milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Fraud or scam

Complaint: I was purchased marketing & promotional Services from XXXX XXXX aka XXXX  he put my song on XXXX for XXXX which was not the deal his services are SCAM not correct. He says to bad no refunds I called PayPal over 7 times & Filed a Dispute almost 30days later they file it in the Scam sellers Favor

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX 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 04/29/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with SUNTRUST BANKS, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company,  XXXX , sent me a letter and claimed I have unpaid amount {$380.00} to Sun  Trust Bank . Except I do n't do business wit h Suntrust Bank. I visited Suntrust an d ask them if they have an account under my name, gave them my driver license and the letter from  XXXX . Suntrust search and came back negative, they do n't have me as a customer, they also checked back dated to year   XXXX  , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted  XXXX ,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   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 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (KY).
Issue: Loan modification,collection,foreclosure

Complaint: During the course of my mortgage, there have been several occasions where I have fallen behind on my payments. Each of these times, the mortgage company offers to assist with the problem BUT they have repeatedly tacked on charges in the amount of {$5000.00} or more saying it is legal fees incurred by them for starting the foreclosure process? My mortgage has gone from the original {$90000.00} up to around {$150000.00}. How can they do this? I have been amiss in doing anything about this because I have felt like I was at their mercy and because I HAD TO HAVE a home to live in. Can you help in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: Bank of America claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting " suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is, but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then, could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?

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 10/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit decision / Underwriting

Complaint: I was sent a solicitation by Bank of America to refinance my mortgage. I would like to do so. This would reduce my remaining 17 years to 15 years at a much lower fixed rate than my current 5.5 % mortgage. I own a full floor of a XXXX story building in XXXX originally offered as XXXX condominium units with full exclusive ownership of all adjacent common elements and we occupy it as our sole principal residence as if it were XXXX unit. It is worth approximately 8 times its value on our purchase in 1997, possibly more. Our refinance amount would be $ XXXX or thereabouts ( we do not want to borrow against any equity ). In NY state, there is a large transfer tax. However, this refinance would not be a transfer to another lender. It would just be a refinance, which BoA solicited. The fact that our floor can be used either as XXXX units or as it currently is XXXX unit, is only a positive to its value, and therefore, only lowers its risk to BoA. BoA however claims that this status ( XXXX units, XXXX of which we bought simultaneously in 1997 under condominium contract terms that make clear the optionally single use rights to the full floor ) PRECLUDES BoA refinancing for us. Whatever rule is being applied concerning the use of our real estate as XXXX units versus XXXX unit is a bogus rule, I believe, being used to obstruct us from refinancing our loan conveniently with our current lender, and to impose multiplied transactions costs on borrowers, by forcing the borrower into a complicated rigamarole, refinancing via a third party, which would entail additional agency fees. As our credit is excellent and our payment track record perfect with BoA and all prior lenders from whom BoA inherited the loan, and the property is worth about 15 times the mortgage amount, I do not understand why we the borrower should be victimized by a senseless corporate rule that has nothing to do with financial risk to the lender.

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 08-05-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have XXXX loans that I have had since XX/XX/2006 through AES..I have been making payments since XX/XX/2006 ... I have put them in deferment for XXXX months a couple of times but outside of that I have made faithful payments ... .but it 's over XXXX years later and I owe XXXX times the amount now than I originally started with ... I do not understand how..and I have found several other complaints online about this company with people saying the same thing as me and I just want some relief ... .there seems to be no end in sight with this company and I just feel that something needs to be investigated ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Bureau keeps reporting addresses and accounts that are not mine. They initially delete the addresses and then report them again. The accounts have not been verified and I have requested several times now for verification which is my legal right under the FCRA and to date I have received NOTHING in form of signed contracts, authorization signature or, anything else they can provide to verify these accounts from the credit bureau and/or creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Convenience checks

Complaint: I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer and there is nothing they can do. I explained I can not afford this fee and because I have been a loyal Citibank customer for 20 years I would like a courtesy of this being waived. Citibank would not show any loyalty to me and refused to help me. They even had the nerve to say they do not make money off of me. I said you have had my money in your bank for over 20 years and you have certainly made money on me. I feel these checks they keep sending are very misleading to there customers. I was so shocked that Citibank would not budge on showing any courtesy to a customer. I am filing this complaint to try and get some satisfaction from Citibank.

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 08-06-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collecting company Halsted Financial Services calls at all hours of the day. When I have answered their calls, they want me to confirm my identity and I refuse to do so unless they tell me what it is they are calling about, which they refuse to do so unless I identify myself first. I have told them numerous times that I will not do so when I do not have any debt with any company and they continue to call morning, day and nighttime.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: I did n't pay off my credit card in full last month ( XX/XX/XXXX ). The bill was {$7200.00} and I paid off {$4000.00}. Normally we always pay this bill off completely. When I calculated the interest we would owe, I based it on the remaining amount due, {$3200.00}. When I received my statement for XX/XX/XXXX, I discovered I was charged interest on the amount I had already paid ( $ XXXX ) plus the amount I did n't yet pay ( {$3200.00}. ) Is a credit card able to charge interest on an amount I do not owe? A second question : I was planning on paying the remaining amount off today, prior to the XX/XX/XXXX due date ( that 's why I 'm catching this now ). If I pay the amount of {$3200.00} off today, is the same amount of interest charged? My annual rate is 15.74 %. Does n't annual mean 365 days? 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Closing/Cancelling account

Complaint: I applied for, and received, on XXXX XXXX, 2016, a Capitol One Platinum MasterCard, credit limit set at {$300.00}. I activated the account on-line immediately. I first attempted to utilize the card on XXXX XXXX, 2016 for a purchase slightly over {$10.00}. The card was declined. When I checked the account on-line, it showed the account as restricted. I contacted Capitol One by telephone on the morning of XXXX XXXX, 2016, and was told ( by XXXX ) there had been fraudulent activity on the account, and he acknowledged the attempted {$10.00} purchase. After thirty minutes without resolution, I requested a call back if there was resolution, and XXXX requested my telephone number. I did not receive a call. XXXX minutes later I used the Capital One on-line chat feature to request ( agent XXXX ) cancellation of the card. I was told I would have to call Capital One. I explained I had spoken to them for thirty minutes just earlier without any solution or resolution. I explained I considered the account closed and would not be utilizing it, would not accept responsibility for any charges, and would send written request to Capital One with a transcript of our chat. XXXX provided me with their mailing address. We concluded the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Other mortgage) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am the XXXX for XXXX. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in XXXX XXXX, XXXX. This property is located at XXXX XXXX XXXX, XXXX NC XXXX. I wrote U.S. Bank Home Mortgage regarding this property on XXXX XXXX, XXXX. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to XXXX XXXX XXXX. The XXXX dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until XXXX XXXX, XXXX to pay the XXXX dues/assessments without a late charge. They have not paid that amount, nor have they paid the XXXX dues/assessments that was due by XXXX XXXX, 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 monetary relief
Consumer complaint received 09/14/2015 about Debt collection (Medical) with Radius Global Solutions LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never Received any Bill 's in the mail. And Medicaid should cover this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Delinquent account

Complaint: In 2013, I had a XXXX Credit card with Capital One Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Commonwealth financial is reporting against my credit score negatively and is reporting that the account is only 2 months old when in reality its been at least 7 years since I may or may not have used the services of   XXXX   XXXX   and fire department for an emergency situation. The debt should have fallen off my credit report by now. I am trying to rebuild my credit and am not against working with the collection agency but should not be shown as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 01-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in at least on XXXX occasions to have XXXX charge-off 's to be removed and blocked from my credit report due to Identity Theft. I have submitted a police report that stated these items are fraudulent and for them to be blocked and I have also submitted an FTC affidavit. The XXXX charge off that need to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I submit to Equifax the XXXX Identity theft letter and back up they submit the dispute as a regular dispute instead of blocking the ID theft items and removing them from my credit report. They refuse to tell me how they investigate the information. I just want these resolved as the other XXXX credit reporting agencies have already removed these items as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: - Around XX/XX/XXXX, Chase sent me a targeted offer ( attached below ) in the physical mail for opening a Chase XXXX XXXX XXXX card. The offer was to earn XXXX XXXX XXXX if I spent {$3000.00} in the first three months. The inside of the offer had instruct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I have not apply for this home equity and have not authorized the credit check. They did anyway without my authorization. 
I 'm very upset that this happening.

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 06/13/2017 about Debt collection (Medical debt) with CREDICO. INC (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a the first notice from Credit Collections Bureau dated    XX/XX/XXXX . Upon receipt of the notification, I called and left a message for a return call. I never received the return call. One week later I had a notice for certified mail. Within the certified mail was a notice of a small claims lawsuit. The deadline to respond to the denial is   XXXX   XXXX   2017, which I intend to do.
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I was not given enough time to respond and dispute the debt ( 15 ) days from the first notice received to the date of the Notice of the small claims lawsuit being served.
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The amount of interest that has been charged is {$440.00} and the total amount of debt was {$530.00}. How long has this been in there office without trying to reach me? I believe this could be from an surgical operation back in  XX/XX/XXXX , How long is the statute of limitations on these debts within my state?
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I am aware of the collection practices of this firm and to my knowledge this is a collections tactic they use. Placing a small claims judgment against a consumer whereby it is entered and then they place a wage order on the consumer.
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How is this practice not a violation of UDAPP?

Company response to consumer: Closed with explanation