milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Unauthorized transactions or other transaction problem

Complaint: Using PayPal in attempt to send money to a friend for a purchase, I typed in the incorrect paypal email and sent {$120.00} according to PayPal he 'll receive it XXXX/XXXX/18 but there 's nothing I can do but ask him to send it back. If he declines to send it back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied for XXXX loan forgiveness two years ago and was denied. I was upset and let it be for awhile. This summer ( two years later ) I looked back into XXXX loan forgiveness and called the loan provider. We figured out that I was denied because of a misspelling of my schools name on the XXXX XXXX. My loan provider told me to reapply with the misspelled name and about a month later I was granted XXXX loan forgiveness! So I, myself, did indeed meet the criteria to have my loans forgiven two years ago. I have been trying to get reimbursed for the two years I was wrongfully paying. The loan provider did a ombudsmen report and says they will not reimburse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (DC).
Issue: Problem with customer service

Complaint: Ive recently discovered 2 Cashier Checks dated XXXX  purchased from XXXX XXXX XXXX which is now WELLS FARGO BANK. 
After purchase, I travelled overseas on assignment, as I travelled extensively as a XXXX XXXX. 
Once I established this fact, I tried cashing said Cashier Checks and was told they were too old and must call the State Treasurer or call Customer Service. 
Customer Service, XXXX, in Idaho, assured me there was no problem because said checks were OFFICIAL CHECKS and had NO EXPIRATION date and directed me to go to WELLS FARGOs main Branch on XXXX XXXX XXXX. Washington, DC, and attempted to secure an appointment for me with the Branch Manager to make it easier and faster, but XXXX XXXX was unable to set that up due to some Electronics problem. 
I went ahead to that Branch, only to be denied cashing said Checks due to their age as too old. 
I called WELLS FARGO Customer Service again, and again they were dumbfounded as to why their Branch/Branches were not honoring such checks. 
Then I was given a phone Number to call in order to be reissued a REPLACEMENT CASHIER CHECKS, but the Phone Number provided by WELLS FARGO reached XXXX XXXX? 

Thus, I file this complaint in the hope of recovering my money.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST HERITAGE CREDIT LLC (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (PA).
Issue: Managing the loan or lease

Complaint: Sierra auto charges their customers over {$100.00} a month if they are over 10 days late ( contrary to how their contract reads ). Their payment system processes their payments as cash. Most major credit cards have a cash limit that does not meet the price of the monthly payment. By having this in place and not working with their clients to change their due date, Sierra is forcing people to pay way more than originally agreed upon. I am over XXXX into a XXXX loan that has an additional XXXX in financing charges. My payoff is close to XXXX and a supervisor has not called me back in three months to give a decent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed 2 new accounts on my credit report that I didn't recognize for a company called Debt Recovery Solutions LLC. I contacted the company and asked them to please explain how these accounts were opened in my name and to please send me the necessary documents so that I may verify the debt. The man I spoke with said the account had my name, address, and SSN, but the birth date was not mine. I know for a fact that I did not open any accounts recently and that these accounts are not mine. Yhe man said he would send me the documents right away and they never came. I disputed the accounts with XXXX and there is an active investigation. I checked my report again yesterday and found the accounts still under investigation. I also found 7 additional accounts were opened on XX/XX/2018 with the same company : Debt Recovery Solutions LLC. A total of 9 fraudulent accounts were opened without my knowledge or consent and the company knows this was not me but they are doing nothing to stop the activity.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: While in the process of getting a loan to purchase a house, I was informed that I have a Chase credit card on my name, which is in delinquency and I was reported in the credit bureau. I never opened such card or had any knowledge about it. I called Chase to find out more information. They told me that they were going to assign the case to a fraud investigator and they were canceling the account. It was clear in that conversation that the card was not opened by me and it could be identity theft. I was told that I would receive some paperwork by mail in max 7 days in order for me to sign and return and they will continue with the investigation. Upon my request, a supervisor was able to tell me that they will send a written communication by was stating that the account was closed and an investigation was being started. Almost a month had past and I have not received anything. I called again and asked for some proof of cancellation and the initiation of the investigation. I need that so I can provide it to the Bank where I am processing the loan for my home. I had to speak with many people again, explained the situation. I was transfer to a messaging service of the investigator assigned which is on leave for three weeks and you can not even leave messages. Called again and asked CHASE again for a communication in writing about the status, that the card has been canceled/closed and the investigation is in process. After almost two hours and transfer to many people and departments, they say they can not provide anything. They even said this time that no information is being sent by mail or fax. My credit is affected and I am only requesting a letter stating the status of the account. Nobody in CHASE take responsibility of informing a customer in writing the status of the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notice from General Revenue Corporation that I owed a debt to XXXX University. I advised General Revenue Corporation that I dispute the debt and do not owe this money. I also advised them to validate the debt or cease collection efforts until it is validated.I further contacted XXXX University and requested debt validation. Neither company has responded to the validation request and have continued to allow this erroneous debt to remain on my credit bureau reports. I have filed further complaints in regard to the university with the Federal Aid organization, the FTC, and the XXXX. I do not owe this debt to XXXX or to General Revenue Corporation. I insist this item be completely removed from my credit report immediately and collection actions are to cease. This debt is a result of XXXX certifying eligibility for financial aid then returning the grant and erroneously billing my account for balances incurred AFTER I was notified of the error and withdrew from the school. Falsely certifying financial aid eligibility, retracting it and billing students is against federal law. I have filed complaints with the appropriate agencies.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX Servicing I requested a fraud affidavit they never provided. This is not my debt a d should not be on 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 07-11-2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 I wrote to Central Financial Control letting them know that the reporting showing on my credit report is not accurate. I had to write again on XXXX XXXX asking them to validate the debt and provide me evidence that this debt belongs to me. They have failed to respond to either of my requests. I also wrote to the Credit Bureaus who were of no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NJ).
Issue: Trouble during payment process

Complaint: I recently received my annual escrow account disclosure statement. The company claims that there will be a shortfall this past year and is attempting to add to my monthly payment by approximately {$500.00} per month.   The calculation is fro m  XX/XX/XXXX  through  XX/XX/XXXX . It shows a total of {$20000.00} being paid towards my real estate taxes. The  payments are shown to be as follows  :  XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX  As can be s een, 6 quar terly payments were calculated into 12 months. My actual taxes are  XXXX  per year and not the more t han 20,000 that t hey are claiming.     Even if, as they have done, paid the second quarter of  XX/XX/XXXX  late ( in  XX/XX/XXXX   )  and the second quarter of  XX/XX/XXXX  early ( in  XX/XX/XXXX   ),  it would only b e 5 payment s and not the  6 th at they are claiming.   Attached my tax statement showing that I am paid up through the second quarter of  XX/XX/XXXX  with o nly 5 payments, not 6 as has been claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (VA).
Issue: Fraud or scam

Complaint: IRS says my funds were released on XXXX/XXXX/16 to my Netspend account that I 've had for years. A couple days go by and I still do not have my funds. When I call customer service it 's always someone Foreign who I can never understand. They tell me I need to check with IRS about my money. I should n't have to check with them when my direct deposit is with Netspend!! So I get on Netspend page on XXXX and seems like everyone is having the same issue. People opting for the Netspend card when they filed their taxes and no money. Turns out that Netspend has rejected everyone 's tax refund and now IRS will be mailing out a check on XXXX/XXXX/16. I had plans to move my family on a certain date now I ca n't thanks to Netspend not giving me the money that I have earned. They keep lying on their page instead of telling people the real truth on where their money is. The customer service sucks and they do not care about their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was sent an email from XXXX XXXX XXXX XXXX offering to apply a hardship forbearance to a payment I was running behind on. The email advised me to reply help and my account would then be reviewed for a hardship forbearance. On XX/XX/XXXX I received a notification from Nelnet advising my forbearance had been approved and my next payment would be due XX/XX/XXXX for my regular payment amount of {$160.00}. To confirm this, I also logged onto my Nelnet account to verify I no longer reflected a past due balance. Today ( XX/XX/XXXX ), I received a statement advising I have a past due balance as well as a subsequent balance due on XX/XX/XXXX. I called Nelnet to discuss the discrepancy and was advised by multiple agents that the system made an error and that I did not qualify for the previously offered and applied forbearance ( 3 days before my due date ) leaving me unprepared and subject to a negative credit mark for an error that was not on my part. Nelnet has advised there is nothing they can do to help me in this situation and they will review the system however, they will not be able to provide me with feedback on what went wrong and if its been fixed. This means myself and other unsuspecting borrowers are subject to experience this issue again in the future which is completely unacceptable for an organization that has the ability to impact credit reporting and the livelihoods of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with U.S. BANCORP (MO).
Issue: Transaction issue

Complaint: U.S. Bank withdrew {$390.00} from my personal checking account ( also with U.S. Bank ) to pay a business credit card account without my authorization or permission, and without providing me notice. They claim they sent me an overnight letter via XXXX on XXXX and the money was taken from my personal checking account at XXXX on XXXX. I never received such a letter.

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 04-12-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: Evidence is attached of Fraud by Wells Fargo and the Arkansas Tax Collector for XXXX County. Attached is one of thousands of examples resulting in $ Millions of dollars of Fraud to Wells Fargo customers in the State of Arkansas : 1 ) For example 2015 Tax Payment Receipt # XXXX is listed as a bulk lot payment of {$11000.00} for several parcels with Escrow holdings by Wells Fargo. However when you go into each tax record individually several of the Tax Parcels claimed to have been paid by Wells Fargo were actually paid by the Homeowners themselves or other Escrow Holding Companies. Not Wells Fargo. 
XXXX 2 ) This intentional mis-grouping of tax payment records results in an opportunity to steal in the tax collectors office and the opportunity to send money tagged as " over-payment '' back to Wells Fargo Executives. This is intentional deceit and intentional theft. 
3 ) With this fraud scheme Wells Fargo Executives overcharge the Escrow accounts of mortgage customers, then intentionally send over-payment to County Tax Collectors in Arkansas. Wells Fargo cleanly benefits when money is returned to them by the Arkansas Tax Collector as " over-payment/duplicate payments '' for accounts that have already been paid by other parties. 
4 ) The Arkansas Tax Collector keeps some of the " over-payment/duplicate payments '' in a holding fund for disbursement as they see fit. The Tax Collector and Bank Officials conspire in advance how much money will be overpaid and held each year. The Arkansas Tax Collector knows that Arkansas State only Audits the Summary Tax Records which show the Banks payments were legitimately accounted for : No one checks the individual tax record descriptions which show Wells Fargo was returned funds because that parcel tax record was already paid by another party. 
5. There are thousands of Examples of Fraud currently on the XXXX County Tax Assessors website especially in XXXX County. False Summary Tax Receipts List " WELLS FARGO REAL ESTATE TAX SERVICES '' as the Payee of Parcel Tax Records that were actually paid by the homeowner or another Escrow servicing company. The misapplication of tax dollars represents $ Millions of dollars of Fraud. 
6. Examples of Fraud are provided in this Compliant.

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 03-07-2018 about Debt collection (I do not know) with Forster & Garbus LLP (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: From XX/XX/XXXX to XX/XX/XXXX foster and garbus garnished my check bi weekly each pay period by 100 or  more dollars.

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 06/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Sale of account

Complaint: Capital One is reporting in accurate and have deceptive practices causing me and my family severe financial hardships. Capital One sold the debt XXXX 2015. They no longer own the debt however in the past 3 months they have been removing the account from all three credit agencies XXXX, XXXX and XXXX then adding as a new account by changing the opened date from XXXX XXXX to XXXX XXXX. Doing this in XXXX every 2 days recently. And practicing this practice every month prior.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.

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