milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (KS).
Issue: Managing the loan or lease

Complaint: About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a XXXX account in my name, applied for a PayPal line of credit ( I already have one ), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which does n't allow for an underwriter to open a line of credit in a consumer 's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft. 

A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about {$100.00}. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account ; rather, it was only on the XXXX account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them. 

Because it is impossible to get account resolution through PayPal 's customer service, I contacted the company through XXXX 's social media messaging about the ongoing problems. I told the representative, XXXX, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General 's office, the Consumer Financial Protection Bureau, and the XXXX. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. XXXX 's response was flippant ; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. I have made a screen print of his response for the XXXX ' records. 

Besides your organization, I have also reported this to the XXXX, the Attorney General of XXXX, the Attorney General of XXXX, and the FTC. Please contact me if you have any additional questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Mortgage (VA mortgage) with ACADEMY MORTGAGE CORPORATION (MD).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX I started looking for a home to purchase in XXXX, GA. I was pre approved for {$180000.00} found a home packed up a XXXX and drove down to XXXX. This entire process took place by email, phone, and by mom on my behalf who live in XXXX. Gave {$1000.00} in earnest money to my realtor. Once I got to XXXX I never closed but I also was't denied. I was in limbo I was told that if i got denied on my part I would n't get any money back. If it was their fault I would get {$750.00}. XXXX this day I have n't gotten a straight answer from the lender or the realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. 

Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. 

Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: MY MORTAGE HAD BEEN WITH XXXX XXXX XXXX. THEY WERE TAKEN OVER OR SHUT DOWN BY NCUA. THEY SENT MY MTGE TO CREDIT/COLLECTION MORTGAGE AGENCY CALLED ROUND POINT MORTGAGE. AS I WAS GOING THRU A HARDSHIP & AS MY INCOME HAD REDUCED BY SOME, THEY ASSISTED ME FOR A SHORT TIME. AS THEY ASSISTED, MY LOAN WAS NEVER BROUGHT CURRENT AS THEY STATED THEY WOULD DO. LAST YEAR & EARLIER THIS YEAR I APPLIED NUMBEROUS TIMES TO REQUEST FOR ASSISTANCE WITH THEM, HOWEVER THEY DELAYED & DENIED MY MODIFICATION/ASSISTANCE REQUEST AND WOUDL NOT ALLOW ME TO PAY ONTO MY ACCOUNT UNLESS I BROUGHT IT COMPLETELY UP TO DATE, SO TTHEREFORE MY MTGE CONTINUED TO GET FURTHER BEHIND. I CONTINUE TO GET RUN AROUND/ALWAYS DIFFERENT REPS HANDLING MY ACCOUNT. AND WHEN I ASK FOR A PAYOFF IN WRITING SEVERAL TIMES THIS YEAR THEY NEVER PROVIDED ( I ASKED FOR THEM TO PROVIDE IN EMAIL OR LETTER ) TO THIS DAY THEY STILL WOULD NOT PROVIDE. AS OF EARLIER THIS YEAR THEY ALSO INCREASED MY MTGE PAYMENT, FOR WHICH I FEEL IS NOT LEGAL TO DUE, WITHOUT MY ACKNOWLEDGEMENT. MY RATE WAS 2 % AT APROX {$640.00} PMT, AND HAS INCREASED TO {$1000.00} A MONTH, SO WOULD MAKE ME WAY OVER OBLIGATED AND/OR INTENTIONAL UNLAWFUL PRACTICE WITH THIS COLLECTION AGENCY!!

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 08/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax reporting my name wrong also XXXX @ is hacked i no longer can get my XXXX.back because you guys are trading servises but remember CONSEQUENSES

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit determination

Complaint: I paid my account in full on XXXX XXXX, 2012. Synchrony Financial is not responding to written request to acknowledge a paid in full status. They continue to bounce my calls through multiple layers of the organization with no substance or response.

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 02/15/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX. 
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I am filing a complaint against American Express due to non distribution of my full reward points upon completing my minimum spend ( completed 30 days after receiving my credit card ).
I have attempted to handle this multiple times via phone as well as website chat but have had XXXX   success. On XX/XX/XXXX I spoke with a chat representative from the XXXX  XXXX  site who informed me that the error is on their side, and that my points would be credited " soon ''. I have attached a screenshot of that portion of the conversation. But that never happened -- so I spoke to another representative via phone support to try and get the issue resolved. That was sometime around the XX/XX/XXXX. On that call, the AmEx representative was able to get my full reward points amount to reflect ( a total of XXXX  points ) -- but those points do NOT reflect in my XXXX  account, which is where I need them to be in order for me to book any type of travel arrangements. It has been 6 months now, and I still do not have my rewards points reflecting in my XXXX XXXX XXXX account. I only show the total amount spent, which is 11,200 roughly. I have included screenshots to indicate that my minimum spend was hit within 30 days of receiving this card, as well as the discrepancy in points reflected in both accounts, and it has been well over the 6-8 weeks that American Express keeps regurgitating to me to wait for these points to appear. I have held up my end of the bargain on this and spent thousands of dollars with their company which they have made money on through company interest fees, and yet they have not held up theirs and credited me these points owed. Please let me know if there is any additional information I can provide on this matter.
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX I revoked a Navient authorization to direct debit my bank account. Navient continued to automatically withdrawal the money anyway. I called and complained and they put it back. I never agreed to direct debit again. In XXXX through XXXX, in order to fraudulently induce me to provide direct debit to my bank account, the collections team promised me 3 % interest on my private bar study loan. I agreed to these terms and granted direct access again to my account. Thereafter, without warning or notice, Navient increased my interest rate to 14 % as on XXXX XXXX and continued using the fraudulently procured direct debit access I provided under the false premise the loan interest rate was 3 %. On XXXX XXXX XXXX, I called Navient irate, and told them I never agreed to the 14 % interest rate and they are demanded to immediately cease all direct debits. I followed with a written email for proof. They continued debuting my account on XXXX XXXX, XXXX. This is blatant fraud in the inducement and theft. They need to be help accountable for this unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid the debt off, still is showing on my credit report that it is derogatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the  courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Other bank product/service) with UMB BANK, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} XXXX XXXX and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My transunion reports are showing XXXX accounts that are in collections and they are incorrect due to the fact they were filed in my bankruptcy that was filed on XXXX XXXX 2015 and should not be shown in collections any longer. We received our letter of release of debt from the court so these accounts should n't be showing to be in collections any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: Citibank Customer Service informed me that according to their transactions records, they have NO record of any car rental fees from XX/XX/2016 - XX/XX/2016. This card has been closed out by Citibank. {$700.00} owed on the amount in for car rental yet, they have no record of any transaction from the time frame mentioned. Citibank should re adjust the amount they claim I owe on this card. Minus {$700.00} in rental fees they can not locate.

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 07/29/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I went to the Bank of America branch, located at XXXX XXXX XXXX XXXX, in XXXX, Florida on XXXX XXXX, 2013 to enter my safe deposit box. When I arrived, the bank personnel made me wait for about an hour while they tried to locate the signature card associated with my safe deposit box. After the bank was unable to locate the signature card, they decided to start a new signature card and allow me to enter my safe deposit box. When I opened the box I discovered all my belongings were missing. The only thing found in my box was a lock, which looked like it belonged to another safe deposit box, along with XXXX screws. ( This lock obviously did not belong to me. ) Bank of America said they would conduct an investigation, but they have been uncooperative and have never returned any of our missing items. Additionally, they have never taken any responsibility for the situation, despite the fact they have no plausible explanation for the missing signature card or the discovery of the safe deposit box lock in my box. The safe deposit box contained valuables and heirlooms belonging to my family. We want our items returned!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation