milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Fraud or scam

Complaint: Your recipient should have the money by XXXX XXXX, 2015. 


Paid withPayPal CreditMake a PayPal Credit paymentShip toXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXUnited StatesTransaction XXXX Seller infoXXXX XXXXXXXXXXXX XXXX Amount {$780.00} Fee {$0.00} Total {$780.00} See details on classic site

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit reporting bureau inaccurate information on consumer credit file..

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

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 08/22/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo holds the servicing rights to our mortgage, but is failing to fulfill the government 's requirements when it comes to properly servicing our loan. My husband and I have had an extremely difficult time obtaining fair and equitable assistance as Wells Fargo has completely turned their backs on us. They once offered us a loan modification, but the payment was unaffordable and we are uncertain how they came up with the offer. There was no way they derived the modification from any numbers we provided and, since that time, our efforts to engage their Loss Mitigation Department has been a futile exercise. Their representatives are nice, but it appears as though they are just going through the motions to get through their day and really do n't care if we lose our home to foreclosure. My husband and I built our home in XXXX and put over {$600000.00} of our own money towards the construction and financed another {$600000.00}. Everything was going along fine until my husband 's business had a warehouse fire at the worst time in the economy and his income never recovered. At about the same time, my work started to slow down due the downturn of the economy ; ultimately resulting in me losing my job. We burned through our savings to keep up with the mortgage payments while we struggled to get back on our feet financially. At this time Wells Fargo made their offer, but it was impossible to make the trial plan payments. Also, I have been unemployed for awhile, but our loan has never had a review for the Unemployment Program that the Obama Administration put into effect in XXXX of XXXX. Wells Fargo dropped the ball on the modification offer, on the Unemployment Program review and thus, we believe we will lose our home to foreclosure. If we were able to get into tUnemployment Forbearance Program, it would buy us time to negotiate a better settlement with our loan as our future income picture looks a lot brighter. Currently, we have sufficient income to afford a reasonable modified mortgage payment and Wells Fargo should open a review for assistance based on our current situation ; my unemployment. We are certain this matter can be resolved if Wells Fargo took a look at our situation and follow the guidelines set by our government.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I and others are compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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 filed a complaint, ID FOR COMPLAINT SENT TO EQUIFAX # XXXX, pertaining to the Equifax debacle that cost 148 million people their personal information security. However, that complaint is not enough ; due to the fact that Equifax effectively sold ( for free ) my lifes most critical personal information to individuals and companies all over the world, and for a limitless time, I demand substantial compensation as a result of Equifax costing me a lifetime of insecurity and nameless misuse of my personal information. My life may not be worth anything to Equifax, but it is worth plenty to me! The ramifications, implications, and damages that the compromise of my personal information has cost me should cost Equifax as well. It has been quoted by news sources ( XXXX ) that key Equifax employees liquidated their stock in Equifax two days before the hack on Equifax. They profited from not updating the software that would have prevented this from happening. This is a criminal attack, identity XXXX, and the giving away for free my lifes history and most personal information. Unacceptable and Equifax is culpable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Struggling to pay mortgage

Complaint: I contacted Wells Fargo to request loan modification as I lost my job XXXX XXXX and was out of work until XX/XX/XXXX. I was late submitting XX/XX/XXXX's payment and contacted WellsFargo to assist in this matter. I was awaiting my first check from my employer and I requested a withdrawal from my retirement account to cover the mortgage. When I received these monies, I made XX/XX/XXXXand XX/XX/XXXX payments. It posted, but I received a notice from WellFargo regarding my account being delinquent. In the meantime, I completed a loan modification application with the attached requested documentation. XXXX XXXX ( first loan specialist ) denied receipt of the documents. My case was reassigned to XXXX XXXX, loan specialist. I have explained the circumstances that led to my need for assistance. In XX/XX/XXXX I was out of work for six months. I resumed work XX/XX/XXXX. My income changed dramatically as I went from making XXXX XXXX to XXXX XXXX. The mortgage is {$370000.00} and the monthly payments are {$2200.00}. With the decreased income I can not make the mortgage. When documents are submitted, they are either not received or additional requests are made by the specialist ( s ). This matter is sensitive to me and I do not believe it is being taken seriously. For example, yesterday I spoke with loan specialist XXXX XXXX and while on the phone she reviewed my submitted documents and advised me of what I needed to clarify : " Good afternoon XXXX, I completed reviewing your documents and these are the corrections that we discussed. Please provide the following : Signature page of XX/XX/XXXX tax returns Please date the letter regarding not receiving a payment for rent Please sign a statement regarding the employment that you provided Additionally, I will need your XX/XX/XXXX & XX/XX/XXXX check stubs ( not previously requested ) Please complete a real property schedule to include your rental property and your residential property ( not previously requested ) Please enter the amount of the total rent on your rental agreement to equal the payment from the renter and section 8 Correction to page 3 of mortgage assistance application. Please answer all questions. Section 8 approval letter ( not previously requested ) ''. While I understand that there may be a need for additional documentation, I do n't expect that the same documents are requested repeatedly. I am concerned that my credit rating will be damaged and I may be forced to foreclose.

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 10/23/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (MI).
Issue: Struggling to pay mortgage

Complaint: I am currently XXXX days past due with Selene Finance. I fell behind because my XXXX  went on XXXX XXXX XXXX. XXXX XXXX sent a Notice of XXXX XXXX XXXX. At this time I was XXXX days late. They said I had to bring the account current or they would proceed to foreclose and gave me until XXXX/XXXX/XXXX to make the past due payments plus any late fees accrued. 

I reached out to them immediately and asked for a XXXX month repayment plan for the amount that is past due. Selene said I had to submit an application that had to be reviewed by underwriting. I did this and Selene acknowledged they received the completed required paperwork on XXXX. They claim underwriting is still reviewing the application and have not offered a repayment plan. They will not acknowledge the CFPB rules and said that even though my application is under review, it still could be referred to their foreclosure department. If this happens, they will add additional fees to the amount owed. 

I am not even XXXX days late and I want to bring the account current. I want to clarify that Selene Finance must follow the CFPB rules in Michigan and not proceed with any foreclosure filing prior to XXXX days and while the account is under review for repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (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 been trying to get this resolved for some time now. I did file a previous compliant and what AMEX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to Amex please see the attached email from AMERICAN EXPRESS. It was paid to them XX/XX/XXXX 2nd If  the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (SC).
Issue: Other

Complaint: First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. 
Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. 
I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. 
I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: First I an very thankful to Consumer Financial Bureau for been there when I needed desperate help with my mortgage Carrier. after much harassment through WELL 'S FARGO AND WITH YOUR HELP. I 'm FINALLY GOT TO THE TRUTH. 
On XXXX XXXX and a very professional conference call I received some shocking information and the document to back up all of such information. I will be forwarding such documents to you. 
on XXXX XXXX of XXXX I sat for the closing and purchasing of my home XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX.A COPYOF MY MOTGAGE CONTRACT IS NOW SENT WITH THE MORTGAGE AGREEMENT OF 10.25 % INTEREST AND MY MONTHLY PAYMENT OS {$680.00}. XXXX. IN MY 10 YEARS OF OWNERSHIP I HAVE NEVER PAID {$680.00}. XXXX I PAID {$900.00}. IN XXXX OR XXXX I RECEIVED A MODIFICATION AND MY MORTGAGE WAS NOW UNTIL XXXX XXXX {$810.00} WITH 8.25 % INTEREST. AS OF XXXX XXXX I WAS ADJUST TO {$810.00} AND 8 % .INTEREST. 
A COPY OF THIS DOCUMENT IS ENCLOSED. IMAGINE HOW SHOCK I WAS WHEN I OPEN THE MAIL AND THIS DOCUMENT FLIPPED OUT. XXXX YEARS AND XXXX MONTHS I HAVE NEVER HAD A MORTGAGE PAYMENT OF {$680.00} XXXX.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Marlette Funding, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BEST EGG/SST. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that BEST EGG/SST have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I XXXX being a XXXX woman trying to better the lives of my family by attending school to become a XXXX, carrying XXXX full time jobs while I obtain that education, find the credit reporting actions of Federal Loan Servicing to be discriminatory to my race. I am not borowing any further student loans as I work XXXX full time jobs, but I do have a great deal of student loan debts that I will start paying on as soon as I complete my XXXX in XX/XX/2017. All of my student loans to date have been deferred of payments. So how can this agency report my payment history as 90-days late from the beginning. I have attached copies of how these accounts are reported with the credit bureaus. I never had to make payments while the loans were in deferment. I can not obtain credit due to the abusive reporting practices of this agency on my personal credit reports. I demand that since no payment history was ever legally established, that all payments histories be purged from each and every account posted on credit. This abusive reporting action must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification of the debt multiple times, sending certified letters to this company with no response. They continue to report this debt to the credit agencies without providing documentation that this is a valid debt. It has now been past 30 days since the request for documentation proving my financial responsibility and they still have not provided the information requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Money was not available when promised

Complaint: I made a sale through Ebay, the customer paid via Paypal and I did not receive said payment for over 36 hours. I had to go ahead and ship the item due to Ebay 's policies so I could keep my high ranking. I was not notified by Paypal of any issues and had to aggressively pursue contacting them where I received less than adequate support and NO follow up. This was not an isolated incident, many accounts were affected, some had bank accounts hit a negative balance because of this. Paypal did not compensate us in any way ( a waiving of fees for the transaction, like Ebay has done in the past would be a step in the right direction ) nor have they apologized. A big company should not be allowed to hold people 's money hostage with no recourse available. Very unhappy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company will not provide or respond to validation of debt. The SCRA states that a landlord may not evict a current servicemember from premises that serve as, or are intended to serve as, a servicemembers primary residence during a period of military service, without a court order, assuming that the monthly rent for those premises does not exceed a certain amount. See 50 U.S.C. 3951.

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