milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (KS).
Issue: Fraud or scam

Complaint: Dear Sirs, On XXXX XXXX 2017, I sold a XXXX to XXXX XXXX. XXXX XXXX paid via her business account XXXX XXXX XXXX XXXX XXXX, XXXX. <P/>XXXX XXXX then sent me several harassing e-mails advising she was having problems with the phone and was refunded {$75.00} on XXXX XXXX, 2017. <P/><P/>She sent the following e-mail : From : XXXX To : XXXX Sent : XX/XX/XXXX17 XXXX XXXX, I will return the phone back to you in it 's original packing on tomorrow. <P/>Thank you for the FULL refund. <P/>In the future, you should advertise the phone with pictures of the screen on. You never showed photos of the XXXX screen turned on which made me realized that you probably was not the original owner,, I will send you the tracking information asap! <P/>I waited and contacted XXXX on XXXX XXXX 2017, and they advised XXXX XXXX has stated she is keeping the refund and the phone and that I needed to contact Paypal as this is fraud. <P/>I then filed a criminal fraud report with the XXXX Police Department Case # XXXX, they can be reached at XXXX Police Records. <P/>At this point, I have been contact with Paypal on 5 separate occasions, and they have refused to issue any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I contacted Experian online but could only obtain my consumer credit score. There was no way to order a printed credit report from them without paying for it, either on-line or by talking to a service representative. I am trying to obtain my FREE yearly credit report, the whole thing, not just the score.

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have multiple inquiries that I 've called Transunion and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX collection agency that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.

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 07/13/2015 about Mortgage (Conventional fixed mortgage) with AMERICAN PACIFIC MORTGAGE (OR).
Issue: Credit decision / Underwriting

Complaint: I was pre-approved for a conventional home loan XX/XX/XXXX by All Pacific Mortgage. I provided bank statements, pay stubs, and showed adequate funds for the down payment and closing costs. At that time I was XXXX. I did not find a house to purchase before XXXX. I then found a house XX/XX/XXXX. My pre approval letter expired while I was XXXX. My realtor spoke to the lender who sent me a new pre approval letter since my employment, income and savings had not changed since I got the last letter. The seller accepted my offer but on Thursday XXXX XXXX 2015 I received a phone call from the mortgage broker. He stated that the underwriter and banks will not lend to because I am on unpaid XXXX and I will not be getting paid for XX/XX/XXXX and XX/XX/XXXX. Then the broker stated that they would consider lending to me if I returned to work and ended my maternity leave early. He also spoke to my realtor and stated the same facts. I never received an email or any other form of written communication from the mortgage broker about not being eligible for the mortgage loan due to my XXXX status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: I applied for a 15-year fixed rate refinance on my home with Bank of America on XX/XX/17 with a cash out amount to cover bathroom remodeling. I paid BOA over {$500.00} for a home appraisal. At that time my master bathroom was gutted to the studs. Prior to allowing the appraiser ( hired by BOA ) access to my home, I asked her if the unfinished bathroom would be an issue with the loan. She stated no- only if it was an addition to the home, not an interior renovation. One half hour before closing time on Tuesday morning a few weeks later, I got a call from the closer stating there were no closing documents and that closing would not take place. I then called BOA who stated there was a glitch and since my renovations exceeded more than .05 % of the appraised value of the home ( XXXX ) - that the closing could not occur until the bathroom was at least partially completed. BOA had that appraisal for several weeks and no one said anything about my gutted 40 sq. ft. bathroom until the day of the closing. I then incurred heavy credit card debt to finish the bathroom so the loan would go through. BOA wanted to know how the bathroom was paid for- where I got the money from, etc. I cashed in an IRA for XXXX to help defray the costs and ran up my XXXX card, and used my savings to pay for the bathroom at their demand!! They demanded another inspection ( at MY expense ) which was completed. I was promised after the inspection a closing date would be set. There were several other closing dates set, but all were called off. There was a re-evaluation of my debt-to loan ratio and they demanded more and more information on a daily basis. This went on for over 3 months. I have gotten ill twice during the process. My hair fell out in clumps. BOA had me in a Catch-22 situation. I did not have money necessary to complete the renovations, and that is why I applied for the loan. They then balked at processing the loan due to the debt I incurred FOR THEM!! And each day they prolonged it, it is cost ME money due to fees to extend the rate lock. I finally threw in the towel and cried ENOUGH! This is consumer ABUSE!!

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 05/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: For the past 12 months I 've been advised by the Equifax credit reporting agency that my file is too large and currently is being reporting in XXXX different reports. The agency has falsely reported to me that the situation was being reviewed and/or resolved with negative results to date .... I last spoke with a Equifax supervisor yesterday afternoon who provided me a confirmation number of # XXXX. 

This issue is adversely impacting my credit score and violating my rights under the Fair Credit Reporting Act based on this information being inaccurately reported to potential creditors for the past 12 months. 

During the past 12 months this problem has caused my file to be misrepresented in terms of the true credit score and history because the majority of my good standing accounts are n't being captured in the credit reporting process with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received numerous calls and letters stating I owe a debt I do not recognize. The company, IC Systems refuses to provide proof in the form of an original bill or contract. This company has also called my brother, my parents, and my work leaving personal messages about the alleged debt and threatening " action '' if I do not respond. 
The most recent letter is dated XX/XX/2018. The phone calls occur daily.

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 11-11-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Ocwen Loan Servicing and its employee XXXX XXXX are continuing the same abusive servicing practices it was ordered to Cease and Desist. Do to the abusive servicing practices I canceled out the increased none negotiable loan modification with outrageous balloon payment then submitted a application for assistance to avoid the illegal seizer of my home until I can get justice in a court of law. As of today, I still have n't received a response. I have added the Consumer Financial Protection Bureau as a defendant to the lawsuit because they failed to take action against Ocwen Loan Servicing, and because of all the past quiet XXXX dollar settlements in agreement allowing Ocwen to admit no wrong doing which has allowed Ocwen to continue its abusive servicing practices allowing Ocwen to keep committing fraud against me to embezzle my home to enrich themselves while the CFPB shuffles its millions. The Consumer Financial Protection Bureau is not designed to protect homeowners from abusive loan servicing practices it is designed to receive millions in settles in exchange allowing Ocwen to admit no wrong doing when Ocwen makes false promises to clean up its act. The same old story! The same old quiet XXXX dollar settlements! The same old abusive servicing practices! The same old harassment! The same old demons running a muck! The same old family 's out in the streets with nothing left because of Ocwen manufacturing documents to be guaranteed favorable judgments to embezzle homes!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 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: I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT 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 non-monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Federal Adjustment Bureau, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Moved into an apartment XXXX week of XXXX 2015. There were numerous repair requests and unknown pests. After no results, I filed rent escrow XXXX 2015 but the management attorney promptly cancelled the hearing and filed a form to release the rent my door was tagged daily with Notice to Move and notes that the contractors would be in the apartment to clean and rerent. 
I could not afford to move so soon and was in a lease so i emailed to stay and pay XXXX rent. I received an email that " they are not accepting any more rent from me. '' So to keep the contractors at bay and to prevent my belongings from being discarded while i was at work i began leaving notes on my door that i still lived there and do not enter. 
I obtained moving and storage quotes from XXXX and emailed these quotes to the office in hopes that they would n't discard my belongings as they threatend. 
I was able to find an apartment and a moving company XXXX XXXX, cleaned the apartment and took pictures and I promptly emailed the company my forwarding address and after a few months I assumed the apartment management kept my deposit and i had a zero balance. 
7 months later i get a {$950.00} bill from a collection company stating that i owed XXXX for past rent and utilites, administration charges and other nonsense. They have listed that i owe for XXXX rent and late rent fee ( which was paid on time and they retrieved from XXXX XXXX XXXX XXXX. 
Also they have listed i owe XXXX rent which they refused to accept from me on XXXX XXXX. ) They are billing me for billing me for electric and water, and I have been requesting copies of these bills for over 2 months. 
I have emailed and made several calls to FABCO, the collection company. I am requesting copies of these utilities because i was responsible for my own utilites and they did not supply or bill for electricity. 
I had my own electric service XXXX which i transferred to my new apartment. The water was paid monthly and was approx. {$20.00} a month. 

I assumed my deposit was used for the 6 days i was there as i dropped the keys off on XXXX XXXX. 

It is a shame that an apartment complex can treat someone so horribly because they expected apartment repairs. The daily posting of Notices that contractors would be doing a cleanout of my apartment and tagging my door with eviction notices and threats that 's contractors would be in the apartment cleaning it out were especially cruel since i still lived there and was not behind in rent.

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 02-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I've tried to get accurate information about this student loan debt since XX/XX/2017. Everyone ( all 3 credit bureaus & XXXX ) keep giving me the run around with no offically signatures from me connecting me to almost {$14000.00} in alleged student loan debt. Finally, after requesting this information several times ; XXXX sent me a packet with several pages of computerised signatures ( which I did no such thing over the internet in reguards to any federal student loans ). Connecting me to this alleged debt. The credit bureau ( XXXX  ) states no original documents were given to them with my original signature connecting me to any student loan debt yet the information in there system is accurate due to confirmation of my social security number, address, DOB and name?!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16, I received a call from a representative of Bank America. Her name was XXXX. She informed me that an unknown person in Florida had applied for and was issued a XXXX with XXXX XXXX. I did not apply for nor authorize such a card. A charge of {$2100.00} was approved. Attempted charges with XXXX in the amount of {$2800.00} was declined. My address on the record in XXXX XXXX XXXX XXXX. Why would Bank America issue a card to someone in Florida without contacting me about the different address.

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, On    XXXX   XXXX   XXXX    I received a letter via  XXXX  from  XXXX  in reference to my  XXXX  Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting    XXXX   XXXX   XXXX        The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on  XXXX     XXXX   XXXX      -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted   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 11-10-2015 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I lodged a complaint with the CFPB against this firm two months ago. I have also challenged this tradeline with the XXXX credit bureaus since XX/XX/2015. This firm has not resolved my complaint with the CFPB, yet they continue to report this tradeline to the credit bureaus. They know that they do not possess proper documentation for this account and are thumbing their nose at laws intended to protect consumers. Please force them to delete the offending tradeline until adequate, legitimate validation is proved. The original complaint is below : JH Portfolio Debt Equities is reporting bad debts to XXXX and XXXX without providing verification of debt in violation of the FCRA & FDCPA. JH Portfolio Debt Equities must verify said debts with full account statements supporting amounts claimed, including manner and date of last payment, manner and date of last purchase and calculation of amounts claimed including interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I have been a customer of Union Bank ( California ) for XXXX years. Last week I tried to send a bank wire using money in my account to a bank in XXXX, XXXX XXXX XXXX XXXX XXXX. I was advised that the service would cost {$50.00} which I thought excessive. In correspondence with the person in XXXX to which I am sending the money I learned that he too must pay for receipt of the same funds an additional {$40.00}! Upon further research I find that my bank, Union Bank is wholly owned by his bank in XXXX, Bank XXXX XXXX XXXX! So the very same corporate entity is collecting from both ends, a total of {$90.00}! 
In itself this is outrageous but in light of all the political hoopla about Pacific Trade Agreements being good for business, the " good for business '' must mean the good for the corporate, not the individual!

Company response to consumer: Closed with explanation