milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: Experienced identity theft fraud involving my PayPal account. Someone obtained my PayPal password and used it on XX/XX/XXXX to make an eBay purchase ( not from my account ). Paypal reversed this charge and password was changed. Despite this, on XX/XX/XXXX my account was again used to make XXXX eBay purchases for computers, shipping to a name/address unknown to me. On filing claim, PayPal positively closed XXXX case in the amount of {$2100.00} but on other virtually similar case for {$2200.00}, PayPal closed case upholding the transaction. As of XX/XX/XXXX, they are still planning to submit an ACH bank account withdrawl from me for {$2200.00}. This despite calling their fraud department twice to appeal and sending them further documentation, which I had informed them included police report and FTC complaint. Not only am I suffering from identity theft fraud, but PayPal is treating me as the criminal instead of the victim. I simply can not understand their actions here despite informing them via phone this violates Fed Regulation E as pertains to fraudulent transactions. This is complete fraud! The transaction did not come from my eBay account and was not shipped to me or to a person I know. I 've been a member of PayPal since XX/XX/XXXX and never had such transactions on my account in the past 15 years! Since this occurred, I have filed XXXX, AZ police report, filed FTC identity theft complaint, filed FBI Internet Criminal Activity Report ( IC3.gov ), placed a fraud alert on my credit bureau files, and notified my bank. I would like help in communicating/discussing with PayPal at higher levels than their front line customer service agents which appear unable to understand or resolve the issues. I 'd like PayPal to remove the XXXX fraudulent charge as they have the other XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have completely paid back my student loans. They were paid off in 2014. XXXX XXXX was the loan provider at the time. However, my loan was transferred to Navient. Prior to me paying off the loan it was in forebearance. I never paid late to XXXX XXXX because it was in forebearance. However, Navient is reporting that I paid late multiple times in the years of the recent recession. I did not have a job at the time, I informed XXXX XXXX, and I was granted forebearance. Navient will not change what is being reported to my credit agency. I have complained and asked them to show proof that I paid late. The account # they have for me is not in their system and they still will not correct this issue with XXXX. They are reporting false information to XXXX and they will not respond to multiple requests to correct their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tried to resolve issue with the credit collection agency for which I have never entered into any type of agreement/arrangement for them to charge me or take any action against me for the false charges they trying to collect third hand. Moreover, these are charges are for my son and they are trying to assess them to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Berks Credit & Collections , Inc at XXXX XXXX XXXX XXXX, PA XXXX. The staff I was speaking with XXXX, trying to let her know that the debt notice was incorrect and I had cleared it with the Doctor. She then told me that my insurance did not pay the debt and it was referred to them from the doctor. I asked if she knew the insurance did n't and she said yes. When I told her I had paperwork from the insurance showing it was paid right in front of me and that she was lying. I requested the info form her that my insurance did n't pay the Doctor and she said she did n't have to give it to me. She then said she was going to hang up on me because of how I was treating her. I never once raised my voice or yelled at her. When I was asked her for info on the company so I could report it to the cfpb she hung on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was hacked and knowingly kept this information from those affected

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of transunions injury issue.   I have :  XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  These hard inquiries were already off my credit and now they are back on. Please fix this issue, thanks.

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 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other transaction problem

Complaint: I opened an account with coinbase.com to purchase crypto currency. I added banking information to make trades. I 've tried to log in for a couple of months but I 've been locked out. I submit emails and I get canned response. But to no prevail do I get any sort of customer service follow ups as well as I still ca n't log in. I 'm concerned that they have my banking info. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (ME).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XXXX XXXX XXXX I requested a balance transfer, via phone, from my Wells Fargo XXXX XXXX card. I gave the XXXX digit number of the credit card I wished to pay off. I gave the last XXXX digits of the Wells Fargo XXXX, the last XXXX digits of my SS, my full name, and my full mailing address. I was told at that time the transfer was on it 's way. I monitored both cards and a week later I noticed the card I was trying to pay off had not been paid off. I checked my Wells Fargo account and noticed XXXX transactions. XXXX taking money out of the account ( to pay off other CC ) and XXXX returning that same amount back to my WF CC. I called WF and they said XXXX XXXX refused the electronic transfer. I told them the CC I was paying off has never been associated with any XXXX XXXX  Then WF sent me a cashier 's check payable to myself and XXXX XXXX I have never had an account with any XXXX XXXX. WF would not tell me where XXXX XXXX is located. I had WF stop payment on that check. And asked them to send the balance transfer to my XXXX XXXX, the holder of my XXXX XXXX. They told me that I was all set. A week later, on XXXX XXXX I asked again where my balance transfer had gone. XXXX XXXX. Again, I told WF that the card is NOT associated with any XXXX XXXX. WF escalated my case to the XXXX branch. Today, XXXX XXXX, I have repeatedly call to get a check sent solely to me to pay off this balance. They now want the XXXX digit security code on the back of my Wells Fargo Visa. I will not give it to them. XXXX times they have tried to pay this card without that XXXX digit security code, therefore they do not need that number. Can you help me resolve this. Thank you in advance for your help.

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 10/21/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (I do not know) with Meridian Financial Services, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX of XXXX I stayed in XXXX where I was confronted by a nice young woman to be invited to attend a airing TV show and a seminar on Time sharing, at no obligation and no cost to me. The woman explained to myself and my friend that in order to be eligible for the promotion that we would have to be married. We explained to the woman that this was not the case and we did not wish to move forward with the process, being a little pushy and also very kind at the time we decided to stay and watch the show and listen to the seminar. After we were then approached by a gentleman asking us to fill out a form with only our last XXXX digits of our Social Security number, reluctant because of the hard pull we were reassured that this would not effect our credit in any way, so we agreed. We were also promised by joining this program that we would be eligible for a free 3 day trip to a resort of our choice once we payed a {$100.00} upfront fee I then gave them my personal account information to make the payment. Upon arriving back home from my trip I immediately called to inquire about this and get more information to book for my free trip. I was transferred to over XXXX different numbers ending up at the same place I started at XXXX. This is when I realized I had become a victim of their fraudulent acts. XXXX XXXX XXXX they started to withdraw {$100.00} a month from my checking account, This went on for 4 months until I told my financial institution to stop the payment and was reimbursed {$400.00} that they took from me. In XXXX they " verified " the account as being correct and the bank refunded them back the {$400.00}. In XXXX of XXXX a report ended up on my credit report and also my friend XXXX XXXX as delinquent for the amount of {$1200.00}. My first complaint is that I was told that this would not effect my credit and was 100 % risk free and I would be able to cancel at any time. Secondly, If the company already received {$400.00} from us, how are we still entitled to pay them the full balance of {$1200.00} which is the price quoted for the entire package. Lastly as of XXXX when this remark showed up on my report it had not even been a full year as stated in the contract that the time was up, this action alone should prove that they were even more fraudulent by this action. This company is not only defrauding us a consumer 's but you as well and there should be a full investigation opened up against them because I 'm positive that I am not the only person this has happened to. This is horrible that these people are legally aloud to get away with such fraudulent acts. I am requesting that it is removed from all of my credit reports and XXXX XXXX 's for it states that is a joint contract, also a full refund of the monies that was taken from my checking account

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 10-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: Citibank Checking account balance falls negative because of their monthly maintenance fee and my joint account with my My spouse was reported to credit bureau and my score and my spouse score dropped more than XXXX points after that i took car loan and it cost me 7 % interest rate instead of 1 % .After mutiple calls and complaint citibank has not fixed my issue.

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 05/25/2016 about Debt collection (I do not know) with Curtwright & Klein, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On numerous occasions, my wife and I have been contacted by representatives from a company named " Curtwright & Klein, LLC ''. The messages are usually quite vague, stating that the person is " trying to get in touch with XXXX '' ( my brother ) and that they 'd appreciate if we could help them get in touch with him due to an " urgent matter ''. In most instances, only a return phone number is left and no mention of debt collection. 

My wife and I are estranged from my brother and have no way of getting in touch with him. At several points over the last month, we have called this collection agency back and asked to be removed. They have not respected our request and continue to call us. Sometimes it 's a live person, other times it 's a recording, and the caller ID varies. 

Phone numbers used : XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Medical debt) with Receivables Management Corporation (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have made numerous attempts to Receivables Management Corporation located at XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX to validate my alleged accounts with them after receiving threatening and harassing phone calls. My request for validation is responded to with form letters stating they have no duty to provide verification. <P/>This company is in direct violation of the FDCPA. I have requested the account be returned to the original client for further validation, but they have refused. <P/>XXXX is stating I have an outstanding balance of {$2700.00} from XX/XX/15.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Billing disputes

Complaint: I bought XXXX TVs from XXXX. One was fine, the other arrived damaged ; I requested a replacement which arrived damaged. I asked for another replacement ... they said they could n't. They would credit me and I can reorder. They said they would honor the discounts from the original order. I tried to reorder and they would n't honor what they said. I reordered anyway and they sent a similar, but wrong TV. After hours of emails and phone calls they refused to replace the wrong TV. At that time I disputed the charge on my Target credit card ... all to no avail. They denied it ... without understanding. I called the number and left a message with the person handling the request for the dispute, but he did not call me back. SO OK I GAVE UP. I PAID THE BALANCE DUE. All I asked was that they credit me the minor amount of interest during the dispute time. They credited some but not all. The balance is only {$19.00} ( all interest during the failed dispute period ). I closed the account and would like this credited to my account and have my credit report corrected if they reported any lates. XXXX and Target credit card is impossible to deal with. The overseas call center is terrible. I hope to put this issue behind me as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: the accident occurred XX/XX/2018 @ XXXX XXXX the representative called from XXXX Toyota financial services several times to my home trying to collect a past due payment of XXXX for a lease vehicle I have financed with them. The representative called my home several times harassing until the cleaning company the cleans my home answered the phone and at that point my cleaning maid stated the representative was very aggressive asking for information she could not answer concerning our personal finances and a timeframe for payment collection ; this violated our privacy rights and has really caused my wife and I to have server XXXX and embarrassment since this has happened we have made the payment it was just an slip of mind and filed a complaint and have not heard from anyone we want someone to hear about this to protect other families from this heartful client experience.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I contacted you several months ago concerning a balance on a citi card. IUI I heard from XXXX almost immediately and got a very satis- fying result. She was very pleasant. But she did not report the result to XXXX and now I still have a bad credit rating and am unable to get a Sears credit card for XXXX shopping. 
Can you please see that she follows through and that my previous good credit is restored. 
the case # XXXX the citi advantage card ended XXXX thanking you in advance for helping me in this regard. 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 non-monetary relief
Consumer complaint received 02/13/2016 about Debt collection (Auto) with JPMORGAN CHASE & CO. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, XXXX, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA loan that was being serviced by Greentree servicing. Greentree servicing has since changed to Ditech. Neither company paid the XXXX/XXXX/2015 tax payment that was due. I called on XXXX XXXX, after receiving a delinquent tax notice. I then faxed the notice and the original tax bill to Ditech. As of XXXX/XXXX/2015, the tax is still delinquent, and interest is accruing on the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an item for XXXX XXXX on my credit bureau report. 
I recently disputed this account with Equifax, and the information was reported as verified and accurate. I 'm sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
If they were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that they send me an explanation of the methods used, and a description of the records reviewed, when they conducted the investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I would also like to know the person whom they spoke with if this was done over the phone. I am attaching information from another credit bureau, showing this same debt was included in a bankruptcy that was discharged XX/XX/2010

Company response to consumer: Closed with explanation