milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction problem

Complaint: Paypal and XXXX have a service when you purchase an item called " Pay After Delivery " service which allows an ebay buyer to purchase an item and pay for 14 days after the sale. This was offered to me on XX/XX/XXXX with an agreed payment date of XX/XX/XXXX. However, sometime between XX/XX/XXXX and XX/XX/XXXX Paypal said they discontinued this feature and my payment was presented to the bank immediately. This caused my checking account to be overdrawn by {$32.00} on XX/XX/XXXX and {$32.00} additional dollars for a re-attempt on XX/XX/XXXX. I spoke to Paypal about this three times to resolve this matter. I was advised that this feature can be removed at anytime without notice, the feature is only allowed on one checking account and I had had this on two accounts for over three years, and there is nothing they are going to do. As of this filing, XX/XX/XXXX, it appears this feature is still active on both of my accounts. I have reviewed my account to make sure this is so. Also, I currently have two other purchases using the Pay After delivery feature. I would not have made this first purchase if I had known that they were not going to honor this agreement, I would not have made this purchase. I incurred {$64.00} in fee 's that I could have avoided. Anything you can do to help, would be appreciated. Please advise others of this bait and switch tactic. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Prepaid card (General purpose card) with CITIBANK, N.A. (CT).
Issue: Fraud or scam

Complaint: I returned several items to my local Home Depot on XXXX XXXX, 2016 that I had purchased using Visa prepaid card number XXXX XXXX XXXX XXXX. Home Depot issued a credit for {$39.00} to the prepaid card. The problem is that because the card had expired in XXXX of 2016, two months before Home Depot issued the credit, there is no way at all for me to retrieve those funds. My question is, why does the expiration date not show up when a store attempts to apply a credit to an expired card? This seems like a scam for the prepaid card companies to knowingly get funds that the customer has no way at all to access.

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 monetary relief
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX has this debt to multiple agencies and some at the same time. Original account was discharged in bankruptcy. Agency claims account was not closed and remained opened when I in fact lived in another state. The debt has now been sold to 6 different agencies caused hardship and even prevented the approval of my home loan due to multiple collections listed by this same creditor. When I call XXXX directly they say they can not verify my account. They 've asked me to travel to their nearest location which is hours away to show proof of ID and when I have gone my identification does not match the account so they do not assist me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Business Name : Experian XXXX, TX XXXX Phone : XXXX Website : http : //www.experian.com Transaction date : XX/XX/XXXX On XX/XX/XXXX I set out to refinance my home loans and lower my auto and homeowner insurance premiums, which in WA State is dependent in part on creditworthiness. To that end, I ordered the XXXXCredit-Bureau Credit Reports and FICO Scores from Experian : - I discovered multiple critical errors and omissions on all reports and immediately followed each individual CRA posted policies to dispute the items. I simultaneously contacted the sources of the misreported information as well ( XXXX and XXXX ). 
- XXXX and XXXX promptly rectified their version of my credit report, well within the prescribed FCRA deadlines. 
- Experian has yet to abide by the law as of today XX/XX/XXXX : it took them well over 30 days to quit reporting a closed auto loan with XXXX as " FP - Failed To Pay '', an extremely derogatory item. 
- Experian continues to fail to report my oldest account, a XX/XX/XXXX Home Equity Line Of Credit ( HELOC ) with XXXX. This account is in excellent standing, thus failing to report it is also hurting my creditworthiness. 
- I followed Experian 's own dispute protocol, mailing them evidence via overnight, trackable USPS delivery : copy of a letter from XXXX informing me that they had asked all XXXX Credit Reporting Agencies to report this XXXX HELOC account in early XX/XX/XXXX. Again, only Experian did not comply. I also included the latest XXXX HELOC Account Statement as well as copies of XXXX and XXXX Credit Reports correctly reporting this XXXX HELOC account. 
- I wasted countless hours of billable work on the phone with multiple Experian Service Representatives in an attempt to exercise my right as a consumer to obtain favorable credit terms based on accurate credit information. 
- After a harrowing 3-month battle with that XXXX bureaucracy, I am still not in a position to apply for a home loan on the terms I am eligible for or to ask XXXX to rerun my credit check and lower my auto and homeowner insurance. I have wasted well over {$1000.00} in lost billable work and various fees to deal with that despicable entity. Worse yet, I am unable to enjoy the substantial savings a refinance deal and lower XXXX premiums would entail. 

Attached is evidence that the information provider ( XXXX ) asked Experian to report this critical account almost 90 days ago!

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted an online dispute with Equifax in XX/XX/XXXX in regards to late payments being reported on my student loans, which are currently being serviced by XXXX. My student loans have never been late and I submitted documentation showing my loans were in forbearance and/or a revised pay as you earn plan ( {$0.00} a month ). I have listed 6 of the 12 loans ( due to not wanting to confuse anyone ) which are being reported inaccurately. All 12 loans have the same issue and I can upload more documents if need be. The accounts are listed in the same order as they appear on my credit report. 1. Original Loan Amount {$3500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 2. Original Loan Amount {$2700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from (XX/XX/XXXXXXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 3. Original Loan Amount {$1700.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 4. Original Loan Amount {$1400.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 5. Original Loan Amount {$5500.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment. 6. Original Loan Amount {$5000.00} Equifax is reporting this account had late payments on the following days : XXXX, XXXX Documentation submitted showed : Account was in forbearance during this time. In forbearance from ( XXXX ) The account is in a revised pay as you earn plan with a {$0.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft. 
I have sent a copy of the ftc identity theft affadavit, social security card, drivers license, police report, proof of address and everything the credit bureaus requested to block the identity theft off my report. They have violated my fair credit reporting act and refuse to do anything unless i buy their identity theft program. 
They barely speak any english, refuse to give you a supervisor and is next to impossible to find a number for a real person and not automated without buying their services.

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 08/23/2017 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: Unable to have Experian, XXXX, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XX/XX/XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.

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 12/16/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with CITIBANK, N.A. (DC).
Issue: Problem with customer service

Complaint: Citibank appeared on my bank deposit from XXXX. and finances deposit into the account Acct # XXXX. Contact Citi Bank in person for answers and the outcome was negative also called the back office XXXX and a employee decided to pass the information to the supervisor.

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 03-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is attempting to recover an already paid for account that I originated with 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 07-06-2017 about Mortgage (FHA mortgage) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dear CFPB, I am writing to you because im trying to purchase my home, its been such a nightmare dealing with Altisource/XXXX  because they are the listing agent, escrow office and the title company.
After my offer was accepted as being financed, i received a call from my agent telling me that a representative from Altisource/XXXX  ( XXXX XXXX ) called to let her knowthat my offer will be cancel because the purchase was not Cash.
So i called back XXXX and she never answer my calls, i requested for a manager and i spoke to XXXX XXXX who told me that it is not on the best interest of the seller to sell the home to me.
So i was so confused since her response did n't make any sense. i told XXXX XXXX that my offer since day 1 was a financed offer and it was not fair that after i had paid for home inspections and a home appraisals. Altisource/XXXX decided to cancel on me because it was not on the best interest to sell me the house.
Now as of today 3 weeks later i got a call from my loan officer telling me that another mortgage company called him asking to provide a copy of my appraisal that i paid for because the property is being sold to another buyer who is purchasing the house FHA.
I believe this is not right, i feel that Altisource/XXXX is discriminating me since they are trying to cancel my offer to give it another buyer after we had a signed contract showing that my offer was accepted as financed offer.
Please help this is not right for me and my family.
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 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I am a  XXXX   XXXX  Veteran who is on a FIXED INCOME. I have  XXXX  Capital One Credit Cards and recently receive a pre-approved balance transfer notice in the mail from my  Credit Union  (  XXXX   XXXX   XXXX   XXXX   ) I a ccepted the Balance Transfer with the Hopes of cutting down on the Credit Card Interest Capital One was charging me 29.99 % interest on the cards. My credit union sent CHECKS to Capital One in the amount of {$1300.00} for  XXXX  card and {$3600.00} on the other card over a week ago and Capital One has NOT posted it yet. PLEASE, PLEASE can some  one  HELP me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was trying to see if thay can modif, my loan to make it a fixed rate with impounds. and thety sai they could not help. but they were always calling to see if I mailed my payment out and ask for my reciept numer and tracking number. and lost my home owners info. and called my threes time to get the info to them.

Company response to consumer: Closed
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CO).
Issue: Managing the loan or lease

Complaint: I have a car loan through : Gateway One Lending & FinanceXXXX XXXX XXXX TX, XXXXI believe this company has obtained information about my relatives to use to contact me illegally. I am requesting an attempt be made to find out how they were able to contact relatives to get in touch with me, when I never gave them information. This is a classic case of what the CFPB has tried to put a stop to from past episodes of badgering by lenders. This company has contacted my Grandfather who is a retired XXXX XXXX and his information is protected from the public. This is completely unacceptable for a Lender to badger relatives. I did not give their information to this company. I was out of the country while this was going on.This company said they did not have to divulge their protocol for finding out information about Borrowers. I asked to speak with a supervisor, but am not confident that I actually spoke with one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been added to a credit card account that I did not request to be added to nor did the person whose account it was request I be added to. I am now a joint owner of another persons credit card account when all I did was apply for new credit. I spoke with US Bank Manager XXXX XXXX Employee # XXXX and he said there is nothing he could do to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2015 about Debt collection (I do not know) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rauch-Milliken International, Inc. (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The collection agenc y, Rauch-Milliken International , Inc., was hired  by   XXXX   XXXX   XXXX  . In  XXXX  of  2016 I tried to r each out to  XXXX   XXXX   XXXX  many times via email and phone. I wanted to inform them I no longer wished to use their service. I ha ve zero  call back or communication from the. They auto renewed my advertisement without a verbal or written agreement from me. The collection  agency Rauch-Milliken International , Inc., is now harassi ng my office staff and sending me threatening letters.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: So I applied for a {$2600.00} loan XX/XX/2014. The 1st payment of {$170.00} came out of my Checking account and $ 294 monthly following that. I suffered insufficient funds in my Bank account for 8 months which has caused tremendous financial stress and strain to maintain other bills that come during the XXXX of each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an erroneous tax lien held against me when I was a minor up to being about XXXX years old. I have got it fixed through the IRS, ( tax lien was filled under my name erroneously ). I have the letter stating that from the IRS that I am all clear and do not owe any money to the IRS. I went to the City to also have it cleared and have all the correct forms that they needed. So I am good with the IRS and the city. Big problem that I am running into is with my credit. I submitted all forms to all three bureaus. I had no issues with XXXX XXXX and XXXX dropping the tax lien the first time I submitted the request. Equifax has been giving me issues for almost two years now. I have submitted numerous request and they have not dropped this tax lien in the there system. I have even gotten an attorney through the military with no results ( due to we cant sue ) so he told to go through this first and then if this does not work to get a civilian attorney. I have not been able to get a loan in almost two years due to this lien that is still being held against me with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are asking for a loan modification from Nationstar. The information was submitted on XX/XX/2016. Upon calling ( they do not call you ) they are constantly asking for additional information, We are on our fifth transmission of request for information. Each time we call there is something new requested. Upon asking for a midigator or underwriting they can not forward the call. And when asked why this was not requested previously all they can say a different person must of looked at the file. We are now over 30 days and they are still requesting information. It appears as if they are stalling so that this goes into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Payday loan) with High Point Asset Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is no debt. They refused to send documentation, were argumentative on the phone, presented an option to settle, and said they sent an email that i was expecting but never received. after further research I discovered that this number is fraudulent.The number is XXXX

Company response to consumer: Closed with explanation