milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (NM).
Issue: Fees

Complaint: In the process of making a purchase over the internet through a small business commerce site I signed up for Paypal yet did not clearly understand that I had to use a credit line for the purchase. I was contacted by a collection service to pay off the remaining balance which I did during that phone call. Looking back at the process I would like to know if the extremely high interest rate I paid for the lats month of the credit line was actually legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with Torres Credit Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX XXXX, an outfit called Torres Credit Services sent a letter stating I owe {$14.00} from not paying a XXXX XXXX XXXX XXXX which is a complete lie. This company is running a scam operation trying to collect phony debts and sending intimidating collection letters. The address from them on the letter shows they are located in XXXX, PA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Other bank product/service) with KEYCORP (OR).
Issue: Making/receiving payments, sending money

Complaint: Key bank holds all transfers in from other banks and credit unions for XXXX business days before giving you access to the funds. I have a XXXX XXXX Card with Key. We have a XXXX checking at a Credit Union. We also have a checking account at Key, but have not been using it for XXXX banking for a year because the same problem existed there with holds for XXXX days. XXXX. We get checks for XXXX regularly. We have to deposit then disperse some of this money within a day. This was impossible with Key 's rules so we moved to the XXXX for the XXXX checking. Now when we do a bank to bank online transfer from the XXXX to Key to pay down the XXXXcard, Key will not release any funds over {$200.00} for XXXX full business days. I recently paid {$5000.00} to the XXXX on XXXX/XXXX/15. on XXXX XXXX/XXXX/15 I still could not charge anything to the XXXX. I needed to order a new laptop and XXXX could n't get the charge to go through. I finally switched to a personal XXXX CC so I could get the laptop ordered and on it 's way - to run my business. Key insisted this is their policy and they are within their rights and the law to do so. I feel this is a predatory, non-consumer oriented policy that is hurting small businesses like ours. I do n't have lots of cash sitting around to absorb these things. I have to make payroll, pay my agents, and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with Capstone Credit & Collection, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, I received my annual credit report. In detailed a listed an account from Amsher Collection SE. It states they are trying to collect a debt from XXXX XXXX. I have called and written letters asking that this debt either be validated and/or verified. Amsher Collection has not responded via written or verbal. Since they have not responded within the 180 days allotted, I am asking that they remove this information from all reporting credit bureau ( s ). They have no information listed except that this information was brought by a third party in 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 08-11-2016 about Credit card () with Pressler & Pressler, LLP (NJ).
Issue: Credit card protection / Debt protection

Complaint: This PRESSLER / XXXX XXXX XXXX has been sending me notices to collect a debt which has already been paid to XXXX in New York long long time back. 
Pressler does n't take the phone when I call him. 
Thier file XXXX XXXX Thanks 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I 've learned that Equifax may have compromised my personal information including name, DOB, social security number and address from online news reports. Even beyond this outrageous failure, I was not notified of this by the company or automatically enrolled in an extended protection program. It seems that would be the least they can do. The 90 day protection is pointless because this information can be used 100, 200, or 1000 days from now to fraudulently open accounts in my name. The government should step in now and make sure anyone whose information was compromised is secured from fraudulent activity, where there is additional verification of identity for these individuals. I do n't trust Equifax to do this properly since they have failed so awfully in literally the one thing their business needed to get right.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MY HOME IS IN FORECLOSURE AND I AM IN THE TRIAL MAKING PAYMENTS I BEEN SAID OVER THE PHONE THAT THIS IS NOT ACTUAL INFORMATION BUT I STIL IN FORECLOSURE ( DUAL TRACK ) THE SERVICING COMPANY IS TAKING THE PAYMENTS ( 2 ) AND I DO NOT UNDERSTAND THEIR PROCEODURES BECAUSE THEY SAID WHAT I SEE IN THE INTERNET IS NOT REAL

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage has disrupted my credit because they state that in XX/XX/2015 I missed a payment. I never missed a payment. Between XX/XX/2015 and XX/XX/2015, my payment changed because Nationstar states that my loan went from an interest only loan to a principle and interest loan. I made my usual payment of {$3200.00} in XX/XX/2015. What I did not know is that Nationstar put that money into suspense and did not apply it to the loan because they do not accept partial payments. When I received my statement in XX/XX/2015, I noted the increase in required payment adjusted my payment accordingly. At the time, I was remodeling the home and I assumed that the increase in payment was to cover additional escrow because the taxes and insurance went up. I never thought any more of it and continued to make the new payment ; actually paying more than the required payment. ( This is a practice that I have always done with all of my loans ) Nationstar never notified me in writing, email, or by phone prior to XX/XX/2015 that my payment would be changing in XX/XX/2015. They state that they tried to contact me in the month of XXXX, but that my phone was disconnected. That would not seem plausible since, as a surgeon, I would never not have a working number. Even if they had tried to contact me, it would have made no difference because I already had corrected the payment. At the time, there was more than sufficient funds in escrow to cover the {$600.00} difference that they said that I owed, but they did not apply those funds. Instead they put the {$3200.00} into suspense and did not apply it to the loan. I never discovered any of this until I started the process of refinancing my home. Now, Nationstar says that they can not amend the report. This is disrupting my credit and making it difficult for me to refinance the home. At XXXX years old, I have never declared banckrupcy, short sold a home, or missed a payment in my life!! This is a mistake on Nationstar 's part that is affecting me. I find it hard to believe that they can not amend their report based upon all the evidence available. I think that this is fraudulent and shameful. Moreover, I believe that legally, Nationstar should have notified of the payment change. Had they done so, I would have adjusted my payment accordingly and this never would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with First Data Corporation (LA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I wrote a check at XXXX number XXXX they scanned it thru tele check electronic then keep the check and sent it to the bank so the check got paid twice my bank has sent prof to tele check that it was paid to XXXX but tele check keeps sending me papers saying I still owe them. this has been since XX/XX/XXXX and here it is XX/XX/XXXX and they still are bugging me for payment {$49.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have had the American express blue card for over 8 months with a perfect pay history and an average fico score of XXXX for this period. My credit limit was initially {$10000.00}. approximately 2 days ago, X/XX/2017 I received and e-mail from American Express stating they have lowered my credit limit from {$10.00}, XXXX to {$1400.00}. I called to ask why considering my perfect pay history and never utilizing for than 9 % of my credit available and was told it had nothing to due with pay history or responsible use of the card but a automated financial review system decided that I should have XXXX credit line without any notice or contacting me in advance. this has caused my credit score to drop because my account utilization has gone from 9 % to over 80 % because of this decision without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get approved for the HAMP Modific ation. Wells Fargo sai d that I did not send in the paperwork by the deadline of  XXXX . I have proof that it was faxed and received by them on  XXXX . They also changed the Home Preserv ation Specialist  from  XXXX   XXXX  to  XXXX   XXXX  in  XXXX ,  XXXX .   They requested more documentation and I sent it on  XXXX , and I also clarified some information on the phone a few days later.   On  XXXX   XXXX ,  XXXX , I received a letter stating that they  denied the HAMP Modification, b ut approved me for long term assistance of 40 years at 6 % with a monthly payment of {$1300.00}, or 30 years at 6 % with a monthly payment of {$1400.00}. They did not lower the interest at all, even though the interest rate is in the low 3 % range now.   I have NOT agreed to either of these options. I am still paying my regular monthly payment. I have approximately 17 years left on my mortgage, why would I want to pay for another  30 o r 40 years?   On  XXXX   XXXX ,  XXXX , I sent in  an Appeal Request  with more information. On  XXXX   XXXX ,  XXXX , they sent a letter stating that they denied my appeal.   I have fax ed my Divorce Decree to Wells Fargo two  times, yet, even though I have requested several times that my ex-wife 's name and email address be removed from all all my letters and documents, they are still on them. I do n't t hink that they should be sending my ex-wife correspondence concerning my Hamp Modification and Appeal Request.    On  XXXX   XXXX ,  XXXX , during a phone call to pay my monthly payment, I asked why I was denied th e Appeal request. I was told by another Home Preservation Specialist, that my documentation was too late to be reviewed because the HAMP deadline was in    XXXX ,  XXXX . If it was too late, why did they request more documentation in  XXXX  and  XXXX ? The Government websi te about the HAMP Modification states tha t the deadline was  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 02/24/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with XXXX XXXX XXXX was sold to Carrington Mortgage Services in XXXX 2016. Beginning with my XXXX 2016 mortgage payment, I started making my payments directly to Carrington and it has been a non-stop litany of problems since then. I have yet to receive a payment coupon book. I have now made 3 timely monthly payments, per the terms of my mortgage, yet none are posted correctly without a lot of intervention on my part. I receive harassing calls at work at least once a week saying my account is delinquent despite the money arriving there on time or ahead of schedule. I 've also received at least one delinquency letter. I have yet to receive a XXXX form for 2016 for my taxes. Their website lists one monthly amount due yet their customer service reps indicate another amount is due ( the difference lying in the escrow payment ... not late fees, principal or interest ). I feel this is a pattern of behavior designed at best to generate additional revenues in fees, and at worst, to create an event of default allowing them to take my home despite my making all of my payments on time. My only proof of payment is my bank statements and receipts generating by their website when I make the payments, but I am afraid this will be insufficient in the event that I need to rely on them. At this point I am debating refi-ing my house in the hopes of never having to deal with Carrington again, although they seem to play games during the refi process as well. I am a highly educated, gainfully employed XXXX. I hold a XXXX and know many attorneys through my job and in my personal life ... I do n't know at this point my best option is to send an attorney letter to them or what my best course of action is as I feel powerless over what Carrington chooses to do with my payments and what they choose not to do. The BBB website has at least XXXX pages of complaints very similar to mine ... most of them stemming from mortgage transfers by XXXX and XXXX ... and the company has a XXXX disapproval rating. There are many, many complaints against them on other legitimate, reputable sites as well. I got your web address from the FTC in hopes that you can intervene in some fashion. Their business practices are most definitely predatory and likely intentionally unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Making/receiving payments, sending money

Complaint: I sell XXXX online for payment with paypal. I follow strict customerId and XXXX procedures. I had a customer buying large amounts of XXXX from XXXX through XXXX 2015. 
We collected multiple selfie with id pictures. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, PayPal determined there was near XXXX probability that her identity had been stolen. PayPal initialy refused the claim of unauthorized transactions. 

After a week though, paypal now claims that her bank did reversalson all {$1800.00} that she spent. PayPal want me to pay this. 

I have asked PayPal for futher information to assist with filing a police report but paypal wo n't provide any. I do n't think I should have to pay paypalback if they wo n't provide further information for me to provide to law enforcement agencies. 

Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I amout nearly 100 % of the cost unlike music, videos, or software that are only copies. 

Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Closing/Cancelling account

Complaint: In XX/XX/XXXX my husband and I opened up a Discover credit card..we were never late until our infant daughter passed and we had many unexpected bills to come up. This account got a few months behind and was charged off. However in XX/XX/XXXX the account was paid less then full but {$400.00} ( we owed I think XXXX ). However, DISCOVER are STILL REPORTING IT as past due/late EVERYMONTH even though the amount was " settled for less then amount ''. They have really jacked my credit up for YEARS NOW and we had NO CLUE until recently when trying to refi our house we were told about it! I could not believe this! I do have a letter stating where it was paid in exchange for the lesser amount! I also have the offer letter then sent me as well BUT THEY ARE ILLEGALLY REPORTING STILL that its still " late '' every single month and have done so since XX/XX/XXXX!!! FOR 6 YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have over  XXXX  in debt from university of  XXXX . It was  XXXX   XXXX  first the it went Navient. I call them almost every year trying to lower me payment or try that income base repayment but they always say I do n't qualify I make too much. I 'm a single mom o n one sal ary and have a mortgage and car /insurance payment. And utilities! They keep saying I do n't qualify and defer my payments but that just makes my balance go sky high with interest. They do n't help me with anything. I 'm never going to pay off this debt! I need help my son goes to college next year. I think my balance was around  XXXX  tbousou d before but with all the deferment it 's gone up to  XXXX  that a house. Please help. I work in the   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 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: Old information reappears or never goes away

Complaint: Equifax credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation