milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Wrong amount charged or received

Complaint: PayPal Credit problems : My dispute lies in a purchase made on Ebay on XXXX XXXX, XXXX for {$43.00}. 
This was paid on XXXX XXXX, using my XXXX XXXX card, and I have this confirmed from both Ebay ( ref number XXXX ) and my XXXX XXXX statement. 
However PayPal Credit claims that on XXXX XXXX, they paid a bill for {$42.00} and then did not send any form of statement until XXXX XXXX at which point multiple billing cycles had passed and interest and late charges were applied. 
I checked with the vendor and he never received two payments, ONLY my credit card payment. 
Since I had no idea there was any involvement with PayPal credit until XX/XX/XXXX, I began at that point trying to call and clear the matter up. Finally on XXXX XXXX, XXXX ; I paid {$46.00}, NOT because it was a legitimate charge, but simply to end the matter. Their representative told me my account was now cleared and closed. At no time ( during over 3 hours on the phone with PayPal Credit ) did they assign me a dispute number or make any attempt to clarify ther billing error. However, after my last call I was assured that my payment of {$46.00} ( which was paid only to put a halt to the continuing bills and failure to respond by PayPal Credit ) would cover all costs and no further statements or charges would be assessed. 
Now I have received another statement claiming I still owe {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the debt. It was already removed from my XXXX but has not been removed from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Merchants Credit Assoc. Inc SC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: About one month ago Capital One Investing announced that all its customers ' brokerage accounts would be automatically moved to XXXX   " later this year '' without any other options offered to customers. My wife and I both had Roth IRAs with Capital One Investing and did not want our accounts moved to XXXX. We elected instead to transfer our accounts to a different Bank/Brokerage Firm more to our liking. My wife and I were both charged standard {$75.00} " Transfer Out '' Fees ( {$150.00} total ) by Capital One Investing, which was very unfair since the only reason we elected to transfer our accounts was that we didn't want them automatically moved to XXXX. Capital One Investing said the fee is a standard fee and would not issue a refund, however, it's not standard or fair to tell your customers that all accounts will be moved to XXXX   and then provide no other options for customers who are not pleased with the transition. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXXI settled a collection account with Diversified Consultants Inc, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by Diversified was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled onXX/XX/XXXX, Diversified had not yet been reporting the collection account on my credit report ( see attached 3-in1 credit report showing collections only, datedXX/XX/XXXX ). However, in XXXX, over a month after I paid the Diversified collection account, the collection agent [ Diversified ] reported a new collection account to the credit bureaus with a retro open date of XXXX. 
InXX/XX/XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX ] collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted Diversified again on XX/XX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the Diversified collection agent onXX/XX/XXXX via credit card. Additionally at the time of payment I inquired with the Diversified collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the 3 credit bureaus, and inXX/XX/XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the Diversified collection was settled prior to the account being reported, I filed dispute with the three major credit bureaus, XXXX XXXX, XXXX and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit card () with CITIBANK, N.A. (OK).
Issue: APR or interest rate

Complaint: I purchased merchandise on XXXX different occasions at Best Buy at zero percent interest. These have XXXX different expiring dates. I have made monthly payments that were sufficient to pay these off before the expiration dates but the payment was only applied to XXXX of the balances and now that XXXX of the zero interest periods has expired there is still a balance and they have charged interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since becoming the victim of identity theft ( XX/XX/2016 ), I have had numerous fraudulent accounts opened in my name. I then dispute them with the credit reporting agencies. XXXX and XXXX have been pretty good about deleting the fraudulent accounts and/or collections but Experian will not help me, even after repeated ( and extremely long ) phone calls.

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 non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax lists my name as  XXXX   XXXX , but it should be  XXXX   XXXX . The second "  XXXX  '' should be an "  XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX   XXXX  - Navient statement reflects I am close to paying off my loan.    XXXX  - ca ll Navient about my  final payment because I owe less than my monthly payment of {$450.00}, told I would receive refund.    XXXX  - received refund check from Navient for {$64.00}  XXXX  - received of of letter of congratulations dated  XX/XX/XXXX  on paying off my loan.    XXXX  - received a letter dated  XX/XX/XXXX  stating that an incorrect payment was credited to my account and removed and my payment was past due. The principle due was not included on the statement. The statement also said the next payment was due  XX/XX/XXXX .    XXXX  -   XXXX   payments began to be deducted again. My interest payment went up because they did not make a deduction in  XXXX . Have yet to call about that!       Numerous calls were made to Navient. I had shredded my paper statements thinking I had paid off the loan when come to find out I actually still owed about {$13000.00}. I asked for a hard copy of all payments. I was not happy that the information did not show the declining principle.It also did not show the mistaken credit to my account but when I looked at my account on line it shows a transaction on  XX/XX/XXXX  with  XXXX  payment. All other transactions occurred on the second day of the month.       During one call my husband made to Navient regarding crediting our account by mistake he was asked if he knew a  XXXX   XXXX .  XXXX   XXXX  is my older brother who lives in Massachusetts! I made a call to my brother asking if he had recently had any problems with Navient. It turns out he and his wife made a payment to Navient in  XXXX  of  XXXX  to pay off their loan.They were harassed by Navient from  XXXX   XXXX  to  XXXX   XXXX  for non payment even though they had the cancelled check Navient had cashed!! It turns out that Navient my brothers payment to my account! How this could occur I do n't know.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Sallie Mae makes it difficult to apply my extra payments against the highest interest loan. I have complied with their rule to send instructions with each payment. I send a separate piece of paper with instructions on how I want my payment applied but now they are not following my instructions. Their toll free customer service line puts you into a recording that does not give you the option to speak about billing problems. I only got an alternate contact number by choosing the option to apply for a new loan. The new contact number is only open from XXXX - XXXX. I feel that Sallie Mae is playing games so that people will give up on having extra payments applied to the higher interest loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NE).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: We received an email on the morning of XXXX XXXX, 2017, stating a {$300.00} check was cashed from our account at US Bank. We then received an email stating we were overdraft in our account by almost {$100.00}. We saw the copy of the check, and it was not our names on the check, nor was it even our checking account. We called US Bank and they stated they would start an investigation and it would likely take 2-3 business days. That was unacceptable, as we had bills coming out that day. US Bank stated they could not help us further. We contacted the recipient of the check, a small business, and told him the issue. He said he would check with both his client and US Bank. In the meantime, we went to the main US Bank branch in XXXX. We were able to speak to a banker and they verified the peoples ' names on the check were US Bank customers, and money had come out of the wrong account. He blamed the problem on a " computer error '' of reading the wrong account numbers. He credited us {$300.00} while awaiting the return of our funds from the other bank member, but we still have fees that need to be waived. Had we not received an email, we would not known about the problem until much later and our bills would have bounced.

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 02/27/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I pay for 2 loans through Great Lakes. One is a PLUS and the other a student loan under my son 's name. Recently I read a federal finding darting to XX/XX/2014 in which it explained then the practice of mis-recording payments to make it appear that the account was late. If that was not recognized by the person paying the account the loan could fall into default. 
This has happened to me throughout my payment process with Great Lakes. They have given me loan numbers to write on checks changing them a number of times. 
Last month I filed a complaint with Great Lakes but I feel it is of the utmost importance for you t have this knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I told Equifax that XXXX XXXX XXXX XXXX XXXX TN XXXX does n't belong to me. After a long battle going back and forth they finally removed it on XXXX/XXXX/2016. I just repulled my credit report and they have it back on there. I told them it is not my address, I want it removed from my credit report. I am attaching the letter they sent me removing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: Paypal has refused to refund a fraudulent transaction not undertaken by me the account holder. Both Paypal and my attempts to contact the receiver have been met with no response and Paypal insists that there has been no fraudulent activity on my account and has closed my case. I am now out {$XXXX} which I am unable to get back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Discover Ban k Personal Loan w as paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the Discover Bank more than  two  months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from Discover Bank showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: We received a letter out of the blue stating that Bank of America was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Bank of America. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. Thank you.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX and Experian have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there information.

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 07/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I recieved a notice from Bank of America that one of my accounts was to be closed. Upon receiving the notice, I call the bank and was informed that they can not tell me any other information regarding the closure and it was done at their will.

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 05/28/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CT).
Issue: Managing the loan or lease

Complaint: Westlake Financial Services repossessed my vehicle after being late despite the fact that I set up a payment plan with them. After I paid their requested amount to redeem my vehicle they slapped me with repossession fees twice that doubled the remaining loan amount I had left to pay. They refused to give me a breakdown of what those fees entailed and if I had been charged twice for XXXX repo. They were so mean to me saying " you got yourself into this so just pay what we bill you ''. Despite the fact that they treated me like a criminal or savage for falling on hard times, I still manage to pay off the entire loan including those fees. For the longest, they kept reporting the loan as open and delinquent. It took months of calling to get them to finally report the loan as paid off. Now two years later my nightmare with this company has returned as they 've reported " no data '' for more than a year then reported it as a collection as of XX/XX/XXXX with no further data. This company is the WORST to deal with as they are disrespectful, inconsistent, and dishonest. I fought for an entire year just to get them to issue me a statement that the account was fully paid in 2014. When I called a few weeks ago to dispute the innaccurate information they reported to XXXX the man said " we 're actually doing you a favor since its better than what we were previously reporting. I have written proof from this company that the loan was paid in full XX/XX/XXXX. Because of their inaccurate reporting I am unable to attain credit. I have been disputing this with the company as well as the credit bureaus time and time again and no one is helping me. Since they can not report truthfully they should remove the trade line entirely.

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. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: With the Equifax hack, I wanted to validate whether or not my identity was included, however Equifax 's own tool to let you know if you were potentially impacted by the hack has been reported to be untrustworthy. So although it reported that I was included in the hack, I have no way to tell if that is true, and it tried to encourage me to pay for its XXXX XXXX process which it charges money for. So now I am uncertain if I am at risk of being the victim of identity fraud, and being coerced into paying money to the people that leaked my private information.

Company response to consumer: Closed with explanation