milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (GA).
Issue: Problems caused by my funds being low

Complaint: About XXXX XXXX I contacted Paypal services about my debt card being linked to the wrong checking account at my credit union. I worked with the paypal customer service person on the line to switch my acct to another checking acct ( XXXX ) for further use with funding for my paypal acct when I needed. With an understanding that the previous acct ( XXXX ) would be removed and no longer used. As it turned out Paypal never stopped using the ( XXXX ) acct for backup funding and for about XXXX XXXX, XXXX until About XXXX XXXX XXXX, I incurred fees from ( XXXX ) because Paypal continued to submit drafts to for payment to the XXXX account causing on 25 separate occasions through out the period of time mentioned, fees totaling {$720.00} ( XXXX NSF fees at {$29.00} each ). When I realized what was happening I contacted Paypal and worked with XXXX representatives in Paypal Debt Card Dept, using the email noticed Paypal had sent me and my XXXX checking acct statements to develop the list of fees charged to me by XXXX for Paypals unauthorized attempts on my XXXX acct. The Paypal representatives developed the list and composed ( XXXX letters listing the XXXX transactions ) emailing the letters to my Paypal account email the letters for me to present to my bank stating Paypal was n't authorized to use the account and to credit me back the total of {$720.00} in NSF ( RIF ) fees. 
When I presented these letters to XXXX for refund of the {$720.00} in fees caused by Paypals error. XXXX informed me they would not refund me the fees because it was Paypal 's error and Paypal should refund the fees since they were not authorized to use my XXXX acct. 
I then called into the same dept at Paypal who drafted the letters for my bank and was transferred to a manager who informed me that they could not return all the fees as it was more the their norm and beyond the time period, yet he would apply {$100.00}. Into my paypal acct. 
I feel this is unfair, as {$100.00} is not reasonable, I want the full amount of {$720.00} returned to my acct. As Paypal drafted letters for my bank outlining their transaction to pay me the total fees for their error in that Paypal was not authorized to use my XXXX acct. So why when they are presented with paying for their error they only want to credit me {$100.00}, when they were willing to have my bank pay all of the fees in the amount of {$720.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was attempting to finish getting my late husband 's affairs in order when I noticed a fraudulent charge on our old account. After going through an extended process with Wells Fargo for them to even speak with me about the account, I was told that because he did not file a police report immediately after the fraud there was nothing they could do. This happened near the end of his life when he was unable to even sign his own name, let alone file a police report. I have told them that I am happy to file a police report but they have told me this does not matter, I only wish they follow the laws pertaining to fraud.

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 03/18/2018 about Debt collection (Medical debt) with Credit Service Company, INC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: OnXX/XX/XXXX I sent a certified letter to Credit Service Company , Inc. ( delivered on XX/XX/XXXX ) requesting that they validate a debt they are reporting to the three credit bureaus under my name. I received a letter back from the company datedXX/XX/XXXX stating they completed their investigation and determined the information in their records was correct and they have continued collection efforts. They attached a copy of a medical bill with all of my personal information on it including full name, address, phone number. The letter also included the service date, procedure codes, description, charges, balance, Physician name and the diagnosis codes. This is a HIPPA violation and they should not be in possession of any of this information.

I sent them a reply by certified mail on XX/XX/XXXX( delivered on XX/XX/XXXX @  XXXX ) letting them know that they had violated my rights under the HIPPA law and requested that they delete the information they had provided to any and all credit bureaus, destroy any information about any alleged account and not proceed to sell, assign, transfer or trade the alleged account to any other entity to attempt to collect the debt. I received a second letter from Credit Service Company , Inc dated XX/XX/XXXX stating the exact same thing as listed above with the same bill attached. They are clearly not taking my complaint seriously. I will continue to pursue this issue and will file complaints with the XXXX if necessary. The account they are reporting to the three agencies needs to be removed immediately as requested in my letters directly to them.

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 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: One year ago I had a lease with XXXX and I transferred to XXXX they told me that they where going to buy off my contract and I 'm still getting charged and this is making my credit really bad!! I 've already talked to XXXX and they have me a paper to send to XXXX I did and they are still charging me ... the thing is that XXXX took that XXXX phone from me cuz they where going to buy off my credit! They did n't give me any money for it or anything! I need this problem fixed.. they 're saying I have to pay {$520.00}. I dont understand why they are still charging me! They need to call XXXX and talk to them because they are the ones that need to pay them not me!! ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was compromised via Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Medical) with R & B Corporation of Virginia (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Our son was taken to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012 as an ER visit. We had insurance through XXXX XXXX at the time and the hospital failed to submit the claim to our insurance company, and has been asking us to pay out of pocket for the services even though the services were covered under our insurance. XXXX says they submitted a claim for {$1200.00} to the insurance company, and when I asked XXXX to explain to me why it was denied, they could n't provide a reason other than simply saying that it " was n't paid '' ; I believe it " was n't paid '' because it was never sent out not to mention that XXXX has no record of this claim amount for XXXX 2012 for our son. 

My husband I followed up numerous times with the hospital asking them to resubmit the appropriate paperwork to the insurance and they never sent the claim to the insurance, even though they reassured us they had. We tried everything possible to get the XXXX parties connected and appropriate documents sent over, but we are the middle men. I spoke with XXXX at XXXX today, and she confirmed that the only claim they received for our son for services in XXXX 2012 was a claim totaling {$670.00}, of which we were responsible for {$250.00} ( {$220.00} deductible amt + {$30.00} co-pay ). XXXX does not show any claim for {$1200.00} ; therefore it was never sent/received.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Submitted a dispute online and experian refuses to delete all incorrect address along with names that are incorrect

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 07/17/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: mortgage company issued credit remark that house was foreclosed. Currently, my credit history reflects a foreclosure. The house was sold at a profit of $ XXXX and the mortgage was paid off. There was no foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: I have sent over XXXX letters to XXXX and Transunion requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to 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 11/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Kwikcash, Inc. (CA).
Issue: Struggling to pay your loan

Complaint: I received a loan through this lender and eventually could no longer afford to pay the amount I was paying because of my income drop. I tried to go through a third party for debt consolidation and was told that the lender would not accept my monthly payments I could make because it was lower than what they wanted which was about $ XXXX. The lender than filed the claim to sue me in court in their County XXXX XXXX XXXX ) which is not the County I reside in, making it impossible to attend court. I was never properly served by Kwikcash. I then received a letter in the mail from my employer for a wage garnishment in XXXX XXXX. I tried to attempt to request a lower payment in the beginning of XXXX with Kwikcash by calling and was supposed to get a call back and never heard from anyone so I filed a Claim of exemption since I have to support myself and two children under age XXXX and the judge in the County of the lender 's denied my claim. I was sent instructions by my employer that I would receive a letter in the mail on the date of the court hearing in regards to my Claim of Exemption but was never sent a letter. The only letter I received was a letter that the judge denied my request. I was not given a chance to even try to arrange to attend the hearing and submit financial proof that I can not afford this wage garnishment and am falling behind because of it. It is unfair that I was not properly served, I never received a letter in the mail regarding the hearing to attend court to prove my case, and I am unable to have this wage garnishment stopped especially with two XXXX children who require my support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Southwest Recovery Services, Inc. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: SOUTHWEST RECOVERY SERVICES PLACED A DEROGATORY COMMENT AND COLLECTION ON MY XXXX CREDIT REPORT FOR {$19000.00}. I CALLED THEM AND SPOKE TO XXXX XXXX AND HE SAID IT WAS FROM XXXX XXXX XXXX XXXX, A DEBT BUYER AND THE ORIGINAL DEBT WAS FROM A XXXX XXXX ACCOUNT IN XX/XX/XXXX AND HAD NO OTHER INFORMATION ON IT. IT IS NOT MINE, I DO NOT HAVE NOR HAVE I HAD A XXXX XXXX ACCOUNT. HE TOLD ME TO SEND THEM A LETTER AND THATS ALL HE COULD TELL ME. I STARTED A DISPUTE WITH XXXX AND WILL SEND THE LETTER. THIS IS THE SECOND TIME SINCE XX/XX/XXXX THESE PEOPLE HAVE HARASSED ME. MY BROTHER WON A SETTLEMENT FROM THEM IN XX/XX/XXXX BECAUSE THEY USED TO CALL HIM AND THREATEN HIM IF HE DID N'T PAY MY ALLEGED BILL AND/OR TELL THEM WHERE I COULD BE FOUND. NOT ALMOST A YEAR LATER THEY ARE ILLEGALLY HARASSING ME AGAIN WITH ANOTHER FALSE ACCOUNT I DO NOT OWE. THE JUNK DEBT BUYER, XXXX XXXX IS JUST AS MUCH TO BLAME BUYING FALSE DEBT AND TRYING TO SCARE CITIZENS INTO PAYING FAKE DEBTS!

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 09/14/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, 2017, I filed a claim with Bank of America because I had unauthorized charges on my account.

I explained to the representative that I had been using a temporary debit card ( issued by Bank of America ) until my permanent debit card arrived in the mail. On the day that I received the permanent debit card, I also received a letter from Bank of America with my PIN number enclosed.

I was n't aware that the temporary card would still be active after I activated the permanent card. So, I tossed the letter and the temporary card into the trash.

I later realized the false charges.

So, when I called, I was given a temporary credit-on XXXX XXXX, 2017. 
Today, I received an email that stated the credit is being reversed because the thief only swiped my card one time and did n't attempt to steal more! How ridiculous!

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 12-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My name is XXXX, my grandmother XXXX who is a co-signer on one of my loans which was with XXXX before XXXX was taken over Navient Solutions.  Navient Solutions has harassed my grandmother XXXX for several months and are now stating that they are filing a law suit against her for payment on the loan.   My account has been in deferment because I am currently in school at XXXX, additionally, in XX/XX/2015 when I had access to my online account my deferment was still in place for my account.  My grandmother starting complianting around XXXX that she can not take getting several calls throughout the day regarding this loan.  When she finally talked with them she direct them to contact me...However, their first contact was through a mailed letter date XX/XX/2015, and since they have been speaking with my grandmother XXXX, I no longer have access to my account because they have deactivated my account as they have been pursuing and persecuting  my grandmother for payment.  They have given my grandmother a different account number for the same loan. When I call them to discuss the account they can not find my information. I just recently starter receiving letters stating that my loan is in default and that I need to contact them to make arrangements.  I want them to stop harassing and threatening to sue my grandmother for payment on this loan, because I have always been responsible for this loan by either making payments on this loan or having the loan in deferment due to my continue education status. Bottom line want them to work with me which for some reason that have chosen to harass my XXXX year old grandmother who is on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. 

The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. 

The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ). 

Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX. 

From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. 

Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. 

This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. 

I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. 

I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.

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 05-10-2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Last week I received a call from a collection agency for a debt they said I had with XXXX XXXX XXXX from XXXX. Because I did n't know if this was a scam or not, I told them to send me something in writing. On XXXX XXXX I received a bill from USCB America requesting {$450.00}. I was able to confirm with my current HMO XXXX that I was not under XXXX in XXXX and XXXX. I believe I was under XXXX during this time, but I do n't have any records related to an outstanding invoice or any XXXX correspondence. If the bill was for XXXX and I stayed with XXXX through XXXX, any outstanding bills would have been paid. I would like the CFPB to help me with this request as I do not believe it is valid. There is no proof of an outstanding debt and most of all, why did it take so long for them to contact me if it is valid?

Company response to consumer: Closed with explanation