milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Credit card protection / Debt protection

Complaint: I was shifted from our debit card/bank account for PayPal purchases to PayPal credit without my knowledge. We were since charged late fees on a {$45.00} purchase ( which should have come directly out of our debit account ) for a total of {$110.00}. We are seeking to have all charges except the purchase price refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am an American Express cardholder in good standing since the XX/XX/XXXX. I disputed with XXXX a charge incurred in XX/XX/XXXX on my XXXX XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I felt that I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. Basically, the hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

I provided all of the above information in great detail both in writing and orally to American Express. But XXXX closed out the dispute after simply contacting the hotel, which, of course, told XXXX that the charge was proper. No one from XXXX spoke with me, and XXXX clearly gave no consideration whatsoever to my to the clear and legitimate concerns. It is apparent to me that XXXX does not have a honest or real dispute resolution process that takes into account the concerns of the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Other

Complaint: TD Bank Charged me the payments three times in XXXX, 2016. I had called them several times to let them know their mistake and the consumer service of TD bank told me they would send me a check with the refund. So far, after 4 month I have not received any available check from them. I believe TD Bank never send out the check. They are liar.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fees

Complaint: My sister bought an American Express gift card, which is considered a prepaid card in XXXX 2015 for my birthday. Unbeknownst to her and myself since we did not read the fine print, there are {$5.00} of fees each month on this card. Basically American Express took the % XXXX back in monthly fees of {$5.00} per month up until XXXX XXXX today. When I used the card today, it had {$8.00} left on it. I thought it was illegal to charge fees on a gift card due to the Consumer Protection Act. I consider this to be an egregious act of greed and a predatory business practice. Neither my sister or I were aware of these card fees This card is presented as a gift card but does not act like one. I asked American Express what the fee was for and they said it was a maintenance fee. I asked them what they were maintaining since I had n't use it for 6 months? She could not answer me. Please let me know if you can stop this predatory practice. This was very upsetting to me because I have never had a gift card given to me eaten up by bogus monthly fees!! It is really mind boggling!! Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: In  XXXX   of 2016 I was need of some emergency cash. I responded to loan offer that I received via email. The process was prompt but I was not aware of the enormous interest rate. I borrowed {$550.00} and this far have money has been withdrawn every two weeks to the tune of almost {$2800.00}. I feel so stupid for being so desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XXXX/XXXX/XXXX, I opted to enroll in the TrustedID Premier identity protection service offered by Equifax in response to the Equifax data breach announced in XXXX XXXX. As of today, XXXX/XXXX/XXXX, the service is not accessible, as the TrustedID Web site is not functional. That is, when I click on the link in the TrustedID Premier product activation email received from Equifax, it returns an error message stating the site can not be reached. The same thing happens when I try to access the TrustedID Web site directly via an Internet browser. ( This is not a browser problem, as the browser accesses any other Web site I attempt to access. ) Equifax has not addressed the complaints on this issue that Ive sent them directly by email. Further, there is no message or status update to consumers regarding the issue on the company Web site. To sum up, Equifax is failing to provide a service as advertised : A service essential to helping consumers protect themselves against the potential fallout of the companys failure to protect consumers sensitive personal information in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went on transunion XX/XX/XXXX and got message to try back due to technical error in 24 hrs. I needed to submit disputes. Then the XXXX company I tried XXXX only gave me the option to gather all my ID, etc. and mail it. sorry, but I do n't have time thats why I went online. I like most people work 10 hrs a day, and I do n't have time or access to a copier, and I would not be allowed to use it at my strict job, which I just got. 
Okay, so today is XX/XX/XXXX and I went back to transunion site way after 24 hrs and am getting the same message. please fix this problem. I need to submit disputes. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: Dear Sirs,

I am writting to you to ask about the help.



I would like to report online scammer XXXX XXXX.(passport he send to me attached) He said that he is US citizen and he lives in XXXX in Minnesota.

I met him on XXXX site and after we spoke on XXXX and XXXX.

He trik me into a romantic relationship in order to force me to send him money. I attached print screen from our XXXX  conversation.

Below you can find some information that he gave it to me.and Photograph

XXXX XXXX" XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Washington




I know that he is using other people data and personal details to pick up the money and other frauds.


He claim that he is :
XXXX XXXX 
XXXX

but the photos that he is sending to the woman most probably belong to somebody else ..

Additional i have found another robbed by him person.

Details below.

she lives in XXXX and XXXX.
Her Name is XXXX XXXX
+XXXX 
XXXX XXXX was sending money to XXXX few time and one of the person who picked up the money was XXXX XXXX.   Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
This woman is from XXXX from the XXXX XXXX side (probably she is working in XXXX there..


> XXXX XXXX

> XXXX

> XXXX

> XXXX XXXX

> XXXX 


In one of conversation XXXX XXXX  claimed that the man below is his lwayer XXXX XXXX XXXX.(attached some info)

His name is: XXXX XXXX XXXX XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Choice Recovery was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Choice Recovery placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and XXXX XXXX ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly validating the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problems when you are unable to pay

Complaint: A few weeks ago, I contacted Capital One for a 60 day extension due to me having XXXX and being off for 3 1/2 months. I do not want to fall behind and have payments not paid to count against me as it will be very hard to catch up due to having other bills as well. I was told that there was nothing that can be done because the account is too new when I called XX/XX/XXXX and that I had to have the account for at least six months. I have worked for auto financing company before and there are exceptions that can made, so this is unacceptable. I have XXXX other vehicles that I purchased the same day as this car and that company that is financing those XXXX cars did the extension since I am a XXXX and do not get paid when I am off. I am a valuable customer as I have credit cards and have had another vehicle, which I traded in for this vehicle, through Capital One. I do n't think that this is how you treat valuable customers. 
I recently had to call Capital One XXXX 's with customer service stating that someone will call me. Finally, the third time I called after not receiving a call back and was told that I was still not able to get an extension. This is a SCRA account ; why ca n't I get a 2 month extension after Capital One has been getting paid on time even after my XXXX and being denied the extension XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hi, I am complaining abou t the Paypal Credit Co. For almost 5 months now, they have been charging me late fees of {$35.00} repeatedly when  I already enrolled in a debt management program.     They have been delaying the acceptance of this program yet receiving the money that they send.     First, they said I need to send a letter to let them/allow them to call me or contact me because I refused their call back in  XXXX    XXXX  , when they repeatedly called my office. But then I sent a letter to allow them to contact me on my cellphone.     Second, they ask me to send a letter with my signature on it, that I am enrolled/ allowing the  XXXX   XXXX  to send my payments. Last  XXXX , I sent them that letter and now it 's  XXXX , they again asked me to send this authorization. I contacted them again regarding this & will send again this authorization & I also advised them that I will file a complain regarding their company with the Consumer Financial Protection Bureau.     Still, the {$35.00} late fees keeps incurring in my account thus minimizing my monthly payments.     They are inefficient in processing this papers & thus keeping me under debt.   Please help me make this company responsible for their actions.     Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection Bureau of America is charging me for an account that was already resolved. I have no idea what this bill is that they are sending me for {$420.00}. This is inaccurate and needs to be resolved.

Company response to consumer: Closed
Consumer complaint received 08/25/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victom of identity theft. There have been numerous erroneous marks against my credit report for some time now. I sent formal dispute letters to Equifax on XX/XX/XXXX. I attached a police report, FTC affidavit and my ID 's. I disputed this item as NOT MINE. Legally they have 45 days to investigate with the lender and provide me notorized proof that the instrument is mine. It has been over 60 days and no proof has been provided. I have followed up making phone calls and each time being hung up on or asked a myriad of personal " security '' questions and told I am not answering them correctly when I know that I am.I called back again and they made me answer 9 security questions unbelievable, finally I got through to someone who said they filed my dispute on XX/XX/XXXX and that I should call back to a certain number XX/XX/XXXX and that it would not be on my credit report if they found no proof it was mine. I called back, the number didnt work! I found a different Equifax number. got a supervisor on the line. Told her all of this, she said it was still on there and under investigation, it would be 30 more days and to call back. That would put me at a 90 day dispute period ... I filed an online identity theft FTC report about this acct on XX/XX/XXXX, also an online dispute again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 12/30/2016 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: I 'm unaware of this payday loan, I 've disputed this account and no action has been taken. I 've also requested original documentation with my signature on it validating this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with MIDWEST EQUITY MORTGAGE, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The lender is responsible for creating an escrow account for home insurance and taxes payment. The lender created a fake invoice for home insurance and sent the fake invoice to the closing company. This caused me to almost miss my premium payment for home insurance. The lender also misrepresented the city tax, and caused me to pay nearly double in property tax as mandated by the city.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (FL).
Issue: Trouble during payment process

Complaint: We refinanced 6 months ago with PNC. They added an extra {$1500.00} to our mortgage amount for escrow. We are now being billed {$1000.00} for an escrow shortage 6 months later!! This doesn't seam possible, unless they made a big error at the time of closing! The year before we refinanced, there was another Escrow shortage with PNC. Something seems very wrong here! Their mistakes, have cost us a LOT Of money! We refinanced to better afford our house. We bundled the fees and escrow into our new loan amount! With the shortage, our new monthly mortgage is not too far from where we were before we refinanced! How can banks keep making mistakes like this, and get away with it? 

We have NOT received any tax or home hazard insurance letters to indicate any increase!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Ever since I graduated and went into repayment they have been extremely difficult to work with about paying my loans. I owe an outrageous amount of money and therefore they want me to pay an outrageous amount each month. I ca n't afford the payments they want me to pay. I 've applied for XXXX every year and request to lower my monthly payment but they are extremely difficult to work with and do n't seem to really care about my financial situation. I literally have to go without groceries just to pay this bill because I do n't want to default on my loan and have that reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  XXXX   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  (  XXXX  )  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 12/23/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: After 24 years with USAA Federal Savings Bank ( I know it 's 24 years because they end every call with 'thank you for your valued membership for 24 years XXXX ' ), they closed our bank accounts, and have refused to give any reason. They also are holding all our funds for 30-days. I 've tried talking to as high up in management as possible, but continue to get the same answer, " that it was a legal decision within their rights from the review board and the review board does n't take calls or have to answer why. '' Luckily for us, we had another bank account, otherwise we 'd have no money right now. So warning to others, make sure you have at least accounts and money with at least XXXX different banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient-Private Credit ; XXXX. XXXX XXXX ; XXXX, PA XXXX. Loan XXXX. This is probably the XXXX time reporting this Co. They are constantly calling at least XXXX times a day even though the primary borrower has contacted them to make some paying arrangements but they completely ignore the primary borrower and call the co-signer. Today XXXX XXXX, 2015 I received at least XXXX calls and told them I had contacted the primary borrower and they kept calling until XXXX.

Company response to consumer: Closed with explanation