milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I discovered an unknown medical account dating back from XX/XX/XXXX on my Experian credit report so I filed a proper dispute with Experian by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX Experian received it on XX/XX/XXXX and I received their response XX/XX/XXXX. Experian said that XXXX had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent XXXX a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to Experian on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent XXXX XXXX XXXX XXXX and proof of their having received it. The second dispute letter sent to Experian asked that the aforementioned unknown medical account be removed from my credit report due to XXXX XXXX XXXX XXXX XXXX failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my Experian credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Experian 's refusal to properly investigate this is a violation of the FCRA and FACTA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/2018 I applied for a credit card with XXXX XXXX XXXX. The next day they contacted me and asked me to lift the security freeze on my account. I never placed a freeze on my account and this has happened numerous times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The AAA Company (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 I went in person to the XXXX XXXX AAA ( XXXX XXXX XXXX XXXX XXXX ) branch to add my engagement ring onto my existing renters insurance policy. I had  been told previously over the phone to bring the ring for pictures as well as a recent appraisal. Once I was seated with a representative she asked her manager to take the photos and collect my information. I was moved to another cubicle with the manager and she explained that I would receive a bill in the mail pro-rated for the rest of the 2017 year. A week later I received a letter from AAA that was a Fair Credit Reporting Act Notice ( auto ) that stated I was being denied auto insurance based on a consumer report from XXXX XXXX XXXX XXXX XXXX. I never discussed auto insurance with AAA, nor do I have any interest in obtaining a quote from them. I never gave consent for them to pull my consumer report in any way. I have contacted AAA and spoken with several representatives and managers and no one has an answer for me in regards to why this was pulled or how I dispute it.

Company response to consumer: Untimely response
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 

It has come to my attention that there may have been some accounting irregularities in this account, which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 

This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. 

Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. 

Please respond and/or rebut the following points in the attached affidavits and documents, point-by-point and line-by-line, in affidavit form, and provide documentary evidence to support your claim.

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 10/13/2016 about Bank account or service (Other bank product/service) with Xerox State & Local Solutions, Inc. (WI).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 I attempted to use my eppicard and it was denied. I later found out over $ 700+ had been taken out of my account through fraudulent activities. I immediately contacted eppicard to report the fraudulent claims. It took two days and hours on the phone because no one would pick up the call. I sat on hold for hours after being re-routed multiple times. I finally got someone on the phone after an hour and gave them all the info. They then transferred me and I had to give all the info again. I was told they would send me a form and I would need to fill it out and return it. Then I would have my money returned to me within a couple of weeks. The form arrived, I filled it out and returned it. I have still yet to receive my money back. I have made multiple calls to eppicard to find out where my money is and have been repeatedly hung up on by the system or sat on hold for so long, my phone has gone dead, or I have had to hang up. Most recently I call and it took me recalling the customer service number for 25 minutes to finally be transferred to a XXXX person. The system would hang up on me if I did n't answer the prompts correctly. Once transferred, I remained on hold for 85 minutes until I finally had to hang up. I still have yet to get my money back or speak to anyone live about it.

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 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Foreclosure & a Bankruptcy on my credit report. The foreclosure has not been foreclosed and probably never will because it is fraudulent. The Bankruptcy was caused as a result of the fraudulent foreclosure. I am consulting with attorneys to start a damage claim lawsuit against the mortgage co. I believe these items should be removed from my Credit File and Reports due to the fraud charge. These circumstances have caused a very negative impact on my credit and life.

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 10/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am making a compliant on Select Portfolio Servicing , Inc., regarding my loss mitigation process. Back on XX/XX/XXXX, I requested for a loan modification and since then, all SPS has offered was giving me the runaround with request of the very same documents they have already received. And I ca n't began to tell you how many times I had to start the loss mitigation process over again as SPS would let the requested documents submitted age out and then put the blame on me stating they did n't receive them. I never got a call nor did SPS send me a letter describing what additional documents they needed to move forward with review of my loss mitigation. And they did not ever send me any updates on the status of my review for loss mitigation. 

The date I last submitted documents requested by SPS was on XX/XX/XXXX and I still have n't received any outcome of that loss mitigation, not to mention these were the same documents I have sent in multiple times so I feel that SPS has intentionally prolonged the review process. 

However, SPS did n't have a problem sending me a default letter dated XX/XX/XXXX wherein it 's stated there are options available for me to stay in my home, one of which is loan modification. This is not only confusing but it is deceptive, abusive and unfair. I have diligently provided any and all documents requested by SPS yet without completing my latest review, XXXX XXXX from SPS in a phone call on XX/XX/XXXX, stated that my account has been referred to a foreclosing attorney. How can they be reviewing me for loan modification at the same time they are initiating foreclosure? As I understand it, this is Dual Tracking and it is illegal. 

My hardship started when my husband XXXX got ill and since, he has unexpectedly passed away. This has been devastating for me and my son this past year. I am doing my best to cope with each day without the additional heartache of having to deal with SPS on a matter which should be pretty cut and dried. They are grossly negligent in their process of reviewing me for loss mitigation and I feel they have no system in place to follow the rules and regulations of CFPB or they just do n't care. SPS seems to take no accountability for their actions and I feel how they treat borrowers like me is of no importance to them ; that they are completely insensitive to the chaos they cause in one 's life by all the misinformation and the runaround from the account representatives. 

I kindly request that I be awarded a loan modification as SPS has failed to review me in a timely manner and they did not follow the process of loss mitigation by following the Making Home Affordable guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Because of my inability to repay my loans, Navient has offered me several Opprutinities of deferment and forbearance, never any income based repayment plan. I was n't until recently that I learned what an IBR was. I believe that Navient and XXXX XXXX purposely offered plans to accumulate more interest for my loan. When offering deferments and forbearances Navient should also proactively offer IBR for borrowers with financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (VA).
Issue: Unexpected or other fees

Complaint: I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. 

I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. 

I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX  took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. 

In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account was opened bye someone without my knowledge. Fraud

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 03/29/2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I have experienced financial difficulty. From the beginning I was in contact with Tower Loan to let them know I was trying to get them paid but I was struggling. From the beginning they were very rude to me. My first attempt to get the past due debt taken care of was going through a debt consolidation company. When I told tower loan this i spoke to XXXX who was the manager at the time and she said she would make a note of it. After that she never called me. I was advised to send my creditors a cease and desist letter to all my creditors so I sent one to tower loan. There was a change over in management and someone showed up at my house about a month after I sent them the cease and desist letter. I found that totally uncalled for. I had n't received a phone call from them in a long time so I did n't understand what gave them the right to show up at my house. That night is when the phone calls started. 10 minutes after the lady left my house XXXX from tower loan in XXXX. I informed her someone had just left my house so there was no reason for her to call me. I told tower loan again that I was going through a debt consolidation program to get them taken care of. They then told me that they had turned my account over to an attorney to start the process to garnish my wages and the only way that would n't happen is if I paid my account current. At this point they were trying to scare me into paying my account current and they were not willing to work any payment arrangement out with me that did n't consist of getting the account current. At this point I was so scared of them garising my wages I contacted a bankruptcy attorney. I ended up retaining XXXX in XXXX mo and I cancelled the debt consolidation. I told tower loan that I was sorry but I was filing bankruptcy. They were agan very rude to me and told me that evendors though I was filing bankruptcy they could still take my belongings that were secured. I let her know I had discussed that withe my attorney and that he was going to take care of it all for me from here on out. She told me that they would fight to get my belongings from me. I again asked them to not call me. She informed me that until they had a case number they would continue to call me. I told her that I was tired of them harassing me even after I sent them a cease and desist letter to tell them to not contact me and she said they would still call me. This has continued long enough and I am tired of them treating me like dirt and calling me daily when they know what is going on. I am filing bankruptcy and they attorney has been retained. I do n't feel like there is anything else to say to them but I ca n't get them to stop calling me and harassing me. I have asked them several times and they refuse to quit calling me

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 Debt collection (Other debt) with ERC (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (NY).
Issue: Application, originator, mortgage broker

Complaint: CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Closing on a mortgage

Complaint: I had a mortgage with Santander Bank that was refinanced with XXXX XXXX on XXXX/XXXX/XXXX. Santander Bank automatically withdraws the mortgage payment on the XXXX of every month, from my Santander checking account. Santander withdrew my XXXX mortgage payment on XXXX, XXXX/XXXX/XXXX totaling XXXX from my Santander checking account ( see attached mortgage statement ). My checking account is now overdrawn. I contacted Santander Bank yesterday XXXX/XXXX/XXXX and today XXXX XXXX/XXXX/XXXX and they claimed the payoff funds were not received until Monday XXXX/XXXX/XXXX the day the mortgage payment was withdrawn from my Santander checking account, and although my mortgage with Santander is closed they can not ( or will not ) return the XXXX to me for at least 10 business days, and via a check in the mail. This is unacceptable ; my checking account is overdrawn and I need money for daily and weekly expenses. I want the XXXX mortgage payment automatically returned to my Santander checking account immediately. In addition, the payoff from XXXX was higher than the ending principal balance of my loan with Santander and Santander says it will also take at least 10 business days to calculate the refund to me, at which point they will mail a check to me. Why so long? That is also ludicrous and I want to see that money come back to me as soon as possible. Because of the personal information in the XXXX refinance paperwork I am not attaching the file but can provide that paperwork if needed by BBB which shows that the refinance took place on XXXX/XXXX/XXXX. Thank you for your help with this issue!

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