milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Account opening, closing, or management

Complaint: My Paypal account had fraudulent activity, XXXX unauthorized charges, on XXXX XXXX. I immediately disputed all XXXX with Paypal. They submitted all XXXX charges to my bank account sending it overdrawn with multiple overdraft fees. XXXX. Regardless, XXXX of the XXXX charges have been resolved in my favor and refunded. XX/XX/XXXX is still unresolved at Paypal, since XX/XX/XXXX, it 's now XX/XX/XXXX, and they say that it should have been " resolved in 10 business days ''. Repeated emails have not resolved this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I received an offer from American Express that promised XXXX bonus rewards points if I spent {$1000.00} in the first three months. I spent {$1000.00} and was never awarded the XXXX bonus points. When I called American Express customer support, they informed me that it was n't the offer I signed up for -- which is completely inaccurate, as I specified this promotion when I signed up. This is no less than fraud in deceiving me to sign up for a line of credit with them under false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical claim was met through deductibles. A total charge of  XXXX  dollars and  XXXX  were sent in.   XXXX   of Illniois covered through insurancr. The total amount I owe on both is  XXXX  dollars. I sen t MRS the  paperwork and told them they were wrong to begin with since I delay with this over a year ago. I retained a lawyer and once this is cleared I plan to sue MRS. My wedding is in a week and because of this false collection it twice prevent me from being  approv3d o n ctedit. The documents were sent to  MRS and   XXXX . Currently is dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I wrote Transunion on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of 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 05/18/2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a XXXX ( XXXX ) loan with ( University XXXX, XXXX, XXXX ) outstanding with XXXX late payments from last year. ECSI told me to fill out a economic hardship application so there is proof of my XXXX last year during those XXXX late payments and they would clear those late payments reported with credit bureau. They accepted my application but the credit bureau is still reporting the XXXX late payments. I need those late payments cleared from my name please. I pay XXXX the amount due on this same loan every month now that my business is reporting income. I would appreciate a little help, especially from all the hard work I put in for a XXXX and the effort it takes to start a business from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a XXXX mother who wanted to take care of my son without using the system. I decided to go back to school and decided to become a XXXX. I chose a school at the time called XXXX in XXXX Washington. 
I did n't realize that XXXX would cost me a arm and a leg and would also put me in a financial hardship that would cause me not to be able to get a home loan in the future. What took place is no one told me that XXXX cost well over the actual cost of other programs at local XXXX colleges for XXXX. XXXX cost was {$13000.00} per student and other colleges which also offered XXXX degrees cost {$8000.00}. 
I attended XXXX and took out loans because the financial rep said that all I qualified for at the time I never attended college and believed her. I started to have hardship because I needed to work and the program only offered a early morning session and a late evening session so I had to ask for a leave. NO ONE told me that taking this leave I would still be responsible for the whole loan! 
When I decided to go back and finish the program the school location changed and so did the name it was now called XXXX! Well XXXX had me go through everything all over again and since I had attended the school in the past I was supposed to get a huge deal NEVER happened another {$13000.00} plus but I finished and found a job without their help! 
I thought I would be done with these type of schools and lenders lending to these types of schools that lie just to fund THEIR employees and pocket money. I decided after being a medical assistant I wanted to get a CAREER I looked into schools for the working person and found XXXX. I researched and researched being that XXXX XXXX XXXX was a student and Alumni I was like okay this may be a great school. 
Another school that told me you qualify for nothing but LOANS, now I owe {$60.00} in student loans I have my XXXX I only make $ XXXX I am barely making ends meet, I do have my XXXX, however its in XXXX XXXX and NO ONE has yet to hire me with it. I cant seem to offered to pay my student loans, I cant get qualified to buy a house the lenders ONLY see the student loan debt. When I called Navient and asked why was I only qualified for loans when I am very low income they said because of the school I chose to attend. IF this is the case being that all lenders get borrowers information why not red flag and say NO this student should continue to look into higher education that would be more beneficial to them financially. 
I have a degree I cant do anything with and I cant afford to pay anything back I am stuck in one space praying for hope!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid off the account balance since XXXX 2015 and despite my numerous contacts with the creditor and the credit reporting agency, sending all the legal documents showing that the balance was paid off, to this present date the account stills appears as unpaid and thus affecting my credit record

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 08/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: 1 ) None of the XXXX agencies will provide my report. 
2 ) XXXX XXXX XXXX ; I have XXXX fraudulent open collection XXXX. 
3 ) Degrotry collection from the XXXX XXXX child support, there is no balance and was incorrectly reported. 

Unable to dispute due to inability to access free credit report. 
I am a XXXX for 18 years ... I decided not to utilize my credit ... so there should be little to no activity ... 
Thank you ... 
the attached screenshot shows the suggested phone number ... .which is not active. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: The credit card company, Bank of America, received a payment for the balance and this account and then we requested the account be closed. Bank of America received a second payment in the amount of {$2400.00} from XXXX XXXX in error. The account is currently reflecting a credit balance and Bank of America is stalling and screwing around, taking their time getting this money back to me. They have now had a credit on a closed account since XXXX/XXXX/17 and the funds still have not been returned to me. They have told me it could take up to 60 days which is unacceptable as they are making interest on money not due them!!!!

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 10/19/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX XXXX XXXX XXXX Litigation Specialist for Bank of America sent a letter stating that the letter we sent in response to the right of rescission found in TILA does not apply to purchase money transaction and reviewed to be that the proceeds of the loan enable us to acquire our subject property which was alleged to be consummated in XXXX XXXX we then are perplexed by the signing of the loan at that time since we have never refinance the home since our purchase date of XXXX XXXX who then signed the documents represented on our behalf. We understand that the mortgage instrument is a statement that real property is collateral for the faithful performance under the note. If the maker of the note fails to perform then the collateral can be sold to satisfy the balance due on the note. But without a valid note that memorializes the terms of the debt, the mortgage is collateral for an obligation that does not exist -- - unless the note is improperly sold to an innocent third party who pays value, in good faith without knowledge of the maker 's defenses. That bona fide third party is protected under the law. 
If the maker executes an instrument that is defective in some way by reference to parole evidence ( outside the assertions made on the note ) then the third party can enforce the note against the maker despite the existence of otherwise valid defenses of the maker of the note. For anyone other than an innocent holder in due course, the burden is on them to prove that the note was merged with the debt. 
So the questions that we need to be answered are these since the issues have not been addressed for those who have pursued foreclosure have used legal presumptions in a twisted way -- - arriving at the conclusion that a debtor need not know the identity of the actual creditor in order for the obligation to be enforced.Our title concerns are that according to the documents provided by Bank of America N.A, is being researched almost monthly so questiondid you hear or see any evidence that identified the party to whom the payments from the borrower were forwarded? 
If not, why did you assume that such a party existed and had authorized the parties in court to act on collateral for the benefit of the real creditor? 
did you hear or see any evidence that connects the real creditors with the parties who appeared in court? 
If not, why did you assume that such a connection existed with an unidentified entity? We continue to challenge the bank to explain to us how the chain of title is so imperfect and appears fraudulent The bank says that the modification offered would amount to XXXX to a new projection of XXXX what happen to the payments of 15 years XXXX 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 10-12-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AR).
Issue: Problems when you are unable to pay

Complaint: Since filing my first complaint # XXXX, Wells Fargo has started foreclosure on my house, yet they are the ones that could n't modification paperwork correct. After 31 months they can not get the description right. In the meantime my credit is destroyed from their reporting I 'm not making payments. They are trying to sell the property based on the description that is wrong and will be giving a mortgage based on an incorrect property description.

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 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has repeatedly inaccurately applied payments to my accounts, talks sme into forbearance or applied forbearance instead of income driven payments, taken out extra payments from my bank account without me even allowing auto payments and now they are charging me over XXXX next month and will not lower the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a rental house located in XXXX XXXX XXXX, XXXX. I also have a mortgage with Sun Trust Bank for that house since XX/XX/XXXX. I 've always paid my mortgage and never late until this past XX/XX/XXXX. I ca n't afford to pay the mortgage anymore. I attempted to refinance the mortgage XX/XX/XXXX with a credit of over XXXX at the time I thought it would be easy. I filed the application and processed through the whole mortgage thing only for Sun Trust to tell that there is a XXXX lean on my house from the City of XXXX XXXX XXXX.I was told pay it off and will move forward, so I called the City of XXXX XXXX XXXX and they searched their files for leans and I was told there is no lean on XXXX XXXX XXXX XXXX house owned by me XXXX XXXX. I contacted Sun Trust and told them what the City told me that there is no lean on my property. Sun Trust refused to move forward so I said I 'll something in writing from the City but I told no pay it or we move forward. That was it the mortgage was to high and I could not afford it anymore. XX/XX/XXXX I stopped paying my mortgage so Sun Trust said they 'll send me a loan modification packet which they did, I filled it out and returned the packet only for Sun Trust to send my loan to a collection company called XXXX located in XXXX. I attempted to contact Sun Trust and was told to talk to XXXX. XXXX sent me another loan modification packet and told me to fill it out. I said I just sent one in to Sun Trust I was told I 'll have to send another one to them. I again filled out this lengthy application with all my info and XX/XX/XXXX tax returns. Nothing happened for about a month then XXXX sent me yet a third loan modification packet and said I had fill this out again, of after yelling and screaming as to why do I have to fill out XXXX of these I was told if I want help then this is the process. I filled out the tired loan modification application and sent it back, if you can believe it the customer service female told that this is what XXXX does on a recorded line. Now I just yet another packet which I refuse to fill out. I have an investor from XXXX that wants to purchase the house as a short sale and I said great, but I can not get anyone to help me at XXXX. I called XXXX today and left a message for the person in charge of my case relationship manager XXXX teller # XXXX to call me but she never called back. I guess their stalling for time and will try and foreclose on the house since it has about {$30.00} in equity. This is the game that is being played by Sun Trust and XXXX. I need your help with this situation. the loan on my Sun Trust mortgage is ( XXXX. ). SLS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX 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 05/16/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX    XXXX   I became ill and my brother took me to his home to care for me. He inquired as to what it would take to buy me out of my lease, They told us {$1400.00}, a 30 day notice and current months rent. I seemed to recover enough to go home at the end of  XXXX ,   XXXX  . But shortly after returning home I had a relapse and my brother decided I needed to move in with him and  XXXX  my sister in-law, so I could be cared for around the clock. On  XXXX   XXXX ,   XXXX    XXXX  and I went to the apartment  manager  and took them the {$1400.00}, the 30 day notice, and  XXXX  rent. The woman in the office said she could take the 30 day notice and  XXXX  's rent, but explained I had to come back to talk to the manager. On  XXXX   XXXX ,   XXXX   my caregiver  XXXX  and I went back to give th e manager the {$1400.00} I had to stay in the car due to my illness. The manage  XXXX  proceeded to tell  XXXX  that because I did n't give the {$1400.00} when I turned in the 30 day notice I would owe for  XXXX  also.  XXXX  explained that we tried to turn it in on  XXXX   XXXX  but they refused it. I do n't owe them anything I did what I was told and they took the money the notice and the current rent. I have been fighting I.  Q. Da ta ever since. I do not owe them {$880.00}. Because of this I  may  have lost a wonderful opportunity for me to get a nice apartment close to my family but still live independently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to get a loan modification for at least four years. From CitiMortgage my house will be sold on XXXX XXXX, 2015. I have gotten the run around and I can never talk directly with the person assigned to me. I always have to get a call back. some time it would days before the person was available. I have a job and can not spend my work hours on personal business while at work. My loan number with them is XXXX and at one point almost 23,000.00 dollars was paid in arrears and I also paid XXXX payments in a loan modification with them. They dropped the modification when the final papers that needed to be signed were n't back because I had trouble getting my ex-wife to sign them. She is on the loan too. I do n't think anyone can help me it is too late I am sure. The greed of these companies is not right how they want people to give in.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a victim of identity theft residing in the state of California. The fraud event has been reported to the police and a police report has been filed. 

I have recently placed a security freeze on my Experian account. On multiple instances I have attempted/completed a request for a temporary lift of the security freeze. In every instance Experian has charged me {$10.00} for the service despite my documented identity theft - a direct violation of applicable consumer law ( s ). 

Experian 's customer service is inaccessible and I am unable to accurately report the issue or discuss the process for correction directly with a company representative. Instead, I am directed through an extended and inapplicable automated system and the call is arbitrarily terminated without addressing any concerns. 

Experian has developed a system that does not appropriately allow consumers to contact their agents and/or address complaints or issues - including those that may be associated with violations of consumer law ( s ).

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

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 06/20/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute to Equifax based on inaccuracies being reporting by XXXX XXXX XXXX XXXX XXXX. My account with XXXX XXXX XXXX XXXX XXXX is set up on automatic payment deductions, bi-weekly and the Credit Union failed to take out the payments, which resulted in late payments being reported to the XXXX major credit bureaus. I spoke with XXXX in the loan department at XXXX XXXX XXXX XXXX and asked her to correct the information. She indicated, XXXX XXXX XXXX XXXX would correct the inaccurate reporting when disputed when the XXXX credit bureaus. XXXX stated, the credit unions policy is to have the consumer send in the dispute and when contacted by the Credit Bureaus, they will report the account as on time and asked that the information be corrected in my credit file. 
It is my understanding when XXXX XXXX received the dispute, they requested the information be corrected, to show on time payments. However, Equifax deleted the account in question, as well as deleted XXXX other accounts with XXXX XXXX XXXX XXXX. XXXX secured installment account reports ; " Paid in full with on time payments '', the XXXX account is for an auto, which is open and show on time payments since XXXX XXXX and the XXXX account in question, is an unsecured installment account, opened in XXXX XXXX and should have shown on time payments. A total of XXXX accounts were removed with perfect payment history as a result of my dispute. The removal of the XXXX accounts from my credit file, is highly injurious to my credit rating and did reduce my score, contributing to my inability to secure a mortgage recently.

Company response to consumer: Closed with explanation