milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: Hello, I 've been XXXX for over 8 years now, XXXX on XXXX and Ebay, and using Paypal to accept payments from my customers domestically and internationally. I have perfect feedback on both sites and many many returning thrilled customers, dedicating my life to making my customers happy. In XXXX after a customer in XXXX had apparently used a stolen credit card for an item they purchased in my XXXX XXXX and then subsequently filed a 'chargeback ' ( to which I immediately gave my okay for the funds to be returned to the rightful credit card holder, even though I believe this customer was using this stolen- or not stolen- card to defraud/steal from me ), I had my Paypal account 'Reviewed '. During this review period Ebay also closed my store because of their rule that all sellers must have a Paypal account in good standing and Paypal is the only method of payment sellers are allowed to use. After about 2-3 weeks of worry, phone calls and much travail I received an email from Paypal stating that they had decided to reinstate my account but that they would now withhold 25 % of all of my incoming funds for a period of 4 months ( a 'rolling reserve ' ) starting immediately ( no warning whatsoever ). They said this is due to a number of reasons, XXXX of which being that my credit score was below XXXX etc., etc. and that I had a high percentage of chargebacks ( I believe I have had less than XXXX in the last 12 months- XXXX of which were no fault of mine whatsoever ), blah blah blah. They are now holding about {$3000.00} of my money as of the date of this writing, and Paypal in the email ( see attachment ) also stated that I am not even allowed to ask them to re-review my account until after XXXX XXXX 2015. I would like Paypal to release my funds immediately, for XXXX thing because they are a Money Transmitter, NOT a bank, and as such should not be legally allowed to withhold money for the length of 4 months, regardless of whether or not it says this is okay somewhere in their giant and ever changing user agreement that they make all users sign, also because this has caused me to now have trouble filling my orders and paying my bills and will ultimately ( and possibly very soon unless I 'm able to get a loan ) make it impossible to stay afloat. Please help. There are also many others out there like myself, I am by far not the only XXXX. Paypal should be stopped from being able to abuse their power anytime they feel like it- at best it 's extremely unfair and at worst, it 's illegal. 
Thank you so much for any help. 
NOTE : I had to choose only XXXX option below, but really it should be both domestic AND international money transfers, as my funds being held are from both types of transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Received a loan I didn't apply for

Complaint: This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Experian has XXXX/XXXX XXXX XXXX XXXX on a Your Accounts that may be considered negative. 

XXXX XXXX XXXX XXXX 3 Different Loans XXXX/XXXX  XXXX XXXX XXXX Transferred the loan. I did not request nor have nothing to do with the transfer or the sale of the Student Loan. 

All my student loans was deferred so how or why does Experian have them showing late. 

Your accounts that may be considered negative by Experian has issues for the time that they have that goes good as I see 8 years as By XX/XX/XXXX 2023 this account is Scheduled to go positive status. so how is it that it takes 8 to 9 years on some accounts if your paying on time to go Positive and for the past 2 years its been paid It seems Experian just create things on credit files and incorrect information they gather and it makes no sense as I look at my report it takes or the wording that Experian uses to create may be considered negative that 's very vague with one way or the other.

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 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Fraud or scam

Complaint: Hi Dear officer, I would like to report a fraud which started on XX/XX/XXXX. 

On XX/XX/XXXX, I wire-transferred {$75000.00} to Gdax/Coinbase account using the wire transfer information/instruction provided by gdax.com. 
On XX/XX/XXXX, from support.coinbase.com, XXXX opened a case regarding this wire transfer indicating that the transfer failed and was reversed. On the same day, I received an email from them indicating the same. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I asked them to investigate this matter but never got a single response back ever since they open the case on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX XXXX, the originating bank couple of times. in the first calls regarding to why this transfer was not successful and what I should do to speed up the reversal process, XXXX XXXX told me since Coinbase already started the reversal process, I just need to wait. Then before XXXX, when I talked to XXXX again, she realized it is taking too long for the reversal, so she started talk to the wire transfer department in XXXX XXXX XXXX to try to recall the wire transfer. 

But so far there is no response from Coinbase.com for the efforts from XXXX XXXX XXXX side. 

I have provided the following documents to establish my case. 

The email from XXXX notifying me of the wire transfer reversal on XX/XX/XXXX The Coinbase support case update history through screenshots The screenshot of Gdax ( which is linked with Coinbase.com ) provided wire transfer instructions The wire transfer transaction record itself. 

In case you need to talk to the originating bank XXXX XXXX XXXX XXXX, I will provide XXXX XXXX contact information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 8 inaccurate late payments being erroneously reported by Navient from XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through Navient Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to Navient directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. Navient has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with Navinet and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So Navient no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another Navient supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>Navient appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my account.

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 08/23/2016 about Debt collection (I do not know) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an account reporting on my credit reports from this company. I have contacted them by mail on XXXX separate occasions to ask that this debt be validated with proof of my signature to be included. The company has never responded, and continued to verify the debt with the credit bureaus and continue to update monthly as if this is an ongoing debt. The debt is also past the statute of limitations for the state of MS and they never indicated that the accounts were under dispute on my credit report. This is a violation that is illegal and can be considered pursuing a debt after the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, it was made public that Equifax had a major security breach that compromised about 143 million U.S. customers. As a result, I have reason to believe that I have been impacted and my credit may suffer for it. It is absolutely unacceptable that Equifax knew about this for months in advance before making the news public, during which time executives at Equifax sold shares before the hack was announced ( which could be considered illegal insider trading ). Over a third of the entire country has been screwed over by this company and that is absolutely horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO CAPITAL ONE BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED CAPITAL ONE BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I contacted via letter disputes XXXX XXXX and Pinnacle Credit Services in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX XXXX. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past XXXX years ) and I 've never had accounts or service through XXXX XXXX. I 've spent the last XXXX months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Pinnacle has been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what Pinnacle has done to me. Furthermore, after sending dispute letters to XXXX XXXX, the company has not reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with North American Credit Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: North American   XXXX   XXXX  has been reporting their own estimation regarding  XXXX  closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and  their answer is it takes time. These debts were settled more than 120 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting both my birthday and SSN incorrectly. In connection, it also is allowing that a late payment for XXXX XXXX, a company that services prepaid debit card accounts, be reported as a delinquent credit account on my current credit report. I do not, have never heard of, nor inquired of a XXXX 'credit ' account. This account is erroneous. It does not even exist as a known, recognized, possible available option for a credit account. 
Having used the XXXX XXXX Pre-Paid Debit Card in the past, however, it did not afford an opportunity to spend beyond the predeposited account threshold. 
I have no familiarity with a XXXX XXXX Credit Account. I absolutely did not request any XXXX XXXX service beyond pre-paid debit account with the company in years past. 
This overdrawn XXXX XXXX credit account of {$320.00} does not nor has it ever belong 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 non-monetary relief
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Acct # XXXX Ditech mortgage. I mailed my payment XXXX/XXXX/15 to address that is on my payment coupon Ditech XXXX. XXXX XXXX XXXX, California. XXXX. I received letter from them on XXXX/XXXX/15 stating they had not received my payment. Call Ditech XXXX/XXXX/15 to get automated service according to them check received XXXX/XXXX/15. I also checked bank account that check # XXXX was cashed in XXXX/XXXX/15. Called XXXX/XXXX/15 was told by XXXX said she was located in XXXX that payment was not posted until after XXXX/XXXX/15 that is why I received letter. I called back XXXX/XXXX/15 hoping for a better explanation. To get same answer sorry your payment was not posted before XXXX/XXXX/15. I am not satisfied with either answer. How can there automated service say they received it and my bank so it was cashed 8 days before they mailed letter. All numbers from Ditech all go to costumer service so there is no one else to speak with. This company use to be Green Tree and only changed names a few months ago. I am in California and they are in XXXX XXXX, SD. They used my money for 8 days before it was posted? I can not do computer payment! No personal computer use of neighbors when she is home. Thank you XXXX XXXX. XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Other type of mortgage) with Altisource Portfolio Solutions, S.à r.l. (GA).
Issue: Trouble during payment process

Complaint: First of allow us to make the declaration ; our home is paid in full with No Mortgages or Liens validated by County Records and Title Insurance ; but this Company, Altisource an affiliate of XXXX, broke into our home ; and changed the locks to a coded lock ; destroyed our front door ; and pantry door ; ripped up our carpet in the den and master bedroom, muddied the carpet on the stairs and upstairs ; and transferred our utilities to Altisource Name. We contacted the Police ; and the Police after reviewing the evidence ; and speaking with Altisource and XXXX Reps filed a Felony Charge of Theft by Conversion. XXXX XXXX, Altisource Ombudsman Customer Manager claimed that XXXX 's Attorney, XXXX XXXX was the culprit stating that the property was vacant ; but the yard was manicured and the utilities were on ; so he changed his story to state that was foreclosed on XXXX XXXX, 2017 ; this lie was also debunked. XXXX 's Ombudsman had no knowledge of any foreclosure and this was validated by his letter that stated " They are reviewing the issues raised that was submitted to the CFPB and would respond by XXXX XXXX, 2017. ( Ombudsman Letter attached ). The CFPB email stated, XXXX XXXX XXXX XXXX is reviewing the issues and are requiring 60 days to respond. ( CFPB Letter Attached ) Aside from the fact that we own our home outright and has never had an account with XXXX or Altisource ; and has NEVER paid Ocwen nor XXXX dime. We have no idea what Altisource is ; but know that XXXX is nothing but a Big, Fat, Criminal Collection Company for Mortgages that was sued and ordered to pay 2. XXXX XXXX Dollars and issued a Consent Order by the CFPB ; and has recently been sued again by the CFPB and 25 other states that also has banned them. Neither Ocwen nor XXXX are banks or Lenders yet they think that they can break into someone 's home ; change utilities and take possession ; NOT OUR HOME. Evidence has shown that the CFPB is investigating the Altisource- XXXX Relationship. ( Evidence Attached ) Evidence has shown that the SEC Subpoenaed XXXX over Altisource Associations. ( Evidence Attached ). Evidence has shown that Altisource paid XXXX XXXX to settle a Class Action over its XXXX 's relationship. ( Evidence Attached ). With all of the above ; and much, much, more ; how in the World are these Crooks still operating in America? As Veterans that defended this country ; someone is going to answer that question ; and Altisource is going to PAY to restore our home.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.

Company response to consumer: Closed with explanation