milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have an unauthorized hard inquiry from XXXX XXXX on my Experian credit report datedXX/XX/XXXX that does not belong to me. I have attempted to resolve this matter with Experian diretly via phone and even via CFPB but am told continuously told to contact the creditor. This complaint is to make you aware that I have already attempted to resolve this matter with them, as per your instructions and have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report. A return receipt is provided in this complaint which shows it was received by XXXX XXXX on XX/XX/XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution form both parties and yet I continue to have an adverse record on my report that does not belong.

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 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Investment Retrievers, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice that I owe {$510.00} on a XXXX which I do not. I have disputed with nothing being received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Trying to link XXXX to my Capital One card account for monitoring charges.  Capital One doesn't allow external applications to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this 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 10-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE SENT LETTERS CERTIFIED LETTERS WITH RESPONSE A BACK FROM THEM. THE ISSUES AT HAND I HAVE SEEN AND DISPUTED THEY HAVE REFUSED TO REMOVE THE ACCOUNT AS IT IS NOT REPORTING ACCURATELY. DATE OPENED XX/XX/XXXX AND DATE FIRST REPORTED IS XX/XX/XXXX HOW IS THIS EVEN POSSIBLE TO HAVE A LOAN THAT LONG AND THEY REPORT ALMOST 4 YEARS LATER AFTER THE DATE THE ACCOUNT WAS OPENED? THE TERMS AS WELL ARE REPORTING INACCURATELY AT 80 MONTHS NEVER SIGNED A CONTRACT FOR 80 MONTHS ON A LOAN BEFORE. THEN TO REPORT A RECENT PAYMENT OF {$500.00} IS INACCURATE REPORTING ON SANTANDERS BEHALF. SANTANDER CONSUMER USA FOLLOWS THERE OWN RULES AND DO NOT ABIDE BY ( FDCPA ) NOR THE ( FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to 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 02-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I noticed XXXX hard pulls on my credit, I first sent letters to each creditor that had pulled my credit and NONE were able to provide justification for the inquiries. I then disputed with TransUnion via letter on XX/XX/XXXX, I received a notice that the investigation had begun on XX/XX/XXXX. After failing to receive evidence of the validity of the pulls, I sent a letter via certified mail on XXXX requesting that the pulls be removed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). TransUnion responded stating that the investigation was started ( the same generic form letter I received on XX/XX/XXXX. I then filed a complaint with CFPB on XX/XX/XXXX. TransUnion responded with the same generic response and told me to contact the creditors directly ( I ALREADY DID!! ) PLEASE enforce the Fair Credit Reporting Act and force TransUnion to remove these unauthorized inquiries. I am also filing a complaint with the FTC.

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 04/15/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage started since XX/XX/XXXX and I have always paid for all Property taxes and Insurance Directly ( No Escrow Account ). Now, in XX/XX/XXXX, I paid for the majority of the Property Taxes, but after I paid then the Mortgage Company ( Ditech Financial LLC ) paid again creating Tax Over Payments. Now Ditech Financial wants me to pay them escrow for {$10000.00} and I only owe taxes for {$2000.00}. I have requested the County Tax Offices to reimburse the tax overpayments, but it takes almost 60 days for them to reimburse. Ditech was informed of this time requirement, but Ditech has placed my account as past due, have charged late fees as well as reporting credit non-compliance to credit bureaus. I have continued paying my regular payment ever since the mortgage started on time, but Ditech has placed these funds as " Funds in Suspense '' without considering them as payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My student loan servicer Navient has for the last two years made signing up for a repayment plan that fits my budget extraordinarily difficult. Last year it was failing to process my IBR renewal in time and letting my plan default to the 10 year schedule. This year it is attempting to defraud me of more money by failing to accurately verify my household income. And this is on top of the already usurious interest rate I am charged by the federal government. 

The fact that this life destroying evil is allowed to fester and get worse is a testament to how corrupt this country has become. This once proud American is now ashamed to call himself one.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my name is XXXX XXXX and my property was foreclosed on XXXX/XXXX/2016 by SPS " Select Portfolio Services '' located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was currently working with the lender to obtain a loan modification, I am confident I qualify for a government program that would have saved my home but the lender refused to work with me, I do believe i was the victim of a wrongful foreclosure as i feel this was a predatory loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MN).
Issue: Managing the loan or lease

Complaint: I leased a car from GM financial about 6 months ago. I bought insurance on my phone through XXXX and thought I had full coverage. last week there was a vehicle that hit our parked car in front of my house and ran off. XXXX said I do not have full coverage. how did this happen? are n't you legally obligated to have full coverage on the lease? Why did GM financial not do anything about this? Why did XXXX not alert me that I was under covered? Who is at fault? Am I responsible for the {$10000.00} worth of damage from the hit and run? Does GM Financial have an insurance to cover this situation? Does Gap insurance cover this?

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been trying to get my loan modified with Wells Fargo since XX/XX/XXXX. I keep getting denials with no explanations or reasons to substantiate the denial decision. I keep resubmitting my information to be considered for the reentry process, to no avail. It seems as if Wells Fargo is trying to force me into foreclosure verses trying to assist me in keeping my home. When they review my payment history, they applaud how I 've been able to make timely payments and extra principal payments as a widow. 
I 'm not able to attach any documents. I 've never received a denial letter. When I called to get an update, they would tell me that my request was denied.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of this dept

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 08/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer fee

Complaint: There were two balance transfer transactions on my account on  XXXX / XXXX /  XXXX   that I did not request. The amounts are {$4200.00}, and {$1000.00}. There balance transfer fee is {$150.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently requested copies of my credit report in  XXXX   XXXX  to review for accuracy. I noticed a negative reporting account fro m Portfolio Recovery and immediately sent a request via certified mail to request validation of this debt. Portfolio Recovery was in  receipt of this letter on  XX/XX/XXXX . I also disputed this information with the credit bureaus who stated th at Portfolio Recovery valida ted the request they sent. I received a letter dated  XX/XX/XXXX  fro m Portfolio Recovery statin g that I allegedly owed {$360.00}. There are several issues with this negative account being listed on my report and a lot of the information makes no sense and I am hereby requesting immediately deletion of this account for the following reason.  <P/>  1.  This company is reporting and has validated with the credit bureaus an amount that contradicts the paperwork they have sent me. My credit report has an alleged debt listed in the amount of {$360.00}, however they have sent me a letter, on th eir OWN letterhead that states an alleged amount of {$360.00}. This is a direct violation of the FDCPA 808 ( 1 ) Unfair Practices that states " ( 1 ) The c ollection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.  <P/>  2. Per my hard copy credit report, Portfolio Recovery claims th ey verified data that does n't even make any sense. They have reported to  XXXX  that the account was open on  XX/XX/XXXX , however also reported the " date of  XXXX  delinquency '' is  XXXX  and also the " date of major delinquency  XXXX  reported ''  XXXX . How can you report the account was opened in  XXXX  but state the date of  XXXX  delinquency is  XXXX ? This makes absolutely no sense.  <P/>  XXXX . I have never entered into a contract or agreement and have never done business with  Portfolio Recovery.   <P/>  4. This alleged debt does not belong to me and Portfolio Recovery h as failed to provide accurate information or validation of this alleged debt.  <P/>  5. Portfolio  is unable to provide me with an agreement between them and the original creditor they have listed.  <P/>  Portfolio Recovery  has been known to display deceptive tactics in order to collect monies from consumers and has been fined previously by  the Consumer Protection Finance Bureau ( a s recent as (  XXXX  ) and this a perfect example of this tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said that one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 01/21/2016 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a personal loan from XXXX XXXX when I was in my XXXX program back XX/XX/XXXX. this was not a school loan because it was used for incidentals, like food and rent to tide me over until I got a job, after I had received my student loan and my classes were already paid for. Well I filed bankruptcy and added this loan XX/XX/XXXX. The debtor kept calling me and sallie mae changed to navient and then navient sent the loan to collection agency XXXX XXXX XXXX. Well at first I thought that it was a federal school loan because they insisted that it was. but when I consolidated my loans they stated that this was not a federal student loan so it could not be consolidated. They had been harassing me every day and I stopped paying because I contacted my legal services and they said that these privatized loans are not student loans but some unscrupulous lenders try and collect after bankruptcy. I gave them the chapter XXXX bankruptcy and discharge papers ; yet they are still harassing me.

Company response to consumer: Closed with explanation