milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: This is a complaint that regards a previous one, just in case PayPal ignores. 
PayPal said no errors occurred in PayPals processing of transactions, but this is still not answering two of my previous questions 1 ) and 4 ) : 1 ) like PayPal said : If youd like to cancel an eCheck after its issued, please call your bank, so I am asking, what does issues mean? Is pending considering issues? PayPal didnt state at all. Its term in help center is not clear. 4 ) PayPal customer service. Like I say, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different. So no errors? 
Here is one more question : If PayPal still have the bank statement that I submitted, PayPal should notice that my bank balance is only {$700.00} before I made any transactions. So have does PayPal make both Payment 2 and Payment 4 completed? That is total {$1400.00}. 
PayPal said Both of the documents you provided were heavily redacted. Yes, I cover my money balance and part of my account number on the bank statement and my height, weight, etc on the driver license. I dont see how these information related with the confirmation of my identity. If so, please provide details information of what PayPal needs to see to verify my identity. So far, I only received one email about the bank statement of one account is invalid and I resubmitted. Everything else still shows submitted for review for a week long. Please dont make up things. 
Additionally, I have two more transactions ( 7 & 8 ) showed up on my account on XX/XX/XXXX. PayPal customer service said this is a second attempt, but in my PayPal account activity shows all transactions are categorized as Completed. I believe what I submitted previous can back up my story. So no errors? Right now my PayPal balance is {$1400.00} ; however, even I deposited another {$200.00}, and still cant explain how PayPal get the additional {$500.00} from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business  ( s  ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX    XXXX   with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from   XXXX  , Equifax, and  XXXX  with no success. They have refused to update information. Accounts to be removed :  XXXX  # :  XXXX ,  XXXX   XXXX   XXXX  # :  XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  # :  XXXX . Please remove all non-account holding inquires, all addresses except my current address of  XXXX   XXXX   XXXX   XXXX , IL  XXXX . These aliases reported are not my names and need to be removed :  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Payoff process

Complaint: My dentist offered Care Credit which I set up so that the entire balance would be paid in full by the last billing date. Initial purchase appears to be XXXX/XXXX/XXXX but I received no statements until XXXX/XXXX/XXXX which showed that the promotional balance had expired and now my initial purchase of {$1400.00}, of which I paid {$1400.00} as of XXXX/XXXX/XXXX ( billing cycle ), shows a new account balance of {$1500.00}. 
I called Care Credit and they claim that they had been sending statements even though they had the wrong last name and the wrong email address. I feel completely taken advantage of since they finally sent a paper statement after the expiration period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with Alliant Capital Management LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX call a third part number XXXX and left a voicemail, detailing what I need to do, but not Identifying himself as debt collector or what collection agency he works for. This third part now knows my personal business. XXXX XXXX also called my number, and on the caller ID it was masked as private. He leave a voicemail, but again did not identifying himself as a debt collection. The only thing he stated was, there was a compliant file against me and to call XXXX and reference # XXXX before further action it taken against me. XXXX XXXX then called me at work and identified himself only as XXXX XXXX and tried to obtain personal information about. I asked if he was a debt collector and not to call me at work. He replied " Yes '' and " Why? ' I explained I could be terminated and XXXX XXXX proceeded to collect on the debt after he was given this information. XXXX XXXX actions are harassing and believe this collector/agency has violated FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default.

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 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed XXXX XXXX XXXX XXXX with Experian. Experian investigated the account and sent me the results that XXXX XXXX XXXX XXXX " remains ''. My Experian credit report shows ; " the date opened is listed as XXXX XXXX ; the account is scheduled to continue on record until XXXX XXXX ''. I was a victim of fraud and do not have any information on this alleged debt. I do not believe this alleged debt should be on my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Consumer Loan (Vehicle loan) with Maximum Title Loans, LLC (AZ).
Issue: Problems when you are unable to pay

Complaint: I have had an auto title loan with Maximum Title Loans for several years. 
Interest payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called MTL and told them I planned to sell the car, then pay off the loan and interest. Rep agreed to my proposal. 
My car was repossessed on Saturday, XX/XX/XXXX, when interest was 14 days past due. I received no notification that our agreement would not be kept. 
On Monday, XX/XX/XXXX, I spoke to an MTL rep, asked that MTL hold to our agreement of XX/XX/XXXX, that repo fee be reversed and car returned to me. They refused. 
I tried over a period of three weeks to obtain the name and email of the owner of MTL. The reps I spoke with refused to allow me to contact him. Finally, on XX/XX/XXXX, I was given the information. 
On XX/XX/XXXX I asked the owner by email to return the car ; he waited until two weeks later to respond to me. He said my car had been sold at auction on XX/XX/XXXX. 
I 've received no written notice of the sale of the vehicle nor any written accounting of balance due. 
They have repeatedly harassed, threatened and bullied me and my contacts. They continue to call up to 9 times a day, plus emails and voice messages. 
I have twice sent emails requesting that they stop phoning me and my contacts and have told them over the phone to stop calling me. All requests have been ignored. 
The car was worth much more in a private sale than at auction. Had MTL held to our agreement of XX/XX/XXXX, I would have sold the car and paid off the loan long ago and be now free of the debt.

Company response to consumer: Closed
Consumer complaint received 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I received a letter from Attorney 's XXXX. The letter stated that they where sending the letter in compliance with the Fair Debt Collection Practices Act and that I had 30 days to dispute the debt. This is the first communication I have received from this attorney. I did dispute the debt in writing and I sent the dispute to them via Certified Mail. According to the post office and the signature card the dispute was received by XXXX. On XX/XX/XXXX. This is well with in the 30 day time frame. According to the Colorado Attorney General Website " You may dispute the debt ( or any part of it ) within 30 days after receiving the first notice. Your dispute must be in writing. The collection agency must then stop collection efforts until it mails you proof of the debt ( a bill or court judgment ) and the name of the original creditor if requested ( if different from the creditor listed on the collection notice ). '' On XX/XX/XXXX I logged on to the XXXX XXXX Public Trustee 's Website and I notice that they have already submitted the info to the Trustee for foreclosure. They have not responded to my dispute yet and obviously have not stopped the collection efforts. I contacted the XXXX XXXX Public Trustee and they said the foreclosure packet was received on XX/XX/XXXX. In addition they have already scheduled a sale date for XX/XX/XXXX. Before filing this complaint I called XXXX, they said that they are in the process of responding but they can still file paperwork with the Trustee. I have clearly been taken of advantage of and lied to by the banks and lawyers and they should at least be made to follow the laws. It appears to me that between Nationstar and their attorney they have already violated the Colorado Fair debt collection practices act 3 times in trying to collect this debt. 
1. by not halting the foreclosure efforts when the debt was disputed2. by not maintaining accurate accounting records3. by not listing work out options on the initial collection letter from the attorneyPlease help me to stop another wrongful foreclosure case. If you need more information about the previous filed complaints please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX in New York has stated that their policy is to charge the customer {$2.00} anytime he or she uses the XXXX XXXX debit card as a debit card -- if you enter in your pin number to complete a transaction with your XXXX XXXX debit card, you will be charged {$2.00}. If I check out at the store, I need to select " credit '' ( even though the card is a debit card ) and sign for it, because if I enter my pin, there will be an automatic {$2.00} fee. If I use an ATM machine, not only does the ATM machine charge me its fee, but XXXX XXXX charges its own {$2.00} fee because I am using my debit card as a debit card and have entered in my pin number. I have called twice now about these fees -- - the first time, a customer service representative waived {$14.00} worth of fees ( incurred for not selecting " credit '' when using my debit card to check out at stores ). More recently, I had to visit an ATM machine three times over the course of a week, and then realized that XXXX XXXX   was charging me that same {$2.00} charge for every ATM transaction as well. I called customer service again and they explained that this is just their policy. I was not informed of this policy when I opened my account. A {$2.00} charge for every debit transaction with a debit card seriously adds up, and it seems like this can not possibly be okay. I think they have this policy set with the hopes that people will not notice the fees as they rack up. It has also been impossible to do bank-to-bank transfers from my XXXX XXXX   account since XX/XX/2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am having problems with a transaction that happened in a Bank of America branch in XXXX XXXX Florida. The teller charged my account for money I did not receive during a cash withdrawal transaction. I submitted a claim for the missing money, and Bank of America is not willing to work with me in settling the matter.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXXbut got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

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 03/31/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: They sent me a letter i received with the date of XX/XX/2018 and i received it on XX/XX/2018. On the letter stated I needed to contact them within 30 days but even through I debt via mail the same day they continued to collect. The same day I sent a letter via certified mail with return receipt stating that the debt doesn't belong to me and I advised that they not continue collecting. The debt collector never sent me validation of debt and I'm now seeking litigation for them violating the FDCPA subject to XXXX. If this debt isn't removed with 5 days, I will be seeking damages through XXXX courts for not only this collector but the other collector who they brought this debt from. Stop violating the FDCPA rules and do things the correct way. Now litigation is being seeked. You have 5 days to remove from my report, even after you violated my rights to dispute with 30 days. You collector really don't care. People aren't going to pay on debts they don't owe. I've been harassed even after I asked you not to, I had enough. Again stop trying to collect on an accounts that doesn't belong to a person. original letters will be shown at court.

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 01-04-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Late fee

Complaint: Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is  XXXX   XXXX   XXXX , I ca n't get approved for a job or an apartment because my background check has someone else 's record. That person is my twin brother  XXXX   XXXX   XXXX . We both have different social security numbers. I only have  XXXX  covicton of   XXXX   XXXX      back on the disposition date :  XXXX / XXXX /   2012.       XXXX  and  XXXX  was  XXXX  company that went through    XXXX   XXXX  s back  ground for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with The Nguyen Law Firm, PLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in XX/XX/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX/XX/XXXX and received a notice from Collection Agency in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There are items on my credit that I know are not mine. I also can not get a copy of my credit report from the XXXX major credit report sites because of the items that are not mine on my credit they can not prove that I am myself. I am in the process of mailing copies of my information to prove my identity to them so that I can receive a copy of my report from them. I did find that my local bank had the wrong social security number in their system for a credit card I have with them and that has been rectified. So, I do not know if that was the problem with my credit or not because of the variance of my social on my credit. The only reason why I know there are items on my credit that are not mine is because I went to the bank that I have a auto loan through to refinance it and they pulled up my report and pointed out the problems to me there. What other ways can I get this resolved? If it really is identity fraud and I report it to the credit bureaus what happens next? Should I file a police report at my local department?

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