milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Home was purchased XXXX XXXX, 2015 at which time the subject of flood insurance was broached and we were informed that XXXX Form XXXX, determined XXXX/XXXX/15 at XXXX CDT by XXXX FloodCert # XXXX for life of loan was completed and no additional flood insurance was required. Later, lender notified us that flood insurance was required which made me then began to question how this was possible. No real answrrs were ever received from lender nor our current hazard insurance company. I could not under stand how at the closing no flood insurance was required for life of the loan then all of a sudden, it was. It was further confused by the lender assuming responsibility for first full payment of new flood insurance in the amount of {$480.00} when it was clearly paid for by us. The confusion did not end there because then we begin to received 2 monthly mortageg statements each with different amounts. I have finally had enough with this lender 's system of accounting and desire a direct end to it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I sold a phone on XXXX for {$140.00} on XX/XX/XXXX at XXXX XXXX. The buyer paid via PayPal. PayPal in return placed a hold on my account for {$190.00}, which put my account negative {$45.00} overdrawn. 

I called PayPal and spoke to XXXX on XX/XX/XXXX at XXXX XXXX and he said his supervisor XXXX said they will only release {$15.00} now and then release the rest in 21 days. I told them that was ridiculous and that I was going to cancel the transaction then. 

Now that I canceled the transaction. The buyer on XXXX has not received a refund because PayPal is saying that they ca n't return the payment if your account is in negative. Remind you my account is not negative, prior to this deposit I had a balance of + {$0.00}. After the buyer paid me {$140.00} PayPal took enough money out in holds to bring my balance down to - {$45.00}. And now I can not return the buyer his money, nor give him his phone. So this makes my business look bad because of PayPal. This is clearly a scam by PayPal to hold people money so they can make money off of the interest in their bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Debt collection (Credit card debt) with Ad Astra Recovery Services Inc (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As astra leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I took out a private loan with   XXXX   XXXX   /  Navient  in  XXXX , it totaled to {$3900.00}. I attempted to arrange a payment arrangement with them, as I have a federal loan that now totals  XXXX . They would not work with me unless I paid them the money they requested, I remember trying to make a {$50.00} payment because that was all I had and they would n't accept it. I could not make large payments to them and pay for my federal loans. It ultimately went into collections.     It appeared that I would have better luck with them, although they told me the amount was around {$6300.00}, which was far more then the initial amount. They asked for a lump sum amount to bring it current. I was willing to do that at the time, I made  two  payments of {$500.00} (  XX/XX/XXXX    and  XX/XX/XXXX    ). Which I thought brought the balance down to {$5300.00}. I have been making payments towards this debt since   XXXX  . In total I have paid {$1800.00} towards this debt  (  {$1900.00} on   XX/XX/XXXX   its automatic withdraw ).     I have been trying to improve my  credit score , so I recently ran my  credit score  and saw that the debt was not as low as I thought it was. When I realized this I contacted the agency, only to find the debt had been given to another company. I was never notified or contacted about the changes and they are claiming I owe {$6000.00}. They told me I needed to contact Navient about the debt being on my credit report and the amount that the loan was. I called  Navient  and they told me that I need to contact the  credit collections  agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I FOUND A CHARGE ON MY AMERICAN EXPRESS FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. I NEVER NOTICE THE CHARGE BECAUSE I JUST PAY MY MONTHLY PAYMENTS, BUT I HAD SOME OTHER ISSUES WITH FRAUD ON ANOTHER CARD SO I WAS TOLD TO GO OVER ALL MY CREDIT CARD STATMENTS TO MAKE SURE THIS DIDNT HAPPEN ON ANY OTHER CARDS. I DID JUST AS I WAS TOLD AND FOUND THIS CHARGE FROM XXXX/XXXX/XXXX FOR XXXX WHICH I NEVER DID BUSINESS WITH THIS COMPANY AND I HAVE NO IDEA WHO THEY ARE. I DID RESEARCH ONLINE AND FOUND THAT THEY ARE A SCAM COMPANY AND IT WAS ALL OVER THE INTERNET. WHEN I CALLED AMERICAN EXPRESS I LET THEM KNOW THAT AND THEY TOLD ME THAT THEY COULDNT HELP ME BECAUSE IT WAS SO OLD. THEY ALSO LOOKED UP THE SCAM COMPANY AND SAW WHAT I SAW AND THEY STILL SAID THEY COULDNT HELP ME. THIS IS VERY UPSETTING BECAUSE THEY TOOK MONEY FROM MY ACCOUNT AND AMERICAN EXPRESS IS NOT BACKING ME AS THERE CLIENT. PLEASE HELP ME IN THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This private entity known as transunion is knowingly reporting fraudulent accounts in my report they are breaking federal Law. They have a police report along with a affidavit stating the fraudulent activities. The address in which the accounts are posting from does not exist so I know they are n't investigated these fraudulent accounts they need to remove them at once or I will put them in commerce by billing them XXXX a day until they remove fraudulent accounts not to mention I am prepared to seek litigation in which I am entitled to

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 09-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 XXXX d ), the XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Federal student loan servicing) with Fedloan Help (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was told that Fedloan Help would consolidate my student loans and that I 'd begin paying the loans through them. The way I understood it, they were now my loan holder and I 'd send them, through auto pay, {$82.00} per month based on limited income ; Income based repayment. Frst payment XX/XX/XXXX. Each month a withdraw occured on or near the XXXX of each month starting XX/XX/XXXX, every month for 13 months Fedloan Help withdrew {$82.00} until XX/XX/XXXX = {$1000.00}. I had no reason to question if my loans were being paid until XX/XX/XXXX when I received a note from XXXX XXXX telling me I 'd missed two payments. I called and said they 'd withdrawn {$82.00} that month. XXXX XXXX informed me that Fedloan Help was not the same outfit. Fedloan Help, I was told, filed paperwork. The reason that had not heard from my real loan holder ( XXXX XXXX ) was that my loans were in forbearance  accumulating interest.

Company response to consumer: Untimely response
Consumer complaint received 10/31/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: Good morning. 
I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?

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 08-03-2017 about Debt collection (Payday loan debt) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Tower Loans called my old job and left a message on another person 's work phone for me even when CFPB cautioned them to desist.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: Paypal banned me for life because they say I violated their Terms of Service. I added money to my account using their XXXX cards and spent it using my Paypal Debit card. They previously gave me a " warning '' against getting cash back at the grocery store so I avoided doing that. In the end, buying a pizza and clothes for my kids got me a lifetime ban from Paypal. I explained that I 'm feeding and clothing my kids but their phone agent could n't care less. She had a sarcastic tone and I could hear her rolling her eyes ... .. 
When they point to an opaque wall of text XXXX to justify hurting my family over nothing it makes me angry. If they 're trying to fight money laundering or whatever they 're doing a lousy job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.

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 06-12-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost credit personal data in data compromise attacks. 
XXXX XXXX - contacted Equifax and placed credit freeze. 
XXXX XXXX - logged ticket with CFPB to document.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : 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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had accounts with Kay and Jared jewelers that were included in a bankruptcy in XX/XX/XXXX. Both creditors filed claims and received some payment. The bankruptcy was later voluntarily dismissed. I received a call from a " courier '' working for the " state '' from a number with no caller ID several weeks ago. The courier needed me to be at home or work at " XXXX with pictured ID to serve legal documents. '' I was referenced to a phone number in NY. When I called this number I was connected to " XXXX '' who told me my account had already been " sent by the lawyers to my state and county '' and I needed to immediately pay the balance of the collection account ( bought from Kay and Jared ) to cease " legal papers. '' In a panic, I paid XXXX and made arrangements to pay the entire balance ( over XXXX ) in 72 hours from my checking account. I was told I would need to sign a document forwarded to me via email to authorize this payment. I received the document, but DID NOT SIGN it as I am unsure as to the application of payments that were made through the trustee. To my surprise, the collection agency ( XXXX or XXXX ) withdrew over XXXX from my checking account without the signed consent. They money was promptly returned to the account by the agency after a fraud report was filed with our bank. 

Several days later, " XXXX '' from the collection agency called my husband directly and went through the details of the Jared account. My husband was never an authorized party on this account. It was NOT joint and XXXX had no authorization to discuss my account with anyone else. This is a violation of my privacy. Again, there was a " representative of the state '' who refused to identify themselves who had " legal papers to serve at my home or place of employment at XXXX. '' After these incredible unscrupulous ( if not illegal ) collection actions, I was shocked today to discover XXXX XXXX XXXX had listed these XXXX accounts on my credit report. Both show a date opened of XXXX XXXX with a first reporting of XXXX XXXX. Both of these listings make an old pre-bankruptcy account from XX/XX/XXXX look current. When I called XXXX XXXX XXXX I was told that these accounts belong to them, but were " out sourced '' to XXXX. When I stated the experience with XXXX, a very rude individual stated that XXXX was not the same as the agency that deducted money without authorization or discussed details of my account with someone other than myself. The customer service representative kept saying " if that is true tell me their phone number. '' I am not sure why there are so many different names involved with this account. ( XXXX XXXX, XXXX, XXXX XXXX ). I am also certain that these collection tactics can not be legal

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been battling for over a year to get Equifax to accurately report my accounts. I have contacted the creditors to verify that they are sending the correct information every month and they all verified that they are. This is only happening on my Equifax credit report, both my XXXX and XXXX credit reports have the updated information every month, Equifax does not nor will not cooperate with me to resolve the issue. Calling into their customer service has only resulted in positive trade lines being deleted and XXXX up my credit report even more. I have called into Equifax numerous times to no avail, I have filed XXXX XXXX complaints to know avail. I though that not maintaining accurate credit information was against the law, I was trying to get this cleared up before buying a house but now I will not be able to move forward with my plan. This has been extremely time consuming and frustrating and I am almost at my wits end. If these things are not remedied, then I will be forced to discuses these issues with my mother, XXXX XXXX XXXX, a shareholder at XXXX XXXX XXXX XXXX 's XXXX XXXX, to see if there is any legal actions I can take to resolve this issue, as Equifax seems unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I was in a car accident on XX/XX/XXXX and that totaled my car. My insurance company sent the bulk of the payoff of the loan, {$19000.00} to be exact and that was posted on XX/XX/XXXX, reversed and then reposted on XX/XX/XXXX. Since that date, Honda Financial has still reported my loan as late and owing 46+ payments. Then on XX/XX/XXXX another {$1200.00} was posted towards the payoff from the Warranty Refund applied to the car, and still, Honda Financial is  report this loan late. the last item needed to payoff my car was for the GAP Claim to be paid. I checked on my account almost daily to see when this would be paid off. The payoff on my account the beginning of the week for XX/XX/XXXX stated my payoff was about {$2500.00}, the GAP claim paid {$2400.00} on XX/XX/XXXX. As of XX/XX/XXXX, my account still states 43 payments remaining and past due. I have called several times into their customer service center. The initial person I get is just part of like a Customer Service Center they have stated on 2 separate occasions. The 1st incident where I asked to escalate and speak to a supervisor, I was told that they don't have direct phone numbers that they could give out and that I would just have to leave a message and they would escalate and have them call me. I never received a return call. Again I called on XX/XX/XXXX at XXXX est and this time got a lady named XXXX who told me the same thing, but this time transferred me to the voicemail of someone named XXXX and I have still not received a call back. They have had an automated number call my cell numerous times stating my account is past due, but whenever I call back to speak with a live person, there doesn't seem to be anyone that will return my call. The payments that were received on this loan from my insurance companies have been mishandled and misapplied and I have tried for almost 3 months now with Honda to get this corrected. I have also disputed this with the credit bureau as well.

Company response to consumer: Closed with explanation