milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: I used PayPal to invoice a client. The client was expecting to see my business name on the charge statement, and only saw PayPals. The client requested a charge back due to confusion about the charge, then reversed the charge back. PayPal staff today admitted that the charge back had been reversed and that they have had the funds since XXXX XXXX, 2016, however they failed to disclosed or report this to me for over a month per their user agreement. Instead, multiple parties and actions from PayPal have led me to believe they had no information about the funds. ( If there is a hold or a reserve, they are still supposed to disclose that they have the funds ). PayPal has urged me to invoice the client twice, urged me to pay my clients bill, shuttered my account, failed to review the exhibits I submitted in a timely manner, and are having their collection department call me about funds they already know that they have, and are withholding from my account. They have taken up many hours of my time and required me to offer concessions to the other party involved in the transaction. My impression is that PayPals internal process and the information they provide to consumers is intentionally limited and confusing, and has been designed this way to generate duplicate payments and fees for PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my wallet was stolen. someone tried to open several credit cards in my name.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was listed as a potential victim of the Equifax cyber-hacking. Upon checking with their website it confirmed that I was probably a victim of the thefts. It allows for 1 year enrollment in an identity protection product without allowing the pursuit of litigation, restitution or arbitration. I am very worried that I will be a victim of identity theft as a result of the data breach. I would like to be able to retain the option to recover stolen funds, or funds spent protecting my identity from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX and TransUnion are not investing nor providing the method of verification for the following item : XXXX XXXX XXXX IL XXXX / XXXX Additionally, how are XXXX and TransUnion able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX CLOSED Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at XXXX to learn more.

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 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XXXX XXXX I received an email from USAA for a {$XXXX} sign on bonus for getting a USAA preferred cash rewards credit card, I followed the link in that email, applied and got approved. Made at least 29 different qualifying transactions and paid bills on time, etc.. 9 months later, 3 or 4 phone calls and no {$XXXX} credit to account. 

Email dated XXXX/XXXX/XXXX below : XXXX, you 're pre-selected! 
Enjoy all the benefits of a USAA XXXX XXXX XXXX XXXX XXXX credit card, plus take advantage of these offers : Get a {$200.00} reward bonus when you are approved for this credit card offer and make XXXX qualifying purchases by XXXX XXXX, XXXX. 
Enjoy a 0 % introductory APR on all purchases, balance transfers and convenience checks until XXXX XXXX, XXXX. After that, your Regular APR of 12.15 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2 Earn 1.5 % UNLIMITED cash back on every purchase. No annual rewards cap and no categories to restrict how you earn.3 No annual fee. No penalty APR. No foreign transaction fees. 

Similar promo emailed to me on XXXX/XXXX/XXXX as well ( below ) A {$100.00} statement credit when you make XXXX Qualifying Purchases by XXXX XXXX, XXXX {$0.00} introductory fee for each balance transferred by XXXX XXXX, XXXX. Each balance transfer and convenience check that posts after this date will receive the regular balance transfer or cash advance fee of just 3 % or {$200.00}, whichever is less. 

0 % introductory APR until XXXX XXXX, XXXX on all purchases, balance transfers and convenience checks. After that, your Regular APR of 8.90 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX appeared on my credit report. It shows a medical bill from XXXXXXXX XXXX I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS XXXX and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXX really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.

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 05/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This second loan was included in our Chapter XXXX. The court documents show that this loan is to be avoided upon completion of Chapter XXXX. We have completed and received our discharge on XXXX 2015. The loan servicing company America 's Servicing Company which I believe is a Wells Fargo company has been sending me statements and bills up to this date. They have been reporting this account as a charge off to credit bureaus. This is clearly a violation of the bankruptcy discharge injunction.

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 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have XXXX Private Student Loans with Navient. 
The combined original amount was {$8400.00}. I have been paying 5 years on these loans at about {$110.00} per month. 
The current loan balance is {$9600.00}. I have contacted Navient regarding my balance they are very vague and unwilling to give full details how much is applied to principal and unwilling to agree to a lesser pay off amount. It seems no matter what I pay the pay off date will be XX/XX/2025 and I want to pay them much sooner and Navient is unwilling to work with me or give me details of how interest is compounded.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I filed bankruptcy in XX/XX/XXXX not XX/XX/XXXX and I have never lived at XXXX places shown on my credit report. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage LLC is reporting my loan history inaccurately to the credit bureaus ( XXXX & XXXX ) stating that my Status, which is defined by the Bureaus themselves as " Condition of account when last updated by creditor or otherwise '', as " Pays 91-120 days '' when the current status is Paid off. When I call their phone number and enter my loan number the automated response literally states my last payment amount and says the words " paid off ''. Admittedly I was at one point 3-months behind but caught up the loan when settling the loan and the offer of the note holder. When I call they internally refer to this settlement as a " short sale '' when the amount I paid them came directly out of my bank account from my income and I did not sell my house until about 9-months after I paid off this account. This inaccurate reporting is severely negatively affecting my credit score which is obviously negatively affecting my ability to get a good loan program and interest when purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted. 
For more information about this issue see DSN code XXXX in XXXX. 


They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent Equifax a second letter disputing accounts on my credit report XXXX XXXX, 2017 and requested That they remove all unvalidated accounts from my credit report. I received no documents showing what they used to verify these accounts. Equifax has not or can not verify any of these accounts and has not returned any documentation within the 30 days from the time they received the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opene d a Barclays Aviator Red MasterCard o n  XXXX   XXXX ,    2017. Ba  rclays cla imed that I would be able to upgrade  my Aviator Red MasterCard to an Aviator Silver MasterCard 90 days  after opening the card.     I calle d Barclays o n  XXXX   XXXX ,  2017 and  was told that the card was n't 90 days old y et ( even  though it wa s ) so  I needed to call back after my  XXXX  statement closed for the system to reflect the age of the card. I thought this was odd, but called back tonight and the person I talked to and their supervisor said that the card ca n't be upgraded and that offer is n't available.     Basically Barclays lied. I 'd like the card upgraded to  a Silver MasterCard, o r I 'd like the account closed and the inquiry removed from my credit report for this false advertising from Barclaycard!

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 01-07-2016 about Consumer Loan (Installment loan) with CONSUMER PORTFOLIO SERVICES, INC. (FL).
Issue: Managing the loan or lease

Complaint: I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In reviewing various statements from Owen Loan Servicing # XXXX, which was transferred from XXXX XX/XX/XXXX. There are various discrepancies that need clarifying.The original loan amount was {$640000.00}. Why does the statement say, {$640000.00}. Additionally, I need a breakdown of all costs that the transfer of the servicing to OCWEN such as the alleged interest in the amount of {$120000.00}, alleged Late Charges, {$7200.00}, alleged Escrow advances, {$75000.00} ( copies attached ). In addition, on XXXX of the statements that name at the top of the letter says XXXX XXXX on my account. I need to know why would another person be on my account with my loan address, unless this account in fact does not belong to me. Also in the payoff statement dated XX/XX/XXXX, which has the name XXXX XXXX, and my address, how can the amounts be verified is another person 's name is on my loan. 
I would appreciate your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Despite the fact that I filed for bankruptcy, XXXX XXXX XXXX is contacting my relatives in an attempt to collect on a debt that has already been discharged in Chapter XXXX bankruptcy

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX XXXXid agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXXXXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX, I called XXXX to make 1 pymt ( XX/XX/XXXX ) today {$730.00} on acct # XXXX. Spoke to rep id # XXXX wanted to charge me additional fee of {$12.00} to make pymt. I advised never have been charged a FEE to pay in past months. I asked for free method of pymt, said I could pay online at no charge. In the meantime I called in to another Wells Fargo # XXXX, and made my other Wells Fargo payment over the phone FREE AT NO CHARGE! I asked the rep id # XXXX could she also take this payment, looked it up and said no you have to pay a FEE to make this payment? But I could go online. When I sign into online the message is : Your MORTGAGE ... XXXX is not currently eligible for online payments. ETC. So I call back AGAIN and spoke to rep id # XXXX, explained this is my 3RD CALL  attempting to make this payment and she took the payment with NO FEE. This company is making it impossible for me to pay without more FEES/bouncing place to place. Inconsistencies throughout the company. Are n't they being fined for over charging fees already? Unfair practices, one person charge fee other person is not. Discrimination Make you jump through hoops to pay.

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 12/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Chase, along with other banks, have a deposit cut-off time. For Chase this cut-off is XXXX EST/XXXX CST and deposits made after this time are considered next day deposits. The problem with this cut-off time is that if a transaction, like ACH payment, hits the account after this cut-off and causes the account to become negative ; the consumer is not given the opportunity to deposit funds to avoid being penalized with an " overdraft fee ''. If the bank has a deposit cut-off time then it should do the same for transactions posting to the account. How is this okay or fair to charge a fee without giving the consumer a fair opportunity to deposit funds to avoid getting fees? 
I voiced my concern to Chase by opening up a complaint which I was told I 'd hear back from a manager within 2 business days and it has now been 3 weeks with no contact from anyone at Chase. 

Yes, in an ideal world, if you know a bill payment is going to be taken out of your account be prepared and have the money in the account. But that is not the case for myself nor for many other families getting by living pay check to pay check. If I barely have the money to pay my bills, I definitely do n't have the extra money to pay fees to any bank including Chase.

Company response to consumer: Closed with monetary relief