milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (AZ).
Issue: Making/receiving payments, sending money

Complaint: I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 
Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX XXXX {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Managing, opening, or closing account

Complaint: On XXXX I purchased a US Bank issued XXXX gift card of {$500.00}. It failed to activate. I was instructed by the representative that I would have to fax in a copy of my receipt. XXXX An aside, fax is 15 years outdated. I do not own a fax machine, nor do I have access to XXXX. I had to settle on using an online service, which is less secure than me emailing it over my https XXXX account. ) I faxed this information in on the same day, XXXX. Today, XXXX I called fully expecting my activation to be complete after 2 business days. The rep told me it could day 10-15 business days! That 's up to 3 weeks! And I have no assurance that my paperwork was even received on their end to be processed, nor do they have a method of contacting me back that it has been activated. 
Their system needs a complete overhaul. It is n't sufficient to meet consumer expectations nor needs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My property taxes dropped in XXXX due to being XXXX due to a military service XXXX in Florida. As such my property taxes are no longer paid, what I now pay is {$700.00} annually ( Paid in XXXX 2015 ) for my XXXX XXXX XXXX assessment. My homeowners insurance is {$1000.00} ( Paid in XXXX 2015 ). Nationstar Mortgage is collecting XXXX monthly to cover the escrow. I have {$2800.00} in escrow, even though all insurance and taxes have been paid for 2015. Nationstar has refused to adjust the escrow account, nor refund the excess, as required by law. Please advice! Nationstar was notified in XXXX 2015 of the property taxes changes ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, our mortgage company Shellpoint, allowed us to defer two months of mortgage payments due to hurricane Irma. Once  deferment was established, Shellpoint sent us a letter explaining that we would need to manually mail in our next two mortgage payments that were due inXX/XX/XXXXandXX/XX/XXXX. In XX/XX/XXXX, we mailed in a check to pay our mortgage payment, as they requested. However, Shellpoint also drew our mortgage payment from our bank account at XXXX XXXX XXXX, using automatic payment system, the  payment system they said they could n't use and requested us to mail check in instead. I called Shellpoint on or about XXXX XXXX to advise them that they erroneously drew our payment from our bank after we mailed a check to pay our mortgage payment. In that call, which is recorded by Shellpoint, their employee/representative, suggested that they ca n't mail us back or credit the duplicated payment, but would NOT bill us in XXXX XXXX. I asked representative to confirm this and that the duplicated payment would n't just be applied to principle balance. Representative assured me that duplicate payment would be applied to XXXX XXXX bill. on XXXX XXXX, XXXX, Shellpoint drew automatically on our bank account, after advising they would n't. I called Shellpoint to advise and they said they ca n't do anything to help me and if they were to credit me back, it would take 10 business days. Unfortunately, this will cause our bank balance to fall well below the bills we have already set to pay, causing over 10 NSF charges to hit our  account. When I requested to speak with someone at Shellpoint/ manager or supervisor, they sent me to someone 's voice mail. This company has illegally drawn money from our bank account on two occasions now. in XXXX XXXX and in XXXX XXXX. Leaving our family in a critical financial bind and will cause more costs to our family for overdrawn funds. Shellpoint is negligent in their actions and the advice they give their account holders. Also, they do nothing to remedy issues they themselves have caused. I want to register my complaint on Shellpoint mortgage for illegally drawing funds from my account and I want to hold them personally responsible for any and all overdraft charges they will cause or affect on our personal bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Medical debt) with HOVG, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My account was sent to collections and reported with the three major credit bureaus. The problem is I never received any kind of bill from this company. When I called the XXXX XXXX XXXX XXXX for more information I was given the run around. This bill is for ambulance service. I identified myself with my Social Security number and date of birth. I asked after many calls back and forth with them and my insurance co. for them to let me speak to a supervisor. I was put on hold the 5 times I requested a supervisor for more then ten minutes. It was not until my insurance co called them that I was able to speak with a supervisor after more time on hold. The problem I was told by my insurance was that they were billing the wrong medical group and my bill was going out to the old address. I called them again to ask why they did n't have the current address on file and I was told by a ( rep. ). that it was my obligation to keep them informed. How can one? No one really know when one is going to need an ambulance. My daughter called XXXX we have no way of knowing the name or whom is being sent out. I am very upset and frustrated with them since my requests for information and asking to be connected to a supervisor was ignored. I feel that they should have checked with XXXX XXXX since my license and ins. card was provided at time of service with current information. I want this collection account removed from the three major credit bureaus. It was not until my insurance called them and I called back and asked for a supervisor was I able to speak to one. I spoke with XXXX the supervisor and he stated that my account is not in collection that Bay Area Credit Service was used just to locate me. They really do n't know what they are doing over there. When I assured him that this account was surely in collections and I wanted it removed from the three credit bureaus. I do n't want it marked as paid in full I want it completely removed since it was their error. He said he would have that done but they do n't know what their doing over there. Very unprofessional. I called Bay Area Credit Services and it 's still in collections even after I explained the situation to them. Please help me resolve this problem. Thank you. I just want to add that I was not contacted by the credit service or the creditor since they did n't have the correct address on file. I only found out about this collection account after checking my credit file and I disputed the charges because I did n't recognize the account as being mine. I had no knowledge of it at all since I pay my bills in a timely manner. Now my credit is being ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Consumer Loan (Title loan) with Eagle Financial Services, Inc. (IN).
Issue: Charged fees or interest I didn't expect

Complaint: American eagle finance in XXXX Indiana first and foremost charges to much interest plus the Manager came to my job XXXX this Co is out of hand I want them shut down I want a class action suit brought agents them They keep calling my job I 'm done please do something look on XXXX about them now they are sueing me plus finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: Traded an online friend for a game and he never held up his side of the bargain and took my money. Essentially scammed 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 05/24/2017 about Debt collection (Private student loan debt) with Eastern Revenue, Inc (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017 I received written notification of balance owing for the amount of XXXX. Payment to be received on or before XXXX XXXX 2017. I was unable to attend my XXXX XXXX due to Holiday on XXXX XXXX of XXXX XXXX. On XXXX XXXX, my XXXX XXXX closed at XXXX XXXX. On XXXX XXXX, 2017, I was informed that there were additional fees associated with the private loan as this loan accumulates at 4.5 %. On XXXX XXXX 2017, I sent out a payment in the amount of XXXX to be received on or before XXXX XXXX  2017 through overnight delivery with XXXX. I also informed company that I will only be paying the amount owing stemming from the written notification received on XXXX XXXX 2017. New statement received indicates balance owing to be XXXX. I have contacted company and have left a message with Manager handling my collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (LA).
Issue: Trouble during payment process

Complaint: I brought a mobile home fro m 21st Mo rtgage  in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane  XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name   d (   XXXX   ) no  last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Capital one bank lied to me. I have filed a dispute against a charged on my credit card from XXXX XXXX hotel. My room in the hotel had bugs in the bed, bathroom, floor and walls. The owner of the hotel does not want to give a full refund. He refunded me % 50, but I would like a full refund. No one will pay to stay with bugs in the bed ( literally ). I have videos and pictures of this incident. I let capital one bank know about my situation and I got a letter from capital one bank on XX/XX/XXXX asking for additional documents in order for my dispute to be accepted. In the letter, capital one bank stated that if I do n't get these additional documents to them by XX/XX/XXXX then my dispute will be closed. First of all, there is not enough time ( from XX/XX/XXXX until XX/XX/XXXX ) for me to get all the documents. Second of all, one document requires a third-party 's opinion about my incident. I have already contacted the third party ( another hotel ) and they have told me that they are not able to provide me with the kind of documentation because it 's against their policy so capital one bank is asking me for a document that it 's not possible for me to get. I called capital one bank and talked to an associate. The associate lied to me and told me that capital one bank does not have the final decision on the dispute, but the final decision comes from XXXX. I called XXXX and they have told me that they do n't make any decisions and it should be the bank. I called capital one bank and I asked an associate to extend the deadline, which is XX/XX/XXXX. She lied to me again and said that it 's in the system and she can not change it. I asked to speak to supervisor -- after waiting 20 minutes on the phone ( literally ) -- the supervisor answers my call and finally agrees to change the deadline to XX/XX/XXXX. The supervisor also lied to me and said that they need to submit the required documents to XXXX and that XXXX has the final decision. I called XXXX a second time and they told me again that XXXX doe not give any final decisions on disputes. I need someone with enough power and justice to make capital one bank agreed to my dispute because the real hustler here, it 's the owner of the hotel. I asked capital one bank associates if they would pay to sleep with bugs in the bed- all of them say NOOOOO, then why do n't they want to accept my dispute. I HAVE ENOUGH PROOF. please help me with this case, I am extremely upset that a bank with all its power is trying to manipulate my situation in order for me to pay for something that should n't be.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (WI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. 

After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do.
The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX.
In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence.
I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges.
I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''.
I have put in another Fraud claim with Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with Neighborhood Assistance Corporation of America ("NACA") (MA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home loan with NACA located in XXXX Ma. I was approved for a mortgage for 90 days and wanted put an offer on a house. My mortgage rep left XXXX XXXX, and I could not get another appointment until after my 90 was up on XXXX/XXXX/XXXX. I was called right before XXXX/XXXX/XXXX and told my new consultant left and my appointment was moved to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the secretary tried to bump me from my XXXX/XXXX/XXXX appointment for another customer. I told the secretary I would be there XXXX/XXXX/XXXX @ XXXX. I went the appointment XXXX and met the office manager XXXX XXXX in the XXXX office. I was told my file was reopened. I submitted all of the paperwork for the loan on XXXX/XXXX/XXXX, my credit was rerun and my membership due paid again. I was told the process would be easy because I had been approved prior. I was also told I would heard back in 7-10 business day with the amount I was approved for. I have not hear back as of today XXXX/XXXX/XXXX. I called the XXXX office, the XXXX office, and customer service with no follow up by mail, email, or by phone on the company 's as to the status of my loan approved amount until last week. I was told my file was never reopened even after the 2 hour appointment with the office manager. I have all of the submitted paperwork. I keep emailing and no one is assisting me. This process not only caused me to loose the house I really wanted, but more importantly, the interest increased one full percentage point, that will cost me hundreds of dollars over a 30 year mortgage loan. I need your assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with PAYPAL HOLDINGS INC. (AZ).
Issue: Advertising and marketing

Complaint: I made a purchase through XXXX and used paypal as the financing source since they were offering a special promotional offer, that required a specific dollar amount to secure the special financing offer. In order to meet the requirements there were a few items from different sellers. However upon looking on my checking account this morning, Paypal transfered XXXX of the sellers invoices to a " back-up '' funding source. Thus disqualifying me from the promotional offer and then erroneously debiting my checking account, without my permission. This is a gross display of negligence and bait and switch. They never ever notified me that they would be utilizing the back-up source or that the order would no longer qualify for the promotional offer. I attempted to call Paypal and they told me there was nothing they could do as it was already in process, thus leaving me without the funds in my checking account and subject to potential overdraft fee. What I would like to happen is what I told them on the phone. Reverse the charge to my debit card and place all the transactions under the 12 months promotion like I had agree'ed to at time of purchaser, or them eat the {$100.00} charge and credit my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Submitted disputes to all XXXX credit bureaus ( Experian, XXXX and XXXX ) acknowledging there is a derogatory account from 2007 that does not belong to me and to investigate with the credit card company, XXXX XXXX XXXX, that they have no evidence claiming my ownership in their records. All XXXX disputes have returned unchanged. 

Also, Filed a XXXX complaint against XXXX XXXX XXXX, submitting the account is not mine and XXXX XXXX XXXX needs to remove account from reports because I do not acknowledge this account as mine

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