milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (OH).
Issue: Confusing or missing disclosures

Complaint: I recently sold several items on  XXXX   XXXX  and through my personal Pay Pal account that was already set up for years with Pay Pal ...  XXXX   XXXX  sent my money through Pay Pal to be deposited into my credit union account i.e.  XXXX   XXXX   XXXX . I was not informed by either  XXXX   XXXX  or Pay Pal that my money would be held for months by Pay Pal before it would be deposited into my  XXXX   XXXX   XXXX  account.  <P/> Essentially Pay Pal decided without informing me that they would " disperse '' the monies owed to me " whenever they felt I was qualified to receive them ''. Surprising to me since I have had several Pay Pal accounts active for many years including credit/loan accounts. Pay Pal essentially knows me very well, thus there is no reason to " hold '' my money for my " protection ''.  <P/> I believe this is a classic example of Pay Pal not disclosing " clearly or at all '' to consumers that they will hold one 's money after they sell an advertised item on  XXXX   XXXX .  XXXX   XXXX  supports this collusion since they only use Pay Pal a company they have a close business relationship to " disperse '' funds owed to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

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 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UMB BANK, NATIONAL ASSOCIATION (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX the following items were fraudulently charged to my credit card : XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$330.00} on XX/XX/XXXX a credit for {$330.00} posted XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} I pay this card per item and paid all but the fraudulent items after reporting them to the card company on XXXX/XXXX/XXXX. 

On my XXXX/XXXX/XXXX statement the fraudulent items were refunded but a late charge of {$39.00} and a purchase fc of {$28.00} showed and somehow the balance was {$84.00} over what I show due when I pay my statement per item. I contacted company and was told the fees would be reversed. 

On my XXXX/XXXX/XXXX statement they only reversed the late fee and not the finance charge. And despite paying per item the bill is now {$420.00} over what I show due. 

I take pride in paying my payments on time but am concerned about the impact due to this company not getting their billing done correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The payment amount reporting for the amphibious base was incorrect it 's my account, XXXX removed it and I want it put back on my report. The account number is # XXXX # then they are reporting the account with XXXX XXXX XXXX as a charge off and it has been paid of since XXXX 2014 they sent the update to XXXX.that account number is # XXXX. Then I have XXXX accounts that were included in my bankruptcy that they are reporting 1. XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 3. XXXX acct # XXXX all XXXX of these accts were discharged XX/XX/2014 with my bankruptcy. I would like for XXXX to correct this accuracy because it 's hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (I do not know) with STATE FARM BANK, FSB (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 several certified letters to Equifax XXXX XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: My mortgage servicing company transferred the servicing of my loan to Loan Care. Loan Care did not mail me any information on the transfer or a coupon in order to pay my loan.

I made 8 calls over TWO days, 6 of which went unanswered. All I was able to do was to hear how I should make a payment but was not given the correct information to do so. 

When I was able to speak to a human on XX/XX/XXXX, Agent XXXX, she said she would both mail and email a copy of my loan documents to me. When I opened the email from Loan Care, I discovered I was sent a copy of another person 's loan statement, including the loan number, property address, and PO Box the person used for his mail. 

When I called Loan Care again, I was on the line for 1 hour and 20 minutes, most of that on hold. 
The agent on this call, Agent XXXX, was finally able to obtain my correct loan information and have it emailed to me. 

The bigger concern of the agent, who was very nice, was the disclosure of the other person 's confidential information to me. 

When I asked why I had not received a loan payment package Agent XXXX told me her company had only received my loan as of XX/XX/XXXX, and would not be sending me a bill until XX/XX/XXXX, by that time my loan payment would be late.

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 12-09-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Rewards

Complaint: Chase Ink credit card advertises XXXX points for every {$1.00} spent on wireless services. On XX/XX/2016 I made XXXX transactions to pay XXXX bills. {$21.00} and {$2100.00} Chase did not award me XXXX points as expected. Upon complaining Chase claims that it is due to the way payment gets coded. This isnt something Chase explains to customers. I think this is a clear case of FALSE advertising and UDAAP Violation. I would like CFPB to help me solve the issue and get me the points I deserved to get in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Dates starting the day XXXX assumed all 4 loans on XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX all monthly payments were not applied towards all four accounts specifically when I paid online. Loan servicers did not handle payments and process borrowers ' instructions in a that facilitates successful repayment, minimizes costs to me, and ensuring consistency. Payments initiated on XXXX online platform should be accuraltely credited as of the date I initiated the payments. As I stated from XX/XX/XXXX to XXXX, the four multiple loans have different principal balance and are listed as one group account.therfore on my monthly statements I should see a breakdown of each of the loans outlined showing principal balances, payment, principal, interest, and ending balances of what I specifically paid toward each loans including all overpayments. I specifically instructed those idiots on XX/XX/XXXX that every month there 's an overpayment on all specific four loans, and it to be applied towards the outstanding principal balances each month. I expected those incompetent idiots XXXX servicers to post payments correctly. Since the loans that have the same FIXED interest rate ( 6.8 % ) and the same subsidized and unsubsidized status, each excess amount should be allocated in the proportion to their monthly payment amount and the overpayment as instructed specifically to applied to the principal balances each month. XXXX, has been changing all four outstanding principal balances, monthly payments, and interest each month. My monthly payments are fixed therefore the only thing that changes is the decrease in principal balances and decrease daily accrued interest. All loans have been paid on time each month until XXXX SERVICERS started making adjustments to all loans by removing payments from going as far back to XX/XX/XXXX up to this date. I always made monthly payments on all four loans. Attachment and other documents will be attached and along with the correct balances after XX/XX/XXXX payment. I instructed XXXX  SERVICERS to change my expected payoff date to XX/XX/XXXX once XX/XX/XXXX payment of {$460.00} is posted correctly to all four loans. That was not done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (NY).
Issue: Trouble during payment process

Complaint: Hi, my name is XXXX lent and I have a serious issue with td bank and my home equity line of XXXX received the loan account number XXXX on XX/XX/XXXX.everything was well until XXXX, XXXX and XXXX of XXXX and here is what happened, I noticed on my XXXX statement that my account was in arrears, I called td bank customer service XXXX to find out what happened, and together we figured out that the branch were I got the loan had closed, and my payments were never forwarded to the proper place.so I understood and remade the payments with a check from my ready cash loc from my personal institute, hvfcu.i was told all fixed, but then on my next statement it said I was still behind, so I called again this time to be told they do n't take checks from a line of credit? what is going on they do n't know there own policies.paid again with my debit card and received a new address to send my bill pay payments which I use for all my bills including this XXXX from the start.i have proof I 've never missed a payment.bank statements to prove it.all was good until XXXX XXXX when a loan XXXX called to say I needed to refinance this loan for the next XXXX year draw and interest only pay period, well thanks to td bank I was reported to the credit bureau that I missed these payments and could not refinance.wich I was never made aware of, I was told it was a XXXX year draw and interest only loan.now the payment went from XXXX to XXXX and by the way we raised your interest rate to XXXX percent from XXXX. I have made several attempts to resolve this over the phone and in person. I was even told I was not a customer by a mr.dewight gillens of the XXXX, XXXX, ny XXXX and was told to leave he would not look at my statements.also was giving a name and number of someone who I was told was handling this case, XXXX crow phone # XXXX whom has never once answered my calls or called me back.please help me, save my home from this obvious predatory lending.next step is a lawsuit with the help of my attorney XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter stating I owed a debt and this was the first notice I have ever received on the matter. The letter just states that I owe a debt, it does not include a date of service or any helpful information to help me do my research. I have a family member who experienced the same thing and am starting to suspect this is a tactic to gain additional interest. I ca n't help but wonder how many other people are paying outrageous amounts of interest due to never being notified that anything was owed. Though at this point, I can not even verify I owe anything as I was n't given any information. The letter is from an attorney, which I believe is meant to be a scare tactic ; but the amount is so high, I just ca n't believe it is a true debt. I think their business practices should be looked at more closely. I sent the attached letter to the collector as well via certified mail. I waited a week to submit my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was granted retroactive forbearance that covered these time periods. I notified FEDLOAN to adhere to FCRA Secti on 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ),  hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: It started with greentree servicing I would send my house payment a few days early for instance I would send Aprils payment the end of XXXX payments were due on the XXXX I started getting phone calls from greentree saying my XXXX payment was late I told them no that is my XXXX payment early I told them to double check their records they agreed with me then several months later the same thing over again only this time they would n't back down when I told them it was a payment early not late my husband and I got l laid off in 2007 I admit we were late on some payments but always got caught up sending extra money if we were 2 weeks late here would come the letter of default they would say we did n't make such and such onth payment when I have documentation that they received it it might have Been late I have documents saying what was due and what they received they always got more money then was due but we always owed more I have documents saying on XXXX paper the original note was {$85000.00} and other papers saying the amount of note was {$83000.00} they say our house payment was XXXX it {$670.00} I was hung up on when asked about their additional charges on every stub totalling XXXX dollars I was constantly getting harassed by their phone calls I owed {$120.00} on Decembers payment I could n't make XXXX payment XXXX XXXX I got the foreclosure papers in the mail they did n't wait to see if they were going to get XXXX payment I called them right away and told them I would send them all the money that I owed them that day which was {$1400.00} but it went up to {$4000.00} I told XXXX I did n't have that much just what I owed she said '' well when can you move? '' I believe my home should not have been foreclosed on they wanted us out of their we filed chapterXXXX bankruptcy to try and save our home but the bankruptcy payments kept going up so we could n't afford it anymore so it was dismissed and greentree was right there we also paid a place over a {$1000.00} called consumer advocate to try and mediate with gt and do a forensic scan of all the paperwork they are no longer in business I think that might have been a scam. There were so many different amounts juggled around with gt I could n't keep track of it all I lost a lot of paper 's moving around so much after I lost my home I will attach these documents I apologize about the condition there in

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/17, I noticed that my Transunion credit report showed that I had missed one of three payments. The missed payment was from XXXX. This account should 've been deleted from 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 12/28/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: To whom it may concern, Bank of America is my mortgage lender for my home. They notified me that an escrow collection will be increased almost by $ 150 monthly since they received two different property insurance policies. One of them is not my policy. A mortgage representative at Bank of America told that I have to contact XXXX insurance company and request them to report that it is not my policy. I contact XXXX and the representative informed me that they can not give any information for the policy because I am not a policy holder, so, the lender has to contact them. Ever, the policy which was sent to my escrow account is a commercial policy which a private homeowner like me is not covered, but, Bank of America did not attempt to verify it with me or the insurance company when they recieve it. This issues was not resolved, yet, and it seems no one wanted to responsible. I am also concerned that Bank of America does not cautiously process a sensitive information with a private financial information.

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 09/29/2015 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. 

( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. 

If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. 

Truly, XXXX

Company response to consumer: Closed with explanation