milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: EBay sale return must be processed through PayPal. Insufficient funds in my PayPal account. Request to PayPal to transfer from checking account at XXXX on XXXX/XXXX/16 for {$150.00}. PayPal requires XXXX business days ( M-F, XXXX-XXXX ) to post to my account. The ACH does not function on Sat & Sun. 
XXXX can not send funds to PayPal because there is no 'routing number ' etc. But, XXXX uses PayPal to process its mobile app. 
I want this lie about the federal financial system not processing funds on 'non-business ' days to stop. It is a lie, they are using a float time for profit at my expense. If I can buy a burrito at XXXX XXXX and see it on my checking account by desert PayPal can do that as well. 
PayPal must provide banks and customers with a 'send to/transfer to ' routing number or they should be put out of business, No reason my credit card must be processed through PayPal at eBay except for gouging the public. 
No way to resolve problems by email with eBay or PayPal. Must go online to get telephone number and code, the machine answers and refers me back to the website where there is no way to send problems unlike other retail firms. Round about we go, losing it with XXXX in XXXX as I go.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: experian and XXXX XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Home Loan Center, Inc. (AZ).
Issue: Getting a line of credit

Complaint: i am very disappointed with the banking industry..i feel completely disregarded and completely discriminated against because i live on a XXXX income. i have tried via numerous places including XXXX XXXX XXXX XXXX here in AZ to get a personal line of credit in order to pay off all my bills, they have refused me with no really good reason but to use my credit score as an excuse to deny me. I have also tried an online " XXXX XXXX '' and they also refused to give me a home equity line of credit '' also using the same excuse. I pay my bills each month regardless and all i wanted was to obtain money so i can replace my carpet and do some home repairs as well as pay off all my bills once and for all. NO ONE WANTS TO GIVE ME CREDIT. I HAVE PROVEN MY CREDIT WORTHINESS VIA XXXX LEASING CREDIT FOR 4 YEARS AND THEY TOO, REFUSED TO ALLOW ME TO BUY OUT MY XXXX XXXX WHICH I NEVER FALTERED A PAYMENT ON. IF THAT IS NOT DISCRIMINATION, I DO N'T KNOW WHAT IS. I HAVE 100 PERCENT EQUITY OF MY HOME AND I DESERVE SOME KIND OF RELIEF WITHOUT BEING FORCED OR PRESSURED TO EITHER FILE FOR BANKRUPTCY OR SETTLE FOR A DEBT RELIEF COMPANY WHICH ALSO WANT UP FRONT MONEY..I CAN NOT KEEP COMPLAINING ABOUT THESE ISSUES MORE THAN WHAT I HAVE DONE ENOUGH WITH THE CFPB BUT NEVER GET RESULTS OR HELP. WHY IS THAT?

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following creditors and Equifax have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Equifax. Equifax and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Equifax and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Equifax of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Equifax have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: My account transferred to Freedom in XXXX. Right from the start I had issues. I called Customer Service because my insurance was paid by the previous servicer on XXXX XXXX, 2016 ( this is confirmed on Freedom 's website ) Freedom then paid my insurance on XXXX XXXX, 2016. I called to get the payment cancelled and the agent was very rude i let her know there were XXXX payments showing on the website and she proceeded to argue with me that only XXXX payment had been made. I offered to wait while she logged onto the website to verify but she claimed there was no way the previous servicers history was on the website ( see attached screen shot its on there ). After getting hung up i finally got to the insurance department whom claimed they stopped the check from going on out. However the check did go out and so my insurance company sent me a refund of {$1100.00} thankfully I knew enough not to cash this. I called my insurance company who stated that Freedom stopped payment on the check and it was not valid. So while my issue is resolved my complaints revolve around XXXX things XXXX the shoddy customer service and the rude agents at Freedom. Second i have sent to email requests to freedom regarding this issue w/no response the first in XXXX which i do not have a copy of and the second XXXX in XXXX ( copy attached ) i have not gotten a single written response from Freedom other than an acknowledgment that they have gotten my complaint and will respond by mail. I work for a mortgage company and was appalled out how i have been treated and how i have not received a response.

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 02/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am being sued by midland funding ( encore ) for XXXX. They are claiming breach of contract. Court date is XXXX XXXX, 2016. The document presented to me as chain of ownership, are generic & can be used on anyone. They just typed a number or used a water mark on all the affidavits & give no specific information. The statement they used, looked like a generic template. Them there was a plain white sheet of paper, with some personal, but easy to get information. When I answered their questionnaire they asked me for my bank & bank account number, it stated that this was not pertinent to the case. I said that I disputed owing Midland funding any money & That I owed XXXX bank zero money. They motioned for a summary judgment, that I did not answer in a reasonable time, stating that I did not answer all the questions & that I did n't dispute that I owed money to XXXX. That their claim is valid & that they should be awarded money. I answer that I did not owe them the money, never received the papers they said they sent ( I did n't ), until I saw the motion for summary judgment & answered them & that I denied owing them any money & that I disputed the validity of their affidavits. Sited lawsuits against them for these very reasons. 
There were given until XXXX XXXX to answer. I received an answer on XXXX XXXX, postmarked XXXX XXXX. Which did n't give me any time to prepare a good answer, as that was a weekend followed by a holiday. They answered back that those lawsuits were inflamitory & should be stricken & that since I never denied owing XXXX XXXX bank the money & stressed this as the most important issue, that their claim was valid & they should get a judgment on that alone. 
I do n't have digital copies of their statement, but can provide copies in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Trans world Systems sent collection notice to me collecting on a account that I had previously disputed with the credit bureaus to be fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX and Equifax on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
<P/>
I have been unsuccessful with XXXX XXXX and Equifax, I sent letters to the agencies who placed inquiries on my report, no response, I asked XXXX XXXX and Equifax to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
<P/>
XXXX XXXX : Equifax was authorized but only once, they have it listed twice onXX/XX/XXXXand XX/XX/XXXXXXXX XXXX was authorized once but listed twice on XX/XX/XXXXandXX/XX/XXXX.
XXXX was not authorized at all onXX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXXor XX/XX/XXXX XXXX was not authorized at all onXX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized onXX/XX/XXXXEquifax XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXXXXXX XXXX XXXX XXXX never authorized XX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX) XXXX XXXX not authorized onXX/XX/XXXX ( only authorized once onXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Other financial service (Check cashing) with PNC Bank N.A. (OH).
Issue: Fraud or scam

Complaint: I had my purse stolen a month ago. After immediately calling police, we called PNC bank to report the theft. They froze the account and alerts were placed on it. We went in the next business day to open a new account. Later that week a teller from another branch disregarded the alerts that were still on our account and handed the thief with my ID {$1800.00}. They opened up a new account for us again, but now are holding all of our money because of their " investigation ''. Meanwhile, the teller that screwed up is getting paid for her work and we ca n't cash checks, ca n't deposit and have access to it, and checks already put out there by us are bouncing, making it impossible to live, pay bills, buy groceries for our kids. I 've been a loyal PNC customer for almost 10 years and they have kept saying there 's nothing they can do. Even though THEY screwed up and I had alerts in place. I did everything I was supposed to do and we were told we 'd be taken care of. THIS is not being taken care of as valued customers. THIS is like we are the criminals. They never even had the courtesy to notify us that this may happen or to give us a solution or option in order to continue paying bills and buying needs for our family. We have credit scores in the XXXX, own our own home for 10 years and my husband is a XXXX and I am a XXXX of XXXX little kids and also a XXXX. I wrote a XXXX page document on all the details surrounding this including our police report and the conversations we 've had with bank employees. We need help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Sale of account

Complaint: I opened a secured credit card with XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. The bank closed and sold my account to XXXX XXXX Bank XXXX XXXX. I lost my job and tried closing the account with my {$300.00} deposit and they told me there was no deposit or secured credit card and only had information that my card opened XX/XX/XXXX. XXXX XXXX is reporting was reporting this on my credit reports. I called FDIC and they have no records of XXXX XXXX taking over any accounts from XXXX XXXX XXXX or XXXX XXXX. Portfolio Recovery has bought the account from XXXX XXXX and is now reporting this Same account in collections on my credit reports. I sent them the letter from XXXX XXXX stating I do not owe the money and they are removing the account off my credit report. They said it is not enough proof to remove the amount I know owe them because they bought the account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Capital Accounts, LLC (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My mortgage account is not reflecting correctly on my credit reports, XXXX is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Other

Complaint: Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid debt in full to XXXX in XXXX 2014. I asked to make sure, was there any paperwork or anything I needed to sign, etc. To finalize everything. She said no. I went on my way and was never contacted about a " debt '' until about two months ago when I filed a dispute after realizing it was, for some reason, on my acct as a debt. I have contacted the current apartment manager, XXXX XXXX, who says they have misplaced my records and they never got filed but that she knows I paid it. I have filed dispute with the company and it has been denied

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, XXXX XXXX - now sold to Ocwen mortgage, has been trying to steal our house from us since 2008 through a modification. They did not apply payments for over 6 months, reported us as late, destroyed us financially & basically made our lives XXXX for the last 8 years. Currently the attorneys for the mortgage company are using lies to continue to try to steal our home. My full complaint is lengthy & detailed and will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CAPITAL ONE BANK XXXX NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. XXXX TransUnion, Experian, and Equifax XXXX This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


XXXX  XXXX # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX, XXXX, and XXXX ) This account says that it was XXXX  in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: i had sent out a verification letter to Zales on XXXX/XXXX/XXXX with no letter from them verifying anything that I had sent, since the 30 days has pass for verification they want to sent a letter on XXXX/XXXX/XXXX threatening to sue me for the bill that has not been verified by them. 
I 'm also sending them another letter on today XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other fee

Complaint: I believe that Bank of America unfairly charges my credit credit just by purchasing a flight ticket from XXXX XXXX which is XXXX a Foreign Transaction Fee of {$47.00}

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 Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Confusing or misleading advertising or marketing

Complaint: This morning while I was reviewing the itemized statement from XXXX I noticed that I had a charge from TransUnion for XXXX . I realized that I had not requested a credit report in years so I thought there had to be some sort of mistake. When I went back into prior statements I saw that TransUnion has been charging me XXXX $ every 5th of the month since XX/XX/2016 when they initially charged me 1 $ to check my credit. These services are listed as " Transition from TU alerts to XXXX alerts, '' which if I have been receiving I am not aware and I certainly did not sign up for. What is troubling about this situation is : 1 ) I never authorized TransUnion to save my banking information 2 ) I never signed up for the services that I have supposedly been receiving ( I am not even aware of what they supposedly are ) If I did sign up for these services it was not to my knowledge and was done in a manner that was deceptive in nature.

3 ) I never authorized the recurring charge which appears to be 19 times the dollar value of the initial charge All of the charges are documented in the attached file.

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