milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an XXXX and am getting help in XXXX Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm filling a complaint because I have an XXXX XXXX account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called XXXX XXXX and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by Experian has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.

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 non-monetary relief
Consumer complaint received 01-12-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Money was not available when promised

Complaint: I sent {$30.00}. to a friend in XXXX via western union on XXXX/XXXX/2015 from home using my XXXX. The charge was processed and I received a pop ip saying the transaction was being held for review. The funds are still held up and its been 12 days. I have e-mailed WU 3 times asking to either release or resend the funds back to me and they ignore my request. I have called them and still no satisfaction. My friend went to the WU office 3 times to collect the funds and was told they were being processed. After 30 days you cant get the funds back. I want my money put back into my bank account where they got it. I have sent money via WU many times and have a gold card with them and I have never received this kind of treatment. I was charged for money in minutes and do think I am due a refund of this charge. Transaction # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: The reason for my complaint is because I recently received a Notice of Default from my mortgage servicer, Ditech, even though I began the process of a workout well before being late on my mortgage payments. I believe this to be the illegal practice of " dual tracking ''. I am requesting that Ditech rescind the Notice of Default and finalize a workout which I initiated nearly 6 months ago. 

I submitted a completed Request for Mortgage Assistance ( RMA ) package in XXXX 2016 seeking assistance due to being unemployed. I made over 15 repeated requests for an Unemployment Forbearance offered by XXXX who owns my loan, as well as the Making Home Affordable ( MHA ) program. To date no workout has been offered by Ditech. During this prolonged and frustrating experience with Ditech it seems that misinformation, missteps, and confusion are the norm. My assigned point of contact, who I am rarely able to reach, has changed 4 times in only 2 months. 

It is my understanding that the primary goal of a loan workout is for a borrower to avoid a default. Yet after having done everything right, I just received this Notice of Default. I have been very proactive with many repeated phone calls and submitting all documents in a timely manner. Over half of the various Ditech representatives with whom I spoke stated that they were unaware of an Unemployment Forbearance workout. On multiple occasions I had to guide Ditech representatives to the Fannie Mae and Making Home Affordable websites where the Unemployment Forbearance workouts are clearly explained. After months of call backs and escalations, I finally received a packet from Ditech in XXXX 2016 stating that an Unemployment Forbearance was an available option. However, months later no further progress was ever made. 

I would be more than grateful for any help in compelling Ditech to rescind their Notice of Default and to finally offer a workout solution, as my repeated efforts with them over the last 6 months have been unsuccessful and entirely frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Paypal sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times

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 non-monetary relief
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,  XXXX  I received a letter from lender,   XXXX   XXXX   that the ownership of my loan was being transferred to   XXXX   XXXX  , but that they would continue to service my loan.   On  XXXX   XXXX ,  XXXX  I received a letter from  XXXX  that the service of my loan was being transferred from  Fifth Third Ba nk effective  XXXX ,  XXXX ,  XXXX . This letter did give me an address to send in payments, but no  Fifth Third Loan  number.   It is now  XXXX   XXXX ,  XXXX  and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the  XXXX  payment and it did not recognize the loan number I was given.   Today I will get in my car  and drive   XXXX  miles each way to try and make the loan payment in person all because  Fifth Third  did not do their job of servicing my loan in a timely fashion.   Clearly, I and other members of the  American p ublic have other ways to spend my time then to deal with failure of  Fifth Third  Bank to do what    XXXX   XXXX     pays them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with First National Collection Bureau, Inc. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was contacted via mail from First National Collection Bureau , Inc stating that I had XXXX collection accounts for XXXX credit cards that I never opened. I called the number listed on the letter that I received and proceeded to give my personal information ( name, address, social security number ). They attempted to tell me to that I would have to pay XXXX a month to resolve the debt of over XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the EXPERIAN on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

EXPERIAN has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date EXPERIAN has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, EXPERIAN continues to knowingly publish false information about me for others to view. 
I know Im just a little guy. What can I do to get this large company to follow the law?

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 12-09-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from BERKS CC. I had previously disputed this account. I have never done business with BERKS CC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BERKS CC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BERKS CC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Vehicle loan or lease (Loan) with AMERICA'S CAR-MART, INC. (KS).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: CAR-MART in XXXX XXXXXXXX Missouri accepted my XXXX XXXX XXXX in Perfect Condition and paid off, as a Trade in for a much older car model XXXX. Aftet spending the whole day thereI was worn down waiting for them to finalize their paperwork. I had my vehicle the XXXX XXXX XXXX appraised at 4 Dealerships and they offered me XXXX to XXXX XXXX dollars to buy it from me. I didnt think CAR-MART of XXXX Missouri would take that long approving this deal. After 6 hours I left to go home to take my medication. I have been on XXXX XXXX SINCE XXXX. When i returned to CAR-MART of XXXX XXXX Missouri I did not know what they did to the paperwork. I tried to get them to lower that price. CAR-MART informed me only {$3500.00} was used for my trade. Also I was told that a Extended Warranty HAD TO BE INCLUDED EVEN AFTER I DECLINED IT SEVERAL TIMES. I thought extended warranties were optional. After 8 hours I was tired and weak sighning papers for the deal. My first payment was paid days before it was due. My second payment was going to be a little late and CAR-MART was notified about it. The title and taxes were more than I anticipated. I went to our local library to contact CAR-MART via internet. During the internet session I was approached by CAR-MART employees telling me they are here to reposes the XXXX and demanded the keys. I asked for leniency and to please give me some time to come up with the money. I also told them I had XXXX TAG HANGING FROM THE MIRROR FOR PROOF I NEEDED THE VEHICLE TO GO TO MY DR APPOINTMENTS AND TO BUY FOOD. I just spent close to XXXX 2 days before getting the XXXX legal. They did not care and demanded the keys again. CAR-MART OF XXXX  XXXX MISSOURI LEFT OVER 10 PHONE MESSAGES IN A 3 DAY TIME SPAN. Only after a month and a half I lost my XXXX XXXX XXXX AND THE XXXX and was told, YOU WILL BE GETTING a bill from us! I asked if I could at least get my XXXX XXXX XXXX back. They laughed and said it was sold and i was not getting it back. They left me stranded at our local library. These are very mean people. I was put in a 3 day notice to XXXX after getting the XXXX legalized then 2 days after paying all that money I have no vehicle to attend my Doctor appointments and have to walk 2 miles to my closest food store. I am very upset with their business pratices praying on a XXXX Person with a XXXX XXXX XXXX son to raise after my wife XXXX in XXXX. 

Please someone look into this Very Bad situation. Thank you Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: No matter what is asked for them they still share and allow access to my credit report to whom ever pays them or in the case whom ever they pay a data minor that is not checking with the court because they court will not verify anything let alone a fed tax lien XXXX XXXX this tax was released Per the recorder of deeds BK XXXX so why is it that they fill the need to use the wrong information from the start

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 non-monetary relief
Consumer complaint received 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX and Power of Attorney for my sister-in-law who is XXXX years old and suffering from XXXX XXXX XXXX XXXX making it necessary to have me participate in her affairs. 
Effective XXXX XXXX, XXXX. The care service started acquiring her Social Security check before her mortgages could be paid. The bank holding her XXXX and XXXX mortgages is Bank of Albuquerque ( owned by Bank of Oklahoma ) was notified of the situation by me as POA and stayed in constant communication ( XXXX or XXXX phones calls fielded per week ). I found out from running a title binder, that there was also an IRS Lien so I had to submit POA to IRS and get that amount before pricing the house for sale in order to liquidate the mortgages. I informed both of the branches ( XXXX and XXXX mortgages are serviced by different branches of the same bank but communicate as separate entities ) when I finally got the IRS remaining lien amount, assign a price to the house and begin marketing. I received the lien amount from the IRS on XXXX XXXX, received a couple workable offers on the property XXXX XXXX and XXXX based on IRS update received on XXXX XXXX, 2016 ( good until XXXX XXXX, 2016 ). When I attempted to contact Bank of Albuquerque, they refused to discuss the mortgages anymore because at some point since the last statement dated XXXX XXXX, 2016, they had turned them over to their legal department ( a law firm that only takes messages ) and referred me to them. After leaving multiple messages with no return calls, I again contacted Bank of Oklahoma Loss Mitigation and customer service who told me " too bad '' you need to contact our foreclosure department even though they do not answer the phone and are hard to get hold of. Their advice was consistently the same, my only hope was to keep trying. Even though I have XXXX qualified offers for purchase they would not assist in contacting or discussing the foreclosure. My sister-in-law has not been served any foreclosure papers nor have I, even though I am on their ( Bank of Albuquerque and Oklahoma 's ) forwarding list and phone list, and yet they refuse to allow a sale that would pay off the debts. Instead, they will hold up any sale until the IRS lien can grow and they can tack on sufficient legal fees to force a foreclosure or short sale and the ruination of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft some one stole my identity to open two fraudulent XXXX XXXX XXXX credits cards XXXX XXXX XXXX XX/XX/XXXX Amount {$520.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$720.00}

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 non-monetary relief
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: asked for a detailed verification process on the bankruptcy dispute and was refused.

Company response to consumer: Closed with explanation