milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Making/receiving payments, sending money

Complaint: PayPal is holding onto funds for a transaction that was fulfilled more than 2 weeks ago. 

On XXXX XXXX I sold a laptop on eBay and shipped it using XXXX the next day for a 24 hour delivery. By Wednesday the buyer had the laptop and at that time PayPal should have released the funds. 

Instead they claim that they did not receive a valid tracking number, which is patently false and which I attempted to help fix by re-sending them the tracking details XXXX3 times. The package was sent via XXXX : XXXX with XXXX number XXXX. It was provided to PayPal on the date of shipping. 

When I did not receive the funds after 7 days, I attempted to escalate the case directly with PayPal and again sent them the tracking details which they claimed were not valid ( several times ). I tried again escalating the case but I only ever received automated messages telling me the tracking details were invalid or other irrelevant or erroneous facts such as claiming my account was too new. My account with PayPal & eBay has been in constant use with only positive feedback for more than a decade. 

It is my belief they are holding onto funds, in this case {$600.00}, for longer periods in order to generate interest while they hold it for more than 21 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This occurred from XX/XX/XXXX-XX/XX/XXXX The company is XXXX XXXX XXXX XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. XXXX has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( XXXX ), and even had a credit helping agency work on our behalf, but XXXX will not remove it, and it is false and erroneous.

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 11/20/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Bankruptcy final XX/XX/XXXX, at that point, was not including the home. We never did reaffirm the debt with CitiMortgage. After MANY months of trying to work out a payment arrangement with CitiMortgage, filling out the same paperwork multiple times, sending and having to resend requested paperwork to them multiple times and getting nowhere we decided to give up and let the foreclosure take place. Sheriffs auction was XXXX XXXX and Confirmation of sale was XXXX XXXX. Beginning XXXX XXXX we started receiving Statements from Citi, when I called CitiMortgage they informed me that we still had a mortgage on file with them. So I called their attorney XXXX and inquired with them, and they told me they show it as final that we no longer have a mortgage with Citi, I had to take it up with Citi. In the meantime I received paperwork from Foremost Insurance telling me I need to take out Hazard Insurance on this home, which may I add I no longer own according to CitiMortgage attorney XXXX, and if I do not do so they will get Insurance for me. So I contacted my attorney. When I spoke with him, he informed me that technically the home was discharged in the Bankruptcy because we never reaffirmed the loan. Today, XXXX/XXXX/XXXX, I received a XXXX Form from CitiMortgage for XXXX taxes. Im not sure what our next steps need to be as I am waiting to hear from our attorney used for bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Bank of America has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Bank of America reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Bank of America customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Bank of America 's " monthly maintenance fee. '' I think it is wrong that Bank of America obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.

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 09-06-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: i am filing this complaint based on current harrassment by citimortgage, since i refinanced my loan last year. they continously call me numerous times each month if i have n't paid my mortgage on the first day, although my payment is n't late and has n't went pass the late date, i have inquired as to why they are calling me and my payment is n't late nor have i been late and have asked them to cease, but to no avail. i strongly believe that i am being harrassed based on utilizing your services last year to help me resolve the unnecessary actions they were implementing on me with my refinance. i am also questioning why they have yet to send a copy of the deed of trust upon completion of the refi.your assistance in this matter would be greatly appreciated.

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 04-11-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/17 i called my mortgage company, because i needed to know whom is my home Insurance coverage is with..On XXXX separate occassion i was given Policy # XXXX and the Insurance company is XXXX ... When i called with that policy #, the information they had on file, WAS INCCORRECT.The name ( s ) they had wasnt mine or my wife '' s and the Home Address was also incorrect.I would like to find out if My finances was paying for these other people coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: On my birthday i received money to buy a playstation. When looking for a seller i came across a guy who was selling one for XXXX . I sent him money and i waited a week for shipping and then he told me that the money transaction was messed up but it was n't i was confused for a while. Then one day he told me that i was dumb and he already spent my money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX  are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. 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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: XXXX   XXXX    2017  faxed letter to Equifax requesting removal of bankruptcy and tax lien on credit file as  I  was not aware of the source of their information on the bankruptcy and judgement. I received a response dated   XXXX   XXXX ,2017  that  XXXX   XXXX  reported the information as discharged and that  Case  number  /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the Equifax  credit  file in which I do not have knowledge of what that case is.   On   XXXX   XXXX  2017    I sent a reinvestigation request with a letter from Michiga n Federal Court stating they do not supply information or validate information with the  credit bureau 's. Equifax replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with The Bureaus, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After receiving a call for the first time, was told they called me XXXX times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: computer base system pre approve me for a credit limit then decline my application

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a phone message from Synchrony Bank concerning a debt on a Sam 's Credit Card. I called Sam 's member services and was transferred to a representative from Synchrony Bank. I explained to this person that I have never had a Sam 's Credit Card and that the debt was not mine. I answered a few Security questions and she asked if I had a relative with the same name. I indicated I had a XXXX year old son with the same name. She told me to tell him to call them. This was on or about XXXX XXXX, 2015. Thus far the phone calls have been incessant. I have received XXXX phone calls from this Company starting XXXX XXXX thru today XXXX XXXX. I have the exact times and dates of these calls if necessary. I want these calls to stop immediately and Synchrony Bank and/or Sam 's Club punished for this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have had an escrow for years with Fifth Third Bank to have my taxes and insurance paid. For some unknown reason Fifth Third did not pay my homeowners insurance and it is about to be canceled by my insurance company. I have been trying to get this resolved for 2 weeks and no one at Fifth Third is willing to help me get this fixed. This has been very frustrating and they have horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My XXXX Account was open on XXXX/XXXX/XXXX and was closed on XXXX/XXXX/XXXX. Somehow 8 months later I have a collection account amounting {$950.00} according to my XXXX report it was opened XXXX/XXXX/XXXX to verify the validity of this account I 'm asking the company produces a subscriber agreement ( 2-year contract ) bearing my signature and the last three billing statements. I 've requested these documents on more than 10 occasions then the company began hangging up on me every time I called the line was disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please show proof of the correct balance on this card. I do not have a balance on this card. Please correct the balance and update all credit bureaus of this change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Money transfers (International money transfer) with XOOM CORPORATION (IA).
Issue: Other transaction issues

Complaint: Someone apparently got into our computer and was able to find out the passwords to our checking account and use the information to try to transfer money to someone else in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Under the Consumer Financial Protection Bu reau ( CFPB ) new rules , dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.    Fair Review P rocess : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors those with decision-making power over the loan to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer In our case not matter have many times we have submitted the complete application and all requested documents to the Re- Entry, we are being den ied, by Wells Fargo Mortgage claiming  due to the property negative Net Present Value ( NPV ) evaluation and that we did not provide all the required documents.. When we request a full appraisal and which documents are missing in writing, we are b eing told by Wells Fargo Mortgage employees, We are not in Loan Modification Review  therefore we dont qualify for an appraisal to determine the correct NPV. This is a process the bank has implemented to make sure they can navigate around Dual Tracking Laws to deny a home owner from ever being consider for  a Loan Modifica tion and to unlawfully foreclose on home owners.   More disturbing, the re-entry never respond to us in writing nor even return numerous telephone calls to them.   No Foreclosure Sale Until All Other Alternatives Considered : Meanwhile Servicers must consider and respond to a borrowers application for a loan modification if it arrives at least 37 days before a scheduled foreclosure sale. If the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement.

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 01/15/2017 about Mortgage (Home equity loan or line of credit) with Dyck-O'Neal, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (ID).
Issue: Fraud or scam

Complaint: We were victims of a fraudulent/scam. We received a phone call from what we thought was a family member. They advised us they needed money because he was being held at a XXXX, XXXX airport. We sent the money, but it should have been a clue to us when, it was sent to another person 's name which we did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: I made a wire transfer of XXXX {$2500.00} to my husband in XXXX XXXX more than 3 weeks ago, with Citibank. When I made the transfer, the receipt said the money would be available within 7 days. As of today, there is still no transfer. Citibank has blamed the receiving bank ( XXXX ) and also blamed the Treasury Department XXXX. I 've made contact with XXXX and neither are involved or are holding any funds. Citibank continues to make excuses on a DAILY basis and are offering no real help at all. Essentially, they have stolen my {$2500.00} and do n't care.

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 03-03-2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MN).
Issue: Application, originator, mortgage broker

Complaint: I contacted Mortgage Masters, and started working with XXXX XXXX around the beginning of XX/XX/XXXX, I have text messages and emails confirming that i sent her my pay stubs, XXXX forms XX/XX/XXXX and XX/XX/XXXX, hud forms from purchase of my house, I sent her all the forms she needed, and had employment and credit score checked by XX/XX/XXXX - on XX/XX/XXXX I signed the disclosures and was told everything was approved, the appraiser came on XX/XX/XXXX and completed the paint scraping ( needed to sign off on appraisal ) on XX/XX/XXXX and closing set for XX/XX/XXXX, the closing was then changed to XX/XX/XXXX, as XXXX XXXX lost my XXXX, pay stubs, and mortgage/bank statements, I faxed these items again, and the closing was then set for! XX/XX/XXXX, I found out that XXXX XXXX XXXX no longer with Mortgage Masters and XXXX XXXX would take over, again they were claiming they need XXXX and other financal documents again - I told them I had faxed all the info repetedly and was not going to fax again, I then shared my concerns for identity theft with all these documents being lost with XXXX and her boss XXXX XXXX , they told me not to worry, that there computers are safe, and they have no worries that XXXX XXXX held on to my personal information. 
so again I was scheduled to close XX/XX/XXXX XXXX XXXX told me all they needed to close was the appraiser signing off that paint had been scraped and cleaned up, the appraiser came out and signed off on the appraisal XX/XX/XXXX. 
every time I speak to the mortgage company they keep saying they are still waiting on employment verification or need pay stubs before they can close. 
so I have been trying to refinance my home for 4 months and I keep getting the run around with lost info, and employment verifications, as I have been on XXXX for a XXXX, the mortgage company keeps bringing up things about my XXXX and making the hold up seem like its related to my XXXX leave, and I dont see what my XXXX has any thing to do with my refinance, if the mortgage company was professional and wasnt loosing my info repeatedly, my mortgage refinance would have been closed and completed, before any of my XXXX started - but the company keeps stringing me along and now its been 4 months that I have been working on refinancing my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation