milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Money was not available when promised

Complaint: I 've had a PayPal account for years. I 've got a linked credit card and linked bank account. 

PayPal is refusing to allow me to transfer money stored on PayPal to my bank as of Sunday, XX/XX/XXXX. The reason given was that I have a " withdrawal limit '' based on U.S. banking laws and need to supply two out of three pieces of information. I have supplied all of the required information and PayPal is still refusing to release my money. 

The pieces of information listed were : 1. supply a linked bank account ; 2. supply a linked credit or debit card ; and 3. provide your social security number. 


I had already provided the requisite two out of three pieces of information, but added my social security number anyway on Sunday, XX/XX/XXXX PayPal still refused to release the funds, citing a withdrawal limit and directing me to the same three pieces of information. When I tried to add my social again, this time it told me that I had done all that I needed to do. 

So, I waited. The next day, which was Monday, XX/XX/XXXX, at approximately XXXX a.m. XXXX, PayPay still would n't release the funds. I called them, but their hold times were long and they do not provide a message stating an approximate time that a caller will have to wait, so I hung up and sent an email instead. In my email, I noted that their website promised a response within 24 hours, so I explained the problem and also explained that I would file a complaint to the CFPB if they did not contact me or resolve the problem in 24 hours. 

I received an automated reply with information available in their " frequently asked questions '' section, which did not help me and which I had already read. I responded asking someone to please read my original email. 

I received a reply from a person, XXXX, that contained the exact same information from their FAQ that had previously been sent to me. I replied that I 'd already done this, and asking someone to please just read my email, but by this point it had been 24 hours and copied and pasted info from a FAQ is not something that I count as contacting me about the problem, as I 'd requested, so I 'm filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was doing a loan modification with XXXX Bank. It started in XX/XX/XXXX and ended XX/XX/XXXX. On the final modification papers, it was stated by XXXX that the late payments would be removed from my credit after 1 year of making payments on time. 
When I called XXXX after a year, they said no the late payments stay on for 7 years. 
Is there anything I can do about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax refuse to remove Federal tax lien. I supplied a copy ofform XXXX XXXX ( Withdrawal of filed notice of federal tax lien release )

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (VA mortgage) with SERVICE 1ST MORTGAGE, INC. (VA).
Issue: Credit decision / Underwriting

Complaint: Receive multiple misleading mortgage refinance letters from Service 1st Mortgage Inc. Letters imply they are from Veterans Administration and /or current mortgage lender. Letters attempt to get you to think they are calling about your existing loan and need to take action on your existing loan. In reality, it is a refinance offer ( at higher rate ) and attempts to mislead consumer about escrow refunds. See attached copy of letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had contacted equifax on a collection by XXXX, they had bought this from XXXX and are reporting the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted the following creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. The creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (MS).
Issue: Unexpected or other fees

Complaint: On    XX/XX/XXXX  my card was lost &  XXXX  was taken from my lost card by a purchase made at  XXXX . I immediately called MONEY NETWORK to get a new card and to deactivate my old card before future payments be made from my account by a thief. Talked to numerous people to get a understanding of how disputes work and what will be done. On   XX/XX/XXXX   I sent my dispute form out and was told I will be credited for my missing money between  XXXX  business days,  10  business days pass but yet no credit or explanation of the investigation besides no update ; however on  XX/XX/XXXX   I was told by  two  representative that on Wednesday   XX/XX/XXXX   I will have a update & should be credited back to my account from the missing money. I have reach out to numerous representative and talked to the manager  XXXX  yesterday with still the run around I just want my missing money back asap.

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 08/22/2017 about Debt collection (Auto debt) with Coastal Credit, LLC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On Friday XXXX XXXX around XXXX XXXX from Coastal Credit Auto loans threatened to destroy my credit and garnish my wages if I did not make an arrangement to settle my debt with them even when I stated several times that I was calling to make arrangements on settling my debt. He went on and on about when I bought the car how I was making the payments up until two months ago and it was not his fault that I was in an accident and that he was going to make sure that over half of my wages be garnished and how would I like that? When I asked him if he was threatening me he laughed. This back and forth kept on until I finally asked him what he was going to do? Either he was going to sue me or take my arrangement? He said that I better not bounce the check on XXXX XXXX or they were going to garnish my wages. Per federal guidelines this is unacceptable. I felt threatened and bullied into arranging a payment that I can not afford. I am seeking your assistance in the matter first before taking other legal actions. This is not my first threatening encounter with representatives at coastal credit company. Approximately two weeks prior to this phone call another representative from the company, XXXX, did the exact same thing. I hung up on him after he said that he was going to report to the credit bureaus that I refused to cooperate with the company and I refused to pay. I told him that his conversation was recorded and that he was lying and I will no longer communicate with him unless its in writing. I have yet to receive a letter from Coastal Credit company stating that they are suing me for the balance. I only have received threatening calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Medical) with Nationwide Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient has repeatedly and frequently called my place of employment after being told by my employer that I may not receive any calls outside of emergency calls on this line. I removed this number from my account information, although I do not know how they even got this number as I never give it as a contact method, and they still continue to call my place of employment up to XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with National Bond And Collection Associates, Inc. (WI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: We have received several calls from a man named  XXXX   XXXX  looking for my husband. He refuses to provide any more details other than his name and  XXXX  number, saying this ous a personal matter. Due to how rude he has been coupled with the lack of information from him, I asked him to correspond via mail, and to stop calling. The calls stopped, but never received anything in the mail. Several weeks pass, and  XXXX   XXXX  called our house again this morning. I explained my husband was unavailable, and asked if I could help him. He asked me to just have my husband call him, and provided his name and  XXXX  number. When i asked what company he was with, he refused to tell me, only saying it 's a personal matter. I told him, " no, you need to tell me what company you represent or I wo n't have my husband call back ''. He said, " real immature. How about you grow up? '' I said, " excuse me?! '' He said, " you heard me! Grow up! '' I responded with, " lose my number   XXXX   XXXX   '' and hung up. I then had to  XXXX  the  XXXX  number he gave me to find the company he worked for, which turned out to be  National Bond and Collection Associates. I  called the other number listed on the website and asked the receptionist to speak to a supervisor. Then I asked if  XXXX   XXXX  was an employee. She explained that he was the supervisor. I then asked to speak with his boss because I was upset at the insulting bullying tactics  XXXX   XXXX  was utilizing. The receptionist, who did not give her name, chided me while saying, " look at how you 're talking! You are immature and need to grow up! '' I told her to lose our number, and proceeded to call their local police department. The answering dispatcher told me I needed to go through my local department. Needless to say, the police were a dead end. I then contacted the FTC, who directed me to this site to file my formal complaint. I 'm familiar with collecting procedures and what companies can and can not do.  XXXX   XXXX  and his associates resort to illegal bullying tactics and evasive answering ; intimidating actions that might scare people into paying a debt they might not even have.  XXXX   XXXX  's refusal to provide supporting documents and unwillingness to provide company identification makes me think they 're skirting the line of fraud. At the very least, they 're bullies that need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The investigation of Equifax Dispute Number : XXXX was past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed unknown accounts on my credit report, because I want them to validate the debt, but they continue to verify it instead. They must properly validate these debts to prove that they should be on my account, because inaccurate and unauthorized information should n't be reported by Experian. I have attached a copy of the identity theft report from Federal Trade Commission in this complaint. This problem should be fixed in 30 days or remove the accounts. I would like an updated copy of my report. The accounts are : XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX/XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I effected a transfer online of {$3500.00} from my checking to my savings account. Wells Fargo took the funds from my checking but did not place the funds in my savings. When I called customer NO service they said the transaction was pending subject to review and approval!! 
This is just another method of XXXX to steal funds from consumers. 
I transferred funds from my checking to savings. Wells Fargo took the Funds from my checking account but did not place the funds in my savings. When I called they said the transaction was " pending ''. 
So they keep my money and deny me use. If I did that it would be a thief ONLINE TRANSFER REF # XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (CA).
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 sent 2 certified letters to XXXX, XXXX, XXXX and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i can not verfiy my identy on the question so i need to get that fixed

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (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: Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r  XXXX   XXXX  ) I 've been declined. I try calling  XXXX  to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But  AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed

Company response to consumer: Closed with explanation