milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CT).
Issue: Unauthorized transactions or other transaction problem

Complaint: A claim was opened on  XXXX  with  Paypal  for a transaction, #  XXXX ,  XXXX  from  XXXX  on  XXXX . I received a message today asking me to return the item at my own cost to  XXXX . The reason for dispute is the item was damage by a local   XXXX   store and they refused to refund the item. The item was taken to a local store to be monogrammed and the  rep ( s ) damaged the item by pressing initials too hard on the leather making the monogram too deep and damage the item. I attempted to explain this to several Paypal reps, howeve r, I was told the claim was closed out and it was not by myself. Papal reps refused to do anything further

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX was a victim of fraud by XXXX XXXX XXXX XXXX Company No : XXXX ( SRA ID : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX. 

XXXX XXXX was scammed out of XXXX while helping a business associate pay what was believed to be legal retainer fees in return for an Investment Loan in the amount of {$75.00} XXXX. 

XXXX XXXX XXXX XXXX was represented by a person named XXXX XXXX who had advised the business client ( XXXX XXXX of XXXX, TX ) who was supposed to get the investment loan that she could not get the loan unless she paid retainer fees for the loan. XXXX XXXX did not have the funds to pay for the fees ; XXXX XXXX said he was representing the investment firm ( XXXX XXXX XXXX ) who also turned out to be a scam. 

XXXX XXXX made two wire payments onXX/XX/XXXX andXX/XX/XXXX to the " law firm '', but realized shortly that the loan and persons representing the investor and the investment company itself were all fraudulent and of XXXX decent. The money was intercepted through a XXXX XXXX XXXX bank account, but XXXX XXXX has not addressed the issue based on recoup of funds with XXXX XXXX ' bank US Bank. 

No one benefited from the scam as there was no collusion with the thieves who intercepted the funds from the XXXX account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX SORT CODE : XXXX ACCOUNT NUMBER/IBAN : XXXX ACCOUNT NAME : XXXX 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 02/20/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Customer service / Customer relations

Complaint: I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with Continental Finance Company, LLC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a voicemail from a private number XXXX/XXXX/16 at XXXX. 
She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. 
I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. 
I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. 
I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.

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 04-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: I have a credit card with Macy 's. I used it several times XXXX to purchase some dresses. I paid it off. Then I used it again at XXXX time, and I did n't think anything of it, but my statement arrived after the due date. I called and they reversed the late fee. It happened again in XX/XX/XXXX, and XX/XX/XXXX, and again in XX/XX/XXXX, in fact I just received my XX/XX/XXXX statement 1 week ago. I paid the balance off but I refused to pay the {$21.00} late fee. They stated they can only give XXXX-XXXX per 12 months, and they already gave me XXXX reversals. I said I do n't know if Macy 's is sending out statements late, in order to " collect late fees '' and that 's how they make their money! or if it my wonderful USPS in NJ.!! but in any case I still have not received my XX/XX/XXXX statement as of yet, and we only have a few days before it is due. I do not have online statements because of being hacked, and identity theft in prior years. I keep as much security as possible.

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 03/22/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, 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 03/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax Credit is reporting an account for XXXX with a balance of {$5100.00} and account number XXXX. This information does not belong to me. I have contacted XXXX and they have no recollection of this. Please remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (I do not know) with Med-1 Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive phone calls from XXXX saying they are XXXX  XXXX XXXX in regard to a debt collection. Recording asks me to call XXXX. I have reported this company in the past and they continue to call repeatedly. Most recent calls were on XX/XX/17 at XXXX XXXX and XX/X/17 at XXXX XXXX I have also been receiving phone calls from a local number in XXXX XXXX XXXX FL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I reached out to Experian before about someone trying to apply for credit in my name. I have been working hard to improve my credit so I can buy a house in the future. I have taken money management classes and I have learned what I can about credit. The only problem that I have with Experian is the fact that I put a FRAUD alert on my file. I assumed that it would stop whoever keeps running my credit. I thought that they were supposed to call me when an inquire for credit was requested. Yet, I have never received any calls and someone is still ringing up inquires which I did n't authorize. I am afraid that one day in the future they will be able to obtain credit in my name which I do n't want to happen. I woke up  with 10 plus inquires from other CB. I 'm so lost right now, I do n't know what direction to go. I have more inquires that I did not authorize and I would like them removed and also pointed in the right directions on what I should do to completely stop this. I lost my wallet last year and I never thought that it would come back to bite me all over again. There is only ONE inquire out of the 7 listed that I personally did myself because I applied for an apartment since my husband and I separated. These are the inquires that were not authorized by me. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX 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 non-monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Ive been a victim of major identity theft with having my personal information jeopardized in 4 major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. 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 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RPM had sent me a letter to dispute my dish network account dated XXXX/XXXX/16, after submitting my dispute letter to RPM regarding my XXXX account on XXXX/XXXX/16 which I admit I had sent to the incorrect address, the reason for that was due to the fact that RPM does not clearly indicate where exactly to send the dispute letter, ( copy attached ), I have also provided a copy of the dispute letter that I had sent to RPM on XXXX/XXXX/16. After reviewing my credit report ( copy attached ) clearing showing that RPM had reported a collection on XXXX, which was not 30 days after I received the notice to dispute the validity of the debit, I received the dispute letter on XXXX/XXXX/2016, and sent the dispute letter on XXXX/XXXX/16. RPM had reported my XXXX account as unpaid before the required 30 day time frame for me to dispute the dept. Thank you for your time.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

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 09/14/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: 2016 - SPS stated XXXX was denied due to approximately XXXX dollars over the XXXX XXXX that was approved. 

I filed a complaint with CFPB. Thereafter SPS agreed to except the tender over the XXXX directly from me. 
SPS encourage me to re-apply with XXXX - I was approved a second time - SPS denied the tender again due as the reinstatement amount was over - SPS stated once XXXX funds are received I would have 7 days to tender the difference - I am and was prepared. 
SPS after a long conversation apologized for the error and stated to re-apply as your file will be flagged this time to avoid errors XXXX re-vampped application as the prior approval was less than 30 days old. 
XXXX approved within a week. 
SPS then stated I was misinformed and SPS would need to receive the funds as a whole. 
SPS on a XXXX way ( SPS/Myself ) recorded conference with a third party to confirm the instructions once XXXX release tender of XXXX SPS denies this ever happened and refuse to put XXXX representatives on the phone As the note holder in due course requesting- SPS a third party collection company - to establish relationship with master servicer Provide - actual INVOICE, who is the lender, who is the investor, a statement with a balance due, reinstatement information, payoff demand, a complete break down of all cost of postage including fed ex, XXXX and USPS XXXX Real Estate Review on property. Under the Freedom Of Information Act the information is not proprietary. 
A credit letter was sent to SPS to confirm tender of difference with more than enough funds in the account. 
SPS is denying tender to bring my account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Professional Adjustment Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: You mean the short version : we fell behind on our mortgage because and storm damage insurance claim was denied and we were in the midst of the double dip recession XXXX and a severe reduction in income. Since then we applied for a mortgage modification with CitiMortgage. I started keeping better records as of XXXX XXXX, XXXX, I have since then kept all copies of submitted documents. We respond either within hours, if a few documents are required or within a few days of XXXX-XXXX pages are requested. It seems after each submission latter part of XXXX we would receive email/mail stating : 'your file is now complete and has been forwarded to the underwriter ' Then some time later we get the request for more documents, which we supply. By then of course some other documents have expired, so we send those updated documents again. Then, of course they change the person in charge of my account and so on and so on. This has gone on for over a year with no end in sight. Sadly and in addition to this cruel and unusual punishment, my income, which had been reduced to negative ( my company 's gross was reduced by 90 %, therefore I lived of savings ... .they are now exhausted ) is now coming back. Yes, we are quite behind and it will take a few years to catch up, however, we can now afford the mortgage. We just can not afford to catch up on XXXX late payments. We keep asking, begging for a solution but none seems forthcoming. Should this go on for 2 years? Five years? Is there any limit? 
Of course this the the very condensed version, I can submit a much more detailed timeline with ALL supporting documents. I will attach an early XXXX as well as this year 's documents. We would gladly submit copies of ALL documents for XX/XX/XXXX-XX/XX/XXXX but that might have to be vial XXXX on a jump drive.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX 2017 I reuested a credit report to dispute a report. I only wanted a report. Since then Experian has billed my banking account a total of close to 75 dollars. They were billing my bank card for services I did not know or request. XXXX were also billing my card. I called on XX/XX/XXXX to have this cancelled and a full refund. I was told they could issue only one month and could tell I received emails but could tell I did not access the account. I was told to email customer support. I emailed customer support and on XX/XX/XXXX. I received an email saying they were not going to refund my account and to call customer support. I called customer support and the sup XXXX said they were not going to issue a refund for services they provided. I advised that they can not just charge me for access to all three bureaus because XXXX were already charging me as well for services that XXXX XXXX was doing for free.

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