milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AZ).
Issue: Overdraft, savings or rewards features

Complaint: I had an issue with my account due to a duplicate transaction. The credit card company charged me an overdraft fee and assured me that it would be refunded once the dispute had been resolved. Once the dispute was resolved I noticed that the overdraft fee had not been refunded. I contacted Netspend to make them aware of the issue and both agents were rude and unhelpful. At one point of the call the representative told me that she would have to hang up because the call was taking too long. I then asked to speak to a supervisor for further assistance. Netspend is telling me that they refunded the money, but when I ask them to walk me through it they wo n't. The information I have online does not match what they have in their system. They claim credits have been issued to my account that I can not see. I do n't think that this is fair to me as the consumer, I also do n't like how the customer service reps treated me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I started a few months ago on my XXXX credit report. I called all XXXX open collection accounts original owners, explained my heath got real bad in XXXX mostly medical bills that was not filed with my health ins. I paid my office visit copay at that time. each one that I spoke with agreed, that 's why I have no collection accounts open {$0.00} Dept w /XXXX. I then started same dispute steps with my equifax credit report, they deleted all but XXXX of the same medical accounts? I explained & disputed accounts maNY MORE TIMES THEY WONT DELETE SAME EXACT MEDICAL BILLS, THAT WERE DELETED FROM MY TRANSUNION REPORT? XXXX, XXXX, EQUIFAX CREDIT REPORTS SHOULD ALL BE NO COLLECTION ACCOUNTS. IM XXXX NOW ON SMALL FIXED INCOME. IF I GET MY CREDIT SCORE UP TO XXXX THE STATE WILL HELP ME BUY MY KIDS & I A HOUSE. PLEASE HELP ME HAVE THEM KNOW ITS RIGHT THING TO DO, BECAUSE IT TRULLY IS.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Ray Klein, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today is XX/XX/XXXX. It was reported that Equifax was hacked back in XXXX and lost close to 145 million people 's personal information, and they did not disclose this information until just recently on  XX/XX/XXXX. Equifax executive 's actions leading up to disclosing the hack of user information was criminal and dishonest - they dumped their company stock to reap financial gain on behalf of this terrible news. This is a perfect example of insider trading. I 've reached out to the company via phone but have not made any meaningful contact to determine if I was actually impacted by this hack. I 'm thoroughly outraged at Equifax actions and am worried about my personal information being stolen or provided to the public. I respectfully request serious action to be taken and that Equifax employees who acted immorally or against the law to be personally held liable for their actions. I am highly suspect of fraudulent behavior from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Checking account) with ARVEST BANK GROUP, INC. (MO).
Issue: Problems caused by my funds being low

Complaint: I owed XXXX bank an amount of money have paid the amount off over almost XXXX years ago. Arvest bank has since purchased XXXX bank and has refused to take debt owed off my credit report even though arvest has given me letters stating the balance was paid off. I have sent numerous emails and made numerous phone calls all which have said they will take this off my credit report. They have never taken this off my credit, and are now failing to return any calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: PNC Bank Shows I have the money in my account but they play games with the posting date. Then they charge you a overdraft fee this has happened 2 times to me. For a {$36.00} dollar charge 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello, i bought a XXXX XXXX XXXX in XXXX XXXX. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. Please help!!

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has allowed the personal identity of myself, and my 4 family members to fall into the hands of criminals. They did so knowing there was a weakness in their security, and their top executives sold off stock in their firm, before making it public, protecting themselves, at others 's expense. 

I believe a crime HAS been committed, and I should be able to place a 7 years freeze on all 3 of credit bureaus for myself and my family AT NO CHARGE! 

Alternatively, the federal government should allow each of us to change our social security card. 

I am dismayed by the lack of federal attention to this matter. I expect it from the Criminal in Chief and his team of hacks, ( Trump ), but hope for better from your department in the days and weeks to come. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I became XXXX and when I contacted Ocwen they put me on a repayment plan but did n't offer a loan modification. I got hospitalized and once released and no longer depressed I contacted Ocwen and the representative told me I could not send in the payment. So, I eventually applied for a modification and each time my application has some how disappeared. But I have been assigned a representative from their company more than once. I have even taken my loan modification application to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. on several occasions. I contacted to get a pay off and they quoted me XXXX but the attorney representing Ocwen gave a quote just a little over XXXX XXXX. I submitted the loan modification to their attorney XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: I paid a service provider {$2200.00} through Paypal. The " seller '' aka contractor, declined the money on XXXX XXXX ( same day it was sent ) because it was a 21 day hold to receive funds. So once the Seller declined, and funds never touched their bank, it was expected they would be returned to me. However this was not the case. It took until XXXX XXXX to receive funds after 3 phone calls and long conversations. Paypal refused to release my funds saying they were doing this to protect me. There was nothing requiring protection, however. I simply had money debited and Paypal simply held onto it. After getting a supervisor on the phone they released back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/2017 I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was Capital One. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of XXXX XXXX XXXX. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado XXXX and XXXX XXXX report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My bank XXXX, via web pay bill, paid my mortgage to Wells Fargo on XXXX XXXX 2015. For over a year Wells Fargo had received payments via this method and applied the funds to my mortgage. This time Wells Fargo did not apply the funds to my mortgage but instead somehow misplaced and lost the payment. It took nearly 5 weeks for Wells Fargo to locate and return the money. Meanwhile I had to pay my mortgage again as to not be late on my payments. Wells Fargo refused to pay any interest on the money they held and did not compensate me for the over drafts on my account due to having to pay my mortgage XXXX in one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We paid off the debt, which happened to be an oversight on our part regarding a hospital bill which we thought had already been paid, and PMS ( http : //pmscollects.com/index.html ) has been fully compensated for the amount ( ~ {$500.00} ).
Since this has been paid, we expected them to discharge this from active status on my credit report. I spoke to a manager ( male who would not provide his name ) on XXXX XXXX, 2017 and he promised to resolve the matter with the credit reporting bureaus as well as send a letter to us confirming that it was resolved.
However, we never received a letter and the account still shows as active on my credit report. In addition, this was resolved more than a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Other

Complaint: I want this fraudulent, unauthorized information removed from the credit reporting agencies. I am a XXXX XXXX XXXX XXXX woman trying to repair my credit after my 20 year marriage ended. PayPal has been making unauthorized, fraudulent hard pulls that have caused my credit scores to drop. I am trying fervently to get PayPal to remove ( XXXX ) XXXX XXXX XXXX dates XXXX XXXX, XXXX and XXXX XXXX, XXXX from my credit report. I have followed their instructions to make a written complaint two times, and have made several calls with no resolve. Each time PayPal has sent me a response stating that they are not able to make any removals, they will have to be done by the credit reporting bureaus. When I contacted the bureaus they said only the companies in question can remove them. I contacted PayPal again and they now say that their back office can not remove anything because they have 'no proof ' that I never applied for credit!! That is like their word against mine. They have me going in circles. The only credit pull that was authorized was in XXXX of this year for a secured XXXX XXXX credit card in an attempt to repair my credit. I am including all correspondences that I have made with these entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with Grant Mercantile Agency (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon checking my credit i noticed a collection account on my file from Grant mercantile agency claiming i owed for a medical debt from XXXX California XXXX XXXX. 
I have always had medical insurance so i do n't know how this could have been forwarded to them for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (CA).
Issue: Trouble during payment process

Complaint: 1. Provident Funding purchased my Mortgage Service Account from XXXX XXXX and assigned Provident Funding Number XXXX to my account, XXXX for short. 
2. XXXX XXXX XXXX XXXX coordinated an electronic payment interface with Provident Funding Accounts Receivable Personnel. 
3. Electronic Payments Due XX/XX/XXXX and Due XX/XX/XXXX were successfully conveyed from XXXX XXXX XXXX XXXX to Provident Funding. 
4. Electronic Payment Due XX/XX/XXXX, was delivered on XX/XX/XXXX in the previously normal amount of {$970.00} Subsequently, a second electronic payment in the amount of {$72.00} was delivered on XX/XX/XXXX for a Total XXXX Payment of {$1000.00} executed on time. Processing both experienced no obvious anomalies. 
5. Electronic payment XXXX XX/XX/XXXX was delivered successfully on XX/XX/XXXX suggesting no electronic systems problems may have occurred. 
6. I have no further external information to contribute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home with a mortgage loan through XXXX XXXX Loans in XXXX of XXXX. My loan was assumed by Franklin American Mortgage shortly thereafter. On XXXX XXXX, XXXX, I was notified by mail of an escrow shortage of which included a {$3400.00} in late fees which were labeled as " taxes '' on the statement. Further investigation on my part determined this late fee was assessed by the XXXX XXXX ( XXXX, TX ) Appraisal District because they had not been notified by FAMC of the loan servicing transfer. I understand that I am responsible for taxes but not a late fee caused by FAMC 's failure to notify the tax office. 

After months of calls and discussions with FAMC, I 'm unable to reach a resolution, even after the XXXX XXXX XXXX XXXX explained what happened to FAMC. I ca n't believe that I 'm the only customer this has happened to. Please help! It 's sad that customers have to spend this much time resolving an issue. Why has n't the lender been proactive?

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (MD).
Issue: Trouble during payment process

Complaint: I am requesting you open an investigation on Ditech Financial LLC that used to be GREEN TREE LLC for the following reasons. I have sent numerous Fax letters requesting documentation of who the actual note holder of my mortgage. They have failed to provide me with the information .I have enclosed one of the fax letters I sent to Ditech Financial LLC in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Private student loan) with DISCOVER BANK (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Debt collection (Medical) with Ray Klein, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/26/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Other

Complaint: We have a credit card with Synchrony Bank ( a GAP credit card ) that we pay automatically, through their system, directly debited from our bank account on the due date. This past month, Synchrony received payment on XX/XX/XXXX at which time the funds were deducted from our account. But, even though Synchrony had our funds in their possession on XX/XX/XXXX, they 'put a hold ' on our payment as a 'random fraud protection ' measure, giving us no credit for the payment they received, effectively reducing our available credit to XXXX. This resulted in charges we made after XX/XX/XXXX being declined - and of course we were never notified of the declined charges or of Synchrony 's actions. Now, the seven days of their 'random hold ' are up, and we still are showing no credit availability, even though they have had our funds for seven days. We have never experienced anything like this from other credit cards in our 30 years of credit card experience. Is there something that can be done?

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 04-09-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Caller calls every single day XXXX to XXXX times a day.

Company response to consumer: Closed with explanation