milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account on my experian credit report was schedule to come of my credit report XX/XX/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX/XX/XXXX showing that XXXX account was schedule for deletion on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Late payments were reported to the credit bureau on my account and i had no idea that the payments were late. A family memeber was supposed to be making the payments and they decided not too and didnt tell me, so i had no clue. No one ever emailed me or called me to let me know the payments were due and late. As soon as i figured out about the payments i brought them all up to date and paid the balance. Navient never emailed me, called me or sent any mail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My private student loan recently defaulted on XX/XX/2016. I was unaware of this matter, until I logged in to make a payment, and no payment options were available. I 'm aware that I was delinquent on the loan during the past 4 months, due to life changing events and financial hardships, divorce and single mother of XXXX. During that timeframe I made XXXX payments in an attempt to try to catch up on the delinquent payments, yet the loan still defaulted on XX/XX/2016. I 'm a little confused b/c I spoke with the loan company, American Education Services, to try to see if there was something I can do about a lesser monthly payment in order to catch up, but they insisted that there was none available. They referred me to the collection firm, XXXX, that currently has the loan, and they 're requiring me to put {$5000.00} down payment. I do n't have that kind of money, I 'm trying to catch up on things that I currently have now. I 'm more than willing to make monthly payments, but I can not afford what they 're asking for. I 'm confused on how the loan defaulted and I made few payments, trying to get back where I need to be with it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i filed a complaint against experian here with the CFPB file # XXXX which was forward to Experian, and Experian responded since CFPB is a 3rd party they cant file the dispute, it has been almost 2 months since then, they requested my drivers licence which they have it already on file i gave it to them when i disputed this item, so they sent out this letter to CFPB and to me this is a stall tactic Experian is using so they should n't have to make a dispute, i need this to be removed from my report since Experian has no reason not to initiate my dispute, because Experian knows that i was the one to  dispute this item on my report its very clear that Experian is playing games, who ells wants this item off my report if not for myself? and Experian knows that i sent in the dispute, its been more then 30 days to investigate i by law Experian needs to remove this item from my report

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: my loan has been given/sold without my knowledge, i have been trying to make payment arrangements and keep getting the run around or no options let alone I did not complete school

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Payday loan () with Enova International, Inc. (FL).
Issue: Can't contact lender

Complaint: Loan was paid of f in 2011 and Lender has not removed information from credit report after 5 years XXXX XXXX XXXX said they do not contact Cashnet about loan pain in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.

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 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This complaint is to address the validation of information on my credit report obtainting to a Chapter XXXX bankruptcy that shows filed in 2010. Transunion is showing information on a bankruptcy filed in 2010 with an Indiana Bankruptcy court to which I have no recollection of this information nor do I agree that it is accurate. I have been mailing and faxing documentation to Transunion requesting information on this account to which they have not provided nor validated this account. I have also been in contact with my local clerks office and the court that they list on my credit report and have recieved documents from them. These documents state that they do not validate this information and they do not provide information to the credit bureaus. I have asked that they show me documentation on the process they have used to validate this information is mine to which I have not got a response too. This company fails to validate this information and now will not allow for me to continue to investigate or dispute this information. Please look into this validation of information and correct the 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 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY APPLYING FOR MORTGAGE ASSISTANCE. MY SERVICER, NATIONSTAR, HAS NEGLIGENTLY PROCESSED MY MORTGAGE ASSISTANCE REQUEST. I VERBALLY WAS NOTIFIED THAT I WAS DECLINED AND I WOULD RECEIVE THE DETAILS FOR THE JUSTIFICATION BEHIND THE DECLINE IN WRITING IN THE MAIL. IT NEVER CAME. AFTER SEVERAL ATTEMPTS OF COMMUNICATING WITH NATIONSTAR AND ASKING OVER AND OVER FOR A WRITTEN DENIAL, I WAS INSTANTLY PROVIDED A DENIAL LETTER VIA EMAIL ON XXXX XXXX, 2015. THE DENIAL LETTER WAS BACK-DATED TO XXXX XXXX, 2015. I AM REVIEWING FOR A POSSIBLE APPEAL FOR THE DENIAL, HOWEVER, I WAS VERBALLY INFORMED THAT MY XXXX DAY RIGHT TO APPEAL IS ABOUT TO EXPIRE BECAUSE THE TIME CLOCK STARTED XXXX XXXX, 2015 XXXX THE BACK-DATED DATE ). NATIONSTAR DID NOT PROVIDE A DENIAL LETTER IN A TIMELY MANNER. WHEN THEY DID, THEY BACK-DATED THE LETTER. NATIONSTAR IS DENYING ME THE RIGHT TO A XXXX DAY APPEAL PERIODL

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Other transaction problem

Complaint: Date : XX/XX/2018 Amount : {$1000.00} Contacted my bank USAA Savings bank to stop wire transfer 10-15minutes after transaction and also visited XXXX XXXX XXXX branch to also stop payment, no one could help me, BOTH only advise me to contact person who the wire transfer was sent to which was my Old landlord in XXXX which we didn't end terms amicable and now i live in XXXX. I did however send landlord e-mail requesting money back. Final Word on the both banks mentioned here was that money was already posted and couldn't get it back. Below is what happen : I wanted to transfer money from MY checking account to My savings account within same bank BUT Money got transfer UNINTENTIONALLY from my savings account to another bank Institution which we had business with in the past " old landlord bank account ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (ND).
Issue: Using a debit or ATM card

Complaint: Fail to reverse unauthorized charges - fail to real email indicating I have no dam phone - fail to mail or email - all details were submitted per bank request - still have not reversed charges or send new cc card. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: APR or interest rate

Complaint: Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a response from Experian that they will not reinvestigate an inaccurate fraudulent account that was deleted previously due to Identity theft. This said accounts XXXX XXXX. XXXX XXXX XXXX ; XXXX ; XXXX where reposted on to my credit report without notifying me first. The XXXX. XXXX. XXXX XXXX claims that it 's a different account. When in fact it 's not. They just have the different account number from the previous accounts that were deleted. Experian told me to provide proof in order to have these accounts deleted. I did send Experian proof in addition to an Affidavit Of Fact and Truth that I contacted the XXXX XXXX XXXX XXXX back on XX/XX/XXXX, by certified mail Tracking Number : XXXX and I told Experian that I had not received a reply from The XXXX XXXX. XXXX  XXXX. Please See attachment1. Experian still successfully validated those fraudulent unknown collection accounts on XX/XX/XXXX as my collection accounts, without providing me any evidence of an actual original instrument or contract signed by me according to Sect 609. Or accepting any of my evidence of default into consideration. Experian has deprived me of any rights that I have under federal law and remedies. I 've included the letter and sworn Affidavit Of Truth and Facts sent to Experian as an attachment below.

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 04/25/2017 about Debt collection (Credit card debt) with NETSPEND CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I lost  XXXX  of my  XXXX  form mail in this year. Right now, I received  XXXX  debit card fr om netspend.com, which is I never heard before. I called and asked them where do they get my info, they to ld me this from third party company and rejected to tell me which company. I told them to cancel this account right the way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I purchased a coat in XXXX 2014 on Ebay and used my Paypal account. The coat was NOT the real thing and I was told by the seller in XXXX XXXX to send it back using USPS and I would be refunded the money. The cost of the coat was {$400.00} I had it insured. The seller in XXXX XXXX claims she never received it. The USPS says it was delivered and gave me a delivery receipt. Filed a complaint with PayPal and they denied it because it was 45 days after the purchase. Now I do n't have the coat and I am obliged to pay the {$400.00} to PayPal with interest. I filed a complaint with XXXX. to no avail. 
This is fraud and PayPal should stand behind their paying customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Credit card) with URS Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with Citi Mortgage Financial. As of XX/XX/XXXX, I no longer receive Statements from them. I called and was directed to the Bankruptcy Division of Citi. My wife had filed Bankruptcy in XX/XX/XXXX or XX/XX/XXXX, we were and we still separated. Though not Legally. I was informed that due the Dodd-Franck Act, i no longer would receive statement from them regarding my Mortgage Payments. from my understanding My wife bankruptcy has been Discharged. I have never filed Bankruptcy. I was told by Citi, due to the Dodd-Franck Act, they no longer are allowed to send me Statements. I was informed My home was included in the Bankruptcy and it was ( Affirmed In the Bankruptcy ). They also Stated that if they send me Monthly Statements they could be sued by the Government. I was told that because of the Bankruptcy i could walk away from my Home with no Actions against me from Citi. My question, if this Bankruptcy has been Discharged why are they not sending me statements. This Happened with no advance notice from them. They knew this was taking place before hand. I want My Statements sent to me. What Legal rights do i ( THE CONSUMER ) have? I have a right, regardless of what took Place of almost ( 8 ) years ago. I feel that they are not being Forthcoming with what my true Rights are, besides Being able to walk away from my home, when I never filed bankruptcy and was never aware of the Actions that took place. They said I could Re Finance My home to get My wife name off the Mortgage. Michigan as I am aware does not have Legal separation and we are not Divorced. My conversation with there representatives, gave me the impression they were not aware of these Stated conditions. Do I have a Legal right to take Citi to court or make tham produce Written Proof why they took this Action. It is not Fair to me. I have aright to my Monthly Statements Regardless of this Government Act. It does not Protect The Consumer at all if the Mortgage Service-rs can do this to their Customers with out warning and no clear explanation. It is not right!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing XXXX incomplete, inaccurate, unreliable and missing information XXXX obsolete and outdated information that should no longer appear XXXX information that possibly reveal medical information XXXX incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' XXXX incorrect payment status XXXX more than XXXX delinquent date XXXX wrong notation for closed accounts XXXX failure to correct misrepresentation and accounts that have been remedied XXXX refused to investigate the disputes before continuing to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I check my credit regularly with XXXX XXXX. I noticed this past time a new address is added that is not mine by Experian. I couldnt find their address to directly contact them. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX. But there is an address of XXXX XXXX XXXX, XXXX, Virginia added that is not mine. It belongs to my ex-husband, who I divorced in 2015. Also, unfortunate, there were some things that was put in the divorce creed that he alone was responsible for and transitunion would not remove my name despite having court documents to do so. If you can help with that please let me know and I can send the document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company refuses to provide me verification and validation of debt. This debt is in dispute because i have never taken out any kind of a loan.

Company response to consumer: Closed with explanation