milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (UT).
Issue: Making/receiving payments, sending money

Complaint: Paypal is actively allowing sellers to take advantage of the friends and family option to scam buyers. I was prompted to buy an item using the friends and family feature from a seller I met through facebook. After not receiving any item of monetary value from the seller, I started to question if I had been scammed. At this point in time, about a week later, others started to come forward and express that they too had been scammed by the buyer. After contacting ebay about this situation, submitting proof of all the wrongdoing by the seller, and submitting an ACH claim through my bank, I was simply told that paypal was unable to do anything. The sellers account has already been flagged for multiple reversals and refunds, my account of 10 years has no history of black marks on it. I have submitted proof of this seller being a scammer, and have been told by other buyers that they were able to get their money back from paypal after this issue had occured to them. I am now stuck without being able to get paypal to do anything about this fraudulent seller being able to use paypal without repercussion. The seller has violated terms and services by prompting the buyer to sell as friends and family. I was duped into using this service and have now been scammed in the amount of {$160.00}. Paypal is taking no steps to get this money back from the scammer and back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I opened a Kohl 's credit card in 2014. I have found that this company uses false advertisements and underhanded business practices. Since I 've had the card, I 've tried to maintain a XXXX balance. My first interaction with this company and it 's misrepresentation resulted in me doing a survey where I was to received {$50.00} of free merchandise for filling out the survive. I wound up being charged {$69.00} for a promotional product that should have been free. I had to have my bank reverse the charges and dispute it to get my money back. The second incident, involved me returning a gold chain that broke after a week. When I returned it they did n't want to give me the full price I was charged because I used {$20.00} Kohls cash that they gave me to use in the store. The last incident, which prompted this complaint, involves me having to pay late charges on an account that should have had a XXXX balance. I am having to paid {$14.00} out of {$48.00} of late charged on a {$32.00} balanced I was unaware. The last payment I made to XXXX out my account was {$250.00} in XXXX. I was given this amount from the in store personnel. Unknown to me, the amount I paid left a balance of {$32.00}. I received no further billing correspondence from Kohl saying I owed anything. Since I was under the impression I owed nothing not receiving a bill was ok. I received numerous promotional correspondence but no bill. I made a purchase at the store XXXX XXXX and had no issues with the card, 2 days after the purchase and 2 days before this complain, I get a call from Kohl stating That I owed {$89.00}. I was informed that I owned {$32.00} balance and {$48.00} in fees. At that time, the representative willing to discount all the extra charges and I was only to pay {$32.00}. I tried to discuss with the Kohl 's representive at the time but I had to do my due diligence and go through my paperwork. I discovered that indeed I did owe {$32.00}. When I called back, that 's when they refused to discount the total fees and told me if I did n't pay My account would be reported to the credit bureau. They refuse to give me a supervisor or a name or number to someone else to talk to. I would like you assistance in resolving this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, TransUnion and XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, TRANSUNION and XXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have had ongoing issues with the servicing of my XXXX XXXX XXXX XXXX XXXX XXXX for almost four years. I have provided great detail in the attached document to assist Barclays in understanding the depth and breadth of the issues, but to summarize for the purposes of this submission form, my complaint pertains to the following : 1 ) Incorrect credit card numbers tied to my account ; 2 ) Incorrect persons named as the primary and authorized users on my account ; 3 ) Refusal of Barclays to update my name on my account to my married name despite my having submitted all required documentation ; 4 ) Years of website issues constantly preventing me from accessing my account ; and months of new issues preventing me from using most features of my account. These issues occur regardless of browser and regardless of device. I can not see or print statements ; can not see or use earned miles ; can not pay my bill online, etc. IF I am even able to login, I get errors " Ooops! That was n't supposed to happen! '' or " Uh oh! Something went wrong. Please try again later ''. 

Again, you will find that I went to great detail in the attachment in providing background in hopes that it will assist Barclays in finally getting to the bottom of these issues. After four years of frustration and lost time, I hope to see resolution to all issues very soon.

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 05-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Making/receiving payments, sending money

Complaint: I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem. 
Thank XXXXOscar XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2016 about Student loan (Non-federal student loan) with The Cadle Company (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In XXXX I took out a student loan with XXXX. I did n't repay it properly. In XXXX I entered into a Consent Judgment with them. I did n't repay that properly either. The loan was purchased by The Cadle Company in XXXX. They sent a Demand Letter setting the interest at 6.679 %. In XXXX they applied to renew a default judgment. It was granted XXXX/XXXX/XXXX. It was dismissed, and the case closed XXXX/XXXX/XXXX because of non-service. On XXXX/XXXX/XXXX they filed to reopen the case. It was granted on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they refiled applications to renew default judgment. THE JUDGE DID NOT SIGN EITHER OF THE APPLICATIONS OR ORDERS OF JUDGMENT. ALL XXXX APPLICATIONS AND ORDERS ARE WITHOUT A JUDGE 'S OR CLERKS SIGNATURE WHICH RENDER THEM INVALID according to XXXX. In XXXX they brought the XXXX/XXXX/XXXX judgment to the district court and began garnishing me and had retroactively reapplied the interest of 12 % back to XXXX, when they knew that the order had been dismissed and that no subsequent order of judgment had been granted ( The XXXX reads that it was granted, but the actual judgment for XXXX/XXXX/XXXX is unsigned ). They also knew that the interest rate had been set by their prior document at 6.676 and not 12 %. They also knew that they could not retroactively reapply it back to XXXX as that practice had been deemed " deceptive and in violation of FDCPA by the United States District Court ( See XXXX ). The courts are wrongfully allowing these and many other contradictions to the court rules showing bias for the debt collector. On XXXX/XXXX/XXXX the district court allowed them to renew the default judgment ex-parte without meeting any of the specified criteria like attempting to serve me first, etc. Most importantly, they are ignoring that the judgment that they were allegedly renewing was invalid, because it had never been signed by a judge or clerk. I know that it is also against federal law for them to collect on an invalid judgment and to fraudulently manipulate the interest. I hope that you will act to see that this invalid judgment is set aside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I sent a complaint to chase XXXX handle Saturday in regards to them cancelling my card,due to fraud, and I explained to them that the nearest chase in 30 minutes away. I have XXXX XXXX kids. No car. I use XXXX so I need my card so the rep told me that she would have my card rushed. It is now Friday

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are incorrect addresses and a incorrect name on my report. I was told to send in proof of address and name which I did and the reporting agency, EXPERIAN, did n't remove it like they said they would. It 's illegal to report inaccurate information.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hi there is XXXX accounts In collections Again on my Credit report Equifax only, These Identity and Financial Fraud happen sometime ago and was removed from my credit report. You guys also help with that issue a fee years ago. XXXX Equifax put it back on? Knowing its fraud. I have also submitted all info and I was living out of the country at the time of fraud I just returned late XX/XX/2015 and now just say this back on my Credit file. Please remove XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Vehicle loan) with DriveTime (SC).
Issue: Problems when you are unable to pay

Complaint: Drive Time has to be the worst company by far. After being harassed the first time around the company still can not get it together. I had to put money in to my car which my warranty did not cover, I faxed all the information requested months ago for deferments which the people I spoke with several times had stated was approved. But due to a payment becoming a few days late because my account was froze due to fraud they did not process the deferment. Which is causing it to show that I am behind {$700.00} + on my credit report. So when I contacted them again after numerous times of keeping in contact they told me to call back at the beginning of the month to start the deferment process over again. Well I called today and of course they could n't do it for the full amount they stated they would before and I have to fax where I had the repairs done again with the receipts ( which I do not have because I already faxed in to them once ) before they would do anything. I advised her that I do not have those why did her company not keep them on file and she stated they have no place to store them. Company 's usually keep records of these types of things but apparently not drive time. They go out of there way to make it difficult for anyone. Granted I have had this car for almost 3 years and my loan has n't budged due to the interest they charge. The car is falling apart and the company refuses to work with you. They can just have the car back. Its not worth the hassle or the headache or {$470.00} a month. All they do is take advantage of people and ruin there credit even more. I have recorded each call and plan on speaking with my attorney again due to this situation. Others should know how horrible of a company they are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 've tried repeatedly to reduce the interest rate on my student loans, have been denied and advised to take out a personal loan. With a bankruptcy on record, this is not an easy endeavor. I have paid {$21000.00} in INTEREST on my student loans ; {$3400.00} has been applied to the principle. This is absurd, and I will NEVER be able to pay this off w/out getting a personal loan - which I should NOT have to do. I worked hard to earn my degree, and have a stable, steady job XXXX. Apparently, because my payments are not XXXX % of my total monthly in come, I do n't qualify for any of Obama 's current programs. I feel like I 'm just XXXX, and have no way out. I am submitting a complaint because I think being locked into an absurd interest rate because of the US Government is just ridiculous and totally unfair. I thought the point of earning my degree was to enhance my career and future. All this has done is hold me back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: Last month they called my work when they were previously told not to contact my work friends or family. I told them I would file last month but I decided to give them another shot. But this month ... .They called my parents when it was two weeks late! They had not exhausted all means to contact me. They could have mailed a reminder if they were unable to get me by phone. Instead they harrassed and violated my rights for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have never received a credit report from NOBODY BUT EXPERIAN SAID I ALREADY GOT ONE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Mortgage Account Duplicated on Report, Duplicate is Zero 'd out Sums, and posted a negative hit to my credit rating, there have been Letter Requested to up date, However Equifax Has not responded, XXXX Has corrected the initial issue. 

XXXX Accounts are the same Account #, Also The Reporting is out of date, Attached as well is latest information from the Mortgage Company on what I owe, XXXX, XXXX, and XXXX are all already paid. XXXX paid on XXXX, XXXX Will Be Similar as will be paid last week XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, regarding the purchase Contract signed XXXX/XXXX/XXXX. After seeing the term of the loan in my online account ( 75 mos ), I was confused because my Husband and I both were always under the impression that the term of the loan was 60 mos, and not 75. We have purchased many vehicles, and always pay attention to the terms of our loans.
The Salesman, at the time of purchase, presented us with a deal that reflected a 60 month term. Upon entering the finance department, we were under the impression we were getting the same deal, and signed the loan documents electronically. Myself, nor my Husband recall ever being told the term was 75 mos. We would have never agreed to that duration. I just recently came across this information online, thus the questioning 3 + years after purchasing. I have a signed Sales Contract, which includes a Truth in Lending, but the Truth in Lending was not signed as a separate disclosure.
The Finance Manager at XXXX XXXX XXXX told us we signed the documents, and it would have been explained to us at the time of purchase. He is right, we did sign the Contract, and the terms SHOULD have been made clear to us, but they were not. 
I feel like we were baited and switched with the terms of our loan, without our realizing it.

Company response to consumer: Closed with explanation