milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NORTH STATE ACCEPTANCE LLC (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Medical) with USCB, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: There are multiple unauthorized transfers ( total more than XXXX XXXX ) made by a paypal account from my saving account in XXXX XXXX, those transaction went through without any authorization or approval from me, I contact paypal and they refuse to recover my loss or provide contact info about the merchant, which is totally unacceptable : XXXX XXXX, XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : PAYPAL XXXX XXXX WEB ID : XXXX XXXX XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other fee

Complaint: I called in to downgrade my Citi AAdvantage Gold card to a Citi Diamond card within a few weeks of the annual fee posting, and was told that the fee of {$50.00} would be erased by the time the next statement posted. It did not, so I called in, and learned that I would be refunded the fee " within 51 days of account conversion '', or XXXX XXXX, as the account conversion process does not begin for another few weeks, despite my old card already having been closed and my new card already been received. I will now have to pay the annual fee to avoid having my account go into default, even though they told me it will be refunded.

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 09/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MS).
Issue: Other transaction problem

Complaint: It was back to 2012, i found my paypal balance disappear. So i contact paypal ask them to investigate this issue. Paypal send me a check image, the check was send to MI which i never live there. The check is deposit to XXXX XXXX XXXX. 

The i start a BBB complaint, paypal agree to refund me the amount {$460.00}. But before that i need to document. However, after that i receive nothing. 

After that, i send email to the paypal executive office receive no response. Call paypal get nothing helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.

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 07/28/2015 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I attempted to close a checking account. The bank ( PNC ) levied a fee. I went to the local branch and discussed the situation. I reluctantly paid the fee and had the account closed ( or so I thought ). I then also closed my other account with the bank - which took XXXX trips to the branch. They allege they had placed a 'hold ' on the account due to 'suspicious activity '. Anyway, I thought I was finally clear of PNC. I 'm now receiving " account overdrawn '' emails from PNC. I 've called and they 're unable to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech took on our mortgage from another company a little more than a year ago. We are never late on payments for any bills and have had an account in good standing since this mortgage 's inception XX/XX/2014. In the last several months, Ditech has halted my ability to make automatic payments or online payments and charge fees for all other payment types ; deducted mortgage payments twice from my account ( taken out double what is due ) in two different months ; received authorization to collect payment over the phone and fail to take the payment ; reported to the credit reporting agencies that we were late on payments ( we were not ) so that I had to report them to the credit agencies ; sent collections people to our house in error multiple times ; refused to give us a record of our calls or proof that we are an account in good standing ; lost track of how much we have ( and should have ) in escrow ; and increased our monthly payment from about {$1000.00} per month to about $ 2400 monthly stating that they incorrectly accounted for property taxes. We have been diligent in following up with them monthly and this nearly five month saga is still ongoing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Other

Complaint: I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: American Express recently lots XXXX business now they refuse to give me old statements I ahve done business with AMEX for years and over night they took all my online history off and will not allow me to view my AMEX history. 

I feel like they are acting like a an upset child who lost a game and took their ball and went home.. 

I have viewed my bill and paid them money for years then they take it all away and point fingers .. All I am trying to do is find a transaction

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 12-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I borrowed this money from XXXX to XXXX to attend the University XXXX XXXX, along with several other loans as part of a loan package. Apparently, I also borrowed money from this lender from XXXX through XXXX while attending XXXX XXXX University. It was my belief this loan money was all through XXXX XXXX and a federally-backed funding program. Upon graduating from XXXX XXXX in XXXX, XXXX, I started pursuing consolidation options. I consolidated the majority of my loans and now pay those loans through XXXX, which has been a very reasonable lending group. 

However, there is one " bundle '' of loans labeled the XXXX XXXX XXXX XXXX that was not eligible for the consolidation, as it was a Private XXXX XXXX loan. This loan now totals {$45000.00} as the total amount owed. At some point, Navient became the servicer of this loan. I started paying Navient regularly in XXXX, XXXX, which is when I obtained full-time employment after XXXX XXXX Upon moving to XXXX XXXX in XXXX, XXXX ( my husband was in the XXXX at the time and assigned a duty station in XXXX XXXX ), I began trying to negotiate with Navient for a lower payment plan, as I did not have a job in XXXX XXXX. Navient 's customer service reps were hostile, rude, and offered no solutions. One rep  went so far as to suggest that I borrow money from my parents. 

After multiple discussions around trying to see how to arrange a payment plan to no avail, I stopped paying Navient as I had no income coming in. Navient reps started calling me 8-10 times a day, including at XXXX XXXX and all through the weekend. I told them to stop contacting me excessively. This was interpreted as a " Cease Contact '' request and I have not received ANY correspondence from them since that request. No emails ( other than required tax forms ) and no letters. 

On this date, XXXX XXXX, XXXX, I have {$11000.00} past due and have a negative report on my credit, as Navient as filed this as a " Collection/Charge Off '' on my credit report. The experience of trying to work with them and bring some order to my student debt has been exhausting. As it stands, my credit is destroyed and I have no idea how to approach this group to enter into a reasonable plan. Additionally, interest accrues at an exorbitant rate, so I will likely live with this debt until the day I die. I have several other lenders I work with ( XXXX, NJ XXXX, XXXX, and XXXX XXXX XXXX ) and while I take issue with some of those lenders as well, they have all been amenable to working with me on a reasonable payment plan. Navient remains the sole outlier. 

I have no idea how Navient became the servicer of a XXXX XXXX loan but their practices have been unethical, to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled in full, company is reporting as open collection item

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, 2017 I sent a letter to Transunion asking what information they used to validate the following information on my credit report that they were reporting as verified. 
( XXXX XXXX XXXX ). I am submitting this complaint because I have a problem with Transunion investigation into my dispute. I was never given the 30 days by law to dispute the account before it entered my credit report. After having submitted via writing on XX/XX/17 the dispute. Transunion is reporting this as verified buy the company isnt legally allowed to collect in my state. and I havent been sent the information used to verify said debut. Per the FDCPA Once my letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. And since they have not supplied said information all collection information needs to stop.

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 05/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX fraudulently reported a foreclosure for a XXXX mortgage that never existed. I never received notification of any kind on this account. I never took this loan with XXXX. XXXX has not produced actual signed papers proving that I took this loan. Unfortunately I have no supporting documents because there are none. I am a XXXX Veteran and was suffering from XXXX at the time I took my {$140000.00} mortgage. All of the problems with XXXX were originally caused by my need for a XXXX XXXX. XXXX abused their authority by fraudulently promising a mortgage modification and dragging the results out for three years. The end result is a predatory loan that was originally {$140000.00} and is now {$160000.00} and is {$100000.00} underwater. My modified loan is 24 years at 3.75 % and at the end of 24 years I get to make a balloon payment of {$100000.00}. I paid a lawyer {$5000.00} to represent me in this modification. Any reasonable person would never deal with XXXX if they knew the rules and procedures XXXX employees have to follow. XXXX is responsible for ruining at least seven years of my life. I am now XXXX and I can not afford to have this financial predator to continue to abuse me. I think it is a shame that the credit bureaus are allowed to keep derogatory reports for seven years. People do n't do seven years for XXXX in this country. If it were three years I think the economy would blossom. Also at the time of my modification XXXX promised to remove all the late payments that they were responsible for. I was told not to pay because my modification was on the horizon.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXXXX/XX/XXXX 11. XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I didn't make these charges. Please advise. Here is the list : XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}

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