milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account, they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless, this is far beyond the 4 yrs. statute of limitations in California for collection of debt on account per Civ. Proc. 337. I received no notice about this until I called in in 2015 after they took my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Bankruptcy

Complaint: My wife and I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged in XXXX XXXX. A Wells Fargo credit card was included in the bankruptcy. Wells Fargo continues to report the balance is owed and payments are delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I called into XXXX home security and made a payment in the amount of {$70.00} they advised because I made a month payment for my home security system that they would continue my contract and service. After making the payment it was agreed that they would accept the balance on my account in the amount of {$190.00}. I never knew they disconnected services and transferred the account to Focus Receivables after receiving payment and agreeing on balance of {$190.00} to be made payable on XXXX XXXX, 2016. I spent more than an hour making arrangements and also making a monthly payment. They took money on false pretense advising that they were going to continue services when they actually discontinued service and sent account to collections after making agreement and receiving money. I am disputing the collection attempt after payment was made and arrangements were also done as agreed. XXXX continues to receive money advising customers that they will do certain things and do not XXXX has a poor customer service making arrangements and taking money when they should assist and stop sending accounts to collections when they has already made payment arrangements with their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I was a victim of identity theft ; my SSN, drivers license, and checks were stolen and used to write checks and open/apply for credit cards. 
In 2012, I moved back to XXXX from the XXXX, IL area. I had assistance from a local moving company. Upon arriving in XXXX, I noticed that there were some personal items missing including my social security card, drivers license, state ID, a box of checks, and XXXX credit cards ( I always safeguard these items in one of my dresser drawers, and they were missing ). About a month later, I realized that my account was negative and there was a {$500000.00} hold. When I spoke to a rep at Fifth Third Bank, they informed me that there were a few checks written out that were cashed for roughly $ XXXX-XXXX. I advised them that this is fraud, to not honor the checks, and to close the account ; I did not want to have checking accounts at a bank that the fraudsters knew I was associated with. I contacted the credit bureaus and placed fraud alerts on my credit report, and also contacted XXXX XXXX and XXXX XXXX ( XXXX cards were used fraudulently around that time as well ). 
I recently ordered a XXXX report and noticed that Fifth Third is still listed along with the reason for account closure : suspected electronic fraud. I contacted XXXX to have the item removed, but was sent a letter roughly 2 months later stating that Fifth Third said everything is valid ; Fifth Third has no right to tell me that everything is valid, when I have told them multiple times that it is not. I was a victim of identity theft and the person that cashed my check needs to be held accountable, not the victim ( myself ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I called up today to get the pay off amount and was told they did n't have it even when I originally ordered it last Tuesday and I was told XXXXXXXX hours. They I told them I was faxing the XXXX form today and she said they were waiting for XXXX more paystubs which I wont have until Friday. I asked could n't they postpone the sale day for a week to get this figured out and she said they were n't going to do that and If I could n't have a full packet in by today they were n't going to waste their time looking at the review anymore. That tells me that wells fargo has no intention of helping us save our home and they are forcing us to do a chapter 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 06/16/2017 about Debt collection (Other debt) with FirstPoint Collection Resources (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX  in  XXXX , North Carolina charged me for natural gas consumption in  XXXX   XXXX  for a volume that wa s 10 t imes what I consumed in the month prior. My natural gas consumption habit did not change from  XXXX  to  XXXX , although a modest increase could be expected to due to heating requirements. In fact, I vacated the premises on  XXXX   XXXX , and the heating was turned off at that time. There was no justification for a ten-fold increase. I asked for a review of the account by  XXXX , and  XXXX  took no action. The debt was sold to FirstPoint Collection Resources of  XXXX , North Carolina. In  XXXX   XXXX  I received a letter that was dated  XXXX   XXXX ,  XXXX . I believe the letter was pre-dated in order to eliminate possibility that I could challenge it in the time frame allowed by law. This is a fraudulent bill, and it appears to be a predatory business practice of  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: When Bank of America transferred servicing of my loan to XXXX they had added {$16000.00} of interest to the principal without providing me with a Form XXXX for that interest. They called the interest deferred interest without sending me a Form XXXX or reporting it to the IRS. Bank of America ( BANA ) was involved in a class action suit ( XXXX v BANA ) in 2014 over deferred interest. In that case the bank admitted they had changed their system to not report deferred interest as required by law. After the case was settled they sent corrected Form XXXX to the mortgagees of loans that they were still servicing but not to mortgagees of loans that servicing of the loan had been transferred. They did add the deferred interest to the principal before the transfer and when asked about it after the court case continued to call it principal that did not have to be reported. In the first complaint I sent to the CFPB they answered it with the usual it is deferred intereast and is principal and is not reported. They CFPB Bulletin of 2014 stated " A transfer does not relieve transferor servicers from their obligations under 12 CFR 1024.35 and  .36. Transferor servicers are obligated to respond to notices of error and information requests from the borrower ''. I requested the corrected Form XXXX within one year of the time BANA admitted in court to intentionally not reporting deferred interest. I have attached copies of my records and the Banks activity history printouts that match my figures and states what they have done. That is, add deferred interest to principal do not report it to IRS as income and do not report it to mortgagee as interest on Form XXXX and they transfer it to another finacial institution for full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (MA).
Issue: Managing the loan or lease

Complaint: My name I XXXX I have leased two vehicles from Honda. On XX/XX/2016 the propriety tax was posted for both vehicles I paid both with the monthly lease payment XXXX did not recognize that and kept billing me for late fee and the payment I have already paid until XX/XX/2016 where I have paid four Paine to for each vehicles. I have been paying on time even I have paying the fee which are ases to me wrongly. I kept calling them and the ask me to pay and they informed me they have reported me to the credit bureau then when I check my credit score it dropped from 850 to 660. I call Honda finance on XX/XX/2016 XX/XX/2016 XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. They kept saying some one will call you they never did. 
Where should I go to solve this problem they ruined my credit score how could help me

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is to inform you that TransUnion has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>* XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/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 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Im having problems with 2 separate loan companies.. one with Navient and another with XXXX. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With XXXX, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With Navient I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a property in XXXX with a mortgage with XXXX XXXX Bank XXXX. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (I do not know) with GC Services Limited Partnership (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On Friday XXXX my sister received a call/voicemail on her personal cell phone asking for me by my nickname ( not legal name ). The caller was XXXX XXXX asking to return call to XXXX XXXX. My sister called me worried that there was a problem ... I returned the call and XXXX XXXX did not identify herself as working for a debt collection agency until I asked specifically. XXXX XXXX requested personal identifying information before identifying her companies business. I refused to provide information beyond my birth year which confirmed the alleged debtor was not me. I asked XXXX XXXX which company she worked for and she told me XXXX. I then asked why they would contact a family member for debt collection for a debt which was easily identifiable as not mine. I asked XXXX XXXX for her companies federal tax ID number for complaint purposes and she said she was unable to provide it. I was then transferred to a supervisor who identified herself as XXXX XXXX. XXXX XXXX identified her company as GC services which is incorporated in the state of Texas. XXXX XXXX again refused to provide a federal tax ID number. She refused to tell me if the company had any DBA 's or subsidiaries. She then refused to provide me a contact number for herself. She also attempted to acquire personal identifying information from myself and did not disclose the purpose of the phone contact. In Summary XXXXGC Services contacted a relative on a personal cell phone regarding a debt that was easily identifiable ( even by birth year ) as not belonging to me.. when contacted the company representatives did not disclose their purpose and asked for personal identifying information. Management then refused to provide company information even so much as a contract phone number extension.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am writing to claim false debt collection. The first calls were coming from XXXX XXXX at XXXX in XXXX XXXX. This number was contacting several family members about collecting the debt. However, I was not notified of the name of the debt collection agency or any written mail or email presented from this company. They were very abrasive about collecting money, and when the payment was due on the first call. I agreed to make the two payments. At this point in time, I did make the first payment. Upon further research of the number, there were several websites accusing this number as a phantom debt collector and a scam. I became worried, and did not follow through on the second payment. A second number began calling at XXXX ; this was XXXX XXXX claiming to be from XXXX. XXXX was calling several family members, as well. He did not know of what number called before, and I notified him of the potential scam which is why I did not make the second payment. The email he claimed to have sent on the XXXX of XXXX was not anywhere to be found. I am concerned that the company calling is not a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with Navient ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called Navient several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called Navient to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XXXX XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but Navient did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can Navient fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I was departing the country fro two months and paid my XXXX and XXXX mortgage in advance and asked for auto pay to be removed. In XXXX the Bank of America attempted to collect the XXXX payment an increased rate of {$2600.00}, as the fund were not available I was charged overdraft fee. 
The mortgage department then blocked me from paying the mortgage, because of a late payment. There was no late payment as it was a attempt to collect the mortgage two month in advance. 

On Friday the XXXX of XXXX I received the letter saying they refused the payment of XXXX mortgage by direct transfer. I had to pay by certified check. 
I explained that I had just come out of hospital and could not drive, the bank employees said they would not make a change so that I could pay on line nor could I pay in cash even if I went to the bank. 
I have been discriminated against and not given fair and equal access to my account both the mortgage account and current account are in my name and the Mortgage department blocked payments. 
In desperation I called my daughter who drove me to the bank to make the transfer. 

When I called the mortgage department back they said they may return the payment. 
The supervisors failed to call me back failed to put me in touch with the resolutions department. Failed to provide their names, threatened to foreclose on my house. 
This was extreme discrimination against an elderly XXXX person, I fully informed them of the XXXX and still was forced to travel XXXX miles to the nearest branch to resolve the issue. This was XXXX. 

Durung the past several years I have had numerous complaint on enforced insurance when I held insurance. Overcharging of insurance when they enforced insurance, failure to return funds. The mortgage rate is charged at 6.25 % the bank refuse to change this due to dramatic changes in circumstances, I am being forced to sell the house due to the XXXX, overcharging and general harassment by the Bank of America Mortgage and Insurance department.

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 11-05-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My house foreclosed and I had a second mortgage that was not forgiven in the amount XXXXThe company XXXX XXXX offered a 20 % settlement with me which I did n't originally agree upon and asked for 10 %. They would not do 10 % so I later agreed to 20 %, however they said they sold my debt to a law firm XXXX MN. XXXX would not respond to any of my attempts to make payments to them and threatened to garnish my wages if I did n't immediately sign an affidavit and payment plan to pay them in full. I asked them where I could send payments and they ignored me. They only communicated with threatening letters and phone calls. Finally under duress and the only way I could get them to tell me how to send a payment was I signed their pressured paperwork. I feel they used threats and fear to ignore my attempt to pay them the original agreed upon 20 % settlement which they forced to 90 % now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have a couple medical bills reporting from collection agency i asked for proof of accounts and i never received docs on this this accounts and they still shoeing on my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: I requested a refund from Citibank in XXXX 2015 secondary to duplicate payments made on my Sears MasterCard. I forwarded a written request for and proof of payment of these funds to Citibank on multiple occasions. I have contacted Citibank on numerous occasions since my initial correspondence, but to date I have not been refunded for this overpayment.

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