milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XXXX XXXX, 2017 I awoke to an email from PayPal as a receipt for a purchase to XXXX the night prior to account XXXX, the issue was that this was a fraudulent charge placed on my account to which I contacted PayPal within 2 hours of the email being sent to notify them, and dispute the charges since this was clearly a fraudulent charge.
Four days later on XX/XX/XXXX I received an email from PayPal stating that they had attempted to withdraw money from my bank account for the fraudulent charge, but was denied, causing an overdraft to my bank account, only to once do the exact same thing again onXX/XX/XXXX causing the same reaction of another overdraft for the exact same fraudulent charge costing me {$63.00}, for a {$21.00} fraudulent charge.
Over a month later the company finally declared that I was not responsible for the fraudulent charge and reimbursed my PayPal account for the amount of the fraudulent charge, but after a number of attempts at contacting them, has failed to address their numerous actions of attempting to fraudulently withdraw funds from an account without the permission of the owner.
The moment I informed them onXX/XX/XXXX that the charges placed on my account were not made by myself, and an investigation had been started, the company should have taken the step to protect the customer from any further damage to their account or those connected to their services by not attempting to process the fraudulent charges though other accounts the customer has entrusted PayPal with. Instead of protecting the customer the company shows a direct lack of concern for the those that have entrusted them with their information, placing profit over consumer protection.
These actions are unacceptable and should not be allowed to be carried out by any company big or small. The reason as of why they even attempted and then continued to collect on a claim that had been declared fraudulent is beyond my understanding, but PayPal should be forced to answer for their actions, as I am sure I am not alone in having these activities occur to the accounts linked to their company.
The companys actions on XX/XX/XXXX transaction ID XXXX when they attempted to refund XXXX to my bank account displays that they were fully aware of their actions and the mistakes that had been made, through a lackluster cover-up.

Company response to consumer: Closed with explanation
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 collection notice and called right away. I figured I had over looked it as we have many medical bills. While on the phone I was told there were XXXX additional, much older than the notice I called about. I paid the one notice and said I needed to look at the date for the other one. One of those were for my adult son and could not be discussed with me ( a separate complaint is being filed ). 
I called back and left a message to send me a copy of the other bill. I could find one original bill for the oldest of the incidents, but not other notices or attempts to contact us. 
Though I have paid these, I wanted to make the CFPB aware of the tactics, that I believe are aimed at gaining more interest. Over the year or XXXX these bills have gone without notification or contact until now, they have racked up quite a bit of interest. My son 's bill we are still trying to get verification that it is even his. It is very large and we do have insurance and an FSA account, I see no reason why we would have let them go. One could be over looked, but I find XXXX very suspicious. I just want the company 's business practices looked at more closely.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Payday loan) with American Credit Resolution, Incorporated (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted on Monday, XXXX XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XXXX XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from XXXX. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on the XXXX of this month. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Many calls ranging from 5-6 per day, often before XXXX and after XXXX. I requested all contact to be conducted on writing and they still contact all day, every day although they have provided no proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
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: I filed a complaint against Bank of America with the CFPB # XXXX. The problem I always have with this bank is that the employees try to strong arm you into dropping your dispute. They create so many obstacles most people would just give up. 

In this case, I filed a dispute against XXXX and I got into a very heated argument with a Bank of America employee @ XXXX XXXX. She reported to the consumer financial protection bureau that I no longer needed assistance from Bank of America for case # XXXX. Now, that statement is light years from the truth. 

I faxed all the documents to them that was requested of me and before the deadline. So why did this lady report false information to the CFPB? I hope Bank of America will go back and pull our phone conversation that accrued on Monday XXXX XXXX,2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was contacted by Weinberg Mediation Group with a recorded message insinuating that legal action was pending against me and that the " authorities '' in my " jurisdiction '' would be notified that I was uncooperative with efforts to resolve a " legal matter ''. The intent of the message was clearly intimidation and left the impressive that I would be in serious legal trouble if I did n't not make an immediate payment to this company that I had NEVER had any previous contact with. 

I made a call back to the number that called me and my spouse spoke to a woman who refused any information and stated she did not have to verify the debt, that it was my responsibility and when asked that they contact me only via USPS she disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Consumer Loan (Title loan) with U.S. BANCORP (NC).
Issue: Can't contact lender

Complaint: On XXXX XXXX XXXX entered into a loan agreement with US BANK for a XXXX XXXX XXXX XXXX. The boat had a manufacture defect in the floor and the company replaced it with a brand new ( XXXX ) boat in XXXX XXXX. The dealer contacted US bank with new XXXX and title. We paid off the boat and sold it to a new owner in XXXX of XXXX. When US bank sent the title it was for the XXXX boat and not the XXXX boat. Spoke with US Bank on XXXX/XXXX/XXXX and XXXX unable to locate any information on XXXX boat. Contacted dealer and was able to get a new XXXX and title for us. On XXXX/XXXX/XXXX received a lean release agreement for the XXXX boat, not the XXXX boat. XXXX XXXX new owner of XXXX boat attempted to registered with North Carolina XXXX. NC XXXX would not allow the new owner to registered the boat because stated that US bank still had a lean on the boat, even though new owner had title of boat. Contacted US bank on XXXX explain above situation. Again was told had no records of a lean for a XXXX boat in our name. Requested some type of documentation that a loan did not exist. Again received a lean release agreement for the XXXX boat. Spoke with US Bank on XXXX, XXXX. XXXX, and XXXX. Having to explain the whole situation every-time. At each occurrence I was promised a supervisor would call me back. I never out of 4 different promises received a call back from a supervisor. I still have not received any documentation that I can provide to the NC XXXX that a lean does not exist on the boat. The new owner is very upset that he can not register and thereby can not use a boat that he has a title to. I need US Bank to provide documentation that they have no records of Lean for a XXXX XXXX boat with that hull ID number. I also do not understand how a company can not follow through on it promises and poor customer service.

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 09/23/2016 about Debt collection (Credit card) with Cooling & Winter LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX XXXX XXXX XXXX XXXX filed for garnishment of my wages and my company was served on XXXX XXXX XXXX. Full payment was made on XX/XX/XXXX to XXXX County Superior Court. As of XX/XX/XXXX Cooling & Winter LLc has not requested the funds from the court. Full payment was made to the court and they still have the money because Cooling & Winter has not requested dispersment. Item is still showing on my credit as open and is greatly affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Struggling to pay mortgage

Complaint: the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). the lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - A QWR was also submitted to the lender on  X/XX/17  and we request a response to this prior to proceeding to a FC sale date of  X/X/17

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Payoff process

Complaint: Synchrony Bank contacted me as a result of a complaint I filed last week. My complaint dealt with how they allocated all of the additional payment on my Care Credit account to the interest-bearing purchase and none to the soon-to-expire promotional purchases. I had to call XXXX to get the allocation changed which took about XXXX minutes each time. When the representative called me, she explained that the legislation passed in XXXX required them to allocate any overpayment to the balance with the highest interest. Since the promotional payments had no interest if paid off in time, they had to credit the interest bearing purchase. I believe this is a technicality or interpretation that Synchrony has made that enables them to profit from the accrued interest on interest-free promotional purchases and was definitely not the intent of XXXX when the consumer protection legislation was passed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On or around XXXX XXXX, 2016 XXXX XXXX collection agency representative called my office seeking a consumer on phone number XXXX. 

Debt collection agency representative refused to give name of company and address to write cease and desist letter. 

Representative had wrong number in auto dialer system and continued to probe me as a third party despite the clear request for cease and desist information to be written per the FDPCA and similarly relating to Iowa debt collection law. 

Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In relation to the same, the representative-agent refused to provide basic information about the company in order to conceal identities in relation to the nature of her debt collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As this subject was not available, this category is the closest to my situation. 

I submitted a notice on XX/XX/XXXX to Citibank regarding my questioning of the validity of a credit card account, wherein I claimed this account/contract is void ab initio until Citibank could prove its validity with a wet-ink-signed document my myself proving so. 

In this notice, I gave Citibank 20 days to respond with such proof for me to inspect proving so. It is XX/XX/XXXX, and I have yet to receive even a response, let alone the proof I'm demanding. I also stated after this 20 days has passed, and without the said proof given, if Citibank sends me any bill, account statement, or anything that is not the proof I seek, I consider this harassment and will charge a minimum of {$500.00} for every time I receive it. 

This complaint is merely to document this situation, along with a copy I will attach hereto of the actual notice I sent on the said date that I am still awaiting a reply.

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 03/24/2015 about Debt collection (I do not know) with Receivable Recovery Services, LLC (LA).
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 CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: My lender told me i was approved on my home loan 2 weeks before the closing was scheduled so my lawyer did not renew the contingency contract since we believed we were approved. The lender moved the closing dates 2-3x & then finally, 2 days before the closing date he told us that our loan got disapproved & that he will restructure & he convinced me to pay higher rate because i was disapproved from the FHA loan we were trying to apply. So now the earnest money i invested worth {$3000.00} i was n't able to get back since we did not renew the contingency contract believing that our loan was approved. Only to be dismayed to know that he was trying to let us pay for higher amount & mislead us that our loan was approved in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Payday loan) with GVA Holdings, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: called me on a private number and said i owed a payday loan and they had XXXX feloney warrents for me and they would require a XXXX dollar secured bond and then she gave me a number for an attorney that was handling the case this occured one week ago i contacted the nc attorney general office and they said it was a scam and do not try to negociate with them

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with FIRST INTERSTATE BANCSYSTEM, INC. (SD).
Issue: Trouble during payment process

Complaint: We have had this mortgage since XXXX and we have always had an escrow account to pay our taxes and insurance. The mortgagor did not pay the homeowners insurance again. Stating that they did not receive a bill from XXXX. Well according to XXXX they had the address that they have always had which is an address in XXXX XXXX, SD not XXXX, WY. SO when I contacted the mortgage company they told me that it was my fault that they did not receive the insurance bill to pay it. That it was in our mortgage contract that it is our responsibility to make sure that they receive the bill. Now keeping that in mind we have had the same homeowners insurance much longer than we have had this mortgage company. So if they received the bill the last 3 years and paid it ; they should have received the bill this year and paid it. Also the mortgage company says it has 30 days after the due date to ay the bill. That is the biggest lie I have ever heard. That is not the case and XXXX confirmed that. I do not appreciate paying a mortgage company for escrow when they refuse to take responsibility for paying the homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: Wells Fargo Mortgage will not give me my amount when I call them to how much money was paid into the loan before foreclosed. 

Every time I call them its the run around on hold forever. When some one gets on the line its not even about what I 'm requesting. They always trying to tell me something that has nothing to do with the issue

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