milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I searched for and purchased an XXXX XXXX XXXX from XXXX He used XXXX dor his business host, and Pay Pal to defraud me. <P/>The price was {$190.00}, and a supposed promotion for the grand opening of his new online store. <P/>I received a confirmation of order and a request to pay. Because the company was in XXXX, I chose to use Pay Pal as they are ALLEGEDLY more secure and you have fraud protection. The seller sent me an email with the email to use for the Pay Pail payment, and I did. <P/>The product was updated to " awaiting shipment, '' but was never shipped. NOW the business page is down, XXXX XXXX has been useless, and Pay Pal even more so. <P/>I have TRIED to file complaints and Disputes, but have had no luck with either. <P/>The seller used two emails. One was XXXX and the other was XXXX His web page was XXXX Neither XXXX nor PayPal will provide me with any more information with which to track down the seller. <P/>The funds came from funds held in my PayPal account. <P/>I have saved all correspondence from the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The afternoon of XX/XX/XXXX I received a call from a debt collector saying they where collecting a XXXX XXXX acct from XX/XX/XXXX the girl on the phone said the acct was reporting on my credit report on and it was n't she did n't inform me that she was a debt collector and that she was attempting to collect a debt then the girl stopped talking then her supervisor can on the line and said that the girl was new and it was OK then he said the acct was n't on my XXXX and said that she was looking right at it and when I told her it it is not on XXXX she stopped talking and her supervisor came on the phone and said the girl was new reporting then said this was n't a reporting issue I let him know it was because she mislead me to think it was on my credit report so she could try to scare me into paying on this acct then His manager came on the line and said he was going to hang up on me because I was n't being professional then he put me on mute to wait for me to hang up came back to the line and was tell me to pay the acct when I started talking about how his company did n't follow the fdcpa he said he was ending the call. The company on XXXX in XXXX nc and the caller I 'd said va.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with Citi Management Group, LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I and my mother have been getting calls from a man at  XXXX . He says his name is Mr  XXXX  and he left a number  XXXX  ext  XXXX . He is saying I owe a debt but will not say to who. He is very loud and angry and even said " you are  XXXX   years    old.  You are too old for this. '' He called my work phone twice today and asked to speak to my supervisor.

Company response to consumer: Untimely response
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Berman & Rabin, P.A. (SD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Have n't had a single phone call from this company in nine years. No letters no nothing. Found out a judgment was against me from nine years ago. Called to try to see what the judgement was for and why I have n't heard anything from them. The reresenative XXXX or XXXX was extremely rude would not work with me at all. XXXX talked over me would n't explain things. Was acting in a misleading manner. I tried to give auth for a third party authorization to speak and get information to help with this debt he was rude to her and hung up on her when she asked to speak with someone above him.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At XXXX point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

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 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PINNACLE RECOVERY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent the payment, but the collector continued to call and harass me. He was extremely rude and tried to pressure me into paying exhorbitant collection fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I deposited {$1200.00} ( {$1000.00} check and XXXX in cash ) at a JP Morgan Chase ATM on XXXX XXXX in XXXX, OH on XXXX XXXX 2017. The ATM malfunctioned during the deposit and took the cash and check, but was unable to process the transaction. I called Chase on the next business day to try and resolve the situation, they credited me for the transaction and said they would look into it. On XXXX XXXX, they removed the credit without any explanation. I called and was told there was no sign of the cash and check and now they are saying they can not do anything about it. They essentially stole money that I entrusted with them from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This is the second complaint that I 'm filing about ECSI, the loan service provider for my Perkins Loans. I have to reapply every 6 months for financial hardship/forbearance, since my student loan debt burden is in excess of {$300000.00}. My Stafford loans are under an income based repayment plan, with a fixed amount due each month. The Perkins loans, however, have to be dealt with separately. Every 6 months I resubmit my financial information, asking for a forbearance or partial forbearance. Every time they email back, telling me that I missed something, knowing full well that I included everything they needed. Then, I have to resubmit all of my paperwork, and usually have to spend several minutes on the phone following up with the paperwork every week, until finally I get it approved. As usual, I recently mailed all of my paperwork for a partial forbearance request, and received an email stating ( erroneously ) that they did n't receive all of the paperwork. Recently, I obtained someone 's email address, who told me to scan my documents and email them to him, and he would process my forbearance request immediately. I also did this, and have n't heard anything back. 
I have done everything that I can to apply for a partial forbearance, using both mail and email as well as addressing it to a specific person who told me that he would help me. All of these efforts have resulted in nothing, and all that I want is my partial forbearance request to be applied. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On   XXXX   XXXX  , 2017, I went to the   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  branch of Citizens Bank of Pennsylvania ( hereafter, Citizens Bank ) and opened a Clearly Better Business checking account. I worked with a bank representative to open this account. During this process, I explained to the representative that I did not want overdraft protection. I understood that Citizens Bank could charge fees for paying my overdraft charges, and I did not want to pay these fees. I was told by the representative that my account would be configured such that overdraft charges were not paid, and therefore no fees would accrue.
On  XXXX / XXXX /2017, Citizens Bank paid a charge to my account that resulted in an overdraft fee of {$39.00}. Subsequently, on  XXXX / XXXX /2017,  XXXX / XXXX /2017 and  XXXX / XXXX /2017, Citizens Bank charged Sustained Overdraft Fees of {$30.00} each, for a total of {$120.00} in fees following a single overdraft event. I can provide screenshots of my Citizens Bank online account homepage to substantiate this.
My complaints are as follows : 1 ) Citizens Bank intentionally misled me during the opening of this account. I was told no overdraft service would be provided, and no corresponding fees would be charged. This was false.
2 ) Regardless of whether Citizens Bank agrees with # 1, above, Citizens Bank violated its own terms when charging Sustained Overdraft Fees. On page 9 of the Business Deposit Accounts Fees and Features document provided to me when I opened my account, under the Sustained Overdraft Fee heading, the document states, If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn up to a total of {$69.00}. The Sustained Overdraft Fees that Citizens Bank actually charged are not calculated in this way ( the {$6.00} fees that Citizens Bank claimed it would charge can never multiply evenly into the {$30.00} fees that Citizens Bank actually charged ). Further, Citizens Bank has thus far charged a total of {$90.00} in Sustained Overdraft Fees for a single overdraft event, far exceeding the stated cap of {$69.00}. Citizens Bank has therefore violated the terms governing my account, as stated in the document that Citizens Bank itself provided to me at the time I agreed to open the account, in an intentional effort to defraud me out of additional monies.
3 ) Citizens Bank did not inform me via USPS mail or email that an overdraft had occurred, or that Sustained Overdraft Fees were accruing. I only realized this because I logged into the Citizens Bank website for an unrelated purpose. Citizens Bank intentionally did not notify me of an overdraft in an attempt to maximize the time until I could resolve the overdraft during which time the bank could continue to accrue fees for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (KY).
Issue: Credit determination

Complaint: Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Armcon Corp (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in    2001  I had asked for repairs to be done in the apartment I was renting, after numerous attempts of asking and nothing being done I held back part of the rent to do the repairs myself. I received a eviction notice which I responded to and went to court I won the verdict because they had deposited the rest if the rent then I received court papers stating they were garnishing wages in the amount of  XXXX  for damages which there were no damages now after 15 year s Coachella valley  collections and attorney  XXXX   XXXX  filed again and now garnishing my wages in the amount of  XXXX  which they have no right to

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is a follow up to a previous complaint that the company responded to. There explanation was not relevant to my concern. The previous CFP B Case Number i s  XXXX .     I am sending documents which further describe my complaint.       NOTE : THE TIMING OF THE EVENTS THAT ARE ATTACHED ARE PREDICATED ON CALLING THE BANK TO HAVE MY FUNDS APPLIED TO MY ACCOUNT. WITH MY INTERVENTION, IN 11 DAYS THE POSTING WAS COMPLETED. IT IS MY UNDERSTANDING THAT IT WOULD HAVE TAKEN 14 DAYS TO POST IF I HAD NOT CALLED AND REQUESTED THE PAYMENT BE POSTED.

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 10-08-2016 about Debt collection (Medical) with Walwick, Inc (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is the letter I sent describing my situation : I recently received a letter from " Merchants Credit Association '' saying that XXXX of my bills from XXXX XXXX XXXX XXXX went to collections. I never received these bills and they were never paid for by my insurance company. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item, : Account : XXXX Date : XXXX/XXXX/XXXX Payments : {$420.00} Account : XXXX Date : XXXX/XXXX/XXXX Amount : {$53.00} After digging around all day and speaking with someone from the XXXX XXXX XXXX billing department, I am still unaware of what the bills were for, as the billing person I spoke to ( XXXX ) had no information on the bills sent to collections and had little help to offer me. She basically told me that she could not help me. After speaking to her for some time, it was determined that the billing address you had on file for me at that time was the following : XXXX XXXX XXXX XXXX, WA XXXX, However, my mailing address has been the following since XXXX ( which can be seen in my attached credit report and Alaska XXXX reports since XXXX ) : XXXX XXXX XXXX XXXX, AK XXXX In addition, my insurance only had XXXX claim from XXXX XXXX XXXX from XXXX XXXX, dated XXXX/XXXX/XXXX. A copy of this claim is attached. As it turns out, the billing company not only had my incorrect billing address, but they also had my incorrect insurance information, none of which I knew about until yesterday when I opened my letter from Merchants Credit Association ( account number : XXXX ). 

I am requesting that the items be removed from my credit report ( which will also be contested to the Federal Credit Bureau ), correct the information, and rebilled to the correct insurance company ( XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, PayorID XXXX ). I more than anything want this to be paid, but will not do so until I have the written assurance it will be removed from my credit report, as this was at the fault of the XXXX XXXX XXXX XXXX billing department and not mine. I have also filed a claim with the XXXX, which will be resolved once I have in writing that this has been taken care of. I am also requesting a detailed report of the services associated with the above dates.

Company response to consumer: Untimely response
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Please read the letter from my Attorney which I have attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: My bank USAA accepted and paid a check on XX/XX/XXXX even though the check had been post dated to XX/XX/XXXX The result was XXXX checks being returned for insufficient funds and XXXX {$29.00} NSF fees. I called the bank and told them of their error to accept a post dated check a day early but they would not refund the fees. When I asked to speak to a supervisor I was put on hold and then disconnected. They did not call me back even though they have my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted this company called AllianceOne to attempt to settle my debt that I was unaware of until I pulled my credit for a potential employer. I now regret not getting the name of the people I spoke with in regards to this debt. When I first contacted the company they told me they had no knowledge of my debt and put me on hold to search there database. After a few minutes of being on hold they came to the line to tell me I had a {$1200.00} debt and that if I pay them that day, they could drop it to {$800.00}. I told them I would prefer they send me this in writing via mail before I make such a big payment to a company I 've never received anything from or heard of. The male I spoke to, stated I would receive something in the mail within the next few days. I waited a few weeks and never received anything, so I called the company back, to be told I would now have to pay {$900.00} to settle the date. I explained to the young lady that I had called recently and they was suppose to send me something in the mail, but I never got anything. So she said she would send me something and I can call them back once I receive the letter to start making payments. Once again, I never received anything, at this point I am fed up, so I call the original company that I owe which is XXXX, they apologized for the inconvenience but said I would have to go through this company to pay the debt, so they transferred me back to AllianceOne. This time, I asked to speak to a supervisor. When the supervisor got on the phone, she never asked me what I was calling for, she just automatically started to speak saying I NOW owe a XXXX $ to settle my debt. She said that every time I call back they up the price. I explained to her that I have called numerous times in the attempt to receive something in writing from their company and that I would not make such a big payment over the phone to a company that I have no knowledge of. She began to become very rude, saying that their company does not work like that and they would not be sending me anything and that I would have to make a payment today or the debt would remain on my credit. I told her I was never told that, the company I worked with previously sent me info with no problem so what makes their company any different. I then asked to speak to someone above her, she nastily said I would have to call back because the person above her is n't in.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Payoff process

Complaint: I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried for over 6 months to obtain a free copy of my credit report. Trans Union has refused to send me a copy. <P/>I ordered a copy and have not received it to this day.

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 06-08-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Freedom Mortgage corporation that was purchased from XXXX XXXX XXXX. During this time they have increased my payment by {$1000.00} a month that I am not longer able to afford. They says it was due to a shortage in taxes. I have documentation where all taxes were paid and they are paid in full. They will not lower my mortgage payment back to the original amount. I can no longer afford no qualify for this loan amount and I have done nothing wrong.

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