milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: Speaking with paypal shows that I have NO restrictions yet, they have placed an account limitation. I am suppose to be able to transfer and withdraw money, open or close bank accounts, etc while the hold is occuring but noone at Paypal can help while the restriction is in effect. I have made repeated attempts on-line to change to my new bank account with a window opening telling me either to ; " Verify Security as paypal 's system does n't recognize me '' but after doing everything their site wo n't allowe me to continue to the next step or there 's another window that pops up saying ; " action cancelled ''. I spent forever on the phone with a rep and Supervisor today and neither could get around the " restriction '' even though they both said they would. I therefor can not add my new bank account to have the money illegally held by paypal transfered. As this is a paypal business account, paypal is now interferring with the normal course of my business. I can not get to any money held by paypal all because some XXXX ca n't read any of the documents provided by me. Paypal is preventing me from paying employees and vendors as paypal has all my money. Paypal has asked for " Proof of my Social Security Number '' which was provided to them 15 days ago. They have acknowledged this and marked it as my having perfermed the fullfillment. Yet, the other restriction is to " Confirm My Social Security Number '' which is the same as their other trequest yet I have now fulfilled this additional XXXX request with XXXX different paypal agents, including XXXX Supervisors as well as my providing paypal copies of a letter from Social Security and a copy of my actual S.S. card. For some reason, paypal 's complience dept is not releasing the hold. I am livid that they are preventing me from accessing MY funds with no basis and my having jumped through every hoop to apease them. How am I to conduct a business when I can not get to my monies? Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Medical) with Winona Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from CheckCare, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX. The correspondence and bill was sent to XXXX XXXX. This is my last name but incorrect first name. There is no one named XXXX XXXX in my family. The bill was for a returned check for a medical bill to XXXX in the amount of {$36.00} dated XX/XX/XXXX, Check number XXXX. I responded via certified mail to the letter and stated that there was no one by that name at this address and further that we had never been treated or incurred expenses by XXXX. The form stated we had 30 days to respond and to request documentation of the claim. I made this request but no data was ever provided. I received a second notice in XX/XX/XXXX and sent another certified letter informing them I was not the party responsible for this bill and to stop harassing me. I received my 3rd notice today. Please advise if you can provide assistance.

Company response to consumer: Untimely response
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with Mendelson Law Firm (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017, I received a letter from Mendelson Law Firm - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for {XXXX from XXXX XXXX XXXX XXXX ( USA ). I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''?

When I checked on XXXX XXXX XXXX XXXX website, it shows they hire a third party, XXXX XXXX XXXX, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence.

I have cc : 'd all correspondence to the XXXX XXXX XXXX in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages.

What XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Money transfer, virtual currency, or money service (International money transfer) with SUNTRUST BANKS, INC. ().
Issue: Fraud or scam

Complaint: I had intended to purchase furniture from XXXX XXXX XXXX ( XXXX ) XXXX. XXXX. XXXX with XXXX Invoice No. XXXX XXXX for USD XXXX. Of which, I had remitted 30 % Advance of USD XXXX to XXXX XXXX XXXX XXXX ( Account No - XXXX Swift Code -  XXXX ) with Balance amount of USD XXXX. And, the Material was shipped with Invoice No XXXX Dt XX/XX/XXXX. 

As a regular process, I verified the soft copies on Original Documents & was about to transfer the balance amount. By then, I received a mail from the supplier to make the Balance Amount to another Bank account. 

I made the Balance Transfer of USD XXXX to Suntrust Bank with Account No.XXXX & Swift Code XXXX ( Transaction reference no. XXXX Value Dated XX/XX/XXXX - related reference XXXX ) While confirming the receipt of balance amount, the supplier have informed us that the account on which we have transferred the amount does n't pertain to them. 

Having doubted, I personally visited the supplier in XXXX. And the supplier had confirmed that they have only one bank account ( to which I had made the Advance Payment and they do n't have any account in US ). Also they have confirmed that the new intercepted mail ID does not belong to them.

Then we found the mail we received with the bank details to transfer the balance amount was from some fraudster, This mail ID looks very much similar to my supplier mail ID. So it is now clear, that the New Mail ID & New Bank account is a fraudulent one & it is in no way belong to my actual supplier.

Then we have initiated to recall the wire transfer through our remittance bank. But the Receiving bank have confirmed through swift message " Funds are not available for RTN We close our files '' With all the above details, we have mailed SunTrust Bank Fraud Dept. For which we have n't received any communication till now

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 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Assurance Professionals LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been the victim of identity theft and as a result the following account # XXXX from XXXX XXXX XXXX was placed on my credit report. I have contacted this company and provided them with a valid copy of my identification as well as a police report and identity theft affidavit. They have failed to contact me, nor have they removed this fraudulent account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to XXXX {$190.00}. I do n't know what this charge is for I was told it was equipment and have sent pictures that I returned the equipment to XXXX and XXXX. When I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. I have spent so much time on the phone trying to locate this said account in my name and ssn. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or two later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is one reason I want this removed but I also want it removed because if I ca n't get anything and XXXX ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$190.00} but that 's not the point it 's the principle that there 's no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people century link is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Debt collection (Medical) with URS Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I applied and was accepted to the XXXX XXXX through XXXX XXXX. The letter explicitly states that " We have reduced your XXXX XXXX XXXX account and XXXX XXXX account by 100 %. '' Yet I received a letter from a collections agency in the mail this morning for an outstanding balance from them. It is completely unlawful to send an official letter stating that no further billing will occur and then send it to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: ON XXXX XXXX, 2015, NATIONSTAR DEBT COLLECTION AGENCY HIRED XXXX, XXXX, XXXX TO PLACE A FORECLOSURE INTENT NOTICE ON THE DOORSTEP, AND INTO THE MAILBOX WITHOUT SENDING THE NOTICE THROUGH UNITED STATES POSTAL VIA MAIL COMMITTED MAIL FRUAD WHICH IS A FEDERAL FELONY CHARGE PUNISHABLE BY FEDERAL LAW TO ATTEMPT TO COLLECT A DEBT NOT OWED TO NATIONSTAR WITH NO SIGNATURE CONTRACT WITH THE AGGRIEVED PARTY. THE I.R.S. WHISTLEBLOWERS OFFICE IN XXXX UTAH AND XXXX CALIFORNIA HAS BEEN NOTIFIED WITH FILING FORMS XXXX ALONG WITH XXXX, XXXX COVER SHEET PLACE ALONGSIDE A POLITICLE/PUBLIC CORRUPTION AFFIDAVIT SUPPORTING THE ALLEGATIONS AGAINST NATIONSTAR IN COLLUTION WITH AURORA LOAN SERVICES, XXXX, AND XXXX, XXXX A VIRGINIA CORPORATION. A COURT ORDER ENTERED INTO JUDGMENT CHAPTER XXXX BANKRUPTCY COURT GRANTED AND SIGNED BY JUDGE XXXX XXXX UNITED STATES BANKRUPTCY COURT JUDGE ON XXXX XXXX, 2015 DISCHARGING ALL DEBTS FOR THE AGGRIEVED DEBTOR PAID IN FULL. I WILL BE SUBMITTING OTHER COMPLAINTS FILED AGAINST THE ACCUSED PARTY THAT WERE SENT TO OTHER AGENCIES LIKE THE F.B.I ; U.S. CID, C.I.A., SECRET SERVICES, AND XXXX ... .. FOR VIOLATION OF HOBBS ACT ( ROBBERY AND EXTORTION ) ; VIOLATION OF THE SMITH ACT ( OVERTHROWING THE U.S. REPUBLIC STATE CONSTITUTION XXXX ; VIOLATION OF R.I.C.O ACT ; AND VIOLATION OF DBA PRACTICES ACTING AS DECEPTIVE DEBT COLLECTORS WITH NO INTEREST IN THE PROPERTY ; AND VIOLATION OF PUBLIC LAW 10 CHAPTER 48, STATUE 48 SECTION 112,113.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Other fee

Complaint: My dog had to undergo emergency surgery last year. To finance it, I opened up their recommended CareCredit account with Synchony bank - first year 0 % financing. I made my payments throughtout the year, realizing that I needed to do something with the remaining XXXX balance now. I pulled up account - they just added a XXXX interest charge!! I realize that this is probably in their fine print, but this is grossly taking advantage of people who can least afford it at a time when we can least afford it. I 'm good for my debts, but this is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from HILLCREST DAVIDSON I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HILLCREST DAVIDSON in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I presented a registered and recorded Negotiable Security # XXXX to 4 different local Chase branches to pay off the loan for our home. We were directed to their downtown location which is XXXX XXXX XXXX, XXXX, XXXX, TX, XXXX. Upon our arrival. XXXX XXXX who is a XXXX XXXX XXXX for Chase was assigned to help us. I told XXXX XXXX that I was there to pay off my mortgage and that I needed someone to receive and accept it for their XXXX. Upon not understanding what the legal tender was, he called Chase back office for assistance. After scanning and sending a copy of the Security to their back office, we were told that they needed 7 to  14 days to research the security. While waiting for a response from Chase, a Qualified Written Request was sent to them on XX/XX/XXXX via certified mail. They signed for it on XX/XX/XXXX. During this time period, I received calls from Chase employees at least 2 times a week requesting payment and stating that this is an attempt to collect a debt. I stated to them each time that I presented them with a payment and that a copy of it should be in their system while they are researching it. They confirmed that it shows in their system and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the Security I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan. On XX/XX/XXXX, I went to a different Chase branch located at XXXX XXXX XXXX, XXXX, TX, XXXX to see if someone could receive and accept the Security for their XXXX  XXXX XXXX for Chase is  who helped me at this branch. They followed the same process by contacting their back office for assistance and scanning a copy of it to them. First, the back office stated that they could not accept the security because it had Without Recourse attached to my name but they were going to check to make sure. After 11/2 to 2 hours of back and forth telephone conversations, they wanted to postpone the call until today ( XX/XX/XXXX ). XXXX requested that it be expedited because I was there and available that day ( XX/XX/XXXX ). Chase finally stated that they only accept payments in the form of Cashier 's checks, Bank certified check, Personal check, Attorney 's check, Money order, Wired funds, and I-branch payoff using cash ( see attached printout that I received from XXXX ). My  question to Chase is what note turned Security are they trying to enforce if a Negotiable Security is not an acceptable form of payment? Is this not the form of payment used at closing? This is specifically why the Security is addressed to their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Tried paying my entire loan off XXXX times. They reversed the transfer payment XXXX times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra {$20.00} in wiring fees which they did not refund. You will wait on hold for upwards of XXXX minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another XXXX minutes. They have managed to squeeze an extra XXXX months of interest and fees out of me all the while threatening to ruin my XXXX credit score if i do n't pay, which I have twice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To whom it may concern : I have spoken with this company, Navient, and explained to them that this is a fraudulent account and that I have never opened or applied for a private student loan. I have requested documentation to support their claim and was denied that information. They are reporting on my credit report and refuse to do whats right and remove this fraudulent account. This has caused me an immense amount of stress and has prevented me from being able to make any major purchases. Please remove this fraudulent account immediately. 

Thank you

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 EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called XXXX numerous times in reference to unauthorized inquiries I dont recognize. I recognize 2 out of the 17 I have. They have told me numerous time they will place a dispute and investigation when In fact one agent told me they is no investigation actually done. They come back and say its a factual record. Ive called a few of the creditors and they have no records of any application. However they told me Equifax must remove it. I am getting beyond frustrated because of lack of negligence Equifax has shown and no help in getting this resolved. 
Below are the inquiries I did NOT authorize. 

XXXX XXXX ( 4 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( 3 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Auto) with Recovery Partners, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called XXXX XXXX XXXX has been calling me non stop at all hours of the day and night attempting to collect on a debt from a motor vehicle accident in 2014. At the time of the accident I was XXXX years of age and insured. This company has threatened to illegally garnish my wages as well as be waiting at my house with the police to arrest me on multiple occasions. They have asked for my parents and grandparents names to attempt to collect this debt. The women who spoke to me asking for this information resorted to name calling and personal insults. This is been going on for almost 2 years now and it needs to stop! I have asked them multiple times to stop harassing me and remove my number and they just continue to do it more and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax - My personal information has been breached due to incompetent security practices at Equifax. Equifax has offered temporary credit monitoring but that is not enough. 

Equifax, and other monitoring services, hold my life in their hands - and make money at my expense. They have virtually NO accountability but carry a large responsibility. 

If something incorrect is on my report - it 's up to me to PROVE it 's not mine. This is not fair to say the least - and to then allow a breach of my personal information and not offer to protect my credit is beyond irresponsible, it 's criminal. 

My information has been leaked. I can not take it back, ever. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Payoff process

Complaint: I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading.

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