milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Transaction issue

Complaint: XXXX XXXX - Purchased XXXX items from XXXX sellers on Ebay. Checkout with Paypal funded thru Paypal Credit. Only XXXX item crossed out of cart, but received email payment confirmation from Paypal. 
XXXX XXXX - Received Unpaid item notice from Ebay. Contacted Ebay and told the issue was with Paypal. Transferred to Paypal and informed there was a " known issue ''. Assured payments were made and situation would be resolved. 
XXXX XXXX - Items remained in Ebay cart. Contacted some sellers, but Ebay limits number of emails. They have no record of transactions. Called Ebay. Told to have 3 way conversation with Paypal, but Paypal must initiate, so transferred and lft on hold for nearly 2 hours until phone battery died. Attempted email contact with Paypal. Asked them to either verify that the transactions had gone thru and the goods would ship, or refund the {$460.00} back to the credit account so that I might be able to pay off the balance and close the account. Received moronic replies. 
XXXX XXXX - Contacted Paypal after receiving emails from several sellers stating that they had no record of any transaction. Polite CSR, but essentially no help. I can not get my funds back without waiting for the merchandise that is not going to arrive to not arrive and then file a dispute and then wait for that. If I needed my merchandise before that lengthy process, I would have to reorder it and take the risk of receiving XXXX items and being responsible to ship the items back at my own cost. I inform him that I will try again with the sellers to resolve. 
XXXX XXXX - Back on the problem when I detect that Paypal has removed {$54.00} from my personal bank account for one of the sellers that I had been so reassured had been paid thru Paypal credit. This charge does not show up on my paypal account so I again contact Paypal and inform them that I have a serious problem and I need the account ( s ) resolved and closed immediately as funds are disappearing from my bank account without authorization. I was placed on hold for about 20 minutes until the line disconnected. 
Now I am begging for help. Paypal and Ebay have made a huge mess and they blame each other and neither will clean it up while they both have access to my bank accounts and credit cards and I can not get away from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Credit determination

Complaint: I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: There 's been a gross miscarriage of justice committed by Wells Fargo Bank with regards to my mortgage. My XXXX family home is in XXXX XXXX, and when Hurricane XXXX hit, I was a XXXX resident. I have since moved back into the home. I received no FEMA assistance, because I did not occupy the home. There was a foot of water in the house. Wells Fargo offered me XXXX six month payment moratoriums and promised to put the arrears on the back end of the loan, via a mortgage modification. Wells Fargo then sold the mortgage to XXXX in 2013 for a mortgage backed security issue, and the terms of the payment moratorium and mortgage modification changed. The new investor then demanded the full sum of the payments and my home is now in foreclosure. The investor will not give me a modification, after numerous attempts. The investor is uncooperative and has stringent modification terms, which are unattainable. There has to be a regulatory agency that can thwart this illegal act. Wells Fargo is culpable, the XXXX mortgage back security is culpable and I 'm now at the end of my rope, fighting to keep my home. I do not qualify for the XXXX Homeownership protection program because my income is $ XXXX above the maximum. I 've poured my blood, sweat and tears into my home. I 've sought legal counsel, who could not stave off this investor. I do not qualify for HAMP, because this is an investor loan. I 'm one of the forgotten homeowners who can not benefit from any of the government mortgage programs that were put forth by the Obama administration. From a debt to income standpoint, I can afford the mortgage. Affordability is n't the issue. I 'm pleading for your assistance with this issue. There was a summary foreclosure judgement entered recently. I 'm running out of time. Please assist me. I look forward to hearing from someone from your office. Thank you so much for any assistance that you can provide.

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 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the information on my credit score is all over 7-10 years old i got hurt at work XX/XX/XXXX and tried to go back to work XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX we lost our home to our a fire. The home was a total loss and in accordance with Georgia law, our insurance company paid us the coverage maximum on our house. We endorsed our payment check and sent it to our mortgage company Nationstar Bank in XXXX XXXX. Since recieving that check, Nationstar has not been of any assistance to us at all. We originally told Nationstar that we were going to act as our own general contractors to which they said fine. we started taking the steps to rebuild our home and 6 weeks later Nationstar told us that we could n't build our own home. We called them and explained we were n't actually building the house but would be managing the sub-contractors who would be. They said fine. At this time I clarified payment procedures and was told what I needed to submit in order to get the sub-contractors paid. I followed up this conversation with a written letter confirming what I had been told. 

As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Savings account) with SCOTTRADE BANK (PR).
Issue: Account opening, closing, or management

Complaint: Have an account with Scottrade for years. Suddenly after all the fees, they keep on processing trades then tell me I am longer able to be part of the Scottrade family. The problem they said I was bumping prices. I have had a small account, ca n't really raise the stock price, but on their end they have ask and bid prices which are XXXX lot of time. I see them completing trades below the ask prices, what a bunch of crooks.

Company response to consumer: Closed
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Bank Of America reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ).  I have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail. Bank of America shows on the report with the telephone  XXXX  and address of Bank of America  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from bank of America Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my reports  ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I woul d not have been  XXXX  in  2004. This  account  XXXX   XXXX  and Bank of America need to be removed for many reasons ans the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 10/19/2017 about Debt collection (Other debt) with Penn Credit Corporation (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster.     Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted about a debt that was supposedly due more than 2 years ago. The medical company was given full payment after insurance determination and then six months ago, they decided they want {$55.00} more without informing me as to why the barge was created out of the blue. Financial recoveries is not confirming the validity of the charge and the time frame allowed to make banged to already settled accounts before hassling the customer and ruining the bank balance and good credit. They must be prosecuted and not allowed to practice debt recovery.

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 07-03-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.

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 12-11-2015 about Credit card () with CITIBANK, N.A. (HI).
Issue: Billing statement

Complaint: City Bank/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (I do not know) with ATG Credit, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ATG Credit calls my office weekly for a person unknown to me XXXX XXXX XXXX - last name may be misspelled XXXX. It 's a disruption to my business. I spoken with a representative to advise them they are calling a wrong number. They were inconsiderate and continue to place these calls. I have records of the calls and saved voice mails.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Goal : Getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report and loan in Deferred status. 

I have a private student loan that has been sold to University Accounting Services ( UAS ). 

I am a current XXXX full time student in a four year university and am concerned about improper reporting on my credit report. I have taken time off school but have been in full-time attendance from XXXX - Present and would like the delinquency on my credit report for these months taken off under deferment or forbearance. I am not currently employed while I am in school. 

I have called the following times to the company in order to resolve this issue. 

XXXX XXXX - called and talked with XXXX XXXX XXXX - called and talked with XXXX and sent in Deferment forms to XXXX XXXX XXXX - called and talked with XXXX and XXXX XXXX XXXX - called and talked with XXXX XXXX XXXX - Got a call from XXXX saying he would communicate with my client rep XXXX XXXX - called and talked with XXXX XXXX XXXX - emailed XXXX XXXX XXXX - called and talked with XXXX to confirm once again that the loan was private XXXX XXXX - called and XXXX mentioned he would email/talk to my client rep for an update and send me an email of confirmation ( never received email ) All calls since XXXX were under the goal of getting my delinquencies from XX/XX/XXXX - Present expunged under my credit report. The company has not been very helpful in giving me the options I have available to me given my student status and financial situation. They will not let me talk to the client rep in charge of my account, instead I have to talk to a proxy ( XXXX ) who then says he will communicate anything I need to say to the appropriate parties. 

I am not disputing the validity that I borrowed for student loans, I would just like credit report to reflect the truth of my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FCI Lender Services Inc. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have reached out to the company, my lawyer has reached out to the company and my first mortgage lender ( XXXX ) has reached out to the company but FCI Lender Services Inc. XXXX # XXXX has not responded. Their website does n't work and i have contact customer service several times. I am trying to get into a harp program on my first mortgage and they have failed to subordinate the second and are basically blocking me from refinancing my first mortgage. The house is XXXX XXXX and the loans are about $ 100k more than the value of the home. I am willing to continue paying and would like to do the right thing but if this is n't resolved before XX/XX/XXXX, I will have no choice but default on my first mortgage.

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 02/24/2016 about Credit card () with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Closing/Cancelling account

Complaint: Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent Equifax breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

Company response to consumer: Closed with explanation