milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Checking or savings account (Other banking product or service) with WEBSTER BANK, NATIONAL ASSOCIATION (IN).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am an employee of XXXX XXXX University, which has contracted with XXXX XXXX ( a XXXX XXXX affiliate ) to administer its Health Savings Plans. At their direction I opened an XXXX account in late XXXX in order for XXXX XXXX to receive my payroll deduction and contribute its matching funds. That worked without incident until XXXX of XXXX, when my payroll deductions ( and employer matching funds ) began flowing into a new account which XXXX XXXX opened for me, without my knowledge. 

I did not discover this until checks I bounced checks for which there should have been sufficient funds. After several calls and email efforts, I was unable to resolve this with XXXX XXXX, so I contacted my employer. After several requests for assistance, they finally explained that this was a common problem with XXXX XXXX, and had affected many employees in XXXX. At that point, in informed my employer of the potential fraud associated with creating second accounts ( XXXX XXXX was the example ) and that I felt it was both her and my duty to report this to the CFPB ). My university representative secured a promise from XXXX XXXX to contact me within two working days. It is now the end of the third working day and I am reporting their actions to the CFPB. 

I have yet to have any success speaking with a representative of XXXX XXXXk. I am a sophisticated user of financial services, currently have accounts with at least three financial institutions and hold a XXXX. in an XXXX discipline. If I can not resolve this, who can?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: I have been having multiple uses with Nissan/Infiniti Finance. They have reported multiple late 's on my credit report that were no accurate. They have removed XXXX of the incorrect items, but as of today they have falsely reported me again. I have reached out to their team once again, but each time they do this I have to spend weeks trying to correct. 

On XXXX XXXX 2015, I made a full payment and their bill matrix billing system did not give me full credit for my payment and again they marked me late. This is separate incident from the previously mentioned false reports, but nonetheless is another issue I have had to deal with. 

Their customer service team is extremely poor mannered and have absolutely no intention of every resolving any issue. I have had a Supervisor as me to provide evidence of payments made, after providing them with their requested information they still did n't fix the issue. 

In my opinion this is the worst leasing company I have every dealt with and I will never lease another product from XXXX or XXXX, period.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At issue is whether or not it is legally permissible for Peoples Unit ed Bank of Connecticut ( " People 's Bank '' ) to act without our permission or authorization to take money from our account because Peoples Bank assumed the funds belonged to the Social Security branch of the Federal Government. Also at issue is Peoples Bank failure to provide us with the Governments written instruction, as we h ave requested.      People 's Bank wi thdrew {$1500.00} from our account ( owned by  XXXX   XXXX  and  XXXX   XXXX   ) o n  XXXX   XXXX ,  2017  to satisfy a debt owed by  XXXX   XXXX   (  NOT a debt owed by  XXXX   XXXX  OR  XXXX   XXXX , the account holders from which the money was withdrawn ).  People 's Bank claims they had the authority to withdraw the money " because the government aske d them to do so. ''  XXXX   XXXX  and  XXXX   XXXX  are NOT a party to the debt claimed to be owed to the  Social Security Administration. We ha ve requested tha t People 's B an k provide us with the Government 's written instruction to withdr aw these funds - and they have ignored our request.     We have also demanded th at People 's B ank return our money - {$1500.00} - but they have ignored our request.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a unaffordable loan mod in XXXX 2015, I appealed to get an affordable payment and they denied me 3 times. I have an agent that listed my property after the last denial XXXX 2015. the property was listed XXXX 2015. It took a while to get a buyer and we have one and now. SLS is dual tracking and they want to foreclose on me? They have had my file for 4 years and it took them 4 years to approve a loan mod, that I ca n't afford. They have four years of up to date financials, four years worth!! so since they ca n't give me an affordable modification I have no option but to sale the property. XXXX is n't letting me short sale and I do n't know why. my agent listed the property shortly after the refused to give me an affordable loan mod. listing date XXXX 2015 and we got an offer to stick on XXXX XXXX 2015 and sent it over immediately along with a complete pkg. SLS confirmed they have a complete pkg to review but are still trying to foreclose. I am not understanding their behavior. it took SLS 4 years to review my file for a loan mod This is outrageous behavior and would like to sell my home please. I dont want to go to foreclosure because the bank messed up.please help me from foreclosure via XXXX and no dual tracking so I can sale my property before foreclosure. We have a valid offer in and under review. XXXX different people at XXXX has confirmed my short sale file is complete and under review. XXXX, XXXX and XXXX. They have set a sale date for XX/XX/2015 we need ample time for the escrow to close. this is disturbing. Please help me so I do n't have to go through foreclosure. I may need an extension but we are doing everything possible tyo close by XX/XX/XXXX. all corresponding documents that were sent to them are attached. 

Thank you very much and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to Experian and XXXX each month. 

I also sent a letter to XXXX and Experian notifying them that the information is inaccurate and requested that it be 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 09-11-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (FL).
Issue: Managing the loan or lease

Complaint: ( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. 
( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. 
( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. 
( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Xapo, Inc. (CA).
Issue: Fraud or scam

Complaint: purchased bitcoin using this merchant XAPO, received email after a week hold that bitcoin is available in the account. Afterwards tried to login to access funds and my account is blocked. XAPO verified my balance is in the wallet but wants me to send bitcoin so they can adjust the account and take all my bitcoin. Also lied and gave me misleading information that I owe them money and won't provide requested information.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (GA).
Issue: Struggling to pay your loan

Complaint: I became unemployed in  XXXX  and there is credit insurance on my account. The company is hounding me for the past payments despite this. I 'm willing to continue paying, but need them to work with me. I am now in a position at reduced pay. They have violated the FCRA by identifying the debt to third parties and making threats.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My lender refuses to work with me. 

Initially Select Portfolio Services made me an offer for loan modification but once I received the offer, my wife had an accident and injured herself. 
My wife fell at home and XXXX. She is XXXX now and unable to work. We have lost her income and fear her XXXX will be permanent at her age. 
We are simply asking SPS send us a new application for modification due to the fact we have experienced this new, unexpected change in circumstance. Also, the reduction off our household income is greater than 30 %. SPS ignores our requests for help and refuse to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted the Credit Agencies telling them that the late reporting for from XXXX XXXX to XXXX XXXX is inaccurate due to the fact that I was never late. Their response was that XXXX XXXX XXXX verified the information as accurate. I contacted XXXX XXXX XXXX several times to dispute the late reportings. I also asked them to provide me with proof that I was late during the stated dates. I have not received anything from XXXX and I have been disputing since XXXX XXXX. I am asking your help to rectify this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with The CMI Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Good Afternoon, My name is   XXXX   XXXX   I have been working on my credit for the pass few months. I notice a new change on my credit report from Credit Management, LP   XXXX   XXXX   XXXX    XXXX , TX  XXXX . I have never received a letters from them indicating where and how I owe them or when did I start services with them. I have disputed this with the Complaint ID # :  XXXX  Business Name : Credit Management, LP on   XXXX   XXXX   as well. I had a Fraud Alert on my credit since 2008 I want this company to resolve this matter as soon as possible if they provide proof that I owe them with a valid contract this is effecting my credit report.
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
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: XXXX AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX   ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXX account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXX account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXX of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXX account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!

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 08-02-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Due to a weather events our house sustained damages in the neighborhood of {$57000.00}. Because it was XXXX in damages the mortgage company restricted my loss drafts. The last draft was due to the contractor and myself to recover the depreciation values and the supplemental repairs. The mortgage company refuses to release the last payments and claim that they need more documentation both our contractor and ourselves have provided that documentation 6 times already via fax, email and regular mail. When we call for an update on your checks they ask for the same documentation that has already been sent to them 6 times. They also make you wait 3 days for an update and when you call back, again the ask for stuff that was already provided to them. There is no consistency with your case manager, you always get a different person and it is always the same excuses. The company is Penny Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX I do n't want to get any more collection notices/legal actions on me from any of these creditors.As, it was no fault of mine. 
CITI BANK ( 3 Credit Cards )

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