milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: On XX/XX/2017 I ordered three items on line from XXXX and XXXX Order # XXXX. I used my PayPal account to pay for the transactions. I did not receive any of the items that I ordered by XX/XX/2017 so I called the company. They said they did not have the hat. PayPal had already billed my credit card. The company then sent me the top and necklace but not the hat. I contacted PayPal to dispute the charge on my credit card when the seller had not sent the item, did not have the hat in inventory, and refused to let me cancel the order for the hat. PayPal told me they were handling the matter with the seller. They gave the seller 10 days to answer the complaint. I talked with people in the XXXX in the customer service who did not understand the problem and did not try to help with a resolution. Today I received an email from PayPal telling me that in order to cancel the hat I have to, at my own expense, return the top and necklace, otherwise I have to allow the billing for the total amount of the order ( {$200.00} ) and they do not have to fulfill the complete order. This is a total ripoff of the consumer. They should not be allowed to do this to consumers!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Trouble during payment process

Complaint: What is this complaint about? Mortgage company What type of problem are you having? Mortgage payment fraud and non payment of escrow credit.
What happened? On XX/XX/XXXX, the XXXX XXXX XXXX, VA, Treasurer 's office sent proof by letter and telephone confirmation of my XXXX XXXX tax exemption for being ( XXXX XXXX XXXX ) rated at XXXX XXXX. In turn, a tax credit in the amount of {$3700.00} is owed me. However, OCWEN continues to hold this escrow credit and refuses to remit payment to me as supported by law. This letter served as official notification to OCWEN to stop collecting property taxes via my mortgage escrow account. As of date, I have spoken with several OCWEN representatives and received conflicting information about this matter. For example, I am being told by OCWEN that an " escrow analysis '' is needed. To date, each of my inquiries to OCWEN I 'm told " another '' escrow analysis is needed so far three have been done with no resolution. Another telephone conversation with OCWEN, I was told my mortgage payment went from $ XXXX+ to $ XXXX+ for the XX/XX/XXXX payment. Instead OCWEN sent me a monthly statement for XX/XX/XXXX in the amount of $ XXXX+ with {$780.00} of " escrow '' which I am " exempt '' from as of XX/XX/XXXX to Present. I am now dealing with an OCWEN employee from the " Research Department '' named XXXX at ( XXXX ) XXXX ext. XXXX. I spoke with her on XX/XX/XXXX as she informed me she would be ordering a new escrow analysis ( 4th one ) and handling my matter going forward. I told her that I will not submit a monthly payment as my mortgage payment is incorrect, I do n't know what is going on with my account, and that OCWEN is committing fraud by intentionally misrepresenting my account and refusing to refund my escrow credit only offering excuses of internal systematic miscalculations. I am very angry and very confused about the entire matter with OCWEN. I seek immediate assistance for this complaint.
What company is this complaintabout? OCWEN Who are the people involved? Research Department ( random employees ) As of XX/XX/XXXX, XXXX at ( XXXX ) XXXX ext. XXXX

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied as a cosigner for an apartment. I did not expressly authorized the landlord for a Hard Credit check on my credit report, but still a hard credit check was performed by the company CoreLogic. I have reached out to them and they refuse to remove the inquiry saying that I authorized it, when in reality it is not expressly stated that I signed for a hard credit check to be performed

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 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline. 
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX consumer complaint for same issue. 
There was no explanation given why I answered XXXX questions as someone else to obtain my credit report. There needs to be actual communication with me, the consumer, and resolution. It is unfair to close this by saying " it appears you are not being confused with someone with a similar name '' when I clearly am! 

You need to look at the XXXX initial security questions the online site asked. In my first attempt, I could not log on answering the questions as myself. I tried again about XXXX hour later and XXXX of the XXXX questions were geared for my sister in law, XXXX XXXX XXXX. ( XXXX XXXX did you live in 2002, answer XXXX XXXX, XXXX, what was your phone number, all XXXX area code numbers ; I have NEVER lived in XXXX, she just moved from there!! ) I consulted with her and successfully answered them as she advised me. I was then given a XXXX additional security question regarding the type of car I currently own. The correct answer was a Ford Fusion, which is what SHE owns, not ME! 

I agree I was eventually able to log on and check my free credit report the 2nd time answering the questions as her, not me. I do n't believe Trans Union has done enough at all to verify where the confusion IN THEIR SYSTEM is from. Please research, fix it, and advise. Thank you.

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 06-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX ( Synchrony Car Care ) Charge of {$1700.00} on acct. Interest {$280.00}. Charge of {$25.00}. Payments of {$1000.00}. Co. claims balance of {$1400.00}. CS and CEO office not helpful. Initial charge on XXXX XXXX, 2016 of {$1700.00} and {$1000.00} payments made. " Deferred interest '' added in for the amount of {$280.00}. Evidently another care of {$25.00}. Payments made online from personal bank account. I called CS this date to clarify and CS related they are unable to access payments but balance of {$1400.00} was correct and due. When asked to transfer to supervisor put on indefinite hold and never answered. Called office of CEO - receptionist referred back to CS general number claiming no alternative to contact accounting department. Called back - operator claimed CEO 's name not available to general public. Company trying to collect {$540.00} in excess of debt. My sense of the company when trying to resolve this was it is somewhat of a game for them and perhaps a business tactic to overcharge consumers. THE COMPANY OFFERS NO VIABLE MEANS OF RESOLVING COMPLAINTS ON THEIR WEBSITE, IN TELEPHONE CONTACT, ETC.

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 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Subject : Closing Credit Card Account- With No Prior Warning Company : Capital One Account # : XXXX Sir/Madame : I am responding to a recent letter received by Capital One received on XXXX in the 'Closing ' of above account due to 'inactivity ' ( over 3 years ). As per the stated letter my account has been closed & within 90 days I have to redeem my reward points. Period. Today, Tuesday, XXXX, I called & spoke to Capital One 's Supervisor, XXXX, XXXX. Escalation Dept & requested measures to re-activate above account with activity. As per XXXX, Capital One has made a Final Decision to 'close account ' & does not allow any  option to re-open with continued activity. I stated to XXXX, I Did NOT receive an earlier letter from Capital One stating the inactivity of my account & more importantly did NOT Give the opportunity to reactivate the account. Instead, I simply received ONE Letter stating both position of my account & the position of Capital One in simply closing my account. Period. This prompt action from Capital One : 1- Will Unfairly Reduce my Business Credit Limits/Access for my business which I rely on & more importantly effect my business for future opportunities. 2- Disrupt my credit score by closing my account. ( i.e. As of XXXX XXXX my credit score is over 800 ) This is an 'Unfair Action ' that Capitol One has taken that has taken & should not be allowed without prior notification to rectify OR simply allowing me the option to 'resolve this issue ' within a reasonable time frame. This is wrong & is not an action to take on a responsible/credit worthy client. Thank you advance for your assistance & I will await both your actions & more importantly the response back form Capital One. Very upset, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AK).
Issue: Advertising and marketing

Complaint: After submitting a complaint Amex ( or their computer ) sent what appears to be an automated response to my complaint that did not even address the specific issues I raised.Please review and respond to the following specific issues : Amex solicited me with an offer using their data base. Before activating the card, I asked the agent to confirm the terms and conditions of the offer ; specifically if I was eligible. I was told I was eligible and I have a recording of the call. I fulfilled the terms and conditions yet Amex denied the benefit. Amex has the data base, they knew or should have known that they had no intention of honoring their solicitation. Amex should not have sent the solicitation and their agent should not have told me I was eligible. Therefore, Amex should honor their offer of XXXX points. 
The Amex response reads like a form letter that completely ignores these salient facts. 
Lastly, I formally request Amex provide information regarding initiating arbitration/mediation of this matter as per the cardholder agreement. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (TN).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I received a confirmation of address change on an account opened by my wife and myself for our minor grandson. We did not request on authorize any changes for this account. We went to the local branch and was told that it was done at another branch but the bank would not give us any information concerning who requested the account information change or who approved it. On XX/XX/XXXX I filed a complaint with Suntrust bank and to date have not received any information on this matter. We have been with Suntrust bank since XX/XX/XXXX.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into

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 01-05-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX, I called XXXX to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage loan because if that was my score, I was ready to apply. I had been in touch with this bank periodically while my score was increasing each month. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by XXXX. The bank refused. XXXX refused to help me in that request.

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 09-03-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Closing/Cancelling account

Complaint: My credit card was shut down without warning. It is an expensive card that I specifically purchased so could have access to airline lounges and collect frequent flier miles. There was a bonus of XXXX miles if I spent a certain amount. I called to see why I was shut down as I had paid in full ( and early ). I was told they could not give me any information while they investigated. I called the next day and was told it was an identity issue. I was asked to fax my license, social security and a bill with my address on it, which I did. I called the next day to get an update on the status and I was told I needed to add the back of the license and social security card, and only a utility bill would do. I refaxed all of those documents. I called back to see if it could be turned back on as I have travel I need to book, but was told that what I had provided was inadequate and there is an ongoing investigation into my identity and I needed to just wait. I asked if I could provide them with anything more and was told no.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I leased a vehicle in XXXX XXXX ( Hyundai Sonata ) and traded it in for a different brand car lease ( Mercedes Benz ) in XXXX XXXX. We received the payoff amount of XXXX XXXX and change, which new car dealer confirmed and paid it off. In XXXX XXXX I received a call from the new dealer that the Hyundai is asking for more money to release the title of the vehicle. I provided the new dealer with several monthly statements that I had stating XXXX balance. A few weeks after providing the new dealer with the statements, I received a default notice that asked me for the payment of XXXX XXXX and change. I have made several attempts to call Hyundai 's default department and no one seems to know what is going on until I spoke to someone high ranking on XXXX/XXXX/XXXX at XXXX hrs who made no sense and stated that payoff amount that we quote is not an actual payoff. 
I have never had such a bad experience with a car company before. " Payoff '' to laymen folks mean " payoff '' and I believe that these people are delaying the process just to send the file to collections. 
Dear Sir/Madam, I really need your help in resolving this matter and can not really afford to be ripped off as a consumer and a law abiding citizen. Please help me deal with this unfair and greedy corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Medical) with GLA Collection Company, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For the past few years my husband and I have been working hard to pay down my student loan debt, making payments to Navient on time and the amount has, for a long time, been {$160.00}. It is pulled directly from the account on the  XXXX  of every month ( or the Monday after if the  XXXX  is on the weekend ) and we are always prepared for it. Today Navient pulled {$210.00}. We were surprised, went back through our email and found one sent on  XX/XX/XXXX  from Navient with a simple subject of " Here 's Your Monthly Statement. '' We do n't normally look at this email because we know the amount that comes out. They changed the amount without properly notifying us, this was the only email we received of the change. I realize we should have been looking at every single email but they send us multiple emails emails a month that usually have nothing to do with our payments. This feels wrong to me and I believe we should have, at the very least, been sent an email with the subject notifying us of the payment change. My husband did contact Navient customer service to complain and they informed him that we were notified there would be a change two years ago. We have attached screenshots of two emails, one of our usual monthly statement and the other of our recent change with the evasive subject line. We are also aware of the ongoing lawsuit against them and I would prefer to be giving my money to someone more trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with MSW Capital, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is an update to Case : XXXX and XXXXCourt date was XXXX XXXX. Attorney XXXX XXXX informed me that they have done all they were obligated to do. While he agrees that this has been going on a long time, they are not obligated to notify me since I disputed the debt. XXXX, XXXX XXXX XXXX XXXX notified me of the debt collection via a letter dated XXXX XXXX, XX/XX/XXXX. In that letter I was NOT informed of the original creditor. XXXX, XXXX and XXXX did not notify me of the original creditor until a letter dated XXXX XXXX, XXXX. In addition, as of today 's date XXXX, XXXX and XXXX still have not provided ALL of the requested information in my fax to them dated XXXX XXXX, XX/XX/XXXX. 
After Attorney XXXX XXXX told me that they have no obligation to notify me and that they have done all that they are obligated to do, I asked him what where my options. He advised me to pay a lump sum on the debt or set up installment payments. As it was apparent that XXXX XXXX, as has been done before by XXXX, XXXX and XXXX, was attempting to side step the law, I asked for a continuance of the case so that I can hire an attorney. That date is now scheduled for XXXX XXXX. 

I have been advised that based on what has occurred to file complaints with the State Bar of Georgia against XXXX, XXXX and XXXX and Attorney XXXX XXXX as well as filing complaints against MSW Capital with the Governor 's Office of Consumer Protection and Federal Trade Commission. Those complaints will be completed this week. Copies of CFPB complaints will be included in the new complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Student loan (Non-federal student loan) with ECMC Group, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation