received in the mail on or about XXXX/XXXX/2017. I have since recieved a report that one item is not being removed from my report because verified a accurate. When someone uses my identity that info would be my info and would be accurate. I refer Experian Fair Credit Reporting Act Section 605B section ( a ).

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 02/15/2018 about Debt collection (Other debt) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I disputed a collection account with XXXX and XXXX  being reported by XXXX XXXX XXXX and both credit reporting agencies responded back that the account was verified as mines. I have never had an account with XXXX which is the company ERC is collecting for and also I have NEVER received any correspondence or letters from ERC about this debt. I have no knowledge of this account and I have never opened any contracts with XXXX. This negative information being reported is negatively affecting my credit and I want it removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I got a second mortgage on my payed off home in XXXX from PNC to pay off a loan on a mobile home in XXXX. The home in XXXX is NOT part of the collateral for the XXXX mortgage on my home is XXXX which is valued at six times the value of the loan. The XXXX home was paid off in 2006. Instead of having my title for the mobile home sent to me PNC insisted to both the state of XXXX and XXXX bank that the title be sent to them. Now I can not get a title and I can not sell this home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Consumer Loan (Vehicle loan) with United Group Inc. (WA).
Issue: Managing the loan or lease

Complaint: I was in an accident. I had a loan on the vehicle. The finance company had an insurance policy on my vehicle so the car went to the finance company after the accident for the insurance company to pay off the claim. Instead of handling the situation properly the finance company put the car on my credit as a repossession. The car was n't repossed at all. United Finance Company XXXX WA

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SLS recently began servicing my loan when the IR reset causing my payment to double. So starting in XX/XX/2016 I began submitting all of the required documentation to have the loan modified. Since this time the experiences I have encountered have made me lose confidence in their ability to execute loan modifications timely. Today is XX/XX/XXXX and I just got another call stating the XXXX doc that I sent back in XXXX is now invalid because the date is old. Furthermore, they told me the XXXX submitted for the co-borrower was also invalid when in fact just a few weeks prior they confirmed it was fine. It appears every 15 days or so they contact me to tell me about another random document that was n't requested up front is now needed and if I do n't send it I wont qualify. I have been very responsive when it comes to providing the necessary documentation but these long delays between calls and these random requests for documents that were not requested up front need to stop. In addition my single point of contact is 'bullying ' by stating [ with attitude ] that the mod wont get done if do n't supply the documentation. I do understand this but the aggression she showed is class-less. 
I am struggling to pay my mortgage and need a decision ASAP on if I qualify for a loan modification. I am borrowing money to keep the loan from going 60 DPD but it is becoming increasingly harder to make the payment. Based on these poor experiences I now believe SLS is purposely delaying the execution of mortgage assistance because the MHA program has ended and so has the Obama administration. this perceived negligence needs to stop and I only hope the CFPB can help end the madness. I think it is safe to assume hundreds ( if not thousands ) of other customers who have SLS servicing their loan are facing the same situation. I take confidence knowing the long reach of the CFPB and thank XXXX almost daily for their existence. Please 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 10/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had fraudulent activity on my Wells Fargo checking account. Someone was able to gain access to my online account, change my login and password. After gaining access, I received a call from a person ( Male ) claiming to be from XXXX on XXXX stating they were verifying a charge in Ohio for {$1000.00} that looked like fraudulent activity. I told them I was not in Ohio and did not make a purchase. They stated they ( WellsFargo ) would remove the charge and needed to verify that I was XXXX XXXX by sending me an immediate text message with a confirmation to repeat back to them on the phone. I immediately received a Text message ( stated in text that it was WellsFargo ) and repeated the confirmation code to the WellsFargo representative. They said all would be fine now and that the charge for {$1000.00} will be removed. Ended call. I immediately signed into my account ... which was an issue as my password & login seemed to be wrong. I did the necessary steps to reset login and immediately noticed a {$2400.00} Transfer out of my savings labeled " Transfer to Prevent Help ''. I called WellsFargo ( XXXX # listed online ) and who informed me that I was scammed and a claim would be initiated and they would set up an investigation. I was upset as they continued the process of reading the legal statements and were not AT ALL reassuring that this was going to all work out once they investigated. It has been 7 days and I have done all necessary ( went to the branch, changed accounts to new accounts etc ). I am aware that I have rights to my $ $ and ca n't believe it takes this long to determine that it was fraudulent activity. I 've contacted my local WellsFargo Banker and he said I will get my money back but not until after the 10 BUSINESS days. Is this fair?

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is a fraudulent bank account that was opened in my name. I have spoke to a security officer in which the account was supposed to be deleted from chexsystems, which it is still showing. I have  contacted my lawyer as well with this information to come to a resolution

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 09/23/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (AZ).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 

Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus. 

My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information. 

Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Mortgage) with Ditech Financial LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Please refer to my original CFPB Case # XXXX, the calls have continued as of XXXX/XXXX/2015. I have had XXXX calls since this date. I have continued to make payments on time without fault, based on the arranged payoff agreement. All payments have been on time each month. Stop calling!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain my free annual credit report from Equifax. I provided all of the essential information that Equifax requested. They replied that I would have to submit sensitive personal documents through the US Mail to them before they would further consider my request. First, if I have to spend money for postage that does n't sound like a free report to me. Additionally, a private company could give the same information that I gave and instantaneously receive back the same report without question. I then opened a dispute calmly stating that I would be contacting the FTC should they not comply. They responded back that I would either have to telephone or contact them by mail to obtain my free report. I even gave them additional time to complete my request before filing this complaint today, so they had a chance to make this right and knew that I might involve the FTC -- and they blew it off anyway. Why? Maybe because they think the rules do n't apply to them. Trying to obtain something that is supposed to free online with no strings attached should n't include an ordinary citizen having to jump through bureaucratic hoops just because they 're not a big company. I 'm glad I fought back even though they may retaliate against me because it 's time to stand up for our legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown Olcott, PLLC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.

Company response to consumer: Untimely response