milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, XXXX and Experian ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. Experian inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

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 08-09-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Student loan (Non-federal student loan) with Genesis Lending ().
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have student loans from XXXX College called Genesis loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX College to a new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. But as of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX Colleges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 02-05-2016 about Debt collection (Auto) with NRA Group, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Back in 2012 I voluntarily surrendered my vehicle. There was a remaining balance on the loan, which then got sent to collections. Since 2012 I have moved twice, and never received anything from the collections agency National Recovery Agency. I called them from from the number that was on my credit report, asking if they could please mail me something to verify my debt and balance that I owed. They said they mailed something back in 2012 and they did not have to send anything again. I told them that I never received anything, and asked again if they could send me something. She said they were not a billing company and since they already sent something in 2012 whether I received it or not - and my address did change- they would not send anything else. She also said that if I made payments on my debt they do not send a receipt or updated statement. How am I supposed to pay on a debt when collections agency practice like this? How am I supposed to pay when I am unsure of the amount, and if they are applying my payments to my account?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Credit monitoring or identity theft protection services

Complaint: On  XXXX   XXXX ,    2017 I re ceive a Notice of Default and Intent to Accelerate.and paid the amount of {$12000.00} to cure the default On  XXXX   XXXX ,  2017 I  received a Notice of Denial of Escrow Cancellation since I owed the same amount that I had previously submitted in a form a cashier 's check.     Upon calling the company, I get completely different answers, and finally called yesterday and was told that the amount I sent was not going to be applied to the default and that I owed an additional {$10000.00} to cure the original default.     That I would lose my house if I did not give another {$10000.00}.     That the customer service number is completely useless, and that the supervisors are completely useless. They need to be monitored and need to go through ethics training to stop causing distress to so many consumers

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Other type of mortgage) with Quality Loan Service Corporation (CA).
Issue: Closing on a mortgage

Complaint: I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. 
XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX  XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: I am filing a complaint for a credit card that I never received and was never sent any statements for. Until I called I did not know the credit card was for XXXX. ( Chase card # XXXX ). When I called and talked to Chase they informed me the charges was {$30.00} a month for a XXXX card which I never received nor used. They do not state anywhe3re when applying for the card of a monthly {$30.00} fee and the fee is nothing. If the card was used to make a purchase I could understand, but {$30.00} a month to have the card is just plain robbery by Amazon. I would like to have it removed if it can, if not then something to show payments were never late since I never received any statements or a credit card from them. For the record after talking to them I paid the card off and closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. XXXX Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under XXXX ( a ) ( 3 ) or the income-based repayment plan under XXXX ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Jvs group (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX I sent a letter form to JVS Group requesting information about a debt that was on my credit report for {$350.00} from XXXX XXXX XXXX I was not aware of and explained how I was involved with this agency. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me and proof of my agreement to pay this bill due. I ask for the debt to be validated with a copy of an agreement showing my signature where I agreed to pay this bill. I did not receive the requested information in their response I received on XX/XX/XXXX to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to send them my form letter again! and will honor my request for information which they did NOT do. I have not received the information that I requested from them within the 30 days required by law. I will attach the letter I received from this company along with this complaint. I requested what is within my legal rights and per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that validation of the account is required. What I received was a single sheet of paper ( attached ) with notations showing an amount, date, and my name. This is NOT validation that I owe a debt. Attached is the original form letter I sent requesting information also as I am not a lawyer and wanted the letter to be as correct in what I was requesting. All I got back was their FORM letter saying they are sending me the requested information, and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ). 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars. 

I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information. 

However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I have made a few attempts to make a different arrangement to pay back this payday loan, I can not afford the XXXX withdraws The Cash Store debits my bank account any longer, I have spoken with XXXX the store manager at the Cash Store XXXX XXXX XXXX XXXX XXXX Texas XXXX, she informed me that I made an agreement with the store and signed a contract, which I did, she said she could not help me with any other type of arrangement and refered me to Cottonwood Financial, when I spoke with XXXX from Cottonwood he informed me that he did not have any of my information beacuse I had not defaulted on my loan at that point and I would have to wait XXXX weeks after I defaulted, before he could even talk to me, I explained to him I want to pay my loan I just can not afford the XXXX withdraws of {$240.00} bi-weekly, he was extremely rude and ridiculed me saying he could not help me with anything until my account made it his way. The Cash Store and Cottonwood are incabale and unwilling to help me make different payment arrangments, I am stuck, I can not afford this, my finaces are spinning out of control because of this payday loan, and no one on their end can help me resolve this loan, Its simple I want to make less payments per month. I wish I had not been so confused with all the paper work and understood more of what I was getting myself into. Bottom line is I do not know where to go from here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My credit report shows an account with a balance from Synchrony XXXX. Please provide validation of debt.

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 04/13/2016 about Consumer Loan (Installment loan) with Clarity Services (FL).
Issue: Shopping for a loan or lease

Complaint: I am not really sure what this loan credit inquiry is that is being reported on my credit report. I did not authorized applying for a line of credit through " XXXX XXXX '' and " XXXX ( XXXX ). Company is XXXX, FL XXXX. They have tried twice to preapprove me on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I need it to stop and for the unauthorized inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: Capital One Bank 's Claim Department denied to credit my money that has been taken from fraud transactions in amount of {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Other

Complaint: Synchrony Financial Bank / Care Credit Fail to post payments and allocate them to the correct promotion. causing undo stress of dealing with XXXX reps a poor phone system that keeps you on hold for over 1 hour. and reps refusing to do their job correctly. continued follow-up calls need to be implemented for this to get done. It 's pretty sad that you need to turn to social media sites to get action and have been blocked due to threatening a class action lawsuit.

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 11/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Wells Fargo and have been impacted by the flood of 2016 in Louisiana. Wells Fargo is showing favoritism to customers by denying full release of checks to us while fully releasing checks to others ( who we understand have family employed with Wells Fargo. ) Our settlement check is for {$230000.00}. The other person 's check is for approximately {$200000.00}. According to a letter dated XXXX XXXX, 2016 from Wells Fargo we were declined the release of this check due to the amount. " On XXXX XXXX, 2016, another customer of XXXX XXXX, LA was notified of a full release of their check and was given funds from the local bank. They also received a certified letter from Wells Fargo in early XXXX prior to Wells Fargo receiving their Proof of Loss statement notifying them that they would be able to have their check fully released to them. On XXXX XXXX I contacted Wells Fargo and spoke to XXXX XXXX in the Property Loss Department and asked what was the criteria to have my check fully released. He stated that it was based on the amount of the check. I explained to him that a customer received a letter notifying them that their check would be released and this was sent without Wells Fargo knowing the amount of settlement. He then sent my call to XXXX who is on the Resolution team. I asked the same question and was told that it was not based on credit, standing, loan to value or any other criteria but simply based on the amount of check. Checks at $ XXXX would be released. He stated that if someone received that letter without knowing the amount of claim, " then that letter must have been sent out by mistake. '' At this point, I requested that my check be released to me in full stating that we our outstanding customers, never in default, professionals, willing to provide past 2 years tax returns, great credit scores and that we had a vested interest with substantial equity in the property and were not a high risk. We were declined. We have been continuing to make repairs to our home. Wells Fargo has completed an inspection on the property and determined to be at 50 % completion and this is without using the settlement check that I still hold in my possession. We are no different than the other customer other than we do not have a family member working for Wells Fargo and we have completed 50 % of the work while the other customer has done 0 % to rebuild their property. How is it possible that consumers can be treated differently as such? We can provide names and documents to substantiate our claim.

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 06-02-2017 about Debt collection (Other debt) with National Enterprise Systems, Inc. (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: NES NATIONAL Enterprise Systems XXXX XXXX # XXXX I understand that the {$230.00} debt is owed. I have every intent to repay the bank, however, I have been unemployed for 6 months and is currently collecting {$150.00} per week in jobless benefits for 12 weeks. Because I work in XXXX, I am subject to pass a credit check before an offer for employment can be extended to me. I applied for the XXXX XXXX positions with the XXXX XXXX XXXX, XXXX, NC and I am required to pass a credit check. I can not have any collections or judgments on my credit file. It 's critical that my credit file remains spotless because I will have to undergo credit checks for any positions I apply in 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 04/20/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I contacted Bloomingdales credit about charges on my account that were not by me ( fraudulent ). They responded on XXXX/XXXX/2015 with a letter asking me to fill out a fraud claim form. I did and have been given the run around ever since. The matter has still not been resolved and I have called every 2-3weeks. They have said they are still investigating, they said my claim fell through the cracks and they are working on it now, they have said I will take another 1-2 billing cycles to resolve it. Every time I call, it 's the same story. 
I contacted XXXX and they had me fill out a police report for Identity Theft and they would help me. However, Bloomingdale 's is giving them the same run around as they give me. 
In the meantime, I have bill collectors calling me and sending me threatening letters. I call every time and explain the situation and they promise the calls will stop, but they do n't. Most importantly, my credit score has dropped from XXXX to XXXX!! I am at my wits end and do n't know what to do next. Please help- however you can.

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