milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2016 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Billing disputes

Complaint: I was recently charged a large amount of interest on my Amazon store card. These charges were from the deferred interest from promotional purchases that have expired. I recently dug into the details of these charges and discovered that they give you the option to apply your payments to promotional purchases first, but you have to " opt-in '' to this on their website. I would have done this the entire time to avoid interest charges ( as I am sure everyone would ) had this option been made aware to me. Instead, the payment allocation method is set to " standard '' by default.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with Franklin Collection Service, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bay view loans continues to report that I have an open account and that payments are incorrect. I have already signed a legal document that states the mortgage and dead have been surrendered to   XXXX   XXXX  .   XXXX   already shows the corrected information that matches the legal document, yet   XXXX   XXXX   is still receiving incorrect information. All documents have been filled with the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: On X/XX/2017, I discovered 2 unauthorized charges on my PayPal account, which is connected to both my bank and credit card. My PayPal account had 2 unauthorized charges to XXXX and XXXX respectively. Although XXXX and XXXX both confirmed to me that these transactions were made under a fraudulent account, they were unable to release any further information, except XXXX provided that the name on the account was " XXXX ''. I do not know anyone by that name. 

Because I had previously connected my PayPal account to my XXXX and XXXX apps, these merchants were considered to be " pre-approved ''. It allows transactions to be made without any further verification and this is how they were made without my knowledge. 

I relayed this to PayPal multiple times, but it has been difficult to receive any kind of personalized response. I do n't expect a formal letter, but none of their email and messages address what I say that may even help them in their investigation. In the end, they closed my claims stating that these charges were authorized because of the pre-approval. 

Now I am trying to close and remove all my payment methods from PayPal, but I keep receiving errors saying that it ca n't be done. Trying to talk to a real person at PayPal has been a nightmare. 

I have since resolved the disputes with my bank and credit card company, but I am worried PayPal will try to push the transactions through again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing ( SLS ) engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I provide SLS with the enclosed Notice of Error & Request letter for Information pursuant to XXXX. SLS never responded or took any corrective action pertaining to my my monthly income. SLS never directly responded to my Notice of Error & Request for Information letter as required pursuant to XXXX 
SLS incorrectly calculated my gross monthly income at {$1900.00}, when I provided a profit & loss statement showing {$6300.00}. per month on XXXX XXXX, 2016. This error makes it appear my loan modification request did not meet the requirements. 
I also previously sent via fax and email the same updated profit & loss statement on XXXX XXXX, 2016 and verified with a SLS representative via phone call that they received the profit & loss statement. 
The SLS representative told that they did not use the updated profit & loss statement during the processing of my loan modification request and instead pursued the prohibited practice of dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Trouble during payment process

Complaint: Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX  back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have fraud alert on my Chase Visa card, which I appreciate, but I DO N'T appreciate how they use it! I made a credit card purchase from an overseas internet vendor -- whom I have used before and who I know is reliable. Instead of just alerting me that this purchase looked suspicious and asking me if it was valid, Chase DECLINED the transaction -- even when I verified that it was legitimate. This put the burden on me to re-contact the vendor and start all over again!!! Also, it delayed the shipment of time-sensitive items. Obviously Chase did n't want to be exposed to fraudulent charges so instead of just putting a hold on the transaction until they verified whether it was legit, they declined it, making more work for me. NO OTHER credit card company I do business with uses this procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service ((CD) Certificate of deposit) with Comerica (CA).
Issue: Account opening, closing, or management

Complaint: I will be following this up with a letter to the bank, but thought this might be  another avenue  to reach someone. Recently I took my father, the accountholder, to the Comerica Bank branch in  XXXX   XXXX , CA. The purpose was to order a duplicate  XXXX  and copies of relevant statements on the account because we believe that funds were withdrawn without proper authorization. The statements will be needed for legal action, however, we did not relay that information to the staff at the branch.   Upon first speaking with th e Branch Manager, s he told us we had to go back to another branch to order the documents. That makes no sense since we can visit any branch to transaction business, why did we have to be inconvenienced by going to another branch to request documents.   Then we were told since the account was closed she could not provide bank statements. We understand there is a charge for copies of statements but she kept insisting that since the account was closed we could not request copies of statements. In fact, her last directive to us was that we had to serve a subpoena in order to receive those copies. By the way, the account had only been closed since  XXXX   XXXX  and the account has been opened since the late  XXXX  's.   I work in the banking industry and know about record retention and the facts as given to us were simply not accurate ( requiring a subpoena to obtain customer documents  ).    Lastly, we wanted to order a  XXXX  on the account since it appears to have been misplaced. Again, we were refused and told to subpoena documents.   When I asked to speak to her supervisor, she gave me their number fo r Quality Assurance  at  XXXX . I did in fact call that number and to this day have not received a call back. In fact, while in her office she called the same number and received a voicemail. I asked " What number do you have to call  as a Branch Manager wh o needs immediate assistance ''. She said she calls the same number. I wanted to immediately talk to someone of higher authority and was essentially refused.    XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I received a charge of {$73.00} from XXXX XXXX ( Reference : XXXX ) on my credit card. While I had done business with this merchant years ago, I neither recognized nor authorized this transaction. I disputed the charge with American Express and they " resolved '' it a few weeks later saying the merchant provided supporting information. The supporting information was a XXXX copy of my online profile page - not a receipt. I called American Express and they could n't explain why they would accept that as " proof '' of this transaction ( XXXX call center ), only stating that I could reopen the investigation and that maybe it was filed incorrectly ( as " I do n't know this merchant '' rather than " I did not authorize this transaction '' ). ( Dispute Reference Number : XXXX ). 

I reopened the investigation following their instruction on XXXX XXXX, 2015 and yesterday ( XXXX XXXX, 2015 ) I received a notification with the subject " Your account has been credited '' and body " We contacted XXXX for you to give them the opportunity to provide any additional information. As of today, they have not given us the information we need to resolve the matter. Therefore, we will issue a credit for {$73.00} which will be reflected on an upcoming statement. '' ( Dispute Reference Number : XXXX ). When I went online to confirm this credit was posted ( or pending ), I did n't see it so I initiated a chat session. I asked the representative 1 ) when it would be credited and 2 ) why they accepted the initial claim as proof. They statedI called American Express and the customer service representative said she would credit me this amount, however it 's not posted to my account. More importantly, she stated that the original and subsequent claims were both denied but could n't provide any justification for them. It 's a matter of principle : this was not my charge. 

So I am writing you as a last resort as this charge was not mine, and I attempted to resolve this issue XXXX now with my credit card company. I wo n't accept a simple " here 's a credit '' rather I would like them to explain why they still feel this charge is valid. I would like the charge reversed. 

Thank you for your time and consideration on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Medical) with Lotane & Associates, P.A. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatening to take legal action but keeps postponing the court date. Will not take a lesser payment than what they feel is appropriate. Filed financial hardship documentation stating affordability of payment. Lack of communication with agency. Original debtor ( hospital ) is unable to contact agency. Agency refusal to work with plaintiff. Self identifies as collections agency and lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with BANK OF THE WEST (NM).
Issue: Problems caused by my funds being low

Complaint: The bank charged me a {$35.00} fee which was unfounded and a huge disservice as a single mother who literally counts pennies to feed my child. I will not have anymore income for two weeks and that {$35.00} dollars was literally the budget to feed my daughter! Child Support issued my benefits on XXXX/XXXX/16 ( documentation attached ). I wrote a check in the afternoon on XXXX postdating it for XXXX/XXXX/16 which is when the {$130.00} showed up in my bank ( which was initiated on XXXX ). Yet, somehow when I woke up on XXXX/XXXX/16 the check had already been cashed ( again it was post dated XXXX/XXXX/16 ) and I had a {$35.00} fee. I do not have any money to throw around and I am disgusted in the Bank of the West for fraudulently sneaking in fees like this. I would normally let it slide, but I do not even have {$35.00} left in my bank to feed my child for the next two weeks thanks to this unexpected fee which I did my best effort to avoid by not letting my account go negative, but still got XXXX over by Bank of the West!

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 02/23/2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: USAA Federal Savings Bank ( hereinafter referenced as " USAA '' ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have " charged-off '' the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: On  XX/XX/XXXX  our home located in  XXXX   XXXX , GA was heavily damaged due to hurricane  XXXX . The house was flooded, a large tree fell on the roof causing it to cave in and bricks were also torn away. The homeowner 's insurance is issued through  XXXX   XXXX   XXXX  and the insurance adjustor was sent to inspect the property. They issued us a check in the amount of {$58000.00} made payable to the home owners and Bank of America the mortgage holder. Because of the amount of the check, it was endorsed by home owners and mailed to  BofA Insurance Processing Center  to be sent in increments for repairs to the home. We received a check in the amount of {$20000.00} on  XX/XX/XXXX  and a check for {$20000.00} on XX/XX/XXXX . After each chec k BofA  has sent someone out to inspect the home to be sure all repairs are completed. We are now waiting on the final installment to complete work so property can be put on market for rental. We have been in contact with Bank of America since  XX/XX/XXXX  and have sent all requested information but they will not release final payment and has not given any legitimated reason as to why the check has not been mailed. The last fax on information requested was sent to  XXXX   XXXX  on  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 monetary relief
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Faxed a XXXX request for mortgage assistance package to the Home Retention Assistance department at Rushmore Loan Management Services on XXXX/XXXX/2016. Called today for a status check on XXXX/XXXX/2016, and the representative said they would not review the RMA because the sale date is XXXX/XXXX/2016. I 'm not a lawyer, but in review home retention state law they are required to stop the foreclosure and review the RMA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When trying to access trans-union credit report I was not able to obtain since they claimed I had already received my credit report this year. I did n't see any information on the site about how to contact them. I would like some assistance with this matter please, I 'm beginning to think I 've been compromised and would like to know what other steps I could take.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XX/XX/XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

XXXX XXXX XXXX. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by XXXX XXXX to the account to bring the account current. 

XXXX XXXX then proceeded threaten to suit me and finally file a law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX, i signed a lease with sunlake at edgewater apartments. I received a derogatory mark on my XXXX credit report, stating that a collections account has been opened in the amount of {$6000.00} on XX/XX/XXXX. I know for this cant be correct, and i have to address it immediately. I did n't receive any mail indicating this or a verbal phone call. I would like for action to be taken to get this negative mark removed from all my credit reports and or set up arrangement to pay debt off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Can not login to any apps that allow me to track my subscriptions because TD bank does n't allow 3rd party apps such as XXXX.

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

Complaint: My personal financial information was exposed and otherwise made available to thieves by Equifax who did not maintain their on line databases responsibly and sufficiently to avoid their being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Well I never really use my card for really big purchases so when i look at my account it said -XXXX in checking and -XXXX in savings so i called my bank and started a claim the operator was very confusing so i didnt understand her so when she asked me stuff it confused me so after that she gave me a claim number and thats it i called back a fee days latter and they said it was denied bc of information she explained it wrong so i gave the wrong information.

Company response to consumer: Closed with explanation