milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Other transaction problem

Complaint: A transaction through Paypal on XX/XX/XXXX for {$910.00} was debited back to my account on XX/XX/XXXX. I explained to Paypal rep that pay pals contract, which is a contract of Adhesion, states clearly that this transaction is guaranteed. Paypal uses the guarantee offer to solicit consumers to sign up as use they service, as they did with me. However, PayPal seems to DELIBERATELY ignore their own policy, breaching our contract. I have been unable to use my PayPal account for weeks and this has cost me business.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

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 11/13/2015 about Debt collection (Credit card) with Commercial Recovery Systems (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Agency Name : Commercial Recovery Systems , Inc. 
Debt is from XX/XX/XXXX? XXXX XXXX. 
Received a letter from them on XX/XX/XXXXSent a Certified Letter Requesting cease and desist calling my parents and son, also to call me directly on my mobile number. They continue to call all numbers regardless. I was threatened with court action, I requested then to be served so I can defend my self in court. They asked for my attorneys name. I did notprovide this information. Nothing they continue on. 

I am extremely worried that they may present a claim in court that I would not be aware of and get an unfair judgment against me. 

Was called today with the same story and I proceeded to request to be served at my place of work at which time the lady hung up. 
This is now getting ridiculous for a dept. I do not even remember having all my other depts. where paid in full or settled with XXXX payments several years ago.

Company response to consumer: Untimely response
Consumer complaint received 09-06-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor 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 07/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to payoff my Seterus mortgage with my savings and requested an online payoff.payoff online. After several days waiting for the quote, I called Seterus. The representative stated that payoff quotes took 7 to 10 days. Not sure why it takes the company so long as I was able to calculate the payoff in 30 seconds ... .. Very upset that I am paying {$30.00} a day in interest while I wait for Seterus to provide a payoff. Makes me wonder if the company is intentionally delaying payoff quotes to earn few XXXX dollars in extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am requesting a foreclosure postponement so the servicer can review all loss mitigation options. I have a full short sale offer pending that they have not reviewed. the servicer has not assisted me. The impending auction has become intensely stressful. I am only requesting a XXXX stay and they are denying me that option.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 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 status incorrect

Complaint: I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Confusing or missing disclosures

Complaint: The Credit Card Company is HSBC.

1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 
2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far.

3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me.

NOTE : Their Customer Service is terrible as well

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt Collection agency contacted my father on several occasions in regards to a debt they are pursuing that I no longer owe. The debt is made up entirely of penalties and fees as the principal balance was paid to the original creditor in XX/XX/XXXX, prior to being made aware that any collection agency was involved. According to the agency, the debt consists of late fees and penalties that have been accruing since XX/XX/XXXX. I have never received any prior communication from the agency, and they claim that the information was sent to an address where I have not resided in over 10 years. Contrary to their assertion that they believed this was correct address, the agency verified my identity by proffering proffering the address at which I currently reside. Additionally, the original creditor sent correspondence to me directly to my current and previous addresses. This company clearly sent communication to a known bad address in an attempt to build up interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CITIBANK, N.A. (WI).
Issue: Customer service / Customer relations

Complaint: I opened a best buy citibank credit card recently and before I received the card, I moved. I called them to change my address and even after giving them my ssn and all the information they asked for, they would n't verify my account. 

I gave them the same information that I used to open the account. They made me send a code to a number that belongs to my father to access my account. After changing my address they told me they would send out a new card. I received an email from them today about returned mail. I called them to see if it was returned from the old address or the new. They told me my account was being investigated for fraud and they could n't give me any other information, not even if interest and late fees would be accruing during this time or how long this investigation would take. 

This is unacceptable. This is my account and I have all the information that is legally required to prove my identity. I am worried they will hurt my credit as I can not access my account to make a payment. They would n't allow me to speak to a supervisor, though I asked on XXXX separate calls. Please advise.

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 04-12-2016 about Mortgage (VA mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX XXXX I lost my job due to the economic turn-down. I was unemployed for six months during this time and did not have the ability to pay my rent. During this time I applied for a mortgage modification ( please bear in mind I bought my house in XXXX of XXXX and was financed through First Horizon XXXX XXXX at an interest rate of 7 % ). In XXXX XXXX I was employed XXXX, XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX two things occurred, 1 ) I was approved for the loan modification and 2 ) I was XXXX to XXXX. By the time I returned my loan was sold to XXXX Mortgage. I just learned from XXXX XXXX Mortgage that my mortgage was reset forward to XXXX. In other words it appears that I have only had my home for six years when in fact I 've had it for 15 years. First Horizon took my money, nine years of it, approximately {$120000.00}. I want the credit for all 15 years that I 've been paying mortgage. How gives an entity almost {$120000.00} just for the XXXX of it? It is n't fair and I need some assistance with getting it. Also, this is a VA Home as I am a XXXX XXXX Veteran. 
All that you can do to help me would be greatly appreciated. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX used my info to apply for the credit card offeres based on my scores and it lowered my score I did not submit a credit for the capital one cred Cards

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid my account in full I received a letter stating it would be removed and still showing on 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 09/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: Bank of America ( BoA ) has not properly credited the insurance portion of my escrow account. 
I changed homeowner insurance carriers. 
I notified BoA ( the new carrier had already notified BoA which paid the new premium, but I do n't have documentation of that notice ) and sent a copy of my new insurer 's policy binder, I delivered to BoA the prior insurer 's refund check which I endorsed to BoA, and sent another copy of the new insurer 's policy binder and asked that my escrow account be corrected. My certified mail receipt shows this was delivered XXXX/XXXX/XXXX. 
BoA sent me a letter noticing me that insurance will be force placed unless I provide evidence of insurance. 
I sent BoA a letter including all the above and asked again that my escrow account be corrected and my monthly payment amount adjusted. 
BoA is acting as if they did not receive my new insurance binder or my check, both of which they received. 

Documentation of the above is attached.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX 2017, I sent a certified return receipt letter to Capital One Auto Finance with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX 2017. <P/>On XXXX XXXX 2017, I received a letter from the Credit Bureau Team of Capital One Auto Finance stating the have confirmed that Capital One Auto Finance is reporting correctly.
<P/>
Capital One " verified '' with out showing my signature nor providing information on who conducted the verification of the account. <P/>On XXXX XXXX, 2017, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XX/XX/2017, I received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of Capital One Auto Finance as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is sending me to collection for an account that was closed before I XXXX to XXXX. I did took my orders to the store and they told me that my account was closed ; however, they never did and now they are sending me to collections for an error that they committed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: APR or interest rate

Complaint: I signed up for a Barclay XXXX Credit card. 
The T & C 's presented during the sign up process and the T & C 's of the card I received had a significant difference : the APR on the card is 24.99 % but the advertised APR was 15.24 % or 18.24 % when you open your account, based on your credit worthiness. 

I called Barclay customer service on XXXX to have the " Bait and switch '' resolved. They said I would have to file a written complaint and provide documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The loan was discharged in bankruptcy in XX/XX/XXXX. I ocwen loan servicing obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX reported on my Credit report ( see Experian report attached ) and it does not belong to me. I requested a thorough fraud investigation by Experian and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.

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 08/28/2016 about Debt collection (I do not know) with McCalla Raymer Leibert Pierce, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with SYNCHRONY FINANCIAL (RI).
Issue: Credit card protection / Debt protection

Complaint: In XXXX of XXXX I purchased a mattress from XXXX total cost was around {$2800.00} and was offered a promotional 0 % interest credit card promotion from Synchrony Financial formerly GE Capital. I also set up automatic payments and e-bills rather than paper bills. In XXXX of XXXX my promotional offer ended and I was charged differed interest at a 29.99 % rate in the amount of about {$960.00}. In my ignorance I did not realize that my promotional rate had expired until a few days ago. I found not only was I charge the XXXX but had been charged interest a 29.99 % of the new total balance for the past 6 months. I did not understand that this was a differed interest rate or should I say I misunderstood. So overall I have now been charged a total of XXXX in interest so more than half of the original cost for the matters. I believe that these differed interest rates deals are deceiving and in some cases predatory. They were once outlawed but stores and companied lobbied for them and congress created a loop-hole in the system. I have found many more who have been duped with this deal and I want to make others aware. If you have any ideas as to how I could reverse this I 'd appreciate it.

Company response to consumer: Closed with explanation