milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.

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 11/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free report. I entered all my information & received the message that they were unable to provide my report online

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 07-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: A proposed modification agreement offered is not acceptable to us as terms and conditions are not in accordance with the government 's guidelines and parameters in modifying loans. Clauses and terms are vaque and entail more financial troubles forus in the future. Proposal offered was retroactively dated 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX / XXXX / 2017  over {$200.00} taken in fees due to the order that the bank posted deposits last.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been writing the XXXX credit agencies to remove the theft off my credit report i even hired attorneys to have incorrect moved and it stills remains which is effecting my credit score and effecting me from getting anything in my name which is effecting my life and my children life. I have file many complains for frauds on my account and still not actions have been made which is getting out of control. I also have things on my report that is pass 7 years old which should have been deleted and things thats not even mines. I filed dispute after dispute and even ask if they can investigate still nothing have happen. half of the addresses on my report i never even lived at. I have several accounts with XXXX, wi XXXX XXXX XXXX which is not mines. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX which is not mines. I will like someone to investigate to see is using my name and ss XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Consumer Loan (Vehicle loan) with Skopos Financial, LLC (MO).
Issue: Problems when you are unable to pay

Complaint: I have repeatedly asked Skopos financial Not to call me or my references. They have ignored 3 documented requests to ceases and desist all phone calls. Guilty of several violations they have agreed to defer payments to passify me and avoid lawsuits! They continue to take advantage of a loop hole in Missouri law! This is causing me to have health issues because of the XXXX and embarrassment I am suffering because of their inconsiderable acts! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never once held a cell account or phone with XXXX. I do not know what the debt is for with XXXX and noone tells me why they keep reporting it. Again my service was never with XXXX My business line is the only XXXX i have and that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/2017 I was approved by Comenity Capitol Bank for an initial credit line of {$1700.00}. with PayPal Credit which included no interest or payments for six months. I have made XXXX transaction on this account, but am know being block by PayPal security. I have contacted them more than four times which they have continued to be unresponsive to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Synchrony continuing to bill me for a fraudulent charge which I disputed. I explained that neither had I ordered or received merchandise amounting to the {$350.00} but had only purchased and paid for XXXX trial items totaling {$9.00} which were unsatisfactory and which the company had failed to allow me to return.

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 05-05-2017 about Debt collection (Other debt) with Enhanced Acquisitions, LLC (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: MY ENTIRE FAMILY HAS HAD PROBLEMS WITH  XXXX  CALLING CELL PHONE.   JUST RECENTLY CALLED MY CELL 6 TIMES IN 1 DAY AFTER TELLING TO STOP AND THEN SENT LETTERS SEE ATTACHED.

Company response to consumer: Untimely response
Consumer complaint received 01/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MEDCAH, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My paychecks are being garnished without notification. I found out that MEDCAH, Inc.Served and Shared information with a 3rd party. A party I have no relationship or ties to. They continued through court, the courts Defaulted against me, and granted my checks be garnished. The 3rd party was Served at an address I 've Never resided. The person that received the complaint ( XXXX XXXX ) also refused to sign off on the return of service.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX I am writing to report gross neglect in regards to This Short Sale. I commenced the Short Sale XXXX/XXXX/2014. I had spent many many months gathering information for the bank and all parties in the transaction had compiled with all of the banks requests. Wells Fargo have been slow to respond, they request the same paperwork stating did not receive. XXXX XXXX was the assigned rep several months ago and now states the file is gone to another dept. Yet again more delays and no resolution. While is shorts status the lender is proceeding with a foreclosure. With XXXX buyers it is my belief that wells fargo are intentionally trying to foreclose this property. We Have a current buyer in place and yet again Wells Fargo are not responding. 

Your Help would be greatly appreciated Thank you 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the large % of American Citizens that 'may have been impacted ' by Equifax 147m person data breach.
This is a massive dereliction of responsibility ( legally and professionally ) to encrypt, protect, and secure PII data for over half of the population of the US. Additionally, their response has been comically limited to offering me a limited time offer of 'free ' identity theft monitoring services for 1 year. This is ridiculous on 2 fronts : 1 ) It 's only 1 year and they 've publicly offering it. Identity Theft attackers will just sit on this data for 1 year before leveraging it in anticipation. It 's a band-aid on a bullet wound 2 ) It becomes a paid product after 12 months. I am essentially opting in to being actively marketed and sold to because of their incompetence. My choice to not purchase this product has been removed because of their incompetence.
There are multiple ways I can defend myself without their shoddy marketing efforts, including putting a 90 day initial fraud alert on my account, requesting and disputing my credit report, and offering FREE credit/security freezing set up for their Bureau. The fact they do n't highlight any of these solutions and how they may protect me is laughable.
When faced with a major data breach, they punt on providing actionable advice to consumers and instead use it as a marketing opportunity. It 's disingenuous, thoughtless, and borderline criminal to sell their snake-oil in the face of a major Identity Theft breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. 
Contacted them and they have refuse to correct this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase Business Card Services contacted me in early XXXX saying they needed to verify my company 's legal status. According to them, I could do this by submitting either my social security number, my companies ' FEIN, or resale number. I believe there was a XX/XX/XXXX deadline to provide this information, or else my account would be closed. 

I called Chase in late XXXX / early XXXX and spoke to a customer relations person. I gave that person my company FEIN, and was told that ( for some reason unknown to me ) they were not able to verify the information I gave them. The person then asked me to fax them documentation that included my company FEIN, such as a tax return or a business license, which included my company resale number. I did so on XX/XX/XXXX by faxing them my company business license, which included my company resale number AND my company FEIN. I have proof of sending this fax. 

So, I submitted the information they requested WITHIN their time deadline. 

I received a letter from Chase dated XX/XX/XXXXsaying thank you for submitting the documents they requested, but that the information was not complete and my account will remain closed ( it should not have closed in the first place ). 

I want my account re-opened. NOt only does my company need access to credit, there is now information in my companies credit profile that states credit has been taken away by Chase, which ofcourse is detrimental to my company. I have been current in all my credit accounts, personal and business, including the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I was attending XXXX XXXX I enrolled XX/XX/2016 with an expected graduation date of XX/XX/2016, the school closed on XX/XX/2016 and was bought by XXXX University, Neither school is accredited like they previously stated, the credits are not transferable, they had students take out loans under false pretenses, I stopped attending and logging in when the school closed, they sent me an e-mail stating that i was terminated from the program for non participating then a few weeks later they sent an e-mail asking me to name their school on my student aide paperwork so they can continue receiving money. I have attached the e-mails they sent. I feel i should not be held liable for the total loan balance i took out seeing how the school lied about being accredited, the credits are not transferable and the school closed before program completion. XXXX has also been reporting false information to the department of education such as student status and attendance

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Payday loan () with Rosebud Economic Development Corporation (MD).
Issue: Can't contact lender

Complaint: I have 2 means of contacting this lender : " Rosebud Lending BHL d/b/a First Pay Loans '' via : Telephone : ( XXXX ) and Email : XXXX. 
When I contact via phone, the call does 3 rings then drops. When I contact via email, no response. When I look on my bank statement, the company does not have a phone number, but goes by the name " XXXX ''. There is no other means of contact.

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 11/21/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XX/XX/XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Account opening, closing, or management

Complaint: I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I am writing this complain in regards to claim Wells Fargo 's promotion credit. As per Wells Fargo 's previous Promotion in  XXXX  2017, customers who open an Everyday Checking that can meet the designated requirements will receive a {$250.00} bonus credit within 45 days of the requirements being met.
 XXXX 
I opened my Everyday Checking account online on   XXXX   XXXX  , 2017, and immediately received an email from Wells Fargo confirmed that my new account was eligible to receive a bonus offer. I have credited {$250.00} to my new Wells Fargo Everyday Checking account at opening, and made over 10 debit card purchases within the first 60 days ( Please refer the attached ). In addition, I have also contacted Wells Fargo Customer Service Representative by phone for the same issue for many times, even though they all confirmed that I have met the requirements to receive the {$250.00} bonus credit, but they NEVER credited me. It 's been almost 4 months since I opened the account at Wells Fargo, I 'd like to report this issue, and make Consumer Financial Protection Bureau aware of this fraudulent offer from Wells Fargo. Thank you.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade  Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XX/XX/XXXX and payment was due on the account in XX/XX/XXXX. Payment was made on XX/XX/XXXX for XX/XX/XXXX 's payment due. Student loan company, XXXX, processed the payment and applied it to my account. A few weeks later I was noticed via Transunion credit monitoring that my account with XXXX had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. XXXX did not correct the issue. Furthermore, I have attempted to call XXXX on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

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 Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice from ResidentCollect, Inc., in the amount of of {$380.00} in XXXX of XXXX. I sent a money order in the amount of {$380.00} soon after receiving the letter to pay the debt. In XXXX of XXXX I tried to obtain a mortgage loan from XXXX XXXX and got pre-approved but the collection debt is showing on my credit report, and the bank said the loan is not going to be released until the derogatory mark gets removed from my credit report. That same month a requested a copy of the cashed money order from XXXX XXXX and I received the proof that the money order was cashed 30 days later, and I sent it to ResidentCollect. I called them a couple of days later to follow up on the issue, and they said they did n't receive the proof of payment. I have tried several times to work with ResidentCollect to resolve the issue, but it seems like they are unwilling to do it. I 'm frustrated because they have my money and they are damaging my credit. Someone needs to stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Other fee

Complaint: -- Price gauging with foreign transaction fees at Bank of America BankAmericard credit card -- I was charged a foreign transaction fee in the amount of 3 % of the transaction value for the purchase of a rental car at XXXX, which I charged to my BankAmeric

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief