milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction problem

Complaint: I recently opened up a PayPal account. I received notification shortly after the account was opened saying that my account had been limited because it was associated with other paypal accounts that had negative balances. Upon calling PayPal I informed them that I have never been associated with the accounts that were opened in my name and that I could provide them with documentation to that point. My account limitation was appealed and the appeal was denied stating they had to evidence of identity theft. I asked on numerous occasions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to send in documentation of the idenity theft. Today, XX/XX/XXXX, I was told by PayPal to go to XXXX to upload my documents. Every time I did that I was prompted to sign into the website and then told me account was restricted and at no point was I given an opportunity to upload my documents. I am uploading the original driver 's license with the home address where I lived when the identity theft first happened, along with letters from the bank that caused the identity theft as well as letters from other creditors that have done their own investigations and found me not liable for these fraudulent accounts. I processed these disputes with the other creditors through this consumer protection portal which can be verified as all correspondence done through the portal is saved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I received a letter from XXXX XXXX XXXX on XXXX XXXX XXXX and my claim was denied for XXXX XXXX DUE me using my credit card ending XXXX in the amount of XXXX I did n't make this purchase my son too my card without my permission and made this purchase I do n't have this card anymore due to recent fraud been going on on this card I told the bank at the branch I did n't make this purchase and Bank of America will rebilled me on XXXX 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 monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have some disputes that I am trying to review and Equifax once again has pulled down their dispute website page : It is happening quite frequently. If they are unable to give us reports and correct info then they certainly should not be sharing our credit information with anyone else. You can not reach them by phone either. Right now Consumers have no control to keep their credit score in tack. Scary enough what they have done and now they are stopping us form submitting on line disputes, this service is always temporarily down for service? It 's not okay! 

Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have been out of the Country, in XXXX since XX/XX/XXXX ; ( where I am unable to communicate with any American banks, due to the Embargo laws here ), and returned on XX/XX/XXXX. 

While I was away, TD bank excessively charged my Primary DDA account with Overdraft Fees in one of ( at that time I had 2 checking accounts with them. My Primary DDA, was by myself, and the Secondary DDA, was a Joint Account with my Grandson ). The Overdraft Fees that TD Bank charged me for repeated EFTs, were in excess of the ( {$910.00} ) ; they took the remainder of my Social Security benefit, that remained on my account. I was not able to receive any notices, written, or otherwise, to remedy the situation, and even though I DID ADVISE TD BANK AT THEIR CUSTOMER SERVICE LINE ; THAT I WOULD BE OUT OF THE COUNTRY, IN CUBA FOR THE DURATION OF 2.5 MONTHS, ( due to the fact ; that I was getting married. I specifically called them in XX/XX/XXXX, prior to my trip to place a memo on the account. ) TD Bank, not only closed my Overdrawn Checking account ( without receipt of any notice ), but they took portions of my Social Security Deposit funds that were Direct Deposited into my Account at the time ; ( which are, to the best of my knowledge, considered 'exempt funds ', by US law ). 
Not only did they take my money, ruin my credit, and over-charged me excessive Overdraft Charges, they did a " DDA Offset '', against my Grandson 's Student account, and took his University Internship earnings ( without any written notice to him, or me!!! ) When my Grandson opened his Student Account with TD bank, ( for which I was present ), he was never given any notice or disclosures that they would '' offset any DDA accounts '' against his. As a matter of fact, when I opened my DDA & Savings account, no disclosures and terms of conditions were given to me either! They just had us sign what I thought was a " Signature Card ''. Unless, TD Bank placed this disclosure in such " fine print '', as to throw off customer from even being able to read it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with SLM CORPORATION (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with LEXISNEXIS (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Lexis Nexis was utilized in the month of XXXX 2016 to obtain a consumer report on me, from XXXX. One week ago, a request was made to have this report sent to me. As of yet, Lexis Nexis has failed to follow through and send this report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: An unidentified law firm representing GE Money Bank called from a blocked number stating their processor has failed at delivering documents pertaining to a civil suit case that is being handled by said firm. The person with whom I spoke said her name was XXXX but did not give any information about the firm she was calling for or give me any contact information. She threatened that her firm was going to follow through with a civil suit to obtain a default judgment. The account in question is not mine and I have no knowledge of this account 's existence. XXXX stated the account was closed XX/XX/XXXX, meaning that the statue of limitations to sue expired XX/XX/XXXX. Upon bringing this fact to her attention, she continued to threaten me that they were still going to follow through with the suit. She hung up without any further correspondence. I was never told where this case would be filed, nor how to get in contact with anyone to investigate the matter further. This account has never appeared on my credit report, nor have I had anyone in the past make any attempt to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Transunion score is lower than the other XXXX reporting agencies. The same stupid answer. Each company uses a different model. They do everything to keep your score low so that you are forced to pay a higher interest on everything. They want to sell you a product to track your score. I had the man on the phone check my report and I have no late or missing payments. I have a XXXX XXXX XXXX bankruptcy. It takes 10 years to get if off. How can you do any kind of transactions without getting an inquire that lowers you score for two 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 explanation
Consumer complaint received 01-11-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Balance transfer

Complaint: On XX/XX/XXXX I notified Citibank by phone of fraudulent activity resulting from a balance transfer check that posted on XX/XX/XXXX. At that time I was informed there was nothing further I need to do. Citibank representative said I would receive notification of dispute within a short time period, and they would issue a new credit card. On XX/XX/XXXX I called Citibank again to confirm dispute was in process, and tried to obtain an address to send written notification and I requested a copy of my credit card agreement. After insisting on speaking to a manger so I could be provided the exact address of where to write in order to file a formal dispute, XXXX ( a supervisor ) came on the line and gave me a PO Box tht was not the same as what I found out later should be used. As of the writing of this complaint, I have only been provided a copy of a somewhat illegible credit card agreement, and have not been provided with any written confirmation of my dispute, and they have not sent me a new credit card " in order protect the integrity of the account ''. I sent registered return receipt letters to XXXX different Postal Boxes that I was given from various personnel and correspondence with Citi, and I have acknowledgment of receipt dated XX/XX/XXXX. As of this evening, there is nothing on the website for my account that shows the account is in dispute, and I have not received any sort of acknowledgement of it either, and I have a payment due on XX/XX/XXXX. The company stated that they could not provide me with the name of the company or person that the fraudulent check was paid to.

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 01-10-2018 about Checking or savings account (Checking account) with BNY MELLON, NATIONAL ASSOCIATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On, XXXX/XXXX/16, XXXX withdrew {$65.00} from my XXXX XXXX checking account in an authorized direct debit transaction. I have tried to resolve the issue with both XXXX XXXX and XXXX with no luck. 

I would like a refund of my {$65.00}

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 05-12-2017 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX XXXX XXXX starts calling 3 days after payment is due up to 3 times a day. XX/XX/XXXX. XXXX XXXX XXXX I have mailed payment early & continue to get late payments added to my account. This has occurred since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: There is a foreclosure sale scheduled for a loan held by Wells Fargo Home Mortgage. My company owns the property in California which is collateral for the deed of trust. On XXXX XXXX, 2016, I contacted WFHM and requested reinstatement figures per CA Civil Code section XXXX, we are an " entitled party '' by being a successor trustor through foreclosure. The fax documents were sent to WFHM per instructions received from a representative and subsequent calls have been made as well to no avail. 
XXXX XXXX 2016 - Call to XXXX # XXXX he informed me the fax had not been processed yet. and to call back. 
XXXX XXXX 2016 - Called again spoke with XXXX # XXXX - She told me processing time could be two weeks and to try back again. 
XXXX XXXX 2016 - Called again, spoke with XXXX XXXX # XXXX, he said to try back on Friday XXXX XXXX to see if the request was processed. 
XXXX XXXX 2016 - Called again and asked about the reinstatement numbers to stop the foreclosure sale. Spoke with XXXX in BK dept. She said she did n't see the fax was ever received and gave me # XXXX to re-send it to. I did. 
XXXX XXXX 2016, Called spoke with XXXX in collection dept. She said the fax was received and had not been processed by any dept. I thanked her and asked her to let me know who could look at the package and issue figures to stop the foreclosure. She did n't know who could do the processing. 
This leads me to this website to file a formal complaint against WFHM for not issuing reinstatement figures against CA Civil code. We are a successor in interest to this deed of trust and I demand a viable method of reinstating the mortgage which encumbers the Real Property lawfully owned by my employer in California. Please help. 

Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX CA XXXX Borrower : XXXX XXXX XXXX XXXX . 
Last 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 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Capital One - 0 % interest credit card. I responded to this offer and have been using the card. I saw an interest charge on my credit card statement and checked the statement asssuming it was an error. In reviewing the statement, there is no place on the current or prior statements that indicates WHEN the promotion ends. Also the online portal does not include this information. 

I 've used other 0 % offers and the company always shows the expiration of the promotional offer on the credit card statement plus they will include a reminder before it expires. That is good business practice. 

I contacted XXXX and was told by XXXX representatives that I should have kept track of the offer. The attitude demonstrated by their customer service rep and manager is  " it 's your fault and it 's your problem ''. Good point when dealing with slimy business partners. Given I had asked for the interest to be credited back to my account and I would pay the card in full, in my opinion they are not terribly bright either. 

So XXXX, what 's NOT in my wallet is your credit card. And what 's not in YOUR wallet any longer is my significant savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Vehicle loan or lease (Loan) with SYNCHRONY FINANCIAL (OK).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: my loan is with synchrony bank who finances XXXX. the loan was done XXXX XXXX of this year. they called me and notified I had over XXXX worth of late charges. At the time of the phone call I could not pay the XXXX so I set up an auto payment for XXXX and XXXX to pay the charges off. The first payment of XXXX was deducted on XXXX XXXX per our agreement. Then on XXXX XXXX they sent through a monthly autopay of XXXX which sent my account into overdraft. I called my bank and told them this was not authorized and they rescinded it. Synchrony then charged me XXXX for stop payment. When I called them and complained they did rescind the fee of XXXX. now in XXXX they took the XXXX payment to pay off the late fee, and turned around and again sent through the monthly payment of XXXX. When I called to talk to them about this they said the auto payment continues for 60 days after the loan is completed. Needless to say my bank had already stopped this autopay and they have again charged me for return fee and they will not rescind this XXXX fee. I tried to tell them that they had sent through 2 days after the last payment for late fees had cleared my bank so the loan is over. I am so frustrated with this type of banking. All I want is for them to rescind the fee. I 'm afraid I was not very kind over the phone with them but oh well.

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 02/19/2018 about Debt collection (Auto debt) with Radius Global Solutions LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have vehicle lease account with XXXX XXXX XXXX that was properly paid for and closed on XX/XX/XXXX. As I changed address after the account was closed, I did NOt receive any further communication from XXXX. But, I get a call from a credit collection agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a debt to XXXX. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted XXXX and disputed the missing key. XXXX told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with XXXX, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX   keeps telling me that this is what XXXX reports to them. Each time I contacted XXXX at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to 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