milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Other transaction problem

Complaint: XXXX supposedly issued two refunds for cancelled transactions : Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX XXXX XXXX just sent you a full refund of {$70.00} USD Item ID : XXXX Transaction ID : XXXX From PayPal : XXXX XXXX just sent you a full refund of {$250.00} USD The refund is owed to me, but they sent it to PayPal. PayPal supposedly sent it - but they did not - They lied. ( Notice the Status Completedno way it ever was completedthey lie - are holding it ). 

Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Transaction Id XXXX CounterParty Transaction Id XXXX Invoice Id - - Parent Trx Id XXXX Transaction Type REFUND Status COMPLETED ( DEBIT ) Gross Amount USD XXXX Fee Amount USD XXXX Net Amount USD XXXX Created XXXX XXXX, XXXX Updated XXXX XXXX, XXXX PayPal supposedly has sent the refund, but neither the bank card administrator nor my bank administrator have seen anything of it. But XXXX insists that the refund is paid and then tells me " it may take 21 days to work through the system ''. Both the card administrator and my bank administrator tell me that is an outright lie, and if they had returned the funds, it would be in my account in minutes. PayPal is simply holding my money. I got the refund ... not PayPal ... so why does XXXX even give " my money '' to PayPal? PayPal can withdraw money for payment in seconds 24/7/365 ... but they can not put a refund back in less than 21 days minimum ... I am sorry but that does not compute. It simply gives PayPal a free loan for 21 days and counting. PayPal is stalling, but the buck stops with XXXX. They are the ones issuing the refund supposedly to me, and they could easily put pressure on PayPal to move it along, but they make the ridiculous claim that it is out of their hands. PayPal meanwhile is impossible to contact. I have a XXXX and I can not do phones ... do not even have any phone ... so they are trying to force me to make a PayPal accountthen they demand access to my bank account to issue any refund. You can not purchase anything on XXXX without going through PayPal. They can deny being connected all they choose to do so, but they are joined at the hip, and both are not particularly honest. I have written lies from each of them. 

Please note, I have no PayPal account - plus not only are they not giving my money back in reasonable amount of time, but they are also charging me for the abuse of doing so. 
I was issued a quoted refund amount by XXXX, but now PayPal is taking a chunk as payment for abusing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I reached out to my Mortgage Servicer Planet Home Lending asking for information as I may shortly have a difficult time making my mortgage payments due to the death of my son 's father who was the homeowner making the payments for the past 22 years. I inherited the property and the mortgage in XXXX 2016. I asked Planet Home to send me out a package with options I might have. XXXX of them was a Deed in Lieu. When I called them to discuss this I spoke to a XXXX who told me " we really do not do them. In fact I do not think I have ever seen us do XXXX of them ''. So is Planet Home Lending providing the Consumer with false information regarding options to Foreclosure? I sounds that way to me. I they do not do a DIL, then why does their paperwork sent to the customers state that they do. Thank you.

Company response to consumer: Closed
Consumer complaint received 10/15/2015 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: APR or interest rate

Complaint: As of my XXXX/XXXX/XXXX Chase Visa statement, my only balance was {$6900.00} which was entirely related to a 0 % APR balance transfer I had processed thru my Chase Visa account in XXXX. This balance transfer includes a 0 % APR that does n't expire until XXXX/XXXX/XXXX. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I added {$3800.00} in new purchases to my Chase Visa card. Since I knew I would incur finance charges ( at my regular 10.24 % APR rate ) immediately after these NEW purchases were posted, I paid off these new purchases a week later by paying {$75.00} on XXXX and {$3700.00} on XXXX ( Total= {$3800.00} ). Rather than applying my payments to the higher interest rate balance, Chase applied most of my payment to the 0 % APR balance. I wrote a complaint to Chase Visa, but got back a messy canned response that repeated several sentences ( obviously a bad copy and paste job ) that claimed that all postings to my account were done correctly. Should n't Chase have applied my payments to the higher APR such as is mandated by the CARD Act of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: I have a credit card with Synchrony Bank, a PayPal Smart Connect card. 
( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of {$75.00} ( {$150.00} per month ). My balance has been steadily decreasing and on XXXX XXXX, 2015 my balance was {$650.00}. I got a letter from Synchrony stating that they were lowering my credit limit from {$1100.00} to {$660.00}. I had made {$75.00} payments on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have used the card for only one {$50.00} purchase. On Tuesday, XXXX XXXX, I checked my balance and it was {$700.00}. I had been charged a late fee pushing me over my credit limit and then they charged me {$14.00} interest on a balance of {$670.00}. Keep in mind I 've paid {$300.00} toward this card since XXXX XXXX and I have used it for only XXXX {$50.00} purchase. 
When I called to complain on XXXX XXXX, 2015 the representative said " Congratulations, we were able to help you by moving your XXXX XXXX payment to XXXX and removing the late charge bringing your balance to {$670.00} ''. The late charge should never have been applied to begin with and my new balance is now still more than I owed on XXXX XXXX ( I 've made XXXX additional payments since XXXX XXXX and I have n't used the card in XXXX ). My new balance should be less than {$650.00} which was my balance at the beginning of XXXX. 
( 2 ) Since XXXX XXXX I have made {$300.00} in on time payments, have not used one time ( {$50.00} ), show no purchases for XXXX on my statement and yet my balance has gone up by {$50.00}. How can I pay {$300.00} toward a XXXX balance, make XXXX {$50.00} purchase in XXXX and end up with a {$700.00} balance on XXXX XXXX? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance. 
( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with Evergreen Financial Services Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: i was not aware of a debt that i am being garnished for. no proper communication to aknowlodge my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Payday loan () with FIRST CASH FINANCIAL SERVICES, INC. (CO).
Issue: Payment to acct not credited

Complaint: I was double charged at an establishment and was told i could not get my money back. after, speaking with a higher up rep of the company i finally received XXXX of my payments back. Today, I went to pay my loan off and re barrow and now i am being told that i can not because i missed a payment. i have receipts for XXXX and XXXX payment. i contacted the district manager again. And this time i was told to leave the store and that was that. I explained to this person that i have receipts and he still would not honor what i had to say. at this point my contract is void because they did not hold up the end of the agreement on their end. the district manager also hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with M.L. Zager P.C. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a student loan on my Experian credit report from the XXXX XXXX XXXX XXXX According to the report the loan began XX/XX/XXXX and was for a term of 36months. Im not 100 % clear on what type of student loan it is.. I know there is one type that seemly never falls off your credit report, but regardless of which kind it is ... 

If the loan began on XX/XX/XXXX then 36 months later would be XX/XX/XXXX and then +180 days would be XX/XX/XXXX. 

According to my Experian credit report the date of first delinquency seems to be XX/XX/XXXX. I think the date of delinquency is wrong. 

Im not familiar like I said with the loan, but no payment has ever been made on it so it is very likely the date of delinquency is perhaps even earlier than XX/XX/XXXX. 

If this is one of the loans that does fall off I think that it should have already and if it isn't I don't believe the date of delinquency is accurate.

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 06/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit reporting company will not remove paid tax lien even though documentation states that it is " paid, satisfied, and ordered cancelled from record '' as of XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Professional Debt Mediat opened an account XXXX XXXX, XXXX {$2700.00} Which was a place I lived with a bf and at that time I followed everything the rental office instructed me to do when moving out. As soon as I did the company sold over and the new company sent this to the reporting agency. The apartment was return the same way received and they kept my deposit. XXXX XXXX XXXX open an account XXXX XXXX, XXXX {$1700.00} This was outdated and needs to be removed.

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 05-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (AZ).
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint: My company changed our regular pady from Thursday XXXX to Wednesday XXXX. I have confirmed with my company they they submitted direct deposits on XXXX/XXXX/17 to allow for this change. My direct deposit is split between a credit union checking account and my pre-paid card. My credit union deposit hit the night before like it normally does and balance made available. However the pre-paid card deposit did not hit the night before like it normally did. I called the pre-paid card customer service at XXXX MT to see what the problem was. I was told to give it until XXXX " east coast time ''. I did so, and at XXXX checked my balance, no funds so I call back. This time, I 'm on hold at least 30 minutes and they now say it 's delayed due to the holiday ( tomorrow, XXXX ) and to give them another 4 hours. I had no reason to think my direct deposit would not hit on time, and now my family and I are traveling out of town with no money, praying that they correct whatever issues they are having. I have no recourse because my company has paid me. I am at thier mercy.

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 07-12-2016 about Debt collection (Medical) with AR Resources, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my place of business as first attempt to collect debt and was rude to the admin personnel, when asked for a reference to the call, he would not respond, just simply repeated my name over and over. After calling my place of business, he immediately called my mother in law, who is going through XXXX with my father in law. She was startled and worried as he was rude to her saying I had to call right away. She was upset and became worried about our financial situation. She is not involved in our finances and as most we did not want her to be involved in our medical bills. I never received any phone calls nor did my husband and we are the obvious numbers that would be first to call if there was an emergency. The collection agent, XXXX XXXX with AR Resources Inc. chose to call my place of business and violate First amendment 18 Pa.C.S. 2709. Harassment. by communicating without stating why he was calling, even when I returned his call. Everyone at my work now thinks I have financial problems as well as my mother in law. His agency has only had my account a few days. Imagine the damage XXXX XXXX would have caused had I not called another agent and paid my account in full today.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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 explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Struggling to pay mortgage

Complaint: We have been 2 months behind on mortgage. I contacted Wells Fargo to see if we could have a loan modification. They told me that we did`nt qualify for one that we made enough where we did`nt need one. When filling out the paperwork they gave me i could not see anywhere where i would put what bills we pay, Gas, electric, Etc ... This has very frustrating because i`m trying to get help so we don`t get foreclosed but i can`t get any. XXXX XXXX 2017 is when i got the denial letter.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made a formal request to Equifax, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX Cancellation of Debt form summary provided by XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent transunion a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : SEE ATTACH DOCUMENTS According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called TRANSUNION and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified TRANSUNION have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested.

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