milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has never provided a full accounting of debt owed to the XXXX XXXX even though requested on numerous occasions. No invoice, statement, letter or electronic notice every provided to request payment. When I called and spoke with representatives ( XXXX XXXX XXXX XXXX. XXXX XXXX, in XXXX XXXX, I was told to wait for reconciliation and notice to be sent ). Nothing was every provided. It was then reported to US Dept of Treasury XXXX a debt owed, US Treasury sent demand letter and I responded same day with payment and undeserved late fee, which was cashed on XXXX/XXXX/XXXX from my bank account. They then reported on XXXX/XXXX/XXXX that I was 180 days late on a federal debt. When I called, they could not locate payment, or evidence of request. They will not remove or correct, and insist on additional payment even though I have proof of an on time payment. They continue to report this fraudulently even though I have asked them to cease and desist. I have offered to pay in entirety if they would provide full statement or any other accounting of funds due - they refuse, and continue to misreport the debt on my credit. The only document ever to request payment was from US Treasury was on XXXX/XXXX/XXXX and I responded with payment immediately. This is a gross mis-representation and jeopardizes my credit and employment. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: Our Rush card had XXXX side funds put aside XXXX emergency funds and on XXXX money for the kids. Just now got the emergency funds but they cleaned out the XXXX money. What the heck. Are we gon na get that back?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed account with Equifax by phone, online, and by mail. I have reached out to collection company and sent prove that original account doesnt match according to debt validation sent from XXXX XXXX and statement from XXXX XXXX XXXX. This item has been removed from other XXXX and XXXX.I have already disputed this item on many occasions and this is final attempt to get resolved and because of its negative nature, my next course of action will be filing suit for damages per state statute will allow.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Failed to pay service provider. Will not communicate. I am an independent fee appraiser. Nationstar ordered a foreclosure appraisal through the Dept of VA. they will not pay or communicate with me. I have sent several billings, put into collections, requested help from the VA and still have not received payment. Due to not communicating, I am filing a complaint and a congressional inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Deposits and withdrawals

Complaint: I have had a Paypal account for over a decade and use it for a variety of purposes. Three months ago, Paypal froze my account ( and withdrawal ability ), which contains {$1300.00}. I emailed their compliance department, but my request for the funds was denied. 

I have been using one of their products, MyCash, for over a year, in order to fund my account. Paypal 's TOS states that MyCash can not be " withdrawn to a bank, online bank, ATM, or prepaid card. '' I have followed this policy, and have challenged them to find a counterexample example in my transaction records. 

However, Paypal has not cited any example ( despite my request ) of how I violated their policy -- so I am completely in the dark! In addition, the contact information in their email to me appears to not lead to the right department. When I have called them ( twice ), they have given me scripted responses without any investigation. I believe I am entitled to a proper, respectful, and reasonable response as they are holding {$1300.00} of my money and not returning it. 
-- -- -- -- -- -- My email to their compliance department : Paypal Customer Service instructed me to email you in order to resolve the above case -- I 'd like to get more information about why the account has been limited and what led to the restriction. My basic understanding is that Paypal My Cash is to be used for Retail transactions only. I am certain that I followed this policy and need this case to be examined. 

1 ) Are there any specific transactions that were against Paypal policy? If so, can you please list these transactions? 
2 ) My account balance is {$1300.00}. This amount has been restricted for 77 days. When will these funds be available for withdrawal? 
-- -- -- -- -- -- Their response : For the safety and security of the PayPal network, we often review accounts for potential risks. After reviewing your account, we have decided to close it because of security issues. Below is part of the email that was sent in regards to the use of the My Cash product. 
We 're not sure you 're aware but it appears the MyCash has been used for deposits to your PayPal account, and those deposits have been withdrawn to a bank, online bank, ATM, or prepaid card. The MyCash feature is for making deposits to your PayPal account for retail purchases. If we continue to see this activity of using the MyCash with your PayPal account for cash withdrawals, we may have to limit or close your PayPal account. Unfortunately due to the continued use of the product as aforementioned, your account has been limited. 
Money in your PayPal account will be held for 180 days. After 180 days, we 'll email you information on how to receive your funds. 
We regret any inconvenience this may cause. 
-- -- -- -- -- --

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: 1 year ago we requested to have PMI removed from our mortgage payment through Chase bank. We made significant improvements to home over the past 3 years to satisfy the XXXX % LTV required by Chase. Chase bank outsources the appraisal through a third party called XXXX XXXX. XXXX XXXX then assigns a local appraiser to do full appraisal. The appraisal came back with no increase from purchase price and with many disrespectful and unprofessional opinions form the appraiser. Thus I was not granted the request to remove PMI and Chase was not willing to listen to my dispute. The appraiser was completely out of line and unprofessional in his description of my property and made assumptions that without my consent. I have everything documented from the original request to final addendum made to my appraisal. I would like to know if this is something I could bring to an attorney for review because I would gladly take the time and effort to do so. After reviewing my documents I hope you agree with my statement and believe I have serious case against Chase and XXXX XXXX. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent numerous letters to Chex Systems to verify or delete XXXX XXXX XXXX from my report and they have reinserted this account after they deleted it back in XX/XX/XXXX. I will be attaching the proof here as Chex System could n't verify it to begin with and still can not verify this account that 's reporting on my report negatively. I have never been notified by Chex Systems to even reinsert this and only found out when I tried to open a checking account and was denied. I will include copies of letters received and recent letters that were mailed to Chex Systems. 

Under FCRA 611 15 U.S. Code XX/XX/XXXXi ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I was never notified nor was I ever mailed any documents verifying this account. I 've also contacted XXXX XXXX XXXX as per the address they included and it was returned to me, copy attached. I demand this deleted immediately.

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 06/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I applied for a new car loan and was approved for an amount I could afford and that was the only reason I agreed to buy and leave  XXXX   XXXX  dealership in  XXXX , CA. The finance guy called me after a day o r 2 st ating that I needed to resign my loan with another finance company for a higher intetest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Based on my knowledge, we notice alot of violations in regards to my loan and Who owns my loan to pay off a alleged debt with the previous servicer, who is now under investigation ( XXXX XXXX XXXX ) and not license in Maryland under the MD Commissioner Finance office. to collect a debt from a third party. later discover the alleged loan was transfer to XXXX XXXX XXXX. I ven sent off the dispute letters to send to the servicer/ third party debt collector. my payment was returned. and later applied for modification which clearly was denied numberous times under hardship circumstances. I would like to entire loan to investigated due to preditory lending, truth n lending, Respa.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.

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 11/19/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do not owe XXXX made arguments that didnt matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On Tuesday I closed my card due to fraud. The told me I would have a new card expedited since I was leaving town. And it would be there by Thursday. Gave the address to ship to they did n't change it. Called XXXX to confirm everything was done and it was n't. They changed it said I would get it Thurs and nothing. Calles Thursday said it would be there Friday. Friday morning they say nothing had been shipped and then a different person said it had. Now it 's XXXX on Friday nigjt and nothing. No tracking number no nothing. Cadence bank fraud department is a fraud themselves. Never use them And someone needs to do something about their communication issues and the liea they tell their customers. They claim they will do whatever for the customer but they are all full of shit. This was the entire week of XXXX XXXX.
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They claim now they will ship one to the beach and a new card has to be made ans I wo n't get it until weds. So now this issue will be going on a week.
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I will be canceling my card and tell the whole world including all the senators and politicians I have done business with never to use the services.

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 10/26/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was approved for a BestBuy storecard and my card was compromised when my identity was stolen. I submitted a fraud claim for the charges on my BestBuy card and according to BestBuy they have completed the fraud claim but I have not received a replacement card. It has been several months since they have completed the fraud claim but as of today I still was not issued a replacement card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: A recent adjustment was made on my account and Bank of America removed {$.00} from my account that I had overpaid on my statement. Contacted customer service and was told a check was mailed to the address of record on XXXX XXXX, 2017.  Informed the representative that I had not received the check. He informed me he would do a stop payment on the check and they would reissue. Asked him to supply me with the check number and date of the check to prove to me that a check was issued. He said he could not provide me with that information. He nor his supervisor could not explain why Bank of America did the adjustment or where the funds went. This adjustment has happened to me in the past and I was told this was a system error and the problem was corrected. If the problem was corrected why did the adjustment happen again.?

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 01/21/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: Sought balance to applicable and prevailing interes on various deposits and its brought to current from trend in pay breach on interes balances in this sector XXXX to XXXX XXXX Card to XXXX to XXXX to BOA

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avantus, LLC (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Dear CFPB, My XXXX credit report showed that there was a hard credit inquiries on XX/XX/2018. However, I did not authorize any company to hard pull my credit in the last few month. 

The detailed information of this company is : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Thanks for helping me to resolve the issue. 

Best.

Company response to consumer: Closed with explanation