milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I purchased a authentic  XXXX   XXXX  on  XXXX   XXXX  and when it arrived I asked my friend who inspects bags to see if they 're authentic or not and he said the bag I have purchased is not authentic. So then I contacted the seller to see if he had proof showing that the bag is real, he responded and said yes that he 'll send proof but he never did, so then I contacte d PayPal and opened a dispute with the seller, after that the seller responded and said that I received what I purchased so PayPal ended the case in his favor, then I appealed it and I lost again so I reappealed the case and it was ended in his favor again. Also the seller never told me that the bags zipper has thread comming out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dyck-O'Neal, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XX/XX/2016, I went to the XXXX # XXXX at XXXX. I presented their XXXX XXXX as membership evidence. And I paid {$100.00} worth of merchandise by cash. 
A few weeks later, Citi XXXX card sent me a bill of # XXXX for the merchandise. 
I was shocked. I contacted Citi directly and placed my dispute by mail asking my signed authorization. Citi emailed me on XX/XX/2016 saying they will investigate this. I wait a month and a week. But Citi did not reply about investigation result but carry this charge on their statement. 
This was face to face transaction and they needed to obtain my authorization signature on the transaction slip if I used credit card. But they did not do it because I paid by cash on the spot. This is why they do not have my authorization signature on the sale slip. 
Citi visa continuous billing for this unauthorized transaction really both me and my credit rating. This is why I am filing this complaint.

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 12-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Settlement process and costs

Complaint: An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXXs ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 05/21/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I used to sell my family 's older XXXX on eBay, and insist on using Paypal as a payment method. In XXXX of 2013, I sold XXXX such device to a user in XXXX. I 've successfully sold across the globe with no issues. After almost a month this particular user however, decided to initiate a damaged device claim against me via Paypal. In accordance with Paypal 's rules, I instructed the buyer to return the device, at which time I would refund his amount. The buyer, who turned out to be a scammer, sent a box to an address XXXX zip codes from mine with an incoherent recepient ( XXXX instead of XXXX ). The Post Office would not release the box to me as my neither name nor address was on the ship to address. I contacted Paypal, who explained that they had already released the funds to this scammer ( in violation of their own terms, ) and insisted that I pay the negative balance of {$370.00} in my account. I explained to them their mistake, as I had not received the unit and this was a clear violation of their terms. I spoke to XXXX representatives of the company over XXXX month, at which time they closed the dispute. I was then instructed that I needed to pay the amount ( {$370.00} + approx {$50.00} for shipping ) or I would be sent to collections. Seeing no choice as my credit rating was being held hostage. I complied. I did not know this Bureau existed or I would have immediately opened a claim/case then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX, XXXX and XXXX in XXXX 2014 about random medical collection accounts on my credit report. XXXX, and XXXX deleted them. XXXX closed them and never deleted them. I went back to dispute the XXXX accounts with XXXX and they only took off XXXX of the accounts. XXXX of the accounts stayed. I contacted XXXX again due to the collection agency not answering any of my questions or returning my calls. I finally got a letter of so called proof. However they are typed up documents stating I saw XXXX ER physcians however XXXX different doctors yet they all have the same TAX ID. That ca n't be legal or ethical. The address on the so called proof of debt is n't even legit. It says the address belongs to XXXX ER physicians but it is to XXXX. They typed up proof of debt and ca n't send me legitimate proof of debt and that it is me the patient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Managing the loan or lease

Complaint: This was a 0 interest loan for 36 months. If not paid off 29 % interest was charged retroactively. The payoff date expired in XXXX and the payoff balance went from {$1300.00} to {$5900.00}, which was more than the purchase price of the product I bought and I 'd paid on it for 3 years. The problem is the emails I received from Synchrony Bank do not give me the expiration date of the " 0 interest '' offer. I received XXXX email on XXXX XXXX saying " Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details ''. When I clicked on the link to the statement it took me to a marketing screen without a log in to my account. At the bottom of the screen is a tiny " contact us '' which I eventually clicked on. It took me to a log in screen. When I logged in with my SSN and DOB it said it could n't find any records of my account. Companies like Synchrony Bank prey on consumers by not providing adequate notification of these promotional programs, and then making it extremely difficult to get to that information. Then they charge outrageous interest rates, which should not be allowed. I called them, explained the situation and they basically said, too bad, you owe us {$5900.00}. Each email statement should have included the expiration of the promotional period and notification that the interest rate was retroactively being raised to 30 %. The paper bills they used to send had this information. The emails did not and made it difficult/impossible for the average consumer to find the info. Since the account was on auto payments from my checking account, I did n't realize they expiration date had expired until 3 months later. I have paid over {$800.00} in new monthly payments. I talked to a supervisor today and offered to pay off the original balance of {$1300.00} on top of the {$800.00} and was told I had to pay off the entire balance. Retroactive interest charges like this should not be allowed. If they are, there needs to be requirements for notification that make it CLEAR and EASY for the consumer to understand when the payoff date is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2015 about Bank account or service (Cashing a check without an account) with PNC Bank N.A. (FL).
Issue: Deposits and withdrawals

Complaint: I received a corporate personal check from my company, which is a national company that uses PNC. I do not have an account with PNC. When I tried to cash this {$27.00} check the teller said their would be a {$10.00} fee. I do understand administration cost maybe $ XXXX {$5.00}, but {$10.00} is robbery. Good thing I did not need the money, so I deposited it into the bank I use locally. I also have XXXX other banks I use. So how I look at this, XXXX I would never use PNC for any banking in the future or open an account with them and second how about people who do not have much money and that {$27.00} would mean food on the table or gas money to get to their job. I look at this as no more as cooperate Bank greed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2018, I received a text message about my Bank of America credit card alerting me that there had been 2 very large purchases made with my card, for over {$6000.00}. I called immediately to assure them that it was NOT me who made the purchases, and to file a fraud claim. they resolved the matter immediately, cancelled my card and reissued it with different numbers, of course. 

As i was paying my bill on XX/XX/XXXX, I noticed another charge that I did not make, to XXXX. I called and was told that, yes, a charge for {$7.00} to XXXX and another charge of {$49.00} was posted to my NEW card. Again, I called and made a fraud charge, and was given the phone number to XXXX to contact them. When I spoke with the rep from XXXX, he told me that I had a subscription ... .I assured him I did NOT, and told him about the previous month '' s troubles. He asked if my email was XXXX ... IT IS NOT!!! At that point, he told me he would credit my account and send me a cancellation letter ( for an account I never opened!! ) The problem is that my new credit card number was used and I have NEVER used it! It sits in my desk drawer! HOW DID SOMEONE GAIN ACCESS TO THS NEW CARD WHEN IT IS IN MY DESK??? This must come from Bank o f America! 

The fraud case is settled and I am not responsible for the charges ... .but who, besides Bank of America has access to this card that was less than 1 month old??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PlusFour, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: An attorney that I fired is trying to collect after being paid cash in full. I have receipts. 
Just as well, I was notified by Plus Four that the attorney was attempting to collect yet again and that they were going to place this on my credit. I advised that the debt was not valid by certified letter which I have copies of for this exact situation. 
When speaking with XXXX XXXX they were advised of my petition of Bankruptcy and the name of my attorney. The following day, they reported to my credit in a last ditch effort to unjustly collect on a already paid debt. 

Recording of phone call placed to XXXX XXXX, dated XX/XX/2016 @ 11:29am proves notification of bankruptcy proceedings.

Company response to consumer: Closed
Consumer complaint received 12/26/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed XXXX with equifax three times, they have a balance on the account of {$280.00} for my old card and {$170.00} for my husbands, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later kay jewlers put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Stearns Lending LLC took over my mortgage from XXXX in XXXX 2015. On XXXX XXXX 2015 my loan balance was {$250000.00} and aI sent a wire in the amount of {$240000.00} leaving a balance of {$15000.00} on the mortgage. Today I called the service rep at Stearns lending - expecting that my payments would be reduced significantly commensurate with the pay down. Instead the Supervisor XXXX XXXX in Custom Service said my payments would continue to be {$1700.00} per mo as they were before the PAY Down - saying further that {$1000.00} f that would be interest. These does not smell right or seems right to me. At all. 

Further she went on to demand that i pay {$300.00} for a RECALC fee - in ordere for themn to reduce the paymemnt amount. {$300.00} fee on a $ XXXX balance - which I could easily pay off today - seems ridiculous - esoecially in light of the large pay down I just made and seems userious and FEE Execessive. The interest demand of {$1000.00} can not possible be justified on teh {$15000.00} balance at 3 % interest rate. 

My intent is not to drag out this mortgage more by to pay it off within a few months as a matter of convenience. I do dnot expect to pay a {$300.00} reclalc fee and beieve this violates Federal Law and the large Interest payment demand of {$1000.00} seems usurios and excessive and wrong and ust vilate many federal Lending laws - and if they are treating me this way with the excessive feeds and interest after such a huge Pay down - they must be also doing this to many XXXX of naive consumers as well This is wrong. There should be no fee for any recaclulation and the payments should automatically be adjusted at 3 % on the balance remaining. 

I believe Stearns Lending LLC is in violation of Federal laws here and abusing COnsumer Lending practices. Stearns ending XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Credit card) with National Enterprise Systems, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.

Company response to consumer: Closed with explanation