milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with National Principal Group, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Principle Group called stating I borrowed {$300.00} online through XXXX XXXX XXXX on XXXX/XXXX/2013 and that money was deposited to my account on XXXX/XXXX/2013. Having no recollection of this, I called my bank and reviewed my bank statements. According to my bank statements, no such transaction was made. No money was received. Yet this company has my information. They are attempting to collect {$710.00} for an outstanding loan that I never borrowed. I informed the collector that I am disputing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfiled, Inc. has been trying to collect a debt since 2013 that I do not owe. They 've threaten to sue me without providing the proper documentation that I 've requested multiple times. I 've repeatedly sent letters of validation, and they failed to provide original documentation such as an original contract between me and the creditor time and time again. They removed the debt from my credit report but was re-instated and no notice was provided to me within the required time. Due to this my score has gone down dramatically. I also noticed that the " amount owed '' has increased as well which makes me doubt that this debt is even legitimate. It could be interest which I do n't even know if they are allowed to charge it?? I also believe that this could be a consequence from ID theft that occurred to me years ago. If this debt can not be validated I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The FedLoan Servicing has done nothing but pass my umber out to a debt collector without attempting to respond to any of my issues toward payment plans, etc. Up until three weeks ago I was unemployed with a XXXX loan of upwards {$800.00} a month without including the now {$300.00} for FedLoan ( which I did n't even know I had until I received a monthly email starting a few months ago ). I can not afford to pay this and instead of attempting to make any rectifications towards this matter they passed my personal unlisted cell phone number to multiple numbers and now I am solicited for payment without even understanding why they wo n't work anything out.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ) ; and before I do that I report it to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted documentation from XXXX XXXX XXXX of an error of reporting 30 days late in XXXX 2016 first week of XXXX 2016. The error is showing on my credit file for all XXXX bureaus.

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 06-12-2017 about Mortgage (Conventional home mortgage) with Eagle Home Mortgage, LLC (VA).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX  in  XXXX  Florida, entrapped us as buyers of new construction to utilize their mortgage company ( UAMC ) to finance the second home purchase in  XXXX , Florida. We were offered that they would pay our closing costs, as long we used their lender. Their lender cam back to us with a very high interest rate and inflated fees to close on the home. We obtained a  Loan Estimate from another lender with considerable lower interest rate and lower  monthly costs. When we approached  XXXX  with matching or coming close to the other lenders pricing, we were told they are unable to. We asked to include closing costs and they were unable to, we asked for them to refund our good faith money and they refused, saying that we agreed to use their lender. This is a case of steering where they steered us to use their lender and then inflated costs and added points to the loan amount in order for us to use their lender.     Cost of  Home  {$320000.00} Amount of good faith money - {$16000.00}  Interest  rate offered by UAMC/  XXXX  4.0 % with  XXXX  discount points. Monthly mortgage of $  XXXX  per month Interest rate offered by our lender 3.87 % with  XXXX  points. Monthly mortgage of $  XXXX  per month.     All of these events occurred in  XXXX    XXXX   We notified  XXXX  UAMC  to  return our good faith money on  XXXX / XXXX /  XXXX   and they refused and threatened to keep it, if we do n't move forward with the purchase of the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I closed my checking account with Santander bank USA. I had automated bill pay associated with that account. After couple of months, Santander bank sent the checks to payees where I had set up automated payments from my closed account. Those checks are bounced and vendors charged for bounced checks. When I called Santander bank, bank said this automated bill pay is outsourceed to XXXX and it is not Santander bank 's responsibility and Santander bank ca n't stop sending check even if the account is closed. When I called XXXX, XXXX said they ca n't do anything because information comes from Santander and that bank has to stop sending information. So XXXX will keep sending checks even if account is closed. Santander bank never disclosed all this information during account opening and did n't inform during account closing.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Was told I could not apply to have loans refinanced. Also told my only option for reduced payment was to make payments on interest only for a certain period of time, after which I 'd make larger payments which would have been larger than the initial payment. I was never informed of the income-based payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Deposits and withdrawals

Complaint: Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a fraudulent account on my credit report. I submitted an identity theft report to Identitytheft.com and with the XXXX police department. I was a victim of identity theft. Equifax did not investigate the matter or respond to my inquiries. They continue to report this fraudulent account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: At the end of XX/XX/XXXX , I made payment to Chrysler Capital in the amount of  XXXX  $ for  XX/XX/XXXX  XXXX   XXXX  through a supervisor. A portion was deducted for a processing fee which was greater than  XXXX   XXXX  A hold was placed on the account so that my debit card payments were denied,  XXXX   XXXX  payments were not accepted and pay by phone options were denied to me. On XX/XX/XXXX  an agent from the office of the president lifted the restriction stating that it should not have been placed on the account and another payment was made by me in the amount of  XXXX  $ via  XXXX   XXXX . On XX/XX/XXXX , my vehicle was scheduled for repossesion. My address has been changed previously without my consent, and I had to c all to have it changed back to the previous address. Telephone numbers have been added and subtracted from my account without my consent. Some of the agents are rude and abrasive, others are amazing ; ( the amazing ones are far and few between ). My biggest concern is the lack of consistency from one agent to the next. The information that I receive differs from agent to ag ent. I have been with this company for the greater portion of 3 years. I do not see where my balance has decreased much at all, but the harrassment has definitely increased. My loan should be completely paid within the next 2 years. I will not repeat business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Other bank product/service) with UMB BANK, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: We scheduled a time to open an IRA account for my wife in XXXX. A XXXX cancelled the appointment and rescheduled if for XXXX XXXX, a week later, on XXXX XXXX after XXXX, XXXX, left a message, they do not provide the services on Sat. When asked, why such a late notice, he states, he called before XXXX, time stamp shows XXXX then states, we did not keep the last appointment. He should have just apologized ; there was no excuse for us to wait a week to be told that. We are closing all our accounts this week.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Equifax Credit Bureau and the creditors and pointed out the errors that are listed on my credit report. After pointing out the errors, the items are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Lists an address in VA that I 've never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (CO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Honda Financial calls us five times per day every day seven days per week, after we have told them the payment has been mailed and we are just waiting for their processing. For example, we sent them a payment six days ago and it still is n't processed When we ask them for payment information about the status of the accounts they refuse to give that information and hang up the phone. We can talk with them and let them know when we are mailing the next payment and five minutes later they call again, with no knowledge of the previous conversation. They are impossible to work with. But all they do is inundate us with harassing phone calls day and night. We have sent complaint correspondence to Honda Financial expressing the problems but they refuse to respond and continue the above harassing phone tactics. They do n't even know which of our XXXX accts they are calling us about. In addition, they continually to send threatening msgs without regard to payments mailed to them, and other circumstances of these accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Problems caused by my funds being low

Complaint: I am XXXX of those people who opted out of overdraft protection because I did n't think we would need it with a household account and a personal account for myself. Then when I started paying bills all was well with the world then I started getting an overdraft notice because on their online site there is a button to click to use the household account or the personal. Several times now money is in the account and I click on the button but it charges me overdraft and pulls from the personal. 
This time I paid homeowners and car insurance and they hit me with XXXX ODs in my personal account and I have money in the household. Transfer the money and I am still overdrawn by {$66.00}. Is this their way of making money. I went into the branch the XXXX time, the assist manager said if I just wanted to spend money that I did n't have this would happen. I do n't spend money I do n't have because I do n't make enough money as it is. I am very careful, but this is out of hand. I am going to close both accounts and go somewhere else. I do n't believe it, that they could n't see where the money was, they just wanted the od protection fees. Keeping money in the Household acct and less in the personal, The acct numbers are only XXXX digits different

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MO).
Issue: Struggling to pay mortgage

Complaint: On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. 

XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. 

We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. 

It seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX University in XXXX NJ. I have tried to make payments. Over the past few years I have requested to lower my payment and was told I had no options and they could not help. If I knew that my payments would be so much I would never have taken them out. The financial stress is effecting all parts of my life. I am willing to make a payment but to expect someone just starting a career to payout {$600.00} a month and live on their own is not realistic. I have asked several times for different payment options for years and until I stopped paying the loan an option popped up but it will help for a few months by cutting the payment and then the monthly payment will increase higher than before! I do not feel as though students are being properly informed on what loans of this nature will cost us in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX XXXX what they asked for in exchange that it will be reported as paid in full it is being reported on transunion paid in full charge off of which is doing damage to my credit when it has a XXXX balance it is also being reported on XXXX charge off XXXX balance the same on XXXX as well credit acceptance is being reported as settled for less than balance paid repossession on transunion with a XXXX balance and on XXXX repossession XXXX balance and the same is being reported on XXXX as well

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation