milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: Greetins, I am having an issue with PAYPAL Inc XXXX I am disputing a negative balance of {$570.00} on my PAYPAL Account. 
On XX/XX/XXXX I tried to make a purchase from XXXX. ( XXXX- XXXX ) using my PAYPAL credit that is a line of credit from PAYPAL everything looked OK until next day that I got a negative balance of {$570.00} on my checking account ending XXXX?? Right away I contacted PAYPAL Credit and I asked why you put this balance on my checking account when I did this transaction through PAYPAL CREDIT and I NEVER chose or authorized to use my checking account. They said that I chose my checking account and I said to them many times that I DID NOT chose my checking account as source of payment or not even authorized to use my checking account also I have a copy of this transaction that it was through PAYPAL CREDIT. Even after I explained many times and disputed to them about this balance They tried few times to collect the money from my checking account XXXX ; getting me in trouble and on XXXX situation with my bank because I got few insufficient fees of {$34.00} each and my bank almost shut my checking account because PAYPAL. At this point I ca n't even use my checking account to make payments Now I have to buy a money order and mail the payments. 
So far one of my disputed I did with XXXX and XXXX from Pay Pal Limitations Department Ref # XXXX on XXXX They told me that I have to wait 10 business days and I am still not getting an answer from them. Today I called PAYPAL four times I spoke with XXXX Limitations Department again and they do n't have any answer for me. I really need to resolve this issue as soon as possible I am so concern that this issue could affect my credit report. Please I will appreciate so much any assistance in this matter. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Recovery Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services now hold XXXX of my mortgages sold to them by XXXX XXXX XXXX. Based on info at the below link I feel this is a no win situation for any consumer. 
XXXX Carrington Mortgage has seemed shady since I first began with them as a result of XXXX XXXX XXXX selling my mortgage to them. Their online pay system seems to have a great deal of troubles. I would attempt to sign in, it would not work, so I would go through the whole " get help signing in '' process, which would not recognize my security answers. I have had to call about this numerous times. They used to tell me I could pay by phone, to which I would reply that they charge a fee for that service and that I should not have to pay an extra fee because they ca n't seem to keep their online pay system working. One time when I complained that my security answers were not being recognized, customer service told me that that system is not working, and then proceeded to do it manually. I should n't have had to do it at all, and I certainly should n't have to do it numerous times over and over, month after month. '' " If you are considering a loan from Carrington Mortgage Services, DO N'T DO IT! I pay most of my bills online and their website is jacked up. It posted a payment, then rejected it without letting me know and then reported a late payment on my credit report. The mistake was totally on their end and they refuse to resend the late payment status. This is n't the first time that it has happened. If you call them with ANY question, be prepared to give your life 's history and be on the phone at least 20 minutes even though they verify you from your phone number. I plan to flood social media about this company and recommend that if your experiences have been anything like mine that you do the same. They are sketchy at best and I am furious! '' " Our loan was sold from XXXX to CMS about 2 years ago. It has been XXXX nightmare after another. I think it 's appalling XXXX has done this to so many people. The first month with CMS, we received a letter saying we had an escrow deficit. Just like so many others, we did NOT have a deficit. They wanted to raise our payment nearly $ 100/mo. After multiple complaints and a complaint to the XXXX, they decided to raise our payment half that much over 2 years instead of the full amount for 1 year. We felt there was nothing else we could do. We have been ripped off for nearly 2 years.?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX    Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with  XXXX  and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 attempted to dispute errors that are reporting on my credit report with Transunion. They are not properly investigating that issues and have ignored my claims. They have not provided me with a Proper Method Of investigation which per the FCRA has to show you physical proof of who they spoke with, when they spoke to them and what verifiable proof was shown to Transunion, none of which they have shown me. They have repeatedly told me that an items has been " verified. '' Though that is not legal verification per the FCRA. These items need to be erased immediately because they are causing undue harm to my credit file and my personal life. I have attached my dispute letter and identifying information to prove my identity.

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 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with Bonneville Billing and Collections (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a bill in the mail for {$120.00} from XXXX XXXX Account number XXXX. I called to pay the debt. They told me there was another debt of {$550.00} attached that i was going to be served on. 
I called back to speak with XXXX, she informed me that even though I had not yet been served I would now need to pay {$1000.00} for legal fees and filing fees. 
I called back on payday to pay the debt ... I STILL HAD NOT BEEN SERVED. XXXX, whom I spoke with said the total owing was {$550.00}. I asked her if I needed to pay the {$1000.00}. She asked me if I had been served. I told her no. 
She then told me I would only need to pay {$550.00} to settle the debt. That is exactly what I did. 
I received a call XX/XX/2018 from XXXX, who was extremely rude and said I still owed the remaining balance. I informed her that I have yet to be served and XXXX told me I did not need to pay the difference {$1000.00} minus the {$550.00} because I had not yet been served. She could go back and listen to the recorded phone call because I specifically asked if that needed to be paid, I had the money in hand and she told me no. 
XXXX, said she would go back and listen to the call but I was still liable for the debt. I want to know my rights and if this is true?

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls every two hours from Diversified Consultants with no message being left. I never consented for them to call me nor did I ever agree to do business with them. I do not have any accounts in collection and they keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with Galaxy Capital Acquisitions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the account XXXX XXXX, XXXX. I talked to the person on the phone and they said it would take 24 hours to clear and for them to make the change from collection to paid and closed. I got a status update that it was changed from collections to paid and closed. In XXXX I got a 90 day late alert for that same account. I tried to have it fix with a series of Good-Will letters with the company and dispute with the credit agencies of the errors on the delinquencies being reported wrongfully. It comes back verified but nothing was changed. I filed a CFPB complaint XXXX XXXX and then on the XXXX of XXXX I got a letter that said that the account is now being serviced by Galaxy International Purchasing LLC. When I contacted them today they said they own the account as of XXXX XXXX XXXX. I have not received any letters prior to this first letter, they have dated XXXX XXXX, XXXX. I called XXXX XXXX because Galaxy told me to call XXXX XXXX. I was talking to a gentleman named XXXX and asked him about the 90 day late as of XXXX XXXX. He said that they have got the good will adjustment letter. That is why they updated my account with the 90 day late. When I talked to XXXX about the 90 day late he could not make an adjustment even if there was something wrong, he said I need to dispute it and I told him that I already did and it would come back verified. Than all he said was " sorry, there is nothing else I can do ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2017 I contacted Transunion to dispute an account reported delinquent by XXXX XXXX. 

Following my online dispute, I had a follow-up conversation 10 days later via phone. I asked for their fax number as the original creditor XXXX XXXX agreed to fax a letter to TransUnion advising to correct their information and that I had no delinquent payments. 

Both myself and the original creditor have made several attempts over the last three months to get TransUnion to have my credit bureau reflect accurate information on my credit report. 

Despite our numerous attempts in all communication formats, TransUnion refuses to comply with the Fair Credit Reporting Act, that has had a direct economic impact on my ability to both get credit and the cost of obtaining credit. 

Attached is a copy for XXXX XXXX sent directly to TransUnion advising them that my account should not reflect any delinquency that should substantiate my claim of TransUnion negligence and merit both civil and criminal sanctions on Transunion in accordance with U.S. Code.

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 04/25/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (ND).
Issue: Managing the loan or lease

Complaint: I took out a loan from XXXX XXXX, through Synchronicity Bank. It was supposed to be no interest and no payments for 6 months. They incorrectly reported it late on my credit. They said they would remove it, but it 's still not off and is causing me issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Closing/Cancelling account

Complaint: Office Depot Credit Plan has closed my account after " review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account.

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 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX XXXX MADE PAYMENT XXXX ON XX/XX/XXXXTO BOA XXXX XXXX XXXX XXXX One XXXX XXXX XXXX XXXX, New York XXXX BUT BOA CLAIMS BOA DID NOT RECEIVE PAYMENT WHICH MAKES PAYMENT LATE.

THERE IS NO ONE TO CALL AT BOA BECAUSE BOA ONLY TAKES APPS AND I DONT HAVE A CELL PHONE.

I NEED CURRENT STATEMENT AND XX/XX/XXXX STATEMENT AND I NEED TO KNOW THAT MINIMUM PAYMENT WAS RECEIVED ON TIME. AND I NEED SOMEONE TO CALL NOT SOMEONE TO TEXT. IF BOA WANTS TO DEAL WITH A COMPUTER NOT A PERSON DONT DEAL WITH ME, BOA. CHANGE HOME ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 08/19/2016 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (TX).
Issue: Problems when you are unable to pay

Complaint: I have been having some financial problems and because I have asked to stop all payment withdrawal from what is now my husbands account and Texas Acceptance still continues do it, accumulating over draft fees, I need to dispute it. I have tried to keep in contact, although I realized that I have broken promises to pay, my intention 's is to pay this debt off. But at this time Texas Acceptance is no longer working with me and although I have asked them not withdraw from the original bank account given they still continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I have sent several debt validation letters to Transunion over the past 6 months and they do not do any proper investigation or fulfill any of my requests for investigation. I told them about my address being in correct, I sent in proof of my utility bill with driver 's license and ss card, they sent me a stall letter. I asked for XXXX account on my credit to be removed because it could not be validated by company. They still have not completed it. I have a discharged bankruptcy that is not reporting on XXXX or XXXX so why is it showing on Transunion? I have told them this and they have yet to budge on any of my requests and it has been well over 30 days each time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX I submitted Mortgage Loan Application to Chase Bank Mortgage Banker ( XXXX XXXX XXXX XXXX ). I spoken with the subject on the phone few days after the application as submitted and she requested I provided with her some of my personal financial information thus she can better assist me with the loan application. On XX/XX/XXXX at XXXX I received an e-mail from XXXX XXXX stating she was unable to run the pre-qualification in her system due to computer issue, however she was able to get my credit report and did found an item on my credit report and advise I call her because it is relatively easy to fix. On the same day approximately XXXX I called XXXX XXXX and she told me she is on the phone with credit report agency and she will get back to me. 

Since then I never heard back from XXXX XXXX and on XX/XX/XXXX at XXXX I e-mailed her about the status and I received no reply. Thus, I 'm respectfully requesting XXXX XXXX to remove to remove credit inquiry she have made on this application, thus I can contact someone difference. XXXX XXXX communications skills needs work and she should not request consumer credit report and or financial information if she is going to disappear with out any notice. 

I feel my credit report was neglected by her and it needs to be removed by her bank ASAP. I 'm currently in process of buying home and last thing I want is have chase run my report again because of her lack on confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XX/XX/XXXX I was accepted into a new school XXXX XXXX XXXX XXXX. When I applied for a loan for school the XXXX website was not able to locate a school code for XXXX College XXXX XXXX. I made this problem aware to XXXX College XXXX XXXX XXXX founder XXXX XXXX XXXX XXXX. We sat in his office doing the loan application on the XXXX website and he entered XXXX College XXXX XXXX school code and claimed the XXXX schools were associated. XX/XX/XXXX I arrived at school to find that the school was forced to shut down by the State XXXX. Later I attended court hearing and learned XXXX College XXXX XXXX was never associated with XXXX College XXXX XXXX and was not aware of XXXX XXXX XXXX XXXX and XXXX XXXX misleading students. The state found XXXX XXXX XXXX XXXX and XXXX XXXX guilty of misleading students about accreditations, failed to make statutory disclosers and produce records and illegally accepted payments. XXXX XXXX XXXX XXXX and XXXX XXXX are not to ever conduct business in the state XXXX. From the lawsuit no money was given to me to repay the school loans that were acquired under false representation. I am asking for my loan to be discharged from American Education Services but have been getting the run around for almost 8 years. I never received my degree XXXX. I am a single mother and there is no way I can afford to pay off this {$50000.00} loan.

Company response to consumer: Closed with explanation