milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX.  The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have attempted to obtain my credit report from Experian for a declined credit opportunity due to information presented on my Experian credit report as well I was attempting to get my free annual from Experian. Both attempts were denied. I then went further to get my report by paying for their services and they declined again. I am being unlawfully denied my credit report and their customer service is no help when contacted about the matter.

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 12/26/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX I used my US Bank account to fund a transaction in error. I did not realize I used this account until XXXX in which I immediate took action to resolve the issue. I updated my address and contact information, contacted US Bank about the fees assessed against my account ( {$36.00} on XXXX, {$25.00} on XXXX, {$36.00} on XXXX when the fee originally fee could not be charged - this charge should not have occurred ), {$25.00} on XXXX ). Over the phone, I was told that they could only waive the two {$36.00} fees because the two {$25.00} fees were placed by the branch. I moved to NJ, there is not a US Bank near by, I had a friend make two deposits into the account on XXXX, which left the balance negative {$49.00}. He spoke with the US Bank in Nebraska who said that they ca n't waive the fee, that the branch where the account was opened is the only place that can waive the fees. On XXXX, another {$25.00} fee was placed for being negative for more than 7 days. On XXXX an automatic payment was made which resolved the negative balance. 

I called the local branch where I opened the account and XXXX denied my request to waive the fee. I called the CS number and they said they could not help because they can only waive 2 fees a year. I 've never had a fee in my 8 years of banking with them. I asked for an exception and was denied. I spent over 2 hours on the phone trying to get my issue resolved. 

I would like to understand how the second {$36.00} fee was charged, it does n't make sense or seem fair that a bank can charge a fee for their own fee being declined. And the last {$25.00} fee would not have happened if the bank teller on XXXX provided accurate information that the bank would not waive the two {$25.00} fees to start with.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: American Express cardholder for many years. I have a {$3000.00} limit and used this card as 1 of many. In the process of new job and moving I incurred a couple late fees of a few days which I paid. I then find out they jacked my interest rate to 29.9 % and my monthly payment was getting me nowhere. At any time in my life I never not paid my credit card bills. I tried to resolve this with them and they were pretty obstinate, so I have cancelled my account, but felt I needed to complain about the unfair gouging they have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.

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 09/25/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account with XXXX Bank which is for use at Pier XXXX imports. I received a late payment for a balance of {$5.00}. I wrote the bank and I had it removed XXXX. It is still reporting on Experian and they are not removing it. I in good faith thought I paid the account off. Some how there was a {$5.00} interest charge that was billed and which I did n't receive. I believe that this should n't be considered a late payment. Letter to XXXX Bank Attached

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with U.S. BANCORP (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had a US Bank Educational Loan, in the amount of {$5000.00} ; of which I consolidated many years ago. I recently became aware of there being a remaining unpaid balance in the amount of {$230.00} that appears on my credit as a Charge Off. I contacted US Bank, attempting to resolve this matter. I explained to XXXX different representatives that this balance remaining was a result of a Consolidation error, and that US Bank never contacted me regarding this, but now that I am aware of this being on my Credit, I want to resolve, and I offered to pay the balance in full. However, I asked for them to remove/delete the negative reporting from my Credit Report, requesting that this no longer appeared as a Charge Off, if I was to pay the balance in full. US Bank Representatives told me that even if I were to pay the full balance, that they would not remove the negative reporting/Charge Off Status. It would just reflect a {$0.00} balance. Considering this was not an error on my part, but as a result of the Consolidation, I did not think this was a fair remedy. They told me to take my complaint to the Company that Consolidated for the error. I politely explained that another company would not be able to remedy the situation on behalf of US Bank, nor remedy my Credit Report. US Bank can easily see in their records that this was a Consolidation and paid off by another Lender, and that was never a balance I intended to ignore or not pay. I am offering to pay the balance in full, but I needed the account status updated to not reflect a Charge Off, and they are not willing to cooperate. In all actuality, this was not a Charge Off, because they are willing to still accept a payment there in their office, not another company. So it should not reflect Charge Off, if they still have the account with them, and are willing to accept a payment. Upon making the payment in full, US Bank should be willing to update as Paid/Closed account. I would like the CFPB to follow up on this matter, and the unfair Credit Reporting practices of US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I JUST RECIEVED THIS NOTICE TODAY ABOUT THAT STUPID {$420.00} XXXX BILL, EXCEPT IT 'S WITH ANOTHER DEBT COLLECTION COMPANY!!!! XXXX!!!!! I CALLED THE COMPANY AND THE REPRESENTATIVE THAT I TALKED TO TOLD ME THAT THEY WERE GON NA HANG UP IF I DID N'T QUIT BEING FRUSTRATED!!!!!!!!! I STRAIGHT UP TOLD HIM THAT THE POLICE DO NOT DO ANYTHING ABOUT ID THEFT, AND THE GUY TOLD ME THAT THEY DID ... .NO THEY DO N'T!!!!!!! UNLESS YOU 'RE FAMOUS AND YOU HAVE MONEY!!!!!!!!!!!!!!! THEY ALSO THREATENED TO PUT A DEROGATORY ACCOUNT ON MY CREDIT BUREAUS AS WELL!!!!!!! I HAVE ALREADY TALKED TO THE XXXX POLICE AND THEY DID NOT DO ANYTHING!!!!!!! SO I DO NOT WAN NA HEAR ABOUT FILING A REPORT!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: To whom this may concern, Please see the attached document as it details violations of the XXXX rules that protect consumers from illegal financing activities. 

Sincerely Yours, XXXX

Company response to consumer: Closed
Consumer complaint received 10-02-2017 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: hippa, crainaccurateinformationviolates my cra rights

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 07-06-2016 about Debt collection (Auto) with Pacific Credit Exchange Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other service issues

Complaint: I had a business account with PayPal, which I used as a credit card processor and had a Debit Mastercard to access funds. My account had a negative balance on it, which is why they would keep any funds transferred on to that account. However, after a short time and without any notice sent to me, I was no longer allowed to login to my Paypal account. When I follow the website 's prompt to I contact them via email, their website requires me to login. Furthermore, because of this problem, I am unable to access my financial data for FY 2015 and any necessary documents or information for my tax filings.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Vehicle loan or lease (Loan) with BANK OF THE WEST (AL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Bank of the West never sent the Title for my Boat, Motor, and Trailer after I paid off my loan. I moved and am still in contact with the people living in my old house. They have not received the documents either. 

I 've contacted Bank of the West numerous times and the only thing I got from them was a UCC filing showing the debt satisfied and the lien released. 

I previously had this same problem ( no Title returned ) on a car that was financed through them by a dealer.

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 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have had nothing but trouble for a number of years trying to qualify for a loan modification. We make enough money to sustain a mortgage payment and had put over XXXX down on this property now only worth XXXX when we bought it for over XXXX XXXX. We were forced into a bankruptcy after multiple attempts to resolve the disputed mortgage delinquency and modification process threatened us with foreclosure. We have also attempted to resolve this issue through and attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) who ultimately cost me over ten thousand dollars to still have the threat of foreclosure and stall tactics with no real resolution during the entire process. Ultimately denying us saying they could not verify our income, which we have provided bank statements and tax returns for. I am now attempting to short sale the property as a last resort although we should qualify to stay in the home. We were told we had to drop litigation in order for them to review us for a modification after over a year of going no where, then when we did, they blocked us from speaking to them to get status of the modification review and to confirm that they received the documents we sent. Instead they only lift the block 2 days ( they refuse to help saying its now to late ) before a sale date forcing us to file a bankruptcy to prevent the home from going to sale.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have wrote a letter to XXXX, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XX/XX/2018 Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.

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 06/19/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Good morning, In XXXX of this year I noticed fraudulent charges on my XXXX XXXX credit card. I called the credit card company and advised them of the charges and closed the account. It was quite obvious to see that the charges were not mine. I have a very consistent record of purchases, dollar amounts and purchase locations. The phone representative said he could easily see the charges were not made by me. He told me the card was closed immediately and that no more charges would be put on my account. I told him I did not want another credit card reissued. I then paid my legitimate card purchases balance to take the account to XXXX. I received a confirmation letter that the account was closed, dated XXXX ( letter attached ) In XXXX I had to contact the XXXX XXXX again as they were trying to collect from me the fraudulent charges. The XXXX XXXX phone rep stated the account was closed and they were investigating the charges and I would not be charged any additional fees. I received another letter stating the account was closed dated XXXX ( letter attached ). 

On XXXX ( letter attached ) I received another letter stating the fraudulent chargers were being investigated and no payments would be required. 

On XXXX I was shocked to receive another bill from XXXX XXXX with a NEW charge on XXXX and late fees and interest charges. ( statement attached ) How can they charge me all these items for an account that has been closed since XXXX? I feel this is an attempt at XXXX abuse. This matter has caused me tremendous stress and worry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: I had a customer that had me perform service work on his personal ski boat but after completion he could not pay his bill so I held onto his boat until he could come up with the needed funds. He wanted to sell his boat because he needed the money for personal reasons, he said he had it sold and wanted me to release it to him saying that he would pay me after the sale, I know this guy could not be trusted. On the XX/XX/XXXX he brought me a cashiers check in the amount owed ( {$3200.00} ) I then  released the boat to him, he sold it that day Friday XX/XX/XXXX. I cashed the cashiers check on Tuesday XX/XX/XXXX at my personal bank, the bank put a hold on my account until the check was to clear, two days later I find out the the check had a stop payment put on it that past Monday morning. At that time the total funds were removed from my personal checking account. I have read that it is impossible to stop payment on a cashiers check but according to Chase Bank it is a common thing and a cashiers check is no better than a personal check. My trust in the cashiers check funds is the only reason I released the boat, now I 'm out the money and my only recourse is to take him to court but even with a judgement in my favor I will be lucky to collect the funds plus the lost time and money to do so. I think Chase Bank should be held responsible for my loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2017 about Debt collection (Credit card debt) with Kramer & Frank, P.C. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN).
Issue: Managing the loan or lease

Complaint: I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes

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 04-05-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: PayPal has decided to put a larger portion of my money into a " reserve '' making it unavailable. They claim it 's from a transaction from a company that I 've done business with several times before so with this history, they have no reason to hold these funds. They claim it was because of relatively low activity ( my wife had XXXX, which can easily be verified so naturally my business transactions slowed significantly during this time ) and that I was in a " XXXX '' industry. I own a XXXX. All transactions are paid and when we receive an inventory order, larger purchases by us are made for material costs. This reserve hold in the amount of {$2000.00} is unacceptable.

Company response to consumer: Closed with explanation