milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: Paypal wo n't let me withdraw my money. The options they give me to " verify my account '' are all broken. I do n't see why they are able to accept my deposits, but then prevent me from withdrawing my money. 

I made withdrawals from my paypal account to my paypal prepaid card in {$300.00} batches since that was the most I could do per day. This option is clearly/encouraged by the paypal prepaid card as a valid way to fund my prepaid card, that is, direct transfer from my paypal account into my paypal prepaid account. 

All I want is to access my account to get access to my money. Paypal has been holding my {$500.00} hostage since XXXX/XXXX/15 and I am very upset about that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: American Express closed my entire relationship because the IRS did not send over my tax information in a  timely manner.     I have had personal card for many years and never was late once. I have perfect credit and have never missed a payment or had any issues whatsoever. I decided to expand my relationship and use  American Express  for my business as well. I order a new card after receiving an offer from  Amex  and added  XXXX  users as card holders.     The first day the card was received, there was a hold placed on the entire account including my personal cards and  American Express  requested some information from the IRS.     Again, the cards had never been used.. I filled out the forms  Amex s ent with no issue. The  American Express r ep told me herself that she knew the IRS was behind on processing the information. A hard close date was set and I called the IRS myself and tried to rush them. After the information was n't sent by the date that was given,  American Expre ssed closed all of my accounts with no reason given whatsoever.     I had already closed my previous relationship that i used for my business and now with   American Express doing this it has effected my business is a large way.
I want my American Express Cards   back. I would think i am the ideal client. I have perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase is Charging me interest of {$25.00} AFTER card was paid in full prior to the due date. This is a total scam and it needs to be credited!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been going back and forth with EXPERIAN in reference to some inquires that is listed on my credit report with out my consent. I have a fraud alert placed on my credit report and my phone number is suppose to be on my account for anyone to call me to verify that it was me who applied for credit. I currently have almost 30 inquires that was not authorized by me and EXPERIAN refuses to assist me in this matter. The inquires that are unauthorized are as follows : 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX ( don't even know what this is ) 5.  XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX    XX/XX/XXXX 10. XXXX XX/XX/XXXX I have called the companies and they don't see anything on file becase on these dates I have not applied for anything with these companies on these dates. Please assist me with getting these unauthorized inquires 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 10/18/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems when you are unable to pay

Complaint: I was behind on my loan payments but have brought them up to date. Kia will no longer mail me my bills said something about closing out the account. They still want payment but wo n't send me anything. 
I asked twice for a close out letter so I can refinance with another company. My first request was XX/XX/XXXX they said it would be mailed that day but could take up to 10 days. I called back on XX/XX/XXXX since I did n't receive the letter, confirmed that they had the right mailing address, they did. They told me they sent the letter that day. I asked to send another letter and that was on XX/XX/XXXX, still no letter. Everytime you call Kia you are on hold for at least 40 minutes.

Company response to consumer: Closed
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX  pulled my  XXXX  credit report twice on  XX/XX/XXXX and  XX/XX/XXXX , and my Experian credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after  XXXX   XXXX  pulled my report for these unauthorized credit applications. The company does not seem to care that the y may have been a player in helping identity thieves gain extensive kno wledge of my accounts.  <P/> I have sent a letter and made multiple call s (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and yet they continue to  1 ) list the inquiries on my report ; and 2 ) fail to provide i  nformation on the fraudulent inquiries. The former hurts my credit score and ability to receive futu re credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   remain stubbo rn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>    XXXX   XXXX   mus t remove these inquiries from my   XXXX    and Experian reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of 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 non-monetary relief
Consumer complaint received 08-05-2015 about Credit card () with DISCOVER BANK (CO).
Issue: Other

Complaint: Discover Card, after their initial provisional chargeback credit, reversed their decision in merchant 's favor. Then, upon presenting incontrovertible evidence, they re-decided in my favor. Based upon fraudulent representations and so-called policies which were never presented to cardholder and which were certainly never agreed to or even seen, Discover incorrectly re-decided against cardholder. Merchant was untimely. Merchant presented irrelevant, unilateral, and fraudulent documentation. Cardholder then presented even more overwhelming evidence against merchant, but Discover decided to be a mere merchant lapdog. XXXX XXXX ( XXXX ) charged cardholder for services not only which were not satisfactory, but cardholder maintains were fraudulently never even rendered. Discover has not followed their own Dispute Rules Manual and other dispute procedures which is posted online. Discover is not in compliance with Regulation Z of the Truth in Lending Act and/or Regulation E of the Electronic Fund Transfers Act, as applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have made several disputes for this same issue. It was resolved temporally but now the same issue is reoccurring. My Child Support payments are automatically deducted from each paycheck and yet it keeps getting reported as a missed or late payment. I have the print out from DOJ 's Child Support payment schedule showing my payments are current as of last week. Why my credit score is dropping and reflects another missed payment that is false. Equifax resolved this twice already and posted my payments as 100 % on time. now its falling back 2 months in a row to 93 %. this is inaccurate and a reoccurring issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I was notified that my current automatic payment ( matching the amount on my current statement ) has been suspended. The amount due has gone from {$1500.00} to {$12000.00}. They told me that my interest rate was supposed to have adjusted over 2 years ago according to my 2009 modification agreement. I was never notified of any changes. My loan is serviced by Ocwen Loan Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is reporting false information on my credit report and I filed a dispute with Transunion and they claim it was verified. This is totally untrue I contacted customer service for transunion and they told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. 

They are also stating the date they supposedley bought the alleged debt as the date the account was created. But according to their own records it was bought from another creditor, so the date they aquired it can not be the date the account started. I filed a dispute with XXXX as well and in that report they said the original date of deliquency is XX/XX/2010. I have attatched my credit report with XXXX after their investigation. And if both accounts came back as verified with different information, how can they possibly BOTH be accurate? 

XXXX XXXX is not my creditor.Equivalently, to be excluded as a debt collector, the debt would have to not have been in default when acquired. FDCPA 803 ( 6 ) ( F ) ( iii ). 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). 

Not being a creditor, I have no credit account with XXXX. I do not receive monthly billing statements with due dates upon which to report a delinquency in payment.This reporting my account as " Past Due '' " over 120 days late '' and showing a Monthly Delinquency after the date XXXX purchased the debt from is clearly improper. 

If I do have a contract with XXXX XXXX, please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. And also please provide the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX XXXX which defines what " verification '' actually is. 


The term " verification '' is defined in XXXX XXXX XXXX XXXX Edition : " Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' The term " verify '' is defined in XXXX XXXX XXXX XXXX Edition : " To confirm or substantiate by oath or affidavit.

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 08/16/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The initial compliant number was XXXX Pennsylvania HIGHER EDUCATION ASSISTANCE AGENCY in XXXX, PA are still attempting to collect a purported debt that is not owed at all. They stated that they are not going to do anything else and here is proof that they are XXXX LIARS. XXXX XXXX, has been satisfied with the payments that have been provided and XXXX, is not collecting so why am I being harassed Pursuant to section 806, 15USC1692d ( 1 ), and ( 2 ) by A XXXX SET OF DEBT COLLECTORS, I am nervous and upset by them attempting to GARNISH the little money that I make and I have been working with the XXXX XXXX XXXX XXXX teaching school for the past 15 years and this CORPORATION is trying to garnish my pay. I really need to be compensated for their disregard for the CEASE AND DESIST ORDER. I am filing another complaint so they will know please do not attempt to contact me again. I will also file a Court case against them if they call me a borrower one more time. I also need them to send me a check in the amount of {$10000.00} for harassment. These people XXXX do not want to work and want me to become a slave for them. I am already dealing with enough. I do not want to see anything but a check in the mail. These XXXX better obtain a job like I have and they have the nerve to want me to send my information to them concerning my banking and investment assets really. These people need to send me money for even asking about my private information. XXXX CEASE AND DESIST, CEASE AND DESIST CEASE AND DESIST. The rest of the DEBT COLLECTORS have been satisfied and here you come trying to get my signature so you can obtain money there is none so why are you trying to steal from me. STOP STOP STOP. I have the full faith and Credit of the United States and this DEBT COLLECTOR is in Commerce not I a Natural Person who has power to obtain anything for family, personal, and household use. The CROOKS ARE IN COMMERCE. ESPECIALLY XXXX XXXX XXXX XXXX I KNOW NOTHING ABOUT THESE CROOKS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Today I attempted to make mortgage payment from my checking accounts just to learn that all personal accounts and accounts I manage for couple of LLCs at Wells Fargo Bank are blocked for financial transaction. After several attempts to find out what happen I have learned that on Sunday XXXX XXXX bank has blocked all my accounts. Finally after XXXX hours lost I was able to get information that bank is investigating some transactions. Every dollar that enters and leaves my account is accounted for and trackable to source of origin. I am not conducting any illegal practices and bank does not have grounds of any source to hold my funds especially since they are declining to communicate with me. This need to be resolved ASAP as I need to feed my family and pay my bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. 


XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Payoff process

Complaint: I had a credit card account with Bank of America until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and bank of america is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their executive level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with RMB, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.

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