milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: An extended fraud alert was placed on XXXX/XXXX/XXXX with Transunion File # XXXX. I was told it would last 7 yrs : XXXX. Sometime between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, an individual, who has been fraudulently using my Social Security Number for at least 12 years to try to open lines of credit and earn wages, was given access to my credit profile and was able to successfully change or add the name, address and fraud alert contact number to her own, therefore being able to successfully secure at least XXXX lines of credit with a credit card company. This is unacceptable and does not make any sense. I specifically named her as an identity thief with the FTC and Transunion going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX/XXXX/XXXX, a Transunion representative says they are " repairing '' my credit profile, but refused to provide me with a copy of the credit file showing how my information had been manipulated so that I could add this info to the policy report and further protect myself. The other credit bureaus ask you to mail in your requests - which is leaving an victim of identity fraud open to more fraud ( mail theft???? ). This is a thoroughly maddening and disappointing process and something needs to be done so that the credit bureaus start adding layers of fraud protection and identity verification. It is harder to change info on my email account than it is to change info related to my SSN. This is unacceptable.

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 07/13/2016 about Mortgage (Other mortgage) with Seterus, Inc. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been waiting to finalize a Deed In Leiu for a year with Seterus. I received douments Saturday XXXX XXXX from XXXX County Circuit court containing suspicious content for the same mortgage. The document contain XXXX XXXX XXXX and his ex wife XXXX XXXX XXXX. 
It also contains the Quit Claim Deed executed XXXX/XXXX/XXXX. This house was my Mother 's who has been deceased since XXXX/XXXX/XXXX. 
The Plaintiff is XXXX XXXX XXXX XXXX. 
Please give me a fax number to fax these documents. 
XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, AR XXXX P XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: RushCard made by XXXX XXXX has done something where the systems has locked and frozen peoples a counts all through out the nation. I am one of the people that is affected by this. Im sure this is n't the first compliant. This has been happening since XXXX. Im very upset by this as also many more. I have bills that need to be paided that dont care that my account is frozen. They will not awnser the phone or contact any one. If you call they hang up on you.I want my money and tp be away from this whole issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt inclulded in Chapter XXXX BK, collection agency will not accept and continue to collect debt. Some one use my name and information for a ticket and failed I was charge with a XXXX, something I was not aware of this happened in 2011 and I am just aware of this. So I am trying to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,   XXXX  , I mailed a certified cashier 's check in the amount of {$300.00} to  PayPal Inc. Attn : Accounting   XXXX .  XXXX   XXXX   XXXX ,  XXXX   XXXX  in order to cover for the negative balance on a family member 's linked account,  XXXX  XXXX  XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by  PayPal. T he family member lived with me for about a year or so, and then moved out.     On  XXXX   XXXX ,   XXXX  , I opened a new  PayPal ac count to continue my business (  XXXX  XXXX  XXXX   ),   but I did not begin using it until  XXXX   XXXX ,   XXXX  , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on  XXXX   XXXX ,   XXXX    (  3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with  PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal  with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation.     At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that  I did ).  However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue.  PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal  account (  XXXX  XXXX  XXXX  ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money.  PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be.     Thank you for your time and consideration.

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 07/29/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: I emailed LoanCare to confirm that if I made a one-time principal payment so that the principal value of my loan reached 80 % of the original value of the property securing the loan, and the appraisal showed the value of my home had not gone down, I would be able to cancel my PMI.
Instead, LoanCare sent me a letter setting forth additional conditions that I would have to meet to remove my PMI, conditions that I do not believe are permitted under the Homeowner 's Protection Act, including that I would have to wait at least two years to terminate my PMI ( See Attachment A ). Then I called customer service to talk about whether or not I would have to wait two years until LoanCare would let me terminate my PMI. I spoke with Customer Service Manager XXXX XXXX, who told me that there was a two-year " seasoning condition '' on my loan, such that I could not cancel my PMI for two years. ( See Attachment B ) ( email from XXXX XXXX directing me to website with information about two year seasoning condition ). I do not believe that " seasoning conditions '' are permitted by the Homeowner 's Protection Act. ( See Attachment C at page 6 ) I am now thoroughly confused and no one on LoanCare 's customer service team has responded to my repeated requests for clarity.

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 07/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was signed up for Paperless Billing and did not receive any notice from FedLoan servicing that my bill was due in XXXX. In XXXX I spent six days in the hospital and had to have an unexpected XXXX and another in May. In XXXX, my wife and I were reviewing all of my medical and personal bills to ensure we had everything under control. To my surprise my credit score had dropped and I was several months delinquent on my four student loans. Had I known about the payment due I would have set up arrangements as I was intending on returned to school to finish up my degree after my illness. My student loans were put on forbearance, but they refuse to do anything about the delinquency on my credit report even though I did not receive any notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: debt is not on my credit report they are saying that I will be served or I missed the sheriff who came with the summons! or they sent me a letter ( which I never received XXXX they give me my social security number and my current address XXXX scary ) They told me they could only give me my pay off opts so I could settle the debt asap! They will not give me the court or anything else since I am being sued! The is the XXXX time they have call in in the last year and gave me the same story. They are getting more risky they gave me a address this time but I looked it up and I still cant find information about them!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Federal student loan) with SUNTRUST BANKS, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Payday loan () with CHECK INTO CASH INC. (MO).
Issue: Received a loan I didn't apply for

Complaint: Loans by Phone a subsidiary of Check Into Cash deposited a {$300.00} loan into my checking account on XXXX XXXX, 2016 without my authorization. I never applied for a loan from this company. If any interest is taken out, I will pursue fraud charges against this company. My bank has already been informed of this situation, and the account will be cancelled when Check Into Cash debits my account. As I am currently in a chapter XXXX bankruptcy, I am also informing my attorney about this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home on XXXX XXXX, 2015. My first payment was scheduled for XXXX/XXXX/15 to be made to Primary XXXX Mortgage in the amount of {$890.00}. The first payment was deducted from my bank account on XXXX/XXXX/15 in the amount of {$900.00}. The second payment was made to the same servicer via a cashier 's check on XXXX/XXXX/15 in the amount of {$890.00}. 

I was notified in XXXX that my account was going to be service transferred to XXXX XXXX XXXX XXXX XXXX mortgage ) and the payment for XXXX/XXXX/15 was to be made to them. The account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX as current, due for XXXX/XXXX/15. The XXXX payment was processed on XXXX/XXXX/15. The XXXX payment was also sent to XXXX and processed on XXXX/XXXX/15. I received a letter from XXXX XXXX XXXX at the end of XXXX advising that my XXXX payment had not been received. I called and spoke to an agent who advised that I must sent in proof of payment. The proof of payment was faxed on XXXX/XXXX/15. On XXXX/XXXX/15, I received a call from the servicer advising that they completed research and determined that all payments were posted accurately and the account was still delinquent. I spoke to a supervisor who advised that at the time of service transfer, the account was 30 days delinquent and due for XXXX/XXXX/15. 

I sent in an additional proof of payment for all XXXX payments, including a screenshot of my transaction history on XXXX/XXXX/15. I have called every other day since then and have yet to receive a response. My last conversation was on Monday, XXXX/XXXX/15, in which the agent advised that they are trying to get a hold of CHFA to see what happened. As they answered the phone as XXXX loan servicing, I was under the impression that they were doing the research. It has been almost 30 days and I have yet to receive a response. 

Additionally, on top of the dispute, I am currently accruing late charges and negative reporting to my credit. 

I would like to have this issue resolved as soon as possible as it has been over 35 days since the first dispute was sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I receive Social Security XXXX benefits. I opened a prepaid Chase account and had my XXXX check sent to it. After poor telephone assistance, excessive miscellaneous fees and unacceptable terms I decided to close the account and sent my deposit to an alternative institution. I opened the account over the phone. But, when I called to close the account I was informed that the Issueing Agency, Social Security, had to close the account. I redirected my XXXX deposit. Four years later, XXXX sent a check to the account. Chase had not closed the account. Chase had continued to bill the account {$4.00} each month, despite the fact I ask them to close it. They took {$130.00} in fees. They refused to close the account until I got a XXXX Representative on the phone to confront the Chase representative that insisted the only way to close the account was by a XXXX representative. Chase gave me the run around before I conference called the Social Security representative in. They hung up on me many times. They would still be refusing to close the account had I not taken drastic measures. They would still be billing me just as I am sure they are still billing others. XXXX representative said SSA had closed the Chase service accounts years ago. Chase is committing fraud.I am sure I have the grounds for a class action lawsuit. I want My {$130.00} in fees that Chase stole from my XXXX benefit. during the period they continued to bill me they did not contact me to let meknow that I owed them fees. They did not contact me in any way. They held my personal information and continue to charge me and hold open an account in my name without my consent. After several attempts to close the account independently I resorted to waiting over an hour to conference a SSA representative in. This was exhausting and frustrating. I have been taken advantage of by Chase debit card services. They stole my money. They refused to close my account when I requested it. They refused to return my money they took for fraudulent fees.They are holding XXXX accounts open that should have been closed years ago. And they are still billing fees for nothing. I did not use this account for four years, yet they billed and billed but never sent me notice or an invoice. This Chase institution needs to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2016 and again in XXXX 2016, someone stole my XXXX XXXX credit card number and charged in excess of {$2000.00} in clothing. I reported XXXX of these cases of identity theft to XXXX XXXX, my local police department, each credit bureau and the FTC. XXXX XXXX claims they are investigating the identity theft. In spite of this investigation, XXXX XXXX continues to have their collection department call me and now they have placed a negative " 30 day late payment '' on my credit bureau accounts. I have REPEATEDLY called XXXX XXXX to try and get this resolved to no avail. Please assist me.

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 08/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Barclays Bank Delaware XXXX XXXX XXXX XXXX, XXXX DE, XXXX ) has twice in a years time issued a credit card fraudulently in my name to thieves, after contacting XXXX my credit score, XXXX whom I had requested a credit freeze. Additionally, they substituted the phone numbers of the thieves for my contact telephone number into my personal information XXXX. This was just descovered in XXXX while monitoring my credit reports. Finally, after being notified by phone, by mail and by XXXX, they have not removed the fraudlent account from my credit file XXXX after 8 months! XXXX. Please investigate Barclays Bank which appears to be fraudulent themselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Delinquent account

Complaint: I opened a lowes credit card and my account get sold to a collection company. When I called lowes to pay my bill they told me to call the collection compary witch I did so and the collection compary told me that I no longer own them for this account and if should not be on my credit reports any more. But lowes is still reporting that I own the collection company and will not take it off. I sent lowes a letter that the collection company sent me and then still reporting to all credit company that I own them,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXXComenity Bank They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XXXX. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.

Company response to consumer: Closed with explanation