milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other service issues

Complaint: I recently made a purchase on PayPal. The purchase was charged to a PayPal credit account which I do not recall having ever established. Generally my PayPal purchases are funded through a linked bank account. When I called to complain, I was told that I could close the account but was not allowed to pre-pay the charge ( I have to wait a number of days until the payment goes through ). In other words, I have to call back/log-in again to make a payment against this charge. This is despite the fact that on my PayPal account, it does show that my credit limit is decreased as a result of my purchase -- so they are able to show that I have spent the money but they do not allow me to pay it! I was also told that charging to the PayPal credit account was set as my account default, although I would never have set this default since I did not even know I had the account! Despite the call-center representative saying that my account has been open since 2014, there are no statements available on the website and this is the first time I have ever had a charge go to this account. After the call, I did an internet search and it appears that there was a class-action lawsuit against PayPal regarding the establishment of PayPal credit accounts without a person 's consent. I would like to know whether I have any rights or standing under that lawsuit or whether there is any other way to file a formal complaint against PayPal for this deceptive practice. I am also concerned because I noted to both the initial customer service representative and her manager that I believed this was at a minimum poor business practice and more likely, ripe for a class-action lawsuit, and neither of them acknowledged the prior class-action lawsuit related to PayPal credit. Clearly PayPal has not done all it should have to rectify the issues it created when setting up PayPal Credit accounts for people without their desire/consent as related to the existing class-action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Chase closed my newly opened account with no explanation and is now holding my entire deposit for ten days. The deposit is {$8500.00} dollars that I ca n't access. They should not be able to hold my money. I did n't even get A reason. I want my funds and I want to be able to pick it up, not mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Disputed items were not verified or removed from 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 non-monetary relief
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My original credit card was compromised so I quickly called them to cancel the credit card. A new credit card was issued and sent to me. My problem is that they neglected to cancel the old card, sending me two account payments instead of one. You have to use the automated system in order not to be charged a fee of XXXX plus dollars. The automated system would n't acknowledge the old account so I called to ask how I could solve this problem. They were very rude, telling me that I would be charged if they had to make the payment for me. I asked if they could transfer the amount over to they new account and cancel the old account, they told me yes " They would take care of it ''. They did n't take care of it and the new bills came in with the old account having gone from {$52.00} to {$80.00} and presently to {$92.00}, late fees just piling up. I called one supervisor, he said that he would take care of the problem, he did n't take care of anything. I received a call from a " XXXX XXXX '' collection agency stating that I owe {$92.00}, not allowing me to explain anything. I was extremely angry so I called my credit card people and asked for a supervisor, I spoke with a man by the name of XXXX XXXX who took care of most all the problems. I called today, XXXX XXXX XXXX, and presented the problem I have, my credit score went from XXXX to below XXXX, one is as low as XXXX and the others at XXXX, approximately. I am trying to get my house refinanced with my bank and my vehicle payment also. This creates a higher payment for both, they wo n't listen to excuses. I spoke to a XXXX, employee # XXXX, she would n't give me the name of the first supervisor 's name, she would n't give her last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX had reported 2 identical accounts from Commonwealth Financial Systems XX/XX/18 in the amount of {$1300.00} it shows up twice. This is due to identity theft because I have never lived in XXXX, KY. I would these items removed because I have disputed the info and CFS stated they would show I am disputing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3. SYNCB/JCP 4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX  1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts   XXXX    1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3. SYNCB/JCP 4. SYNCHRONY BANK 5.   XXXX   XXXX   6.   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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed a dispute with XXXX and equifax on my bankruptcy that they have listed. They have refused to remove it, after multiple disputes. I have even expressed that XXXX has removed it due to false information. They have the amount filed on incorrect. XXXX has it listed as I filed on {$0.00} and equifax has the amount more or less then what I filed for. I have stressed my concerns and even the possibility of a law suit if not removed. They have all come back stating that it is going to stay on my report and they have updated the information. However, they are not updating the information as stated in dispute summary. I would like this removed now since multiple disputes have resulted in the defamation of my name. I have gone back to school and I am unable to obtain personal student loans to help finance the completion of my degree. My next steps will be a law suit within the court systems if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit Bureaus and collections company keep verifying and updating my account without sending proof of contract with signature.Im also complaining that I was not notified within five days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This complaint is about credit reporting. I have contacted customer services at least 3 times and they would not take care of it. I am a single mom who works a full time job as well as a XXXX XXXX XXXX. It is already hard on me and not having the best credit is another thing that is holding me back on getting things for my daughter and just now finding out that I will have to get another car because the one I have is going out on me. Here are a list of things inquiries that I had no knowledge of ... .. 

XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Regional Credit Solutions (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from Regional Credit Solutions on XXXX XXXX, XXXX. They told me I have to pay {$200.00} or I will be arrested for fraud and theft by deception for a payday loan I supposedly took out in XXXX. I did not have a job in XXXX so therefore I did not apply for any loans. This company says the payday loan was with XXXX XXXX. I told them I want to dispute it and they said I will still be arrested and placed in jail. I have never heard of either of these XXXX companies. I investigated this company and it turns out this has happened to many people before me. I filed a complaint with my Sheriff 's office, the FTC, and my Attorney General. RCS even told me I will be summoned and arrested at my work place. I had a complete meltdown at my workplace after getting this call. Two years ago I was XXXX, and this made it worse. Now I am afraid to even step out my door in fear that I will never see my kids again. On top of that, they never said the usual " This is an attempt to collect a debt and any information will be used for that purpose ; '' they never sent me any mail ; they said I could dispute but I would be arrested. I researched the laws a legit debt collector has to follow and this company has violated them.

Company response to consumer: Untimely response
Consumer complaint received 01-05-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Chase incorrectly entered an account number from a payer 's check deposited into my account on or about XXXX. This wasted two hours of my time, caused the person issuing the check and I grief when Chase wrongfully entered an account number from the XXXX XXXX account. I went to local branch and spoke with private bank gentlman who called the fraud department that had sent me an email saying my account was flagged and that all deposits would be monitored. They told him they could not located the payer 's account number. They have hit my account for below minimum fees and caused me major aggravation. Only after I called myself did Chase allegedly call the issuing bank and claim to rectify the issue. The service person from XXXX at Chase confirmed it was an error on their end. This is disgusting that Chase could n't figure out to call the issuing bank directly. It took them 6 days from deposit to figure out that there was an issue and it turned out to be an issue on their end by entering the wrong account number. The threats to review and hold up my deposits is totally unwarranted as is holding the monies until the XXXX. See the attached email from them. If I had not Chase on my own, after a failed visit to the actual XXXX XXXX branch, and beseeched them to call the issuing bank this would be pending forever. I 'm still not sure if they have fixed this mess. Why would n't they know to call the other bank without my telling them? Utterly disgusting. Bank reform desperately needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # B XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/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 explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: They are not standing upon the law that governs them. Eperian And XXXX have not followed the fair debt act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

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 04/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: GreenTree Servicing is the service provider on XXXX my mortgages and has been since about 2013. Their online system is not providing me with current statements. The last statement I have in the online account is from 2013. I have contacted GreenTree multiple times and they have not responded in writing. They have only left one voicemail message for me with no phone number from a blocked number. In that message they stated that the reason they have n't sent me a statement is because they do n't have my current address. That makes no sense and even if that were the case that 's no excuse for my online account not to have any updated statements. 
They do have my current address anyway as I 've received other things from GreenTree. 
I am trying to close on a mortgage for a new primary home and one of the checklist items in order to close is to provide a greentree statement. I am now being denied a mortgage because the best I 've been able to do is do a " print screen '' of my current balance. I am completely current, never missed a payment, have a credit score over XXXX but I ca n't get a mortgage unless Green Tree provides a statement. It seems illegal to withhold a statement. Is that legal? Why would they refuse to produce a statement? I pay on time every month against no statement!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have both federal and private loans with Navient. I borrowed over {$70000.00} from approximately XX/XX/2003 through XX/XX/2006 for XXXX school. I have been paying on these loans since XX/XX/2007 and have had a few economic hardships and filed a few deferments since XX/XX/2007 ( some derferments due to low income and some due to my XXXX 2 years ago whereas my income was low ). Due to high interest and late fees, my principal balance still remains to be approximately {$73000.00} after 10 years of paying towards my loans. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Working with Experian, report number XXXX, case number XXXX Report date : XXXX XXXX, 2017 has been way frustrating. They will not remove several errors on my report due to identity theft. I have been on the phone with them for over 12 hours, used their web sites, spoke to several employees to get their errors fixed, and they refuse. They would rather use mail to contact me. When I fill out the forms and return them, they say they need more information. They will not remove addresses from Florida that I have requested several times. I have never lived in Florida, never even visited the state either. My report shows 2 social security numbers, ( red flag to a competent person! ) It also shows two names and several addresses that I have never lived. I wanted to take a loan to purchase a new truck, but because of their errors, my credit shows to be in the gutter. They have given nothing but hardship and pain and it is not my fault. I have had flawless credit my entire life! I ask for employee names, but they do not offer last names, nor extension numbers to contact personnel. You are on hold for at least 30 minutes per call and get to deal with who you are dealt with-no chance to deal with that person again. How slimy is that and is that the kind of service I deserve? I am at the point of hiring an attorney to file a lawsuit against these clowns. I have been dealing with these people for over 2 months now to get my credit where it belongs and nothing, very frustrated.

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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have a charged off account with XXXX XXXX about delinquent payments, I contacted them prior to the late payments and explained my situation. I applied for the card a week after I turned XXXX, which is also 4 weeks after I had my XXXX and XXXX  child. I told them I was struggling hard being only XXXX and a single mother. I explained that I wasn't able to pay and they refused to work with me. I'm XXXX now and I emailed the CEO once again, 5 times again before I gave up. tI recently emailed the CEO of capital one, About 3 weeks later I got a response in the mail saying they refused to help me. I begged him for a second  chance. I'm young and I need help!

Company response to consumer: Closed with explanation