milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, I had XXXX items on my eBay shopping cart in order to be purchased. The eBay system divided the purchase in XXXX sets of XXXX items each XXXX. The first set for the amount of {$450.00}. During the checkout of the first set, I chose to pay by PayPal Credit which had XXXX options, 6 months to Pay and Easy Payments Plan of {$42.00} for 12 months. When I pointed out the Easy Payments Plan I had to log in to my PayPal account in order to ask for credit approval which after about XXXX seconds was approved. The PayPal credit option was active ( not grey ) and pointed out with a big blue dot and I was able to press the button, Confirm and Pa, which I did. Then, I did the same process for the second set of XXXX items for the amount of {$880.00} which also was approved to be payed using PayPal Credit-Easy Payments Plan of {$42.00} for 24 months. 

Next day my XXXX XXXX XXXX checking account was charged for a total amount of {$460.00}, and over drafted, by which my bank charged {$140.00} fee. This charge was done for the first set of items which were charged as if I had chosen PayPal instant transfer and I did not, I chose PayPal Credit which appears on eBay files. On the other hand, XXXX items belonging to the second group transaction were paid using PayPal Credit and the XXXX others are freeze, they appears as bought but no estimate delivery available. 

I called to eBay and they said the Payment method I used was PayPal Credit and in order to clarify the situation I had to call to PayPal. So, I have called many times to PayPal Credit and first time they said that I had used instant PayPal and they gave me a letter where they say to my Bank, " the customer unintentionally used their bank account instead of PayPal Credit to fund an instant PayPal payment '' which is not true. Then they said that I had not credit and for that reason my back up account was charged. Currently, I continue receiving promotional mail about PayPal Credit Easy Payments and I still continue being approved to pay using PayPal Credit-Easy Payments Plan. Why PayPal offers false expectations? Their Computerized system is failing and the users are not responsible for that.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: We received a trial modification from XXXX Mortgage in XX/XX/XXXX. We made all XXXX payments to XXXX on time. We received a letter from XXXX stating they were transferring our loan and if we did n't get the final modification before it transferred on XX/XX/XXXX our new investor would be sending it to us. Long Story short it has been since XX/XX/XXXX since we have been dealing with Shellpoint Mortgage and to this date we have not received anything from them except for foreclosure warnings and extra fees etc. from them. When I call they tell me to just ignore the, We have continued to make all our payments to Shellpoint everymonth Since XX/XX/XXXX without any statement etc. from them. I have ALL documentation from the lender including XXXX apology letters from them about this matter. I have asked assistance from the State of CT Banking Commission and a HUD Counselor. They have advised me to file a complaint with you as well. They have written and called Shellpoint for the last several months and the matter is still not resolved. This matter is very lengthy I have all letters going back from XX/XX/XXXX from we were approved for a modification, letter dated XX/XX/XXXX from XXXX regarding the transfer of our Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Credit decision / Underwriting

Complaint: Ditech had a mortgage with me that was charged off in XX/XX/2012, they have since applied a new account number to the same account and reported a balance on the closed account using the new account number. Because of the time lapse of 4 years on the account they have submitted a derogatory mark on my credit history resulting in a severe drop in my credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mother has an XXXX. Her house was sold and her mortgage was paid off. Wells Fargo sent a refund check for an overage on her mortgage escrow account. The check was lost. We attempted to have them reissue the check, however they refuse to recognize the Power of Attorney on my mother 's account since it is over one year old. They require a POA dated within the past year, which is impossible due to my mother 's mental incapacity. In addition, by law POAs do not expire.

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 09-11-2015 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account appeared on my credit and is not mine was opened due to my identity being stolen i have listed this on an identity theft report from the ftc that has been notarized and also this unknown acct is on my police report yet this company conitinues to report and retain this account with my name fraudulently it needs to be remopved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Credit card) with ARS National Services, Inc. (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A. 
AR.S.XXXX XXXX XXXX Ca XXXX XXXX THIS COMPANYcaims to be XXXX XXXX this account is being paid by chapter XXXX trustee XX/XX/2014 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have already submitted one complaint - XX/XX/XXXX.  This is an addendum to that complaint. Since filing, the company servicing my loan ( Great Lakes Student Loans ) has capitalized all of my interest. I am unsure why as I remain in the same REPAYE program that I was in last year. I have asked that this be corrected, or at least an explanation be given to me. At first submission - end XXXX / early XXXX - I was ignored and given no response. Since then, I have received nothing other than a quick response weeks ago that it is being looked into ( occurred on XX/XX/XXXX ). I am concerned that this will cost me additional money now and in long term. I am also concerned that retaliatory action is being taken against me due to my first complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problem with the payoff process at the end of the loan

Complaint: On  XX/XX/XXXX  I had obtained a business loan from First National Bank of Pennsylvania.  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  for  XXXX . I had fallen behind in  XXXX  of  XXXX , In  XXXX  I had caught  all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Texas  XXXX . I did not find this sale out until  XXXX   XXXX   XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a  XXXX   XXXX   XXXX  from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX , A   XXXX   XXXX    serviced the loan Providing false payoffs & he did not relea se  XXXX  filing until   XXXX   XXXX   and have not returned ou  r  XXXX  truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney  XXXX   XXXX   Made false ma de damaging accusations to our new financial institution to extort us for additional funds.  XXXX  replied to our attorneys request for titles and stated first national bank had lost them and all  XXXX   XXXX   XXXX   XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early.     With respect to the titles,  XXXX  never had original vehicle titles, FNB misplaced them and all  XXXX  has is copies of the titles. There are costs associated with title replacements and as far as  XXXX  is concerned, tha t is   XXXX   XXXX   expens e if they want the paper titles.      XXXX   XXXX   XXXX ,  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Phone :  XXXX  | Fax :  XXXX   vCard | Bio |  Website

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Medical) with APEX Asset Management, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ( I a lso did not receive a notice of right to dispute. ) Apex called my cell phone asking for me. They wished for me to verify certain personal information before talking to me, which I declined to give since they did not tell me their name or company information. They said this was about " an account '' I opened ( without any details, no company, no amount ), and did I open said account? I asked what account, and they said they could not tell me until I gave them my information. I declined again, saying I was not going to give personal information to someone over the phone not knowing who they were. They said they were Apex. I said that I have no idea who that is, and declined again to give out information. They said " Then I ca n't help you '', and hung up on me. I had no idea this was a legitimate business until something showed up on my credit report. I never received anything in the mail from them. They also recently called my parents ' home where I no longer live. In this day and age, personal information needs to be protected. It is absurd that Apex calls asking for information without even stating who their company is, the caller 's name, or even what account they are referencing. Any shady person can do these things, why would a legitimate company?

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX   started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all 3 bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NE).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have used Sallie Mae for my Private student loans since XX/XX/XXXX to XX/XX/XXXX. After I received my degrees. I started to try and repay the loans, But was told by Sallie Mae that they did not have an income based repayment program. I was told that i must go into forbearance and pay XXXX dollars a month to place the loans into forbearance. When i told them that i had no means to be able to make the payments they continued to make me defer on the loans. In XX/XX/XXXX I joined the Military, and with the military all they were able to do is allow me to have loan forgiveness until XX/XX/XXXX where i will continue to have to make payments on the loans. I notified them that even with the military paychecks i will not be able to afford the monthly payments that they require. I have been having constant issues with trying to be able to work with them on how to pay off the loans. I have no other options, and saw articles about CFPB pursuing Sallie Mae about reasons that i have had to deal with. I am hoping to be able to get some answers. I have talked to multiple employees and managers at sallie mae, they have even told me to ignore the collection calls from their company and just keep paying for forbearance. The calls were so consistent that i was receiving a call from them everyday for weeks. i continued to answer and explain the situation to a new employee daily. I have also spoken to managers at Sallie Mae and they told me that i have no other option but to continue to not pay on the loans. These forbearance payments that i was making also do not go towards my loans interests. My Loans continued to gain interest even though i was paying XXXX a month for the forbearance. i have no other options and this company has continued to work with me, and make a plan that works for both of us. Also I have loans with this company for my XXXX through XXXX College.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (DE).
Issue: Taking out the loan or lease

Complaint: Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. 

And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. 

Then for conclusion, an enrollment page in myscore.com and various other online services. 

Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. 

Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. 

The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. 

Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been given the run around since I started repaying my loans. I have trouble affording them at all, but I pay just over what I have to in order to pay towards the principle balance. When I called the loan company last time, they told me that the total amount of loans I owe has actually gone up. Which either means they pulled something funny, or they increased my interested without notifying me. They also told me that I could lower my payments by doing an income based plan, but when I applied, it actually tripled my payments. They had entered all of my information inaccurately when they initially gave me the information. Also - when I first had to start paying my loans back when I got out of school, they never notified me that they were due. I was months late, which I could only imagine what that did to my credit and gave me in penalty fees. I could go on and on regarding the issues I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Vehicle loan) with NELSON AND KENNARD (CA).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work. 

XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}. 
The debt owed to XXXX according to Nelson & Kennard is XXXX. 
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I notice that someone a bunch of inquiries was made on my credit reports without my consent. I have contacted the companies, but I want to ensure those inquiries get remove from my credit report.

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 02-10-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (OH).
Issue: Taking out the loan or lease

Complaint: In XXXX I got an auto loan from J.P. Morgan Chase Bank. The contract I signed was for the Amount Financed : XXXX, payment schedule of XXXX payments of {$510.00} and XXXX final payment of {$510.00} due on XXXX/XXXX/XXXX. In XXXX XXXX, I was in the process of paying off the auto loan ; however, after contacting Chase to find out my payoff amount, this amount was different from what I had calculated so I asked Chase to send me a itemized statement listing all payments made, interest payments, and principal. First thing I noticed on the itemized statement there was a charge of {$190.00} ADDED to my original loan of {$22000.00} ( this is what my contract states I OWE and SIGNED for ) which now made my total loan for the amount of {$22000.00}. Therefore the {$190.00} ADDED to the principal of the loan, would affect the interest over the course of the loan. I contacted Chase in reference to this discrepancy and no one could tell me what this charge was for, in fact, the charge was ADDED to the PAYMENT column. ( So in reality, this should be a PAYMENT, not an ADDED charge. ) I called Chase several times, talked to several people asking if they could do an audit on my account, and I was told they do not have the manpower to do this. I took all my auto loan paperwork to an accountant, they calculated the payments, interest, etc. and showed that Chase has been PAID IN FULL and there is a CREDIT on my account for {$470.00}. ( based on beginning balance of {$22000.00} ) Based on the amount of {$22000.00} ( the amount showing on the itemized statement, adding the {$190.00} ) there is a CREDIT of {$400.00}. Chase is stating that I owe {$560.00}. Based on the information submitted, i disagree with this amount owed. In looking over the itemized that Chase sent me, Their statement showed several months where the FULL payment that I made was applied to the interest, nothing applied to the principal. I understand that interest is accrued daily, and computed on the principal of the loan. I would appreciate any help you can give me on this matter, as I have gone in person to the J.P. Morgan Chase Bank in XXXX XXXX, Michigan sat down with a representative with my paperwork, and she also could not help me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern ; I am writing you to dispute multiple items that are still reporting on my credit report. Some of which are accounts/collections and others are inquiries. Please understand that I first became aware that I was a victim of identity theft approximately one year ago. Since then, as you will see, I have filed multiple complaints ' with the CFPB to both the creditor 's I am disputing along with all three credit reporting entities ; XXXX, XXXX and now Experian. 

At this juncture, I would like to dispute the following information as unauthorized and fraudulent on my behalf ; XXXX - XXXX XXXX COLLECTION ), Acct # XXXX, amount : {$3500.00} as of XX/XX/2016 XXXX - Rental Property Solution ( INQUIRY ) - XX/XX/2016 & XX/XX/2016 XXXX - Previous address ( XXXX ) to which I have never lived : XXXX, XXXX, WA XXXX XXXX, XXXX, CA XXXX With regards to XXXX, I have been a customer of theirs for almost 9 years now and am still currently a customer. I do n't understand how it 's even possible for me to have a collection with a company all the while maintaining a current account. I have disputed this numerous times without any luck whatsoever. In fact, they have always been insanely rude to me and never seem to care about helping me to rectify this issue. I have always been and will continue to be more than willing to do whatever is deemed necessary in order to help expedite this from being removed from my file. 

Lastly, my husband and I have been in corporate housing with his employer since XX/XX/2016. I say this because there is absolutely no reason that I would be inquiring as to any type of apartment housing options. If you notice, that both of the inquiries to which I am disputing are via the same third party company that apparently someone has inquired on my behalf on different residences on opposite coasts. I have called this company several time ( XXXX ) in fact to no avail. They said it is their company policy to never remove inquiries unless I can prove it was a fraudulent inquiry to begin with. Of course, I have never been told how exactly one might be able to do that. Please dispute the aforementioned items as fraudulent on my behalf. I am requesting this as myself and in no way shape or form have been nor will be represented by a third party company. Please feel free to contact me anytime at XXXX. 

Regards, XXXX *********** Credit file # : 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 non-monetary relief