milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Other financial service (Foreign currency exchange) with PAYPAL HOLDINGS INC. (CO).
Issue: Incorrect exchange rate

Complaint: I was purchasing services from an XXXX seller through PayPal, but the PayPal exchange rates were incorrect, making the total amount over {$40.00} more than I should 've been paying. We even called PayPal, and two of their representatives saw that the current XXXX/USD rate was 1 USD = XXXX XXXX, but PayPal was showing the rate as {$1.00} USD = XXXX. On $ XXXX, that 's a difference of {$41.00}. 

The PayPal representatives suggested we send the money directly to the person 's email, but the rate remained the same. Their other suggestion was to adjust the amount to the USD amount, but that would 've meant the seller would lose {$530.00} on the sale. 

This is not fair to buyer or seller. PayPal should have updated rates, but a XXXX search revealed their currency exchange rates are often six ( 6 ) months out of date. That should be illegal. 

In the end, there was nothing to be done but to pay the inflated PayPal rate, as we needed to pay the seller for the services required.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX my debit card would not work at the atm machine. I went inside the branch and told the teller. she did the transaction for me. later that day I found out a check had not cleared so I rush back to the atm before XXXX to deposit the money back except the card would not work. there were another deposit made in the account that was placed into pending although it was cash. The check was paid and I was charge {$35.00}. the issue is the bank was to investigate the matter in XXXX and get back with me, never a letter nor a phone call not even a message. I went to the branch yesterday to see what was going on and I got such unprofessional response from the employees and lies and they stated the bank does not send customers replies to dispute because it is a personal thing that they do so they do not, yet they tell me this employee had tried several times to call me and yet I never received a call or a voice mail, not even a e-mail from this branch. the bank manager was talking to the man employee and when he walked out I asked to speak to her, would you believe she effused to speak to me and she was sitting right there in her office looking directly in my face which she then moved her chair over to the other side so I could not see her and there were no one in her office with her. That employee that was to type up the paper work for the investigation did not know what she was doing and she said so, other people was coming in to help her and because I had been in her office a long time waiting for her my XXXX small grand children got very antsy, so now you know I am getting a little frustrated because every office person should know how to quickly get a customer request resolved, except this one did not. to wait two months for a banking resolution is ridiculous and this type of behavior should not be tolerated from no employer. all your office personnel needs to be terminated and all your bank tellers should be running the bank and then find all new tellers, because they are the ones with class and professionalism. this group at the XXXX GEORGIA NEEDS TO GET THEIR TRAINING FROM THE XXXX, GEORGIA BRANCH ON HIGHWAY XXXX BECAUSE THEY ARE THE TOP WHEN IT COMES TO CUSTOMER SERVICE AND THEIR NEEDS. MORE SO THEY ARE HONEST IN GETTING THE JOB DONE AND KEEPING A VERY GOOD REPUTATION FOR THEIR EMPLOYER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Rewards

Complaint: I have XXXX of Bank of America Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Bank of Americacredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want bank of america refund all cash or power rewards to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$82.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. They have not responded and they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

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 12-06-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: My fiancee and I closed our joint account with Santander Bank on XX/XX/XXXX, to move our assets to a new financial institution. On the XX/XX/XXXX, they told us all future banking would be stopped and the checking and savings accounts would be closed. However, on XX/XX/XXXX, the Santander bill pay system sent a check for {$39.00} to XXXX NJ. On XX/XX/XXXX, I received a notice stating that my account was delinquent and that the {$39.00} would be sent to collections.The payment should never have gone through because the account was closed. Santander Bank Customer Service has refused to assist me over the phone because they can not verify my account ( since I no longer have an account ). I tried to resolve the issue in person as the customer service representative recommended, I went to the XXXX XXXX XXXX XXXX, PA XXXX Branch ID : XXXX and they told me the only way to resolve this issue was to contact customer service.

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 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Profit Services Group (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continuously received harassing calls from a Profit Services Group ( PSG ) in regards to a gym membership with XXXX XXXX XXXX that was cancelled XXXX years ago. I have spoken with the gym, with the financial processing company and with PSG in an attempt to resolve the issue, I have been informed numerous times that the issue is resolved. XXXX XXXX XXXX and the financial processing company both acknowledge that the matter is resolved, however PSG ( the debt collection company ) is still continuously calling and harassing myself as well as family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX is reporting my social security number associated with a fraudulent alias created by a financial criminal. The fraudulent alias, " XXXX XXXX, '' is associated with social security number and keeps getting reported by XXXX XXXX XXXX XXXX to Trans Union. By doing so, XXXX XXXX XXXX XXXX is effectuating financial fraud and permitting XXXX XXXX XXXX to commit financial fraud and identity theft against me.

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 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Threading to take action against myself and contacting others on my reference list about my bill violating my privacy laws in the state of California. Threatening via email XXXX a violation of my rights in ca ... .California has laws regarding debt collecting that 's does not change as you feel it should learn the Laws in California ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have made at least three requests for modification of my mortgage with Caliber Home Loans, all of which have been denied. They have not provided sufficient reason for the denial and three appeal letters have always resulted in a denial. I am concerned about the practices of Caliber Home Loans and their possible discrimination against certain type homeowners. They appear to want to appeal to all homeowners and say that offer help for distressed mortgages etc, but they have made no effort to assist us as evidenced by all the denial of modification requests. They only have been servicing our mortgage since XX/XX/XXXX and since this time have been not been helpful in ensuring we can remain in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call at my job about a think cash loan from 2011. The person told me that the debt had been charged off. He said he had a file related to my social security number and verified my date of birth. He proceeded to tell me that I am going to be sued for defrauding a bank and charged with writing a bad check. After asking me a series of questions, he then said did I want to pay the $ XXXX on my own or take it to court. I told him I could n't discuss it with him right now because I am at work. He asked for a number I could be reached at, I did n't give him one. I took his number XXXX XXXX. He told me he worked for Cooper, Hoffman, Klein and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. I did a XXXX search and saw that the phone number given was associated with a scam. I also did a XXXX search on the address and that law firm does n't come up for that address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.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

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 07-07-2015 about Debt collection (Medical) with Consumer Adjustment Company Incorporated (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX I had a XXXX performed at XXXX XXXX Hospital. In late XX/XX/XXXX I was contacted by phone requesting payment in the amount of {$3200.00}. I had never received a bill or statement. At that time I was told there had been issues with statements not getting mailed out and that the representative would request another XXXX. Still no statement showed up. I finally received a statement dated XX/XX/XXXX for {$3.00} and paid it in full. I have received nothing since then and assumed my obligations fulfilled. On XX/XX/XXXX I was contacted by a collection company by the name of CACI to collect a balance on my account of {$530.00}. My account had been turned over to collections for an amount that I knew nothing about. No statement, no phone call, nothing for XXXX months since my procedure indicating a bill of {$530.00}. I feel as though my consumer rights have been violated. I was never educated in the fact that I owed any remaining money. I spoke with a representative from XXXX Hospitals today XX/XX/XXXX that again admitted that their system failed to send out statements, yet no resolution regarding the fact that my personal credit has been affected by a submission to a collection agency. I feel this is very wrong. I am an educated and healthy person and can not get anywhere with this entity. I feel strongly that someone should speak up on the behalf of the ill and under educated individuals who might also be affected in this situation. Thank you for your consideration in this matter. I would be more than happy to address any questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion has on account review XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, on my Account reviews and I do not or requested anything from these companies nor do I owe them anything or hold any account with them XXXX XXXX needs deleting or provide documents to the said company XXXX  via XXXX XXXX I did not request as stated by TransUnion needs to be deleted or provide proof or documented proof of me giving permission.

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 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX XXXX BAD EXPIENCE XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...

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 04/29/2015 about Debt collection (Credit card) with Global Credit & Collection Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with Diversified Recovery Bureau LLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/2018 at XXXX XXXX, my cell phone received a missed call from XXXX. The caller by the name of XXXX left a message on my voice mail stating that he was trying to contact me on behalf of a person known to me, concerning a job recommendation. The caller left a phone number of XXXX extension XXXX and stated his name was XXXX. 

I first called the person known to me and was informed they are employed and were not looking for any job recommendations. 

I then called XXXX the female that answered, stated it was Diversified Recovery and asked if I was calling about the person known to me. I informed the person to remove my phone number from their list of people to call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LendingPoint Holdings LLC (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,    2017  someone tried to obtain a loan throu gh Lendingpoint. I was no tified from  XXXX  and they began an investigation. A few hours later I received a letter from  Lendingpoint denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did Lendingpoint reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear Lendingpoint ignored the fraud alert. I called Lendingpoint and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the i nquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax did not notify me that my information was stolen from their company. Including ALL personal data putting me at a high risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.

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 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently closed my comcast account and paid all the statement balance. 
And now just realized there is a debt collection place on my credit, i have never received any bill from comcast showing that i owed them the amount the debt collectors placed on my credit.Never received any statements from comcast nor the debt collecting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Credit line increase/decrease

Complaint: In checking my credit report I noticed that my credit limit had been reduced. I was not previously notified. I contacted the company and was advised that my limit was too high and so my limit was reduced. I asked about with reducing my credit that that still keeps my limit high to appear that my card is now maxed out which would affect my credit. The rep was nasty as said that it is their money that they are loaning me and they can take it back when they get ready because it 's their money.

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 03/28/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: It says that I 've lived at XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived outside XXXX please help!!

Company response to consumer: Closed with explanation