milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND MY ADDRESS PRIOR WAS XXXX XXXX XXXX, XXXX, XXXX, XXXX. I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED XXXX, TRANSUNION & XXXX AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO XXXX XXXX, TRANSUNION XXXXTHREE TIMES ALREADY. I UPLOADED REPORT TO XXXX AT XXXX. I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: does not belong to me please remove medical XXXX account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Other

Complaint: Chase is illegally re-aging a paid and settled charge off. I have received a XXXX and paid this debt in settlement. The debt is outdated and should have been removed from my credit bureau but it appears on my credit bureau as it has been illegally re-aged. 
They have also added the account more than once on my credit bureau 's stating it is unpaid and it has a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2016 about Credit reporting () with Carter-Young, Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. This company purchased a debt that no longer exists. There are two accounts, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with eMoneyUSA Holdings, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACCOUNT E MONEY USA APPEARS ON MY CREDIT REPORTING. I NEED THIS DELETED ON BOTH XXXX  AND XXXX. I NEVER HAD AN ACCOUNT WITH THEM. LOOKS LIKE IT IS OPENNED SINCE 2015 AND STILL SHOWING. I ASKED THEM TO VALIDATE THE DEBT THAT DOES NOT BELONG TO ME. IF NOT TO DELETE IT FROM BOTH REPORTS. I DO NOT KNOW WHAT TO DO ANYMORE. IT HAS BEEN IN DISPUTE FOR A LONG TIME. PLEASE HELP ME, YOU HAVE HELP ME TWO TIMES BEFORE AND I THANK YOU. COMPANYT IS EMONEY USA ADD-XXXX XXXX XXXX XXXX # XXXX, XXXX, KS XXXX TEL # XXXX. 
I HOPE THIS CAN BE DELETED AND ALL DONE. HELP ME ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am utterly furious with Wells Fargo, and the way they have miss managed my account. I currently have a sale date for XXXX XXXX, XXXX, and they wont post pone it! My case is still under review for a Clarity Commitment which was granted in XXXX. The problem is during that time I was in the middle of review and every time I called to get updates ; representatives never mentioned it. It was a few months ago when I found the letter of acceptance in my files and demanded Wells Fargo to acknowledge it. This is the reason Wells Fargo has been sued previously and the reason why I am extremely upset. This is under investigation and they continue to prolonged the process. The escalation department is the XXXX reviewing my file and stating they do n't have access to post pone the sale date. I 've been advised to re-apply, but the re entry team wont accept the complete application that was received last week. They are declaring since I have fallen behind by almost three years Wells Fargo has a right not to review my file! I 've spoken to my lender and they 've have no restrictions. I do n't understand the reason Wells Fargo continues to put XXXX XXXX blocks and fail to take into consideration my home was part of the lawsuit claim back in XXXX. I 've written a letter explaining this frustrating situation.

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 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was transferred to Ocwen XX/XX/XXXX. I did n't realize until later that my mortgage was a ARM, nor do I remember agreeing to an ARM. I would never have agreed to this, knowing how the lender can adjust my rate whenever they felt like it. I applied and was approved for the HAMP ( Home Affordable Modification Program ) XX/XX/XXXX. XX/XX/XXXX I was informed that I no longer qualified and my mortgage would be adjust from a 1 % to a 4 % interest rate beginning XXXX XXXX, XXXX. Since then my mortgage has been adjusting every XXXX months. Then on XXXX XXXX, XXXX my mortgage adjusted from {$1200.00} to {$1300.00}, in XXXX months time. I have tried to apply to reenter into the HAMP again or have my mortgage set at a Fixed-Rate, but was denied and I was not given an explanation as why I no longer qualified. I 've never been late and I have always paid the full amount owed. I received a letter that my mortgage will again adjust to a 5.5 % rate, which will make my monthly payments {$14000.00} +. I ca n't afford these payments and have requested assistance to no avail. I would like someone to assist me in getting through to Ocwen with helping me to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I became aware of this collection account while reviewing my credit reports. I have written to Capio Partners LLC to validate these collection accounts as well as their authority to collect on said debt. and have received nothing. I believe my HIPPA rights have been violated as I have never given ANY entity permission to share my personal medical information with a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX XXXX, XXXX To : Consumer Protection Agency From : XXXX XXXX XXXX XXXX : Navient formerly known as XXXX XXXX Account Number : XXXX My son, XXXX XXXX died on XXXX XXXX, XXXX. I was co-signer on his loans ( see attached - dated XXXX/XXXX/XXXX ). I sent the company paper work in which they had made a statement regarding the conditions under which the loans would be forgiven, XXXX of which was death ( see attached file-Navientfinal ). 
The company is now refusing to forgive the loans. 
In addition to dealing with the grief associated with the tragic death of my son, I have been repeatedly harassed by this company. Several weeks after my son died I sent them the death certificate and requested forgiveness of the loans. Instead of honoring their agreement they began to call me up to 13 times within 3 to 4 days and pressured me into making a payment. 
When I found the original letter ( see attached ) they sent to me regarding forgiving the loans they refused to do so. 
I would like relief in the form of having these loans forgiven, my account cleared, and to be left alone by this company. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: American express serve allowed an unauthorized charge on my account and refused to released the funds once merchant confirmed it was not them of XXXX XXXX force me agaisnt my will to sign a settlement agreement than allowed unauthorized charges pending on my account i extend to sue of this intentional tort and american express serve refusing to follow bank protrocal

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am filing a complaint on Bank of America cause I have had an ongoing dispute on some fraud charges done to my corporate card for XXXX XXXX XXXX. They have denied my fraud claim on grounds that are not valid. They have requested me to explain to them details of the claim that I have no recollection on because of the length of the charges I have explained to them on several occasions that I do not recall and they continue to insist on my giving them dates that I do not recall events on. After going through responses on the paperwork they have sent in response to several complaints filed I have filed a police report with the XXXX XXXX sherrif. I did request a card and activated the card before changing my number XXXX to XXXX and the charges started days later on the account. They claim I made phone calls verifying charges XX/XX/XXXX and XX/XX/XXXX but that was not me. They claim that my Drivers license was provided and I did not have any type of communication with them during those dates. I am providing them with a copy of the police report and requesting my right with the fair and accurate credit transactions act to reconsider my claim. They have removed monies from my checking accounts with them to pay for charges that are fraudulent and this is not something that I will be letting go even if it needs to go in front of a judge in civil court.

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 09/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I purchased a vehicle and the dealership pulled from XXXX other finance companies. The credit inquiries were being counted as individual ( XXXX ) vs as only XXXX for car shopping. This occurred within a 12 day period. I disputed the information as the inquiries show individually causing an unfavorable credit report. Experian has done nothing to correct this matter despite my disputes. I also attached a few letters from creditors that sent requests to remove inquiries from my report to Experian and only XXXX has been removed.

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 04-02-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Charge a {$5.00} fee for an account set up by the bank to save money. Account was not at a XXXX dollar amount.

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 05-06-2017 about Checking or savings account (Checking account) with COMMERCE BANK (MO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 been dealing with XXXX and XXXX since XX/XX/2017 in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/2017 with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the XXXX   and XXXX Bankruptcy court on XX/XX/17 asking if XXXX  and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/17 I received a letter back from the XXXX Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost or had stolen my personal financial information. I am still not sure to what degree but at least my social security number. Equifax should be shut down. They get access to all our financial data, that can make or break someone 's life, with the only stipulation being that they keep it secure. They are allowed to profit off of this information and make us pay if we want to access it more than a few times a year, but then they ca n't even keep it secure. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have been using PayPal personally for 20 years and have a business PayPal account for over 10 years. I have processed over {>= $1,000,000} through PayPal through my business account via credit cards, paypal payments, etc. Recently PayPal is being unreasonable and unfair in their requests for recent transactions and in turn have held up my funds for over 2 weeks. This is impeding my business and causing issues. At one point, I had to refund over {$100000.00} in payments to customers and inform them to provide payment using a different method, per PayPal instructions, stating that they believe PayPal is not the choice for processing these transactions. The transactions in questions are for high end computer equipment, as my business is a XXXX XXXX. When refunding all these transaction, I lost over 20 % of my business, as customers were irate and decided to cancel their orders. After the refunds, per their instructions, PayPal is still holding funds, requesting more unreasonable and unfair information and still holding funds. Each time I submit the information they request, they don't review for at least 48 hours and then kick back more information. Everything they request is always given to them and they continue to be nit picky and continue to avoid my requests for release. Again, they are being unfair and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing ONLY allows for payment via a bank account and insists on me providing them with my bank account and routing number. I have the full ability to pay back my loan and would like to pay, but DO NOT want to give out my bank account and routing number because I feel that is not a secure method of payment. I would feel safer paying online with my debit card as I am able to do with all of my other bills, but that is not an option with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a collection notice from XXXX ( original creditor Synchrony Bank ). According to XXXX consumer access, this agency is not licensed to collect debt in the state of MA, where I reside.

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 04-05-2016 about Debt collection (I do not know) with ALTERNATIVE DISPUTE RESOLUTIONS (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The company called me and stated they were a mediation group attempting to collect a debt. They stated that if I did not pay now I would face charges and be sent to court. The number of the company is XXXX. They state the name of the company is Alternative Dispute Resolutions but I can not find any info on the company. I have called them back numerous times and they will not release any information on the company ie : address, website, professional license number.

Company response to consumer: Untimely response
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Every time I checked my credit report, it stated " delinquency payment ''. 
As far as I know, It disappears that records after XXXX years which already passed for XXXX year. 
I am requesting to investigate this matter to improve my credit score. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AAS Debt Recovery Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me. 
i received a letter from XXXX saying i owe them XXXX! 
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: The credit reporting company Equifax will not allow me to place a temporary lift on my credit report freeze. 
The company 's website says it can not process the request ( " We are currently unable to service your request. Please try again later. " ). 
I have tried multiple times. 
The live person customer service phone line says all operators are busy then disconnects the phone call. I have tried this avenue multiple times.

Company response to consumer: Closed with explanation