milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Other transaction issues

Complaint: On Wednesday XXXX XXXX, 2016 I completed a transaction with PayPal to send {$950.00} to my landlord to cover monthly rent and utilities. Within minutes ( less than 5 ) the transaction was cancelled by the receiving party. I went into my paypal account it did in fact show cancelled. Intuitively since it was done in such a short period of time, it reflected cancelled, and there were no further instructions offered by the paypal site I concluded this had been resolved and paid my landlord via a more desirable payment method. The following day on Thursday XXXX XXXX, 2016 I received notification from my financial institution that my account had been overdrawn. I went and looked at the transactions and paypal continued to charge my account. I immediately contacted paypal to dispute this transaction and was advised that " regardless of you or the receiving party choosing to cancel, paypal will still debt the account and transfer the funds to your paypal account. '' Nowhere did it explain this was the process nor did anything in my account indicate or lead me to do further research as cancelled was stamped on the transaction in red. Paypal refused to provide any customer support and advised I would have to wait 3 to 5 business days before the funds would reflect in my paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Advertising and marketing

Complaint: I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: IN XXXX OF XXXX SPSERVING RESPONDED TO YOU WITH AN ADMISSION OF GUILT THAT THEY WERE NOT APPLYING MY PAYMENTS TO MY MORTGAGE AND WOULD HAVE A CORRECT STATEMENT OUT TO ME AND THAT I WAS ONLY DUE FOR THE XXXX XXXX XXXX PAYMENT. IN THE MEAN TIME I STILL DO NOT HAVE A CORRECT MORTGAGE STATEMENT, THERE ARE XXXX DIFFERENT MORTGAGE PAYMENTS AND THEY ARE STILL CLAIMING THAT I AM STILL DUE FOR THE XXXX XXXX PAYMENT. THERE IS ALSO AN OVERAGE PAYMENT OF XXXX THAT THEY ARE NOT APPLYING TO MY ACCOUNT. THE STATEMENT WILL BE ATTACHED. THEY ALSO VIOLATED THE PRIVACY POLICY ACT AND SENT ALL OF MY PERSONAL INFORMATION TO ANOTHER BORROWER. THAT WILL ALSO BE ATTACHED. MY ATTORNEY HAS SENT THEM LETTERS REGARDING THIS BECAUSE THEY SENT ME A CHECK TO PAY FOR XXXX, BUT UNFORTUNATELY THE AMOUNT THEY SENT DOES NOT EVEN COVER THE BASIC COST OF THIS PRODUCT. I AM SIMPLY NOT ACCEPTING THIS. IF I SENT A BORROWER 'S INFORMATION TO ANOTHER BORROWER, I WOULD BE FIRED ON THE SPOT AS THAT IS A TRUE VIOLATION OF PRIVACY POLICY ACT. I WAS A LOAN PROCESSOR SO I KNOW HOW SERIOUS THIS VIOLATION IS. I AM OFF WORK DUE TO AN INJURY AND NOW ON XXXX MEDICATION BECAUSE OF THIS ONGOING PROBLEM WITH MY MORTGAGE COMPANY AND I NEED TO SEE XXXX EVERY MONTH AS WELL. IN XXXX OF XXXX I SENT YOU PROOF OF ALL OF MY PAYMENTS AND MY ATTORNEY HAS THEM AS WELL. AT THIS POINT, I AM EXTREMELY DISGUSTED WITH THEIR SERVICING OF MY MORTGAGE. THEY SENT ME AN OVERPAYMENT CHECK FROM MY ESCROW ACCOUNT, SO HOW COULD I POSSIBLY BE MISSING A PAYMENT FROM A YEAR AGO???? I REALLY NEED SOME HELP HERE WITH THIS ONGOING PROBLEM. AS OF LAST WEEK, THEY ARE STILL ASKING ME TO SEND THEM PROOF OF MY XXXX PAYMENT FOR XXXX. THIS WAS DONE IN XXXX OF XXXX. I AM LOSING TRACK NOW OF HOW MANY TIMES I HAVE HAD TO DO THIS AND IS VERY DISTURBING TO 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 12/29/2016 about Mortgage (FHA mortgage) with Selene Finance LP (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Seline Financial was requesting increasing escrow funds due to increased taxes, and insurance, they were asking for a full escrow funds to be double as it was last year in order to maintain the same amount of our monthly payment. XXXX sent them the escrow funds but they still increase the monthly payment from {$1600.00} to {$1700.00}. They put the escrow funds we sent in to a suspense account, do n't know the reason for and on top of that they asking for flood insurance which we already paid for in full until XX/XX/2017. 
I called them several times, always excuses that they will review the account and call me back, as of today they have not contacted me. My XX/XX/XXXX payment is due XX/XX/XXXX and still showing the new increase amount. 
Attached is the escrow paid funds, new requested payments, and an statement on this account. 
Thank you for helping me. 
HF.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX i deposited checks for my aunt because her id was ex she just came out of a homeless shelter in XXXX ny the XXXX XXXX paid a years rent the checks are made payable to her old landlord and her the landlord renigged on her place and left her and her XXXX children in the cold streets she was able to get a new place the bank released tge first three checks of XXXX they have been holding the other XXXX for the past tgree weeks human resource administration cleared the money for her but the bank refuses to let tge funds go this is federal money homeless act we gave the bank everything they asked for and still refuse to let the money go in order for XXXX XXXX case in ny to be closed she needs the money to pay her new landlord and send proof to hra in XXXX  please help us

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Trouble during payment process

Complaint: RE : NEW COMPLAINT IMPROPER SERVICING OF MORTGAGE LOAN ENDING IN -XXXX To Whom it May Concern : Complaint Information : A complaint was filed on XXX with the CFBP. XXXX XXXX XXXX provided a letter dated XX/XX/XXXX to the complaint which contained false statements and inaccurate information ( See attached ). Capital One responded indicating that no payments were made on my account during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and a payment was received on XX/XX/XXXX in the amount of {$3300.00}. No lump sum payment in the amount was ever sent to XXXX XXXX XXXX on XX/XX/XXXX. 

This information is false and inaccurate. While I was in a Chapter XXXX bankruptcy, I was responsible for making all payments directly myself. The mortgage payments were not made through the trustee/bankruptcy court. Attached, you will find evidence/proof from our XXXX XXXX XXXX checking account statements provided by XXXX XXXX XXXX showing ALL the above referenced payments were made during the months they were due. I have placed an * next to the payments in question. 

Since filing the original complaint with the CFPB in XX/XX/XXXX, I have attempted to contact XXXX XXXX, Office of the President, Financial Services on the phone numbers provided in the attached letters several times. This individual does not answer the phone and has not returned any of the messages I have left.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: PNC Bank has manipulated our deposits and debits in order to charge us overdraft fees. We had a deposit that had not been credited to our account before the debits and it has caused our account to be overdrawn. If the overdraft fees were not added then we would not be overdrawn. The timing of the fees, the credits, and the debits is extremely shady and causing us more financial issues and it is creating a problem with our finances.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an Item from the City of XXXX utility bill which states after the investigation that it is still vailid an has a date of XX/XX/XXXX which I vacted this property in XX/XX/XXXX and it was sold in XX/XX/XXXX yet 3 years later they say this bill was delinquent. I am sure I paid this bill but can not find my reciept but it is definitely older than 7 years old and I feel this is because of my XXXX name that XXXX is refusing to release this debt. this is why Im making a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a debt with Springleaf Financial Services XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. XXXX XXXX XXXX, XXXX, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XXXX or XXXX XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, Wells Fargo student loan, loan # XXXX. The loan came out of deferment in XXXX, 2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted Wells Fargo to update my address and set auto pay to ensure timely payments. 
As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested Wells Fargo retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay. 

Wells Fargo refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and Wells Fargo should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately. 

Thank you very much for your assistance with this matter. 

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 02/27/2018 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (AL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I paid a {$1000.00} loan taken out with Big Picture Loans on XX/XX/XXXX in full on XX/XX/XXXX for the amount of {$1400.00} ( attached ) On XX/XX/XXXX, I logged onto the website https : //my.bigpictureloans.com/loan-status to make sure the debt was satisfied and it stated I owed an additional {$94.00}. I called Big Picture Loans to find out why the account had a balance and was told it was additional fees and interest. I paid Big Picture Loans {$94.00} on XX/XX/XXXX as an amount to have the loan paid in full again. However, Big Picture Loans continued to take payments out of my personal checking account. Since the loan was paid off and documentation from Big Picture Loans was provided stating that the loan was paid off on XX/XX/XXXX ( attached ) they have continued to charge me fraudulent charges for the following amounts on the following dates XX/XX/XXXX for {$250.00} which caused a overdraft fee of {$29.00}. I called Big Picture Loans on XX/XX/XXXX and asked why they drafted {$250.00} out of my account on XX/XX/XXXX when the account was paid in full on XX/XX/XXXX. They proceeded to tell me I owed additional fees and interest of {$380.00}. I then proceeded to call my bank to have my checking account closed so Big Picture Loans could no longer take money, at will, My bank, XXXX, informed me that I could close the account but each time Big Picture Loans tried to draft additional money out of my account that it would cause the account to be re-opened which would cost me additional NSF fees. In yet another effort to stop Big Picture Loans from fraudulently charging additional fees and interest that I did n't owe them and also to stop Big Picture Loans harassment, I used my wifes debit card to pay these so called additional fees and interest of {$380.00} ( copy attached ) on XX/XX/XXXX.. Another fraudulent payment of {$250.00} was drafted on XX/XX/XXXX! In the last attachment # 5 it clearly states I have paid {$1200.00} to principal which is more than the loan was originated for and {$890.00} in interest. These two amounts added together is only {$2100.00} when the amount that Big Picture Loans has taken from me is {$2400.00} or possibly more. I think this kind of accounting practices clearly proves this company is breaking the law by not stating all income correctly and in committing fraud against their customers. I would like to sue them when it is determined they are conducting business illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I paid equifax XXXX to unfreeze my account permanently. Last week I applied for a mortgage and found out it is still frozen. When I called I could barely understand the woman. but I Think she said I temporarily did it twice ( after saying there was no record ). I never did this. all I want is for it to be unfrozen like I asked them to do. not try to get another XXXX dollars out of me and ask for some code no one gave to me. I do not know what to do. THank you for your help and time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Delinquent account

Complaint: XXXX Consumer Services continually calls me about a credit card from OLD NAVY and lately about XXXX Bank. 
I do not have an Old Navy credit card, I don not shop there, I do not bank at XXXX Bank. 
I 've told several different representatives who call that I am not the person they are looking for. My address is different, my birthday is different my SS # is different but they continue to call and harass.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with BTH Management (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a a unverified account from PLAZA SERVICES #  XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin  g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A  n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 07-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my house, the mortgage was paid on XXXX XXXX, 2015, the mortgage company, Wells Fargo Home Mortgage, is holding my escrow refund for two weeks and also insists that they ca n't deposit the funds to the account from which they withdraw them but must mail them. Although I have rented a mailbox from the XXXX, I will be leaving the area and will not be here when the check arrives, It is impossible to rent a mailbox at my intended destination - you ca n't get XXXX unless you show up in person. It looks like I will have to wait until I get to my eventual destination and pay to have my mail forwarded, perhaps the check will show up, perhaps not. 
I think WFHM is doing this to extend the time that they have the money, doing so at my expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, I se nt four  payments for {$1000.00} each to Navient for repayment of student loans. They cashed all four checks between  XXXX  and  XXXX . They have all been cleared from my account. However, they only applied  2 payments to my account. I have called approximately 30 tim es attempting to have my money either applied or returned. After approx.  15 phone calls they refunded my one ch eck ( after about 3 month s ) an d have not returned the other check. I have called multiple times and they always say its " being processed '' well it has been several more months and no check. I have spent at  least 45 min utes - one hour every time I have had to call. I uploaded all of my bank statements onto their website proving they cashed all  4  checks. They always insist the check is on the way etc.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I applied for a Chase credit card and was denied based on past bankruptcy information stored on their database. I filed bankruptcy in XXXX. I was advised by the Chase representative that my social security number was " flagged '' as bankruptcy on Chase accou ts. Chase Bank acquired accounts from Washington Mutual ( WAMU ) during a XX/XX/XXXXacquisition. I had a credit card serviced by WAMU, which I included in my XXXX Chapter XXXX bankruptcy. Subsequently, I was granted an approved discharge of debtor letter by the courts. My WAMU account was picked up by Chase upon acquisition, but after my BK discharge ( XXXX ). Chase converted my WAMU card into a Chase Slate credit card without my approval or consent so upon filing BK in XXXX on my WAMU card, Chase placed XXXX accounts onto their database ( # XXXX & # XXXX ) with account dates from XXXX & XXXX. These accounts should have never been picked up by Chase based on the fact that they are legally beyond the bankruptcy statute for consideration and the account was discharged prior to acquisiton by Chase, JPMorgan. I spoke with a representative to remove XXXX archived accounts without resolve. My attorney is deceased, but the Federal Records Center can verify bankruptcy discharge and list of creditors, which included my WAMU account

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. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am another victim of the Equifax security breach. Due to their inadequate security measures, myself and millions of others were placed at unnecessary risk. Additionally, I was not notified of the breach by Equifax and had to do my own research to determine whether I was affected. Now, in order to keep myself safe, I will have to pay them to freeze my credit profile and then pay them again any time I want it temporarily unfrozen. Finally, Equifax attempted to surreptitiously trick myself and all other affected consumers into waiving their rights to a lawsuit by planting an arbitration clause in the terms of service of the identity protection they offered in the wake of this breach.

Company response to consumer: Closed with explanation