milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Scam Committed by PayPal I feel I was wrongly signed into PayPal 's Credit Service. This seems to be a delayed payment for 6 months I scammed into, when I could 've easily paid the entire {$150.00} transaction on XXXX XXXX, XXXX, paid through my debit card. That 's exactly what I thought, that I was paying through my debit card. Today, a male from PayPal collections called me, stating that I currently owe {$180.00} for non-payment. He said they 've been sending me correspondence on this. I did finally find ONE email, stating that payment was due. However, I felt I did n't need to read ANY of today 's many emails from PayPal, which were pretty much advertisements - I thought the transaction AND payment had been completed through my debit card last year. While I was talking, the collector tried to interrupt me several times, but I continued talking anyway, refusing to acknowledge his " collector '' tactics. I finally told him I 'd investigate my bank account and call them back. 

I called my bank ( XXXX XXXX, XXXX ), and sure enough, NO payment of {$150.00} was paid through my account on XXXX XXXX, XXXX. 

I called PayPal Collections ( XXXX ) back on XXXX XXXX, XXXX XXXX PST and spoke to a XXXX. I told her the same thing, that I was wrongly signed into PayPal credit. I told her that I only wish to pay her the {$150.00} transaction. She said, " We 're Collections, and I can give you a REDUCED late fee. '' I replied, " I never signed up for PayPal Credit. I 'd like to file a complaint with Consumer Financial Protection. '' She asked, " Do you want their address so you can write them? '' I replied, " No, I can file the complaint online. '' After that, the call went silent. I believe she put me on hold or mute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was paying XXXX payment towards my school ( XXXX XXXX XXXX ) loans for a couple of months, then I rec 'd XXXX different letters with XXXX different addresses from Navient stating that I was late on them. This was a shock bc I was paying a little more than the minimum payments. Then come to find out my payments were only going to XXXX loan and not being applied to all my loans ; therefore I was late. Then I made XXXX big payment in hopes to be up to date, but then was notified I was late again bc the loan dates are different on my loans. Then I come to find out that XXXX loan payment is different and is not part of Navient but should be paid directly to the school. It has been most frustrating bc I am being told that I am always late and my minimum payment has ballooned up to $ XXXX/mos for Navient alone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is a credit inquiry from XXXX XXXX that was processed and affected my credit. The inquiry was for prescreening only and would not impact my score. I never authorized any inquiry that would impact my credit score.

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 09-10-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with Bank of American to either get a modification for my XXXX and XXXX or to refinance them. Over the course of many months, I have tried every XXXX of the Home Loan Assistance they offer with denials because I either have XXXX high of a debt to income ratio or because I make too much money to qualify. That in itself does not make sense because they seem to contradict each other but that is besides the point. I have not missed a payment in the almost XXXX years I have had the loan and am struggling to continue with this record. About XXXX months ago my XXXX mortgage reset to a 4.00 % increasing my payment by about {$700.00} a month. I was working with them before this and they kept denying my applications. Now the XXXX mortgage is going to reset and raise the monthly payment another {$600.00}. I can not keep up with the increased costs. All I want is to refinance into a 30 year conventional loan to keep my payments affordable but they say I do n't qualify because of the 80 % loan rule. I owe about {$390000.00} ( that is including both the XXXX and the XXXX ) and the house is valued at about {$450000.00}. Because there is not enough equity they refuse to help. I do n't understand their reasoning because if I have been able to make the current payments how I would not be able to make the lower payments if I could refinance. I am not asking them to give away money, I just want to refinance to be able to keep my home and be able to pay back the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Taking out the loan or lease

Complaint: My social security number was stolen from me to open an account with Security Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted Transunion numerous times concerning the omission of my credit card issued by XXXX XXXX XXXX not being reported. Transunion has not done anything to resolve this issue besides stonewall me and my credit card issuing company. XXXX and XXXX both report this credit card on my credit report and has done so for the last 25 years.

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 06-05-2015 about Debt collection (I do not know) with Blitt and Gaines, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax is reporting the wrong date of birth on my credit report. Despite having the necessary documentation to fix this mistake, Equifax has refused to correct this error. I sent disputes with a copy of my driver 's license on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX XXXX, I even went ahead and filed a complaint because Equifax was not processing my dispute correctly. This was the response I received to my complaint : " Equifax has reviewed the complaint and its records. We show that you have not recently contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. '' I received this last response from Equifax on XX/XX/XXXX. It is now XXXX XXXX and Equifax STILL has not fixed the wrong date of birth on my credit report. They are reporting that I was born in " XX/XX/XXXX''. This is not true. I was born on XX/XX/XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. If Equifax handles fixing a simple piece of information on my credit report so badly, I can only imagine what other consumers are going through with Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (I do not know) with Colony Brands, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got behind these payments because my husband suffered a XXXX and lost my source of income. I had to quit my job to take care if him

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (CT).
Issue: Managing, opening, or closing account

Complaint: I had a wells fargo gift card worth {$500.00} which i lost, ( remaining balance was about {$480.00} ) I reported it lost XX/XX/XXXX. I called in to report and completed the verification and requested a cheque for the balance to be issued. I was informed of the {$15.00} fees for the cheque to which i agreed. However it has been 4 months and i still have not received the cheque. I called in XX/XX/XXXX as well as XX/XX/XXXX to check on the status and was assured that the funds have been processed and cheque would be sent out shortly. 

Now, as i try to follow up, I am being asked to verify the transactions right to the dollar amount. I last used the card in XX/XX/XXXX and i am unable to remember the exact dollar amount. 

I had previously verified my identity and confirmed the remaining balance on the card, however now i am only givin XXXX option to verify the card which is my last transaction. 

I think this is very wrong and non flexible policies by wells fargo to make me jump over the same hoop over and over 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 explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I closed my account with XXXX XXXX of XXXX. To my knowledge at that time, there was a paid balance, and I had {$0.00} due. Was not aware that there would end up being a closing bill of {$90.00}. I 'm guessing the summer went by and they sent my account to a collection agency. During that spring and summer XXXX failed to notify me of that closing bill. Now here is the issue. Collection agency also failed to notify me of their attempt to collect debt. Did not receive a letter by mail, e-mail, or a phone call. I found out through my credit report I had a derogatory mark and called the collection agency immediately. They claim that they spoke with me XXXX times WITHIN THE PAST XXXX WEEKS. but all three times were me calling them to verify my dispute status after my credit report gave awareness to their attempt in collecting debt.

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 02/21/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are reporting {$660.00} on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. 

They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. 

This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 

here is the XXXX case against them. 

Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. 
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Beneficial applied two monthly payments in the XXXX of 2014 to the month of XXXX 2014. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, 2014 they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, 2014 after completing another reconciliation they told the XXXX Attorney General 's XXXX that our account was up to date. Between XXXX XXXX, 2014 and XXXX XXXX, 2014 they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) of {$1700.00}. On XXXX XXXX, 2014 they sold our mortgage to XXXX. Not only did they not tell XXXX that we were paid through XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand XXXX. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand XXXX and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Consumer Loan (Vehicle loan) with Turner Acceptance Corp. (IL).
Issue: Managing the loan or lease

Complaint: Turner Acceptance is reporting an account on my credit that should not be there the car was paid for they have a problem with payments I am requesting a full contract and payment history from them I have requested this information before and I was unable to get it from them

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX  forced me to take this loan back in   XXXX  , the original amount was {$5000.00}, and it was service by  XXXX   XXXX , since then I 've having been paying this loan on time but I still owe about {$3300.00} on the loan, it 's has been 15 years I have been paying this loan alone, if this was a car would be done by now. I like to complaint about  XXXX   XXXX  Navient that ripping off students like me, and they still doing this to other students.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Capitalized interest in the excess of 100k during forbearance. This caused my loan to increase to over 200k thus causing me to need a conventional loan for the house I am trying to buy me and my daughter as a single parent. I need 8 % down now despite having a good job. Rejected bill pay through my bank then attached fees for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Installment loan) with AmerAssist A/R Solutions, Inc. (CA).
Issue: Managing the loan or lease

Complaint: It was an insurance claim which they paid, and I continue to get threatening letters, calling the dentist several times and well as AmerAssit A/R solutions. Both XXXX are at fault and I am the victim. What even worse I am in the middle of escrow so this potentially could hurt me buying a my house. Please help

Company response to consumer: Closed
Consumer complaint received 03-08-2018 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Trouble during payment process

Complaint: Hello, I have a loan with Roundpoint Mortgage Services ( www.rpmservicing.com ), Loan # XXXX. On XX/XX/XXXX, they force placed insurance on my mortgage without notification. This amount is ~ $ XXXX/month,  additional. I have made weekly phone calls since XX/XX/XXXX and continue to get the runaround. I have insurance both on my condo interior and the condo building has a master policy. In most recent interactions, I called Roundpoint multiple times in XX/XX/XXXX and spoke with two individuals from the Insurance department : XXXX on XX/XX/29 collected my insurance broker information and contacted the master policy broker for the details requested. XXXX indicated that I would receive a refund for the force placed insurance once the documentation be obtained. I called back on XX/XX/2 and spoke with XXXX. He confirmed that XXXX received the documentation and a refund should process in 7-10 business days. I have since not received a refund. Since XX/XX/26 through XX/XX/1, I called the Insurance Tracking dept everyday and would stay on hold for over 1 hour until I hung up. I called the main Roundpoint line on XX/XX/1 and spoke with a rep named XXXX. XXXX confirmed that no documentation confirming my insurance was captured on file or any record of my phone calls. She admitted that Roundpoint had recently changed their insurance servicer, therefore all prior information communicated went obsolete. She instructed me to resubmit my insurance documentation via email, which I did, and call back in 3 days. I have since called back numerous times and can not reach the insurance dept or a human to confirm receipt. I have also sent two requests to Roundpoint via email requesting resolution and have not received a response. I desperately need help as there was no need to forceplace an insurance policy on my mortgage and a deficit of $ XXXX monthly is much higher than I can afford to sustain! 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