milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I believe Paypal has illegally seized {$9800.00} from an illegal debt collection attempt ( debt 10 years old and not under my account ). These potentially illegal policies undertaken by Paypal effect many Americans who have been very vocal but as of yet not heard. I appeal to you to please investigate Paypal. I have included my story below. 

On XXXX/XXXX/XXXX Paypal limited my account so I could no longer remove my balance until I contacted them. When I called they informed me that I owed a balance of {$1300.00} and they were freezing my account and my wife 's account until it was payed. This {$1300.00} dollar debt was not part of either of our accounts and was not our debt however they " hard linked '' our accounts to this defaulted account and held over {$13000.00} to cover a {$1300.00} debt that was not ours to begin with. To add insult to injury this debt is from XXXX XXXX, well outside of any statute of limitations date in America. I feel this debt collection attempt was illegal. 

I called Paypal to inform them of this illegal debt collection attempt and I was finally put in touch with an individual named XXXX who was 4 supervisors up in the call chain. He assured me the problem was fixed and the debt was cleared off our accounts. He spoke of white listing the defaulted account. 

On XXXX I attempted to move funds from Paypal to my personal bank. It was blocked. Paypal stated they wanted more information. They asked for my drivers license and a copy of my invoices. I complied. Within the hour my account was shut and my money seized and I 'm now being told I must wait for 6 months to receive my funds XXXX if there is any truth to that ). 

I 'm being harassed for an illegal debt collection that is not mine and now Paypal has seized my cash balance of {$9800.00}. Paypal has seized {$9800.00} to collect on a 10 year old debt for {$1300.00}. 

Thanks for you time and help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan ( and servicing ) was sold to a company called PHH Mortgage back in XXXX. I have been trying for a couple of months to contact them to setup direct debit for my monthly mortgage payments. I can not contact anyone who seems to be in the XXXX but instead I get routed to a call center in the XXXX. I have not been receiving paper statements by mail to confirm what my payment is. I have made two one-time payments through their online system but I have reason to suspect they are applying the entire payment towards my balance and nothing is being applied toward interest or escrow. But because I can not contact anyone through their numerous customer service phone numbers, I can not confirm what is going on. As a side note, I have done a search of online reviews for this company and was astonished to find that hundreds of others seem to be having the same ( and other ) problems with this company. It seems to me that they are exercising horrible ( and even illegal ) business practices and something needs to be done to protect me and others as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up for a " free '' credit report via the XXXXXXXXXXXX. 
which cost {$1.00}. Then about a week later I noticed {$39.00} had been withdrawn from my checking account without my permission or notification. I called the number which showed on my bank account. XXXX to try to get the charges reversed. I was told there was nothing I could do about it. I was given another number to call XXXX = Experian called numerous times no answer. There was noinformation on the form I completed for the report that indicated I had to become a member within a certain amount of time. Apparently they used my debitdata to take the liberty to enroll me without my permission. I 'm asking for my {$39.00} to be refunded. I 'm on a fixed income ca n't afford nor do I need a credit reportmembership. 
XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Billing disputes

Complaint: After I legally parked my car and paid the fee, my car was booted prior to expiration of time. I was threatened and forced to pay for boot removal. Did not accept or consent but signed under duress. They acknowledged I was right but still demanded payment. They also altered the credit card receipt by scratching out time and writing in a later time that made me appear delinquent. Chase dispute team put me through hoops and wasted lots of my time. I faxed the documents and a narrative. They considered the charge valid and contended that I agreed to service rendered ( removal of boot ) though receipt says " no service rendered ''. They did not care that the documents were altered. This company clearly goes along with fraudulent conduct by companies scamming their clients. No recourse for me except leave Chase which I have. Terrible treatment designed to " make you go away '' through transferring calls, disconnecting calls, failure to return calls, placing you on hold indefinitely, ignoring documents sent to them at my expense. Never did they intend to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with Alliance Data Card Services (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX at XXXX hrs EST, I received a voicemail from a " XXXX '' from a XXXX XXXX telling me that I needed to return the call by XXXX hrs EST ( the deadline time was before the call was made ) threatening legal action and to have my attorney call them. They left no specific details or what they wanted or who I potentially owed money to. 

The number came in as restricted but left a call back number of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Allied Collection Services is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted Allied and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

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 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt collection that I do not owe and do not understand why this is my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: I have used paypal for many years. In the past years they have introduced a paypal credit concept. It never bothered me since it was assumed that I could just never use this account as I never needed it. 

Fast forward to this month. I find out that all of my transactions now default to paypal credit and I can not change this setting. I got hit with XXXX late fees and XXXX interest fees. The total payment I made was {$110.00} of which {$64.00} was late fees. This is an exorbitant amount of late fees and interest fees. The late fees make up for 57 % of the total payment. 

To add insult to injury, I tried calling paypal. They put me on hold for an XXXX before I decided to try to reach out via email instead. 

When I composed the email, the paypal site promised me a XXXX hour turn around. That was XXXX weeks ago. I have yet to get any sort of reply. I am starting to think that there is no customer service at all at paypal. 

Another point of complaint is that the only way that I knew I had late charges was because they sent a letter to my old address. My address is up to date on paypal yet they sent it to an outdated XXXX. No emails were sent to me and no calls were made to tell me that I was overdue on an account. 

This is fraud in that they forced me to use paypal credit when I did n't opt in to the account then charged me with late fees and offered no way for me to talk to anyone at paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called capital One bank to dipute credit card information that was incorrect on my credit report on XXXX XXXX, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to XXXX to have account remove from credit. its has been more than 90 days and information is still listed

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Resolve Partners, LLC (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Filed dispute online with all XXXX credit reporting agencies concerning the account from Resolve Partners LLC for {$2200.00} for damages to a house I rented from XXXX in XXXX SC XXXX XXXX to XXXX. I did have to vacate the property before the lease was fulfilled but the house was re-rented immediately. There was no dispute over the rent. The itemized bill they sent to me shows that fact ( see * on attached bill where it shows the amount did not change indicating there was no lapse of tenants ). The dispute is over damages. I caused no such damage as evidenced by a letter of reference written and signed by XXXX in Charge : XXXX XXXX ( see attached letter ). I have a long history of home rental and have never had a problem. There are no other such complaints on my credit files. I have always left the properties I have rented in better condition than I found them. I believe this dispute with XXXX resulted from my physical inability to complete the counter top after the kitchen stove was removed. XXXX recognized that the built-in stove that was there when I rented the house was severely damaged and posed a fire risk. I offered to remove the stove and use my own appliance relieving them, temporarily, of the duty of replacing it for me. I, however, did not agree to leave my stove when I moved. There was no other damage to the house from me. 
XXXX kept my security deposit which more than covers any perceived damages. Now Resolve Partners LLC is attempting to profit from this dispute by damaging my credit. I have written to them via certified mail and they have not responded except to update and reiterate this bogus debt. I have written XXXX as well who have also not responded. The credit reporting agencies ; all XXXX majors, have also not responded to my disputes. 
I believe the bill generated by XXXX XXXX XXXX serves as its own evidence that I do not owe this debt. It shows the inflated charges for petty damages, the unreasonable expectation that I finish out their counter top after the stove install, and the retention of my security deposit even though the house was immediately re-rented. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a Macy 's American Express Card. I made a payment on XXXX/XXXX/2016 that was more than the minimum balance due. They applied the payment to the Macy 's Store Account which had a {$0.00} balance. They then proceeded to call me on XXXX/XXXX/2016 at XXXX am from XXXX ( no message ), at XXXX pm from XXXX ( no message ), at XXXX from XXXX ( no message ), and at XXXX from XXXX ( no message ). These are central times. I looked the numbers up and called Macy 's. I was told that when an account is delinquent they can not control how many times a phone number is called.

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 03/21/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Taking out the loan or lease

Complaint: In XXXX of XXXX Cap one Finance sent me a auto loan " Pre-approval '' letter which stated they had interest rates as low as 2.3 %. I had called Capital One Auto Loan callcenter XXXX during that time asking them what interest rate I was approved. Each time I called they instructed me to take the Capital One pre-approver letter to the dealer of my choice. I took it to XXXX XXXX owned by XXXX XXXX in XXXX XXXX State. 
I was told the only interest rate quoted by Capital One Auto Finance was 16.990 %, I was also told by XXXX XXXX that Capital One Auto Finance would refinance this loan to a lower interest rate after I showed XXXX year of ontime payments with no late payments. Capital One told me in XXXX of XXXX they do not refinance their own loans. 
I have paid this huge interest rate for 15 months now with no late payments and I have only paid {$2900.00} off the price of the car while paying a whooping {$4900.00} to Capital One Auto Finance in interest. This is a Predatory leading loan and it sets me up for failure as my employer has laid off XXXX employees this year with announcements to lay off in XXXX XXXX. 
Also, I tried to re-finance with several companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX AUTO LOAN and all of these companies tell me that I am in a predatory loan and the payments I have made all went to interest profit for Capital one and the owed to value of the car exceeds their criteria to refinance. So after 15 months of on-time payments I owe more than the XXXX FORD FOCUS is worth because I paid {$4900.00} in interest and only {$2900.00} to payoff. 
In the event I am laid off this year I will default on this loan with this high payment of {$580.00} a month. I need Capital One Auto finance to drop my interest rate to a non-predatory rate to be no more than 8 %. Please review documents that prove I have paid on time and have no late payments on my credit report for the last 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX I am currently having an issue with Bank Of America trying to foreclose on my home on XXXX/XXXX/2016. I have been trying to work with them for years now to get the home under my as per the Administration letters we received appointing me executor of the estate. Both my parent passed away XXXX XXXX and XXXX XXXX leaving me this house. BAC has been reviewing my situation and I have XXXX letters stating I 'm being reviewed dates XXXX and another XXXX on XXXX/XXXX/2016 but yet they are still foreclosing on XXXX/XXXX/2016. 
I have asked them for a reinstatement quote but they refuse to give me XXXX, they have not sent me any letters to get this current or to cure the delinquent amount. Please help me keep my home so Bank of America do n't take it.

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received a copy of my Equifax credit report earlier this year with several inaccuracies listed. I then disputed that particular information. Initially all of the errors were deleted including hard inquiries that were not authorized by me. Now several months later, the items have reappeared. I have asked for them to re-investigate as well as provide VALIDATION/VERIFICATION that the debt is mine and copies of the documents that they have in their files. They have failed to provide me with any information neither will they remove the inaccuracies which is clearly in violation of Section 611 ( 5 ) ( A ) of the FCRA. I do not give anyone permission to publish incorrect information on my credit file. They also failed to notify me within the 5 day period that the law allows that those items would be added back to my credit report. As you will see on the attached letters, I have asked several times for them to remove the unverified and previously deleted items. I have also asked on previous letters for them to remove inaccurate addresses and name variations. If my name and addresses are incorrect, how are they so certain that the negative information is correct? After several attempts, even sending them a copy of my drivers license Equifax refuses to update my surname to reflect XXXX. I have never been associated with the surname XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, My mortgage company made payments to two different insurance companies last year even though they were notified of the policy change. Now I have a large escrow payment that they are requesting from me. They tell me is not their responsibility and that Im the one who needs to pursue a refund. How can a mortgage company just disburse payments without notifying us, how can they not be responsible for a refund to my escrow account if it was their mistake. Please assist me with information as to how we can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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 has on record from XXXX XXXX when I was robbed and identity got stolen more than once. Everyim I pay off the balances there were more pending charges that just exploded and I could not keep up. I talked to capital one many times and they have bank records and legal records of my continuing problem oh ID theft from XXXX XXXX to now. Capital one is the only credit company that is taking this unfortunate event and destroying my life and credit by reporting the fraud activities on my report even though they have police and bank records to proof that my account were all simultaneously hijacked and I was helpless. I need help and capital one is blocking my accesss to let 3rd party representations have access to my account records for review. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Trouble during payment process

Complaint: I received a Notice of Servicing Transfer on XXXX/XXXX/XXXX stating that XXXX XXXX sold my loan to Carrington Mtg Services LLC effective XXXX/XXXX/XXXX. I called Carrington Mtg on XXXX/XXXX/XXXX to see what my new account number will be to reference on my mortgage payments. They stated that it will take 4-6 weeks for them to board my loan and that I need to call back every week to see if they have put my loan on the system. They state they ca n't accept a payment until it is on the system & they claim I wo n't be late until 60 days after the transfer. They ca n't give me anything in writing stating this & its absurd that I have to call every week to see if they did their job to make a payment on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Windham Professionals, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm getting robo calls from a debt collector weekly since XXXX XXXX for a relation, XXXX XXXX. The automated voice says if I 'm not XXXX XXXX I should disconnect immediately. Well I 'm not XXXX XXXX and I 'm getting this voice mail every week and I need it to stop. I 've gotten a call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have tried to block this call and it still keeps coming through. 

I have records of these calls through my voicemail transcription service. This is what the first 30 seconds says. 

" Hello this is a message for XXXX XXXX. If this is the wrong number please call XXXX to have it removed. If you 're not XXXX XXXX please disconnect immediately. XXXX you should listen to this message in private as it contains private information I 'll pause you can do so this is XXXX XXXX XXXX with Windom professionals a court ... ''

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