milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 've submitted disputes with the  XXXX  national credit reporting agencies ( Experian,   XXXX   and  XXXX   )  concerning (  XXXX   )   XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ) , I 'm notified by my own ( not the credit bureau  ( s  ) credit monitoring alerts, a general " Meet FCRA requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and  credit score t remendously by making appear more at risk to lenders.

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 02/24/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery is attempting to collect a loan I had with XXXX. They are now reporting that collection as a loan through Portfolio Recovery. I now have a new missed loan payment reported because I have n't paid anything to Portfolio. I do not have a loan with Portfolio. I had a loan with XXXX which Portfolio is attempting to recover. Portfolio Recovery is a collections not a loan

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX loan

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 06/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previously filed a complaint against this comapny wit the consumer financial protection bureau. The complaint number assigned was XXXX. After the company sent a response, you closed this complaint. However since their response is missing information I need to file a new complaint. Portfolio recovery attached copies of credit card statements that have two addresses that I never lived at. The first address they have for me is XXXX XXXX XXXX, XXXX XXXX. XXXX, FL XXXX. The other statement shows this address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX. None of these addresses are mine, and this is the reason why I previosuly requested from Portofolio to get me a copy of the signed credit application. And instead they sent me statements. Statements ca n't help me get to the bottom of this and this is why I demand that Portfolio Recovery requests the original creditor to provide the copy of the signed credit application. I see on those statements that there appears to be payments made to that credit card. Portfolio should also ask the original creditor to provide copies of the forms of payments received such as copies of the checks received, copies of any money orders they received or copies of online forms of payment which eventually contains the bank account name and address of the person that made those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In reviewing my XXXX consolidated Loans that were taken over by Navient, I noticed that the loans stated that they were consolidated for 30 year extension. I found this hard to believe that I would agree to consolidate for this amount of time, and wanted Navient to prove this. Also, all my other loans migrated were extended to only 10-20 years ( which made more sense ). When I asked Navient to review and confirm that this information is correct, they advised that they needed to pull the migrated records from the old loan provider from their archive system. After the call, it has been over 3 weeks, and nothing has been received from Navient. I called XXXX XXXX to ask what is going on, and they said that I will need to do the investigation myself, as they do not have records in their archive. 

I am extremely worried that they have applied bad terms to the repayment of my consolidated loans. I am not sure what to do to have this properly investigated, and if it is found to be wrong, what to do to get this fixed. 

Navient have just proven themselves to be a company that is willing to scam their customers, and when asked to investigate, they are ignoring the issue. 

I want to pay back my loans, but not through fraudulent activity such as this may be.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: I have a refund from Ebay, they gave me the following PayPal transaction ID XXXX. This is from XXXX XXXX, 2016, after several calls and emails to Paypal they ca n't find the transaction, they asked me for all my credits card numbers, address, accounts, they asked me if I have husband, brothers, son, they asked me for the name of the merchandiser, really I do n't know what kind of mess they have there but at this time I have no refund. They asked me the transaction number about 50 times but at this time I 'm scared because I gave to them all my personal information just for a refund and I do n't know if this is normal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: Greetings, Freedom Mortgage I have been out of work for more than a year. I was on a special forbearance plan with Freedom Mortgage, but I missed a payment due to no funds and the plan was cancelled. I submitted a new request for Loss Mitigation, but was denied due to dti. I had no income at that time. However, I was approved for benefits by Texas Workforce Commission and now have income. I submitted an appeal on XX/XX/XXXX. I never received any calls nor any written communication regarding the appeal. I called Freedom Mortgage on XX/XX/XXXX, for a status update. The rep reviewed my account and stated I was approved for another forbearance plan. I stated I never received a call or written notification, so he stated he would email it to me since I have until XX/XX/XXXX to sign and return. The forbearance he emailed to me was the old forbearance plan, which is expired. I called Freedom Mortgage again on XX/XX/XXXX because I was furious. I explained the fact that I suffer  from XXXX and have a XXXX XXXX with no insurance for medication. I have been barely holding on because of fear of foreclosure. The rep stated my appeal was denied and that he was n't sure why the previous rep said I was approved. I informed XXXX I 'd # XXXX, that I needed to speak with a manager. To build my hopes up and tell me everything was fine and my appeal was approved was insensitive, hurtful and has cause me to go into a XXXX XXXX. That inaccurate information absolutely deflated me. I have had to seek guidance from ministers and really trying not to return to the XXXX XXXX. I ca n't afford it this time. XXXX told me that there were no managers on the floor. He showed no urgency to help and I am beyond disappointed with Freedom Mortgage. They never CALL and the only written communication I receive is a letter informing me of a new single point of contact, which is every two weeks it seems. My income status has changed, as well as my debt. I submitted a new request for Loss Mitigation today XX/XX/XXXX. I use to work for XXXX XXXX XXXX XXXX Office of the CEO and President. I use to handle all regulatory complaints from the OCC and CFPB. I have had great experience in the past working with your offices and I hope that it can be a great experience as a customer.

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 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Other transaction problem

Complaint: I sell items on XXXX. All XXXX transactions are processed through PayPal. On XX/XX/XXXX, I received an email from PayPal stating that a customer who had purchased an item on XX/XX/XXXX opened a case with their credit card company stating that they didn't recognize the charge. This resulted in PayPal opening a case and withholding the amount of the transaction ( {$24.00} ). 
I responded to the PayPal case and suggested that the customer probably just forgot they ordered the item and I provided the transaction info, pasted here : XXXX this transaction was an ebay purchase made on XX/XX/XXXX for : XXXX and XXXX XXXX GPS Map XX/XX/XXXX on MicroSD for XXXX Devices XXXX item number : XXXX XXXX In the meantime, I received a message via XXXX Messages from the customer ( XXXX ) stating " I need to pay you my wife cancel payment didnt realize I had ordered chip ''. 
From this, it's clear that the buyer 's dispute of the transaction was in error. 
This info regarding the customer 's admission of the mistake was also provided to PayPal. 
On XX/XX/XXXX, I received an email from PayPal stating that they've closed the case in the customer 's favor, debited my account {$24.00} for the original transaction plus {$20.00} for a chargeback fee. 
I'm seeking the return of {$44.00} to my PayPal account XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed this account reported to Experian, from XXXX XXXX Bank. 
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau.

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 03/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX XXXX accounts listed on my credit report on which I was an authorized user in the past. I'm no longer an authorized user and I have requested XXXX to remove these accounts from my file since they do not belong to me. They keep reporting the account as Closed/Paid/Zero Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Transaction issue

Complaint: In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Bank of America actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay.

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 11-05-2016 about Debt collection (Medical) with Penn Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX Penn credit keeps calling my unsolicited home phone looking for someone who is NOT, and has never been at this number. I have relayed this to Penn Credit on multiple occasions and they continue to harass us looking for this individual. I will be submitting complains in all possible ways. My home number is 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 09/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint: In XXXX of XXXX I opened a 7 year CD at 3.85 % with USAA. When the XXXX matured this past XXXX XXXX, USAA automatically rolled over the proceeds from that XXXX into a new 7 year CD without my knowledge or consent. The new XXXX has an interest rate of only 1.1 %. In order to get my money out I had to pay a {$2500.00} early withdrawal penalty from the new XXXX that they opened without my knowledge or consent. I tried several times to get through to the bank in late XXXX and early XXXX. It took me several attempts to get through to the bank by phone, each time being transferred and placed on endless hold. This is a predatory practice aimed at cheating unsuspecting customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Around XX/XX/XXXX, I received a call American Credit Acceptance at my work station. I could not talk at the time so I returned the call. They were calling me stating I was past due on my account. My due date is on the XXXX of every month. When talking with the representative, I told her that I received a bill for over 1,100 and at the end of the bill, it said ... your regular payment is due XX/XX/XXXX. Well, I was at the end of my loan and did n't realize it. The representative argued with me stating they did not send me this bill but was stating that I still owed XXXX. I said well why would I owe XXXX. I then said its because you sent that bill and I paid my regular monthly payment. The representative was not helpful so I requested a supervisor. the supervisor was alright. I believe her name was XXXX. I explained the situation to her and she suggested a loan modification which would break down the remaining balance over three payments. She emailed me the paperwork. I filled it out the same day and faxed it back. They received the paperwork onXX/XX/XXXX. To date, they have not processed the paperwork and I was still receiving calls in referencing to account being past due : XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX and the XXXX. I called back several times and was told an exclusion would be placed on my account while they reviewed the request. Again, I received more calls and again told they have not processed the paperwork. They told me it takes 24 to 48 hours. I have spoke with at least three supervisors and this matter still is not handled. How does someone go from paying XXXX a month to paying over 1,100 because it is the end of the loan. I knew the last payment would be a little more but not three times the amount. Everytime I call they tell me how late I am on the account. I do not understand. I have kept my loan in good standing for five years now and at the end they want to report it badly. whenever I had an issue I communicated and made arrangements so as not to be in poor standing with the loan. No one is trying to help me and I do n't understand. Is this some sick game where they default the loan at the end. For what reason, they are being unreasonable and will not give me an explanation. Please help. I need to know what I should be doing. I am sorry, I do not have this kind of money laying around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I dispute this debt belongs to me so I repeatedly requested validation and received no documentation. After receiving no documentation, I called XXXX and they confirmed they have no documents whatsoever. As there is no evidence of this debt whatsoever, I requested deletion of this trade line from my credit reports.

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 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX XXXX FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 10/31/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around.

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 03-11-2016 about Consumer Loan (Vehicle loan) with YKS Acceptance, Inc. (CO).
Issue: Shopping for a loan or lease

Complaint: I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with AMCOL Systems, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed

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 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX employer address 's on my report that are in error ... ... XXXX XXXX XXXX is my ex wife 's new address and XXXX XXXX XXXX is a misprint ... ... ..the other is listed correctly as XXXX XXXX XXXX. I also have another issue, my exwife insisted on paying all bills and controlling all money issues. She was notorious for paying late. I am being unfairly rated due to her lack of maturity in bill paying. I would like to have my scores reflect my history on bill paying since our divorce ... ... .which was about 5 years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked this company Pinnacle to verify a debt they claim I owe. I never did business with Pinnacle and I asked them to validate this debt and remove it from my credit report. I gave them 30 days on XX/XX/2017 and they still never validated and have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Claims to have not received a payment but I have clear bank proof of the transaction.

Company response to consumer: Closed with explanation