milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it 's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
1. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Without my permission or agreement, Citibank opened a credit card in my name, posted {$12000.00} in charges, is charging me interest and late fees for not paying, is reporting this to credit reporting agencies, and refuses to reverse the above. I never agreed to the credit card and I have never used it. I have repeatedly advised Citibank of this and requested all be rescinded, but they refuse. The latest refusal was by XXXX XXXX, Executive Response Unit, Office of the President of Citibank at 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 03/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I checked my personal credit report, which I got from Experian on XXXX XXXX, XXXX and I noticed that there are inquiries that I did not authorize. One of the unauthorized inquiries was made on XXXX XXXX, XXXX by a company called XXXX with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never contacted nor asked this company for anything and I dont even know how so many inquiries are being reported when I never even applied for anything from these companies.

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 08/28/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received emails from XXXX XXXX ( XXXXXXXXXXXX ) re : a debt owed. They state I owe money for a loan that fell delinquent. 

When I asked them to provide me documentation of my original loan, balance due, payment history and how they acquired my " bad debt '', they responded that my paperwork had been " seized ''. If I do not pay them now, my file will go to court and that is when I can view the documents. I asked why are the contacting me if my file has been " seized ''. They could not answer the question, only told me to pay today to clear the matter. 

I copied all emails. The collectors are a company I never directly dealt with. Their information is : XXXX XXXXACE Cash Services ( XXXX ) XXXX

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 08/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Almost a month ago my account went negative and I was immediately assessed fees. Before I could get back on my feet and cover any of the charges, the bank continued to allow charges to go through and while doing so assessed fees each time. I have been charged over XXXX fees adding up to more than XXXX dollars. I had a XXXX account with them and they took the money I had out of that account to cover the balance without any warning causing my other account to become negative. They XXXX charged XXXX fees to that account as well. I have not been able to catch up and they took all the money that I did have, so now I am unable to do anything at this moment. I can not even pay my rent. The XXXX time I called about the fees, they refused to help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: CFPB requested questionable but additional information on XXXX. I provided what I could by fax. The document is not showing any signs of upload or attachment. THis is the twenty first time since XX/XX/2012 such kind of bias had happened. It always followed a pattern. When ever I contacted other bad agencies like FTC or especially the XXXX XXXX or some anxious ombudsman representatives, the documents would be concealed or misused by breach. Would that be the reason why America chose to investigate the sitting president and/or bad guys for robbery scandal?

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTOR IGNORED CEASE AND DESIST AND KEPT CALLING AND COLLECTING ON A DEBT UNDER GLOBAL REC. SOLUTIONS AND WENT ON MY CREDIT REPORT TWICE W/O VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, SLS ( Specialized Loan Servicing LLC ) became my mortgage loan servicing company. They sent out an information letter concerning the PMI ( Private Mortgage Insurance ) that was required by my loan. The document contained the steps necessary to have PMI deleted from my loan. I was in compliance with all the necessary steps that the SLS/Mortgage Company has requested and on XX/XX/XXXX I sent a written request to have my PMI deleted. To date, I have yet to receive any written answers to this request. On XX/XX/XXXX I called SLS and had a phone conversation with several representatives of SLS, including a Executive Service Representative, who indicated that my request had been denied. I requested a written response that stated this denial decision and why but have yet to receive an answer. During that phone conversation, I also requested a copy of the Mortgage companies PMI deletion requirements. I followed up this verbal request with a written request on XX/XX/XXXX To date I have not received any of the above requested information. On XX/XX/XXXX, I again sent a letter requesting PMI deletion and included a copy of the appraisal I had done for this property, which clearly shows my LTV ( loan to value ) under 70 %. The only written correspondence I have from SLS is a form letter telling me that my request in under review. The letter was dated XX/XX/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 06/30/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint. 

TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ). 

The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan. 

To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over. 

I am attaching all correspondence between myself and TFS. 

I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect. 

Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: Wells Fargo deposited and cashed a XXXX party check without having the required XXXX signatures. Outcome to XXXX XXXX, 2016 letter from Wells Fargo Original compliant XXXX. 
XXXX XXXX, 2016 Subject : original CFPB XXXX XXXX XXXX XXXX since your last correspondence date XXXX XXXX, 2016, I have followed up with XXXX regarding the breach check on XXXX XXXX, 2016. As of XXXX XXXX, 2016 XXXX informed me that Wells Fargo has requested additional documents, I have included Citibank 's correspondence. A S Home Improvement is Wells Fargo client. I have not had any contact with A S Home Improvement since Wells Fargo deposited and cashed the check without the required signature from A S Home Improvement on the XXXX party check. This account and video has been subpoena by XXXX. Contact XXXX XXXX XXXX regarding the police report and warrant. 
Although you have stated Wells Fargo corresponds directly with XXXX, XXXX suggest that I correspond with Wells Fargo. It appears to become a XXXX game that I can not entertain. Wells Fargo gave the funds away without following Banking Regulations. I am the victim of this crime. The request for me to get an affidavit from your client, who has vanished, is absurd. Wells Fargo is liable because banking protocol was not followed. Therefore, the breach check needs to be replaced in full and sent to XXXX. More than enough time has passed to resolve this issue. 

CC : CFPB

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 09-12-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: Started the short sale process on XXXX/XXXX/XXXX and sent to the bank on XXXX/XXXX/XXXX XXXX Bank confirmed package and broker price opinion was requested by bank on XXXX/XXXX/XXXX, XXXX Broker price opinion was completed today XXXX Bank asked for the agent to do another broker price opinion this was completed and sent in on XXXX XXXX XXXX bank stated they now want the buyer or seller to pay for and order an appraisal at the cost of {$400.00} I was also informed that the first Broker price opinion came in at XXXX, the next Broker price opinion came in at XXXX, I also sent in 6 comparables to the bank. XXXX XXXX seller agreed to pay for an order a licensed appraisal to dispute the first broker price opinion that has no license. 
XXXX The appraisal came in at $ XXXX, the offer amount is for $ XXXX XXXX/XXXX/XXXX Bank stated they would consider an offer at XXXX Leaving the seller no resource except to have to go through the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: This complaint stems from a dispute to a charge on my PayPal account. The primary reason use PayPal is for the protections I thought they provided. That and until very recently had no choice when using ebay although I still chose to use PayPal for the protection. I found myself in a bad situation where a seller on ebay sent a defective item and in the end, PayPal refused to provide the protection that they are compensated for. Processing companies make insane money for what are mostly automated transactions. They earn their money when consumers need protection and that includes against unreasonable policies where in this case, it ended up being PayPal 's policies and inability to apply common sense to the situation. After spending {$130.00} on the water heater which was defective upon arrival, the seller and PayPal found it reasonable that I would then be required to spend {$90.00} in return shipping since the seller was out of the country but yet chose to do biz in the US and knowingly is offering products where such issues will be inevitable from time to time ( no manufacturing process is perfect ). This is the perfect situation where consumers need the protection that a processing company should provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: My wife and I needed a vehicle but due to our financial situation we had to get our loan through Regional Acceptance Corp based at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a subsidiary of BB & T banks. We paid the amount of the loan {$440.00} every month, but due to other financial situation we ended up having to declare bankruptcy. We decided to keep the vehicle as the asset we could retain, in lieu of the house, as per the bankruptcy proceedings. Our lawyer stated that we could delay payments on the vehicle, But I Repeat, we did not delay or defer any payments to XXXX XXXX prior to, during or after the bankruptcy proceedings. XXXX XXXX however locked us out of our account on the internet and informed us that we now had to send the payment to XXXX Bankruptcy Dept. XXXX XXXX XXXX XXXX XXXX XXXX which we did each and every month. We have not received a statement from XXXX XXXX XXXX for over 48 + months. We have sent to them along with our payment check our new address and our new phone numbers when we moved from XXXX to XXXX, but we still have n't received a statement. We inquired about this several times and still received no answer about this, we did receive a phone call from a person named " XXXX '' from their bankruptcy dept. that we could not refinace the vehicle loan but that our payment would not have any late fees attached if they received the payment at or before the XXXX of each month. 
Our loan was for six years and should have ended in either XX/XX/XXXX or XX/XX/2016. It is now XX/XX/XXXX, we have not received the title to the vehicle or a statement. 
Are we suppose to pay for this vehicle for eternity or what?

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 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This item for a collection from XXXX DBA XXXX And Omega RMS is inaccurate and fraudulent because the original contract was dated XXXX XXXX, XXXX, not XXXX XXXX, XXXX. ( See attached ) Therefore the recent collections effort is outside the Colorado Statute of limitations of 3 years. ( See Attached ) Also, upon trying to contact XXXX XXXX XXXX at the phone number listed online, it is disconnected. ( See Attached ) XXXX XXXX XXXX also never fulfilled any part of its contractual aggreement to connect or set up a date of any kind. Back in XXXX of XXXX I called the office multiple times requesting a refund due to lack of performance on their part. My calls were never returned and soon after the phone number was disconnected. I assumed I was simply a part of a scam and there was nothing I could do to get my money back. After doing research as to the corporation listed on the original contract names " XXXX XXXX '' I found that this company has forfeited existence with the secretary of state and has been inactive since XXXX XXXX, XXXX. ( See attached ). I am requesting that the item be removed from my credit report due to the fraudulence and lack of existence and lack of performance of the company trying to collect monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: CHASE took over servicing my mortgage loan from XXXX in XXXX 2015. I originally set up the drafting of my payment for the XXXX of the month when I refinanced with XXXX, authorized by me on XXXX of XXXX 's loan closing papers. There were no problems with XXXX servicing of my loan. When CHASE took over in XXXX 2015, it drafted my payment on the XXXX of XXXX and XXXX ; and, according to CHASE, this was done based on XXXX records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at XXXX account record of drafts. I believe that XXXX is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the XXXX or thereafter, it would draft it on the XXXX of the month - which would not be get to my bank to be deducted until no earlier than the XXXX. CHASE is not a " secondary bank '' and when it drafts the funds on the XXXX ; it is taken from my account on the XXXX, same day. This is significant because my pension hits on the XXXX of every month ; and, the funds to make the mortgage payment are not in my account until then - so it bounced the last two months. CHASE admitted it is not looking at the document ( actual or copy ) that I executed ; only XXXX account history. I have spent many hours on the phone with CHASE and XXXX XXXX ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in XXXX and XXXX ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from XXXX. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and XXXX XXXX have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than XXXX people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; XXXX and CHASE did and I am paying the price. Please help! 
P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing XXXX mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Credit card) with Evans Law Associates, P.C. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company Evans Law associates continues calling me and multiple family members and work places about a very old debt that has been worked out. I do not know where they are getting these numbers but it is interrupting businesses and people who have nothing to do with it. They are telling family members about it which is illegal.

Company response to consumer: Untimely response