milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2015 I received {$11.00} for XXXX for making several online purchases. 
On XXXX XXXX, I requested that PayPal transfer {$11.00} in my PayPal acct to my XXXX XXXX Checking acct. 
PayPal states that the money will be sent in XXXX5 business days. 
As of the date of this complaint, no money has been transferred into my XXXX XXXX Checking acct. 
Paypal email address is XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I requested a loan modification to Wells Fargo Bank because my husband had XXXX XXXX and needed XXXX and XXXX, so our income was going to drop. Wells Fargo Bank reviewed my case and stated that because the investor, XXXX, only allows XXXX loan modification every five years, they denied my request. I appealed this decision citing this court case ruling, " Other courts have also ruled that HAMP gives homeowners contractual rights to sue their bank when they fail to establish permanent loan modifications for eligible borrowers. See XXXX v Wells Fargo Bank , N.A . XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank N.A., XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). '' Wells Fargo Bank denied my appeal. This ruling states that that Wells Fargo Bank must approve a loan modification when I qualify for one. Please help. Thank you. 

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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am a   XXXX   XXXX   and new to credit, I was unaware the filing for credit actually hurt your credit. As I was searching for vehicles to purchase I was applying to see who could give me the best rate. Now I can not get approved for anything, apartments, school, etc. I tried to contact  XXXX  of the  XXXX  credit bureous to have the credit inquires removed, the representative I spoke to was extremely unhelpful and seemed very unknowledgable about the company polices. I am impacted greatly by this simple mistake and I feel like I am a victim.

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 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Financial Credit Services, Inc. (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: American Financial kept calling about a medical bill they are saying was sent to collection company my husband had paid it off. the company for the medical bill did not inform American Financial of account being paid off. and their rep kept calling me and advised me she would send my account to the credit bureau which they did and it caused a negative report for me. now I want this problem corrected as soon as possible. thank you for your time.

Company response to consumer: Closed
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I previously filed bankruptcy and my bankruptcy has been discharged but Roundpoint has refused to speak with me about my account. I have sent in multiple request about my billing statement, my discharge, and just trying to speak with a representative. The representative states I and my wife needs to contact my lawyer and/or trustee. I feel I have been going in circles trying to obtain a simple billing statement. My lawyer submitted a letter to Roundpoint stating I can speak on behalf of my account since it was not included within my bankruptcy. Roundpoint has received my discharge paperwork.

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 Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: Castlepayday.com is doing business in Georgia where it is illegal to provide payday loans. The interest was higher than expected. I thought it was a regular installment loan, but it is surely predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX

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 11/18/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account have been remove from my credit XXXX XXXX and XXXX its showing on my credit report XXXX with in accurate information showing charge off since XXXX then showing paid in good standing XXXX of XXXX this information is inccurate I dont receive any information from anyone bout this I ask to please remove Santander bank immediately from my XXXX  credit report they are putting false information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My XXXX account, after many years, suddenly allows one of my valid payments methods to randomly change on various online companies, i.e., XXXX, XXXX, etc. 
I have made two calls to PayPal and both were redirected to offshore agents. Both agents claim security issues, but none coukd tell me the cause. When I demanded that an investigation be opened and I requested a case number they refused. 
Furthermore, I was told I could close my account and use a different payment method, however, this does not resolve the issue. PayPal refuses to follow up and act to provide me with proof that their security actions randomly activated are, in fact, not hacks or failures of their own system.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Account opening, closing, or management

Complaint: Fraudulent action to freeze account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: I set up recurring automatic payments for a credit card and line of credit account with Wells Fargo Bank, but their system did not register this and two months later, I received a call my account was in collections for failure to pay. On the same day I set up the recurring payments with this bank, I set up recurring payments with XXXX other banks I have accounts with, and those have processed successfully.

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 10/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing ( SPS ) is a predatory lender and will not allow me to refinance my home even with excellent credit. I should be able to get a modification or refinance my present loan and move to a fixed rate mortgage. SPS does everything it can to prevent people from modification or refinancing at a lower rate. Operators answering the phone insist they are not a mortgage company yet they hold mortgages on homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.

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 06/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed information on my credit report. The results were favorable to me and were deleted from my XXXX report. Portfolio recovery associates have refused to delete the information from the remaining CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: Capitol One is unable to verify information listed on my credit file. I spoke to XXXX representatives at Capitol One and neither one was able to verify the information being reported by the XXXX CRA. On XXXX/XXXX/15 aprx XXXX. I called Capitol One at XXXX .Customer Service Rep XXXX Stated he was not able to verify any old statements or verify the date of first delinquency. On Monday XXXX/XXXX/15 a Customer service rep stated I would receive a return call from Capitol One to discuss the account the next day. I was not contacted by anyone from Captiol on

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Hello, I have filed a complaint with Wells Fargo on XXXX XXXX about my checking account.They told me they will answer me within 5 days and they never did. I have made multiple calls and none of them gave me a decent answer. What happened was that I got charged twice at the university for my tuition, so Wells Fargo refunded my money. The university for some reason gave me extra money on that matter, but I had to pay them back. On XXXX XXXX, XXXX University deposited {$410.00} in my checking account and that is the money I have to pay them back. It is included on my tuition and i have proofs. On XXXX XXXX, Wells Fargo took {$410.00} out of my checking account. I have filed a complaint and worked with a banker in town and have not solved the problem. I have reached out to the Vice-president of the Business Office of XXXX University regarding that matter. She told me she has contacted Wells Fargo and still has no answer. I am very upset with the situation and have tried everything I can. I have contacted the FDIC and they preferred me to you. 
I 'm looking forward to hearing from you. 
Sincerely, 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 11/14/2015 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: We found on our credit report and called. We talked to XXXX and she explained if we would pay she would have it removed from our credit. Once we paid we received a letter and it stated that they where paid and settled. They where not removed. We called her back and she would not honor what she had said. We told her we were going to report her and she did not care.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: InXX/XX/XXXXCHASE BANK ( located on XXXX XXXX XXXX ) in  XXXX Florida closed without any kind of warning my account. 
I have neverhad any kind of issues such as overdraft fees, I have been a cutomer in good standing for more than twenty years including Washington Mutual. 

The account was closed in simple retalitory manner by a so called " manager '' after I complained to her about customer service issue at the branch and the fact that Chase had refused in violation of federal law to investigate a 70USD transfer from my account. I had contacted Chase in XX/XX/XXXX several times via phone and e- mail to investigate the transaction. Chase refused to do so for more than 13 months. 
I talked to a manager with extreme poor command of the English language who also was unable to understand the what a Power of Attorney is, which I held for my XXXX year old father. 
Chase terminated also his account with any kind of warning or notice ( onXX/XX/XXXX ) I mailed a phony backdated notice on XX/XX/XXXX 
We found ot that the card did not work in the supermarket when trying to purchase medicine for my father. 
Chase has ignored all of my e-mails and letters to the branch, to CEO XXXX and to the manager in XXXX. 
Chase has also failed to return me XXXX ( XXXX XXXX ) as a matter of principle as interest for the month of XXXX XXXX which came due after I had to wait for 2 hours to get my money back from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX Loan # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax mishandled my credit information, which puts me and millions of other people at risk. Currently, I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: There a couple or several inquiries being report by Capital One Auto, there inquiries are not mine.They were never may by me on the dates I see my credit being pulled.Someone else must have made these or you company access my information without permissible purpose.I had just recently bought a car and was approved on by XXXX, so I would not have had or appled for a new loan or refinance on these dates neither.This is damaging my report and dropping my score as well.Also inquiries can not be disputed thru the credit bureaus I have tried, they said I need to contact each company directly about them and that the company needs to send a letter to have them removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with Financial Credit Network Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called.

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 12/21/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX and Transunion are refusing to remove the debt from XXXX XXXX XXXX off of my credit report for a apartment in the amount of XXXX. This debt does not belong to me I have a completely different address from what has been listed. I was married and shared two different homes over the course of the years in XXXX not in XXXX where this apartment is located. XXXX has removed this item off of my report because it does not belong to me, but Transunion and XXXX have yet to send supporting documentation that it is me. I have not went to court as a result of this debt which would be required for an eviction. I would like this removed promptly.

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 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AARON DELGADO AND ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I withdrew from classes at XXXX University with a documented medical emergency. The documents were sent in over-night mail to the main campus. The issue was not addressed and they did not respond to my correspondence. Instead they billed me for classes that I only attended ONE day. They sent information to the credit bureau in attempt to ruin my credit, this is what I was told. This happened in XXXX 2012

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: APR or interest rate

Complaint: I applied for a credit card at Sams Club. It goes thru Synchrony Bank, Creditor, XXXX. XXXX XXXX, XXXX FL XXXX. 

On the application it stated that the credit rate would be either 14.90 or 22.90 based on credit worthiness and other factors. I have explicitly good credit and have very little debt. I only owe on a car loan for myself and a co-sign on a car loan for my daughter. Balances for both around {$9000.00}. My home is paid for. I was given the 22.90 interest rate. I received the notice that said the credit rating was used. The credit score in XXXX with no detrimental items listed ( I have never been late on a payment ). Upon placing a call to the company, I was told that you had to have a XXXX credit score to get the 14.90 rate and had to have an ability to repay due to the 2012 Dodds Frank act. With an adjust gross income of over {$80000.00}, this indicates an ability to repay and my credit score is much well above the normal credit score. I would like to keep this card as it benefits my use in my business practices. However, I truly feel that this company has an unfair lending practice by not giving me the 14.90 rate on this card. This has never happened on any credit card that I have gotten for a personal credit card. Also, several months ago, I did get a small business credit card with my same information from a different company and the rate was 12.90. Again, this company has a fair lending issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.

Company response to consumer: Closed with explanation