milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: I attempted to make a payment through PayPal as the public agency I was paying said they only took PayPal payments. I have a PayPal account I never use so I went to it and assumed my payment would either be directly from my checking account or from the credit card I have on file. Instead they established a credit account in my name that I DID NOT REQUEST and then proceeded to do an unauthorized hard inquiry on my credit report. I called them and they did quickly charge my credit card and cancel the line of credit they had established. My sense in talking to their agent was that PayPal clearly recognized that what they did was unauthorized, but said they could not erase the hard inquiry. They were doing exactly what the CFPB and PayPal reached an agreement that they cease doing and for which they paid an inadequate fine. They claimed I authorized the credit account as it was hidden somewhere in the agreement I made when I authorized the payment. It was completely unclear to me that that was what I was doing or that that was their intention. It is clear, however, that they set up their system so it automatically creates a credit line so when you think you are paying directly with PayPal you are in fact establishing credit with them. Your fine is obviously inadequate since it is clear that this business is profitable enough that paying the fine is just a cost of doing business and not a disincentive for dishonest activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying since the XX/XX/XXXX to get my mortgage remodified. I have been denied this request 3 times by Nationstar. The last two times I feel are erroneous and I just submitted a 4th request. 
I have XXXX income, I eliminated by debt by filing Chapter XXXX bankruptcy, I totaled my car and have no real bills to pay and by doing so I reduced my monthly expenses by over {$1000.00} a month and yet Nationstar claims I still do n't qualify. I went thru XXXX and they ran the numbers and they said I was eligible. How can I still not qualify for anything after eliminating a huge amount of debt? And I keep getting the same exact denial reasons which ca n't be true because my monthly debt has been significantly reduced?! I am confused. Nationstar wants to continue denying my request so they can foreclose on my home and take it. They are not trying to work with me and their continuous denials of my request for mortgage assistance is a veiled attempt at stealing my home. Please have someone look into this. This has got to be against the law. I work very hard and am dong the best I can but how can I compete with a greedy mortgage company who is giving me the run around so they can steal my home?! Help! If you ca n't help then tell me who can because I am in dire need of assistance. Please do n't let them take my home!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with First Data Corporation (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX two ATM withdrawals took place in another state in the amount of {$200.00} and {$160.00}. My card was in my possession. I was also charged six ATM withdrawal fees in the amount of {$2.00}. Two of them were declined fees. I called the XXXX on the back of my ATM/XXXX  card on XX/XX/XXXX at XXXX in the XXXX. My card was cancelled and I was credited the ATM withdrawal fees. I was given steps by the customer service agent to write a dispute letter with my personal information, debit/XXXX  number with the two transactions in questions and fax at ( XXXX ) XXXX. Once they receive the fax someone from the fraud department will call me, and they will also credit the unauthorized funds. I was also given the intructions to call periodically. Since then I have submitted 2nd dispute letter. I have a called every single day, multiple times with no resolution or concerned. Today XX/XX/XXXX I called twice and the first call the customer service agent hung up and the 2nd agent could n't hear me and disconnected the call. XXXX XXXX/XXXX XXXX XXXX is who I have had an account for the past six hears. Please advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation, I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance, I would, but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please, someone help.

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (MI).
Issue: Loan servicing, payments, escrow account

Complaint: When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2013 I spoke with a colection agency regarding a {$150.00} amount debt that was owed to XXXX. I scheduled a payment and it was processed and paid that same month. Now, 4 years later I am receiving calls regarding this same debt. We informed the agency twice on the phone that we have already paid the debt in question. We have now received a letter informing us that a lack of information renders them unable to complete the investigation of the issue and that we need to provide them with proof of our pervious payment. I do not believe the burden is on us to provide this information and have asked several times for them to cease communication regarding this paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 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 is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

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 04-11-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from American Express 's debt collection agency, XXXX XXXX XXXX, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe XXXX XXXX XXXX deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 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: Information belongs to someone else

Complaint: In XX/XX/XXXX of this year XX/XX/XXXX while out of town on a business trip our home was burglarized. Upon making the initial report and turning the matter over to our insurance company we noticed upon being notified by our bank that our personal information may have been compromised. 
Over the next several months we were informed that since XX/XX/XXXX numerous accounts had been opened or attempted to be opened utilizing my personal information. Upon receiving all this information I immediately contacted law enforcement along with the FTC. 
Based on the initial findings a police investigation was initiated and their findings clearly outlined several accounts were opened with stolen personal information. 
At the end of the month XX/XX/XXXX upon the completion of the investigation I was given both a finalized police report along with a signed affidavit of forgery from the FTC. I sent the information Via certified mail the XXXX XXXX XXXX in which they received the information and packet on XX/XX/XXXX. On XX/XX/XXXX I made contact with Experian via telephone XXXX number only to be told they have yet to make a determination. Despite all the overwhelming evidence the identity theft has caused they have yet to block the fraudulent information. The other reaming credit bureaus have already initiated and implemented the freeze and block of my personal information.

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 06-03-2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I requested payment relief, and it was granted to me. Terms were that I would pay {$50.00} per month for the next 3 months, and then resume regular monthly payments. I have paid the XXXX each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Closing on a mortgage

Complaint: To Stop collecting PMI 1. I purchased a house in XX/XX/XXXX with 10 % down payment. 
2. The appraisal value was $ XXXX and the selling price was {$150000.00} 3. The Original Amortization Schedule shows as soon as the property reaches 78 % LTV or on XX/XX/XXXX the PMI of {$77.00} should be automaticall terminated as per Home Owner 's Protection Act. 
4. Nationstar mortgage now Mr. Cooper says that it will terminate automatically my PMI on XX/XX/XXXX. 
5. Honble ' Court has given a ruling in similar case of PMI removal that original terms and conditions of the purchase stands good even in case the loan being modified. No appraisal or BPO is required to remove PMI under Automatic Termination Clause. 
6. Now, when I approached Mr. Cooper they say that in XX/XX/XXXX only they will remove the PMI though my 78 % of the LTV reached in XX/XX/XXXX and currently at 70.07 % LTV. 
7. Mr. Cooper and before that Nationstar mortgage can only remove the PMI after reaching 78 % automatically and can not re-calculate the PMI and keep charging me {$22.00} a month. 
8. I dont know under which provision in Home Owner 's Protection Act they can re-calculate after 10 years and charge me {$22.00} PMI every month 9. Nationstar Mortgage should have stopped collecting PMI of {$77.00} as soon as my loan reached under 78 % which is XX/XX/XXXX or atleast should have stopped collecting PMI as per original amortization schedule which is XX/XX/XXXX. 
10. In their wesite they say that my equity on the loan is $ XXXX and sending solicitations that I can refinance and take cash equity out and they can do re-finance without appraisal also.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Payroll card) with Automatic Data Processing, Inc. (WA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint: XX/XX/XXXX   ADP ( www.adp.com ) reissued my  FSA  card. I activated it and used it in   XX/XX/XXXX   and again   XX/XX/XXXX .  XX/XX/XXXX   I went to pay a  XXXX  bill on Friday   XX/XX/XXXX   and it was declined. I called ADP and they said the card was never activated. I told them f or one i activated the card, for two  i used the card twice afterwards. They said oops we dont know what happened. So i told them i need this card reactivated. They said they could not. They had to reissue me a new card. Afterwards i remembered i needed my card now because i was traveling thos week and called back. The  2nd   CSR w as a complete waste of time. While on hold 30 MINUTES called to get a different CSR. She tried to escalate but because of the other  two w asting time and handling poorly closed fir Friday. Called  1st th ing monday morning spoke to escalation person, he said because the  1st CSR put it in as a stolen card that he could not do an ything with the card i have in my possession. I am not sure what kind of hinky, unproffesional, shenanigans are going on in ADP but falsely inputting my card as stolen and shrugging it off which the escalation person did is completely wrong. I am a  XXXX  veteran and i have monies taken out of my check to cover medical expenses. For a company to say oh well not our problem and tell me to take my personal bank monies out to cover THEIR BLATANT MALPRACTICE and NEGLIGENCE, and their answer is for me to pay out of pocket and then file a claim that takes weeks to process. They should NOT be allowed to continue. Who else has this happened to and continues..   CSRS AND escalation codes  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Student loan (Federal student loan servicing) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: HESAA IS REPORTING LATES ON MY CREDIT BUREAU WHICH THEY HAD PREVIOUSLY REMOVED. I WOULD LIKE ALL/ANY LATE REPORTINGS REMOVED FROM MY CREDIT BUREAUS. IT WAS PUT ON DEFERRMENT AND IS REPORTING LATE EVEN THOUGH THE PAYMENTS WERE MADE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted KOHLS regarding their negative reporting on my credit reports. This account was paid off and I was told it would be removed from my credit reports and it never was. When I reached out to KOHLS they sent me a letter saying they do not have this agreement on file because the " retention period has passed ''. They also claim to not be able to find my information in their systems without me providing them with the account number which I no longer know. This is unfair to me as a consumer and I would like for them to hold up their end of the deal that was made years ago. This account shows that is has a zero balance but it still shows up as a charge off/collection on my reports, that has a negative impact on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: For quite sometime I keep getting abusive and harassing phone calls from Portfolio Recovery, on both my business and my cell phone. These phone calls are multiple times daily. I have asked them to stop phone communication and use the USPS mail to contact me, however they refuse to do so. I have no idea what exactly it is they are trying to collect. This is interrupting my business and my personal life. When I do answer them they use threatening and abusive language and basically do not let me get a word in to tell them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: problems have never been handled right tired of being treated as anything other than the victim. i opened a business account in XXXX told no fees waiver for 6 months of course the fee was billled every month which meant i was lied toor that red tape won over. all you get from this bank is a reminder of the greedy rules with no accountability of what i endured in terms of my time and other getting feed. when i was not supposed to. now i have an overfradt since i transferred money out to avoid it getting taken when bank keeps applying fee even tho there is supposed to be a waiver. 
its truly uinbeleivable. 
you can cut the greed with a knife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation