milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (HI).
Issue: Account opening, closing, or management

Complaint: I have received XXXX emailed bills from " PayPal Credit '' 'Pay me later '. I never signed up for any account with " PayPal Credit. '' On XXXX XXXX, 2015 they emailed a bill for what may heve been a legitimate charge from my regular PayPal account, but they were unable to tell me what the charge was for or who made the charge. Today I received another bill for {$24.00} for " late charges '' on this account which was closed and paid in full on XXXX XXXX. I called them to inform them that I never applied for an account, did not want XXXX, and closed all activity on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Mortgage) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX years old when we moved to XXXX with my parents. We had to leave the complex because the house cought really bad mold and they never did anything about it. Then they put my parents debt into my credit report when I had nothing to do with the rental agreement since I was a XXXX at that time attending XXXX and they put that debt I my credit report. Now I have a daughter and a family and I need to rent and no one wants to take me because of something that was n't my fault to start with. I called them and they do n't want to do anything about it. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Well on XXXX XXXX this client that had my services for 3 months decided to do a chargeback of the amount of {$60.00} after those {$60.00} were returned back to my account it was taken out again and my account back to negative but now with an extra {$20.00} on it so now im - {$80.00} on my account, after numerous calls to paypal regarding this case i was told is still being reviewed and it might take up 75 days, but no one told me that if the case is still being reviewed i had to pay the balance or i was going be sent to collection, no one gave a warning regarding that balance they just kept saying is still under investigation, and it will be taken care of by paypal. Its been almost 3 1/2 months since this case been opened and since paypal sent proof to the bank institution, So now i want paypal to fix this issue and get my credit score fixed because now paypal has ruined my credit score, If paypal is unwilling to take action against this case ill get a hold of my attorney and have them take action against Paypal Inc. If paypal can also do me a favor and close my account once they fixed this issue because for what just happened im staying far away from paypal as possible thats for sure. Once paypal has resolved my account and fixed my credit score i want my Paypal account closed asap. I Wont be doing bossiness or getting near paypal ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Trouble during payment process

Complaint: I received an escrow analysis from Roundpoint in XX/XX/XXXX for my XX/XX/XXXX property taxes. I reviewed the analysis to find that city/ village tax was miscalculated. I sent additional information ( i.e., actual tax bills for XX/XX/XXXX ) to Roundpoint showing the actual payments for my city/ village tax was incorrectly calculated on or around XX/XX/XXXX. For almost a month they told me that they were investigating the issue and that a new analysis would be run. A new analysis was run without taking into consideration the information I had sent to them. I followed up again the last week of XX/XX/XXXX to be told that they were still investigating the issue, but that it would be resolved by XX/XX/XXXX. XX/XX/XXXX, passed and the issue was not resolved. I called the first week of XX/XX/XXXX to speak with customer service again. They told me they couldn't fix the issue without a new tax bill. I called the local tax collector and explained the situation. She explained to me that the new tax bills would not be printed until the first week in XX/XX/XXXX, but would send me detailed information in an email to forward to Roundpoint. She sent me that information and that same day I forwarded that information to Roundpoint. Her email explicitly stated that if Roundpoint had questions she should be contacted directly. They never contacted her. I followed up again today XX/XX/XXXX, to be greeted by a rude customer service representative who had no clue how to resolve the issue and refused to assist me further. Roundpoint has overestimated my city/village tax by 50x what they actually will be for the year. The tax bill for the year is estimated to be {$100.00} per year. They are actually calculating it to be {$5700.00} for the year. They refuse to resolve the issue and as a consequence, my monthly payment will go from {$2300.00} to {$3100.00}, which increases my monthly payment {$870.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had applied for an income driven plan and was placed into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX I sent CMRR ( XXXX ) for debt validation to XXXX XXXX, as I had no idea what this debt was on my Experian report. XXXX XXXX never responded. I disputed with Experian numerous times between XXXX and XXXX. XXXX XXXX XXXX I sent Experian a Certified letter, again, requesting explanation of this debt they 'verified ' ( Certified XXXX ) Experian always comes back as verified. I even called and spoke to a customer service rep for Experian and he was going to look into it. 2 days later, the debt is verified again. I 've written to Experian asking them to show me how they verified, and this has not happened. What is happening is that they are clearing in violation of the FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Paid In Full, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have never heard of this company, nor have I had any communication with this company. Last I heard was, I was up to date with my XXXX account. I havent done business with them in years. And now I have this collection from another company on my credit report. I want this off my credit report. This is ridiculous. I know nothing about this account nor why it is reporting.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX , Tx I leased a car in  XXXX   2014 . Payments are {$570.00} per month. I have mad e 32 payments all on time. The balance of payments on the 60 month lease adds up to 28. My credit report has a balance of {$30000.00}. If you multiply 28 X   {$570.00} you get {$15000.00}. I believe  XXXX  is committing fraud to make their books look better. My name is  XXXX   XXXX   XXXX  Lease #  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 04/17/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I hand it a {$9000.00} in cash to a teller at my bank without a deposit slip. She took the cash and run it through the machine, I did not have a visual to the counter and she moved to the side with cash in her hand talking to the teller next to her for a minute or so, then she came back typed in her computer and hand it a receipt to me with only {$8000.00} in it, I told her that I had brought {$9000.00} and I want her to recount the cash, she told me that she has put the money into the recycler and she ca n't opened the safe so I asked for the manager, she told me the manager wo n't able to opened it either. So I told her that I 'm going to check my record at home and I will be back so I did, came back and I asked for the manager. He also told me that he ca n't open the vault until the closing but he will call me next morning at XXXX. I had to call him after XXXX. He told me that the cash in the vault was balance and there was no overage so I asked for an investigation. The only things the bank did is run an audit but never investigated the incident. I wants for the bank to investigate to the full extant of what happened including visual video footage and also documents of that day cash reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I have officially disputed the fraud several times. Please remove the fraudulent information immediately from my file. 

Account : Chase Acct # XXXX- The entire balance is due to fraud charges. I spoke with Chase Fraud department and went line by line and paid what we agreed was not fraud charges. they removed the charges and told me I was not liable for the remaining charges. 

The account has once again shown up on my credit report after a year. 

Once the fraudulent information has been removed, please send me a copy of my corrected credit report. If you have any questions I can be reached at ( XXXX ) XXXX. I look forward to hearing fro you soon. 

I tried to upload pdf of police report but was unable to file being over 10mb. I have uploaded page 3 of report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I checked my credit score, I noticed that Portfolio recovery had made a derogatory remark against me. I filed a complaint and emailed them asking for a detailed summary of what I owed and what it was for. I never received a detailed statement, and I also started receiving missed phone calls at XXXX and XXXX from the company. This is unprofessional and I am very upset that my credit score which was rapidly Improving, keeps getting hit by an account that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (MO).
Issue: Problems when you are unable to pay

Complaint: I have fallen behind in my payments to Americash loans due to pay shortages. I have faithfully made payments until recently when the ultra high payments have been too much to handle ( approx. {$380.00} every 2 weeks total of $ XXXX monthly ). 

They have been calling my workplace from XXXX and demanding call backs. I will attach photos of my phone for your viewing. This has caused me much embarrassment with my staff, and has disclosed the fact that I am behind on my payments and being collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: TransUnion is reporting erroneous information on our credit report from XXXX XXXX after an investigation. It is reporting a late payment in XXXX XXXX and that in incorrect.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my Credit Karma account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
Citibank XXXX XXXX from XXXX XXXX, XXXX - XXXX Loans XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.

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 09/25/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is no information of this account on my credit report other than the fact its a negative account in the amount of {$44.00} which is impossible because I have full coverage health insurance and have paid all my co-pays in office. This was deleted off XXXX for this reason after their investigation but Equifax has ignored my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a problem with ; CHASE My mortgage account with them is XXXX XXXX My XXXX 2017 mortgage payment was due XXXX 2017. The terms of the note allow 15 days from the due date to make a payment without penalty. 
On XXXX, 2017 at XXXX local time from Hawaii, I went online to my account with Chase and made the required mortgage payment. The payment was made within the allotted grace period time. 

They charged a late charge anyhow. 

I asked them to remove the late charge. 

1 ) They sent a letter to me refusing to remove the late charge 2 ) They sent a letter to me that assigned a dedicated relationship manager to the account with a " direct contact '' phone number. The letter is a lie. No direct contact number is provided. Only a general phone number in which I am forced to listen to a voice menu of five minutes in length. Despite repeated attempts to reach the " dedicated '' relationship manager I have remained unsuccessful. 

I want ; 1 ) A written apology 2 ) A reversal of the late charge 3 ) Reimbursement for the loss of my time 4 ) An investigation into the practice of assigning nonexistent relationship managers and the deliberate lying practice of assigning a " direct phone number '' when no such number is provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly. 

After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015. 

Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015. 

After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report. 

The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Creditor : XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to Equifax , XXXX, and XXXX. I have disputed it and Equifax will not provide me any assistance because they say it was verified as accurate. The issue is that I had a credit card and a car loan. Georgia power is duplicating each account to be spiteful because I threatened to sue them. They are reporting the duplicates with different open dates and account numbers. I only have XXXX auto loan and XXXX credit card. In XXXX case, thy use my member # whereas in the other case they use the account number.

Company response to consumer: Closed with explanation