milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Confusing or missing disclosures

Complaint: I recently opened a business account with PayPal. With this account I also opened a virtual terminal account with a pay here card reader. In there disclose it says that all money processed through the card reader will be made available immediately. All money processed without card reader after  XXXX  Will be held in reserve. Well i used the card reader for all my transactions and they feel that they can hold my money in a reserve anyway. All transactions were done and approved by sliding cards through the reader. When I try to talk to them about it they just keep saying they ca n't help me. Please help. I have a new business and really need this money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: the debt in question has being pay in full as of XXXX XXXX, 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have deposited a check on XX/XX/XXXX for {$4000.00}, they gave me an available balance of {$4000.00} the next day, and I went to a local Wells Fargo Branch and I withdrawed {$2200.00} and they told me the check was good to go. The next day they called me and told me that the check has bounced, and I asked them why did they give me an available balance if it hasnt cleared and they said my employer was at fault. Two days after they called me from an Oregon Office and they said they are opening a fraud claim and I would get my money back in 5 days. After 5 days I called them and they told me it was just a research claim and that I have to open a new claim. And so I did, and they told me that I have to wait for 10 days. I waited and called them and they have told me that my claim has been denied because of the bad check.

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 07/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account with Citibank on XXXX XXXX, 2016. While opening the account I applied for an ongoing promotion for XXXX XXXX XXXX miles. Before opening the account, I checked with a CitiGold account specialist to make sure I am eligible for the promotion, and was told that I am. After opening the account, I received a written confirmation stating the promotion disclosure. I completed all the requirements of the promotion within the time limit. After completing the requirements I again checked with an account specialist, at which time I was told that the promotional miles would be deposited within 90 days. After waiting for the 90 days, I again checked back, and now I am being told that Citibank is not going to honor the promotion, because according to them they were not supposed to target me for the promotion.

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 01-05-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been calling the Corporate office to speak with Sr Account Rep 's to resolve this account for the past two weeks. I previously emailed a goodwill deletion request and was told that the bank can only make changes to reporting if the bank has made an error. Upon finding errors in Capital One Bank 's reporting, I then disputed regarding the same account to have it updated on my bureau. Today I called Capital One Corporate and spoke with a Sr Account Rep. and I was told that no information can be provided as to why this account was recently re-reported to XXXX as of XX/XX/XXXX after being removed from XXXX. 
This information has been recently disputed and removed from my XXXX Credit Report, but is now being reported as of XX/XX/XXXX on my XXXX Credit Report with different reporting dates and information than previously reported by capital one. The differences are reflected in my credit reports from XX/XX/XXXX-XX/XX/XXXX. 

I would like Capital One to remove this inaccurate information and stop reporting it to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Updated info : Customer provided phone number receiving debt collection calls : XXXX. 

Updated info : I have not had any debts since I paid my mortgage in XX/XX/1993 so the debt is not mine and I have also received letters in the name of XXXX XXXX. I sent the letters back saying that person was not at this address. 

Receiving repeated calls from Dynamic Solutions Recovery Solutions, LLC Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. They finally left a message today after calling many times over the past several days. I have no debts, unpaid or otherwise and just wish they would stop harassing me for somebody else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with SUNTRUST BANKS, INC. ().
Issue: Fraud or scam

Complaint: We are a XXXX  mystery shopping company that seem to be the victim of phishing. 
We are getting claims of us shoppers that they are contacted in our name to cash a check. And then probably transfer the money back to the firm. 
They are being contacted thru email and we already got the domain name blocked by the domain provider. 
And have send out a warning mail to all US shoppers signed up with us. 

Attached you will find one of the checks the shoppers received and the letter that was send with it. 
They are contacting the people thru XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 
What can we do to stop this fraud? Is there a possibility to block these phone numbers or can we have the checks blocked by the 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 explanation
Consumer complaint received 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've disputed with all three major reporting credit bureaus ( XXXX, Experian, XXXX ) .I 've submitted three different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.

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 06-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: portfolio recovery is now also misreporting on my credit file as the original lender of the account which is 100 % untrue as XXXX is the original lender. the credit report also states that they took ownership of the account starting in XXXX 2015 when the account was assigned to them in XXXX of 2015. they have claimed to be the original collector to many individuals and I am XXXX of those victims. I have proof of this misreporting from my report which I will attach. They report to the bureaus XXXX per month to confuse the FICO system ( which is used in 90 % of all financial decisions and the only score and report that actually matters as we know XXXX about who the lender is and to get it to stay on the report for seven years instead of the original date of delinquency. i have confirmed the error on my report as well as directly with the representative that they do claim original lender with a date of original default in XXXX 2015. the error is still there right now and must be by law, deleted, not adjusted as this is misreporting information and I was turned down for a loan based on having a recent date of original delinquency. This is fairly simple. They are not a lender and I never borrowed money from them. They purchased my account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2016 I took my son XXXX to the XXXX department in XXXX XXXX, XXXX, GA. At the time I paid {$150.00} in the XXXX department. We later received the bill from the hospital claiming that we had not made any payments to the at time of service. I paid the remainder of the bill ( {$100.00} ) and contacted the hospital sort out the missing {$150.00}. I sent them the receipts, backdraft copies where the payment was cleared by my bank. I received another 2 bills from the hospital claiming I owed {$150.00}, the hospital claimed the had not received the documents I had faxed them. This happened 4 times over the time of 3 month. The hospital then handed the matter over to Central Financial Control Debt Collector. Again I faxed tem the documents showing I had paid at the time of service. The first 3 times they claimed they had not received the documents, so on the XXXX of XXXX 2016 I faxed 20 copies from 3 different fax machines and 3 copies by regular mail. Central Financial Control then acknowledged that they had received the information and it had been handed over to their disputed claims department. Since XXXX I have been told that my claim is under review and they will get back to me shortly. However, I have had no information about my claim, the person in charge of my claim ( XXXX XXXX ) have not returned any of my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX hired Financial Asset Management Systems to collect on a private student loan debt. Under complaint number XXXX, Financial Asset Management Systems ( " FAMS '' ) alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to FAMS in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that FAMS needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I have recently received a discharge on my Chapter XXXX bankruptcy where I completed my plan making every payment on time. In XXXX 2017, I received a letter from the trustee to begin making payments to Nationstar Mortgage. I called the company and was told a different amount ( 300+dollars ) instead of the XXXX payment the trustee said I would be paying. I questioned the representative at that time who said I had funds left over in my bankruptcy account that covered the remaining portion. Again in XXXX, the XXXX was owed. At that point I spoke with a representative in the bankruptcy dept who agreed this was wrong. The rep submitted an inquiry to the research dept. XXXX rolls around and I officially got my court paperwork finalizing my discharge. I receive a statement in the mail from Nationstar saying I am past due. I call them and the rep said no, we have money holding in an account that can not yet be applied to your account. That was last week. Today, I get a note taped to my door of my house saying I should immediately call the company. I call, they said they actually owed me money and dont know whats going on. You can not get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Gift card) with PAYPAL HOLDINGS INC. (IL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: In XX/XX/XXXX I have purchased two {$25.00} egift cards from XXXX XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX the cards were refused at the XXXX XXXX store # XXXX in XXXX XXXX, CO stating that the cards are invalid as the PO system is not taking them. I have called XXXX XXXX and they stated that the XXXX will only honor cards sold by the XXXX XXXX directly online or in its stores and it does n't honor or address issues with cards sold through a third party such as XXXX. I have contacted XXXX and I was told that in their they the cards are valid and it is XXXX 's problem if they do n't honor them. 
The remaining balance on the cards is {$28.00} and I expect a refund for the balance I can not use. It is truly reprehensible that XXXX does n't feel any responsibility for the financial products its sells and it is just unwilling to offer any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with AR Resources, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have know knowledge of this company. I have never had an account with this company. This is on my credit report fraudulently AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2015  {$680.00} {$1000.00} {$680.00} 3 accounts and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2015 {$650.00} 1 account and amount

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have been fighting with ocwen for 3 or more years to get a modification last year ocwen gave us a trial modification so on XX/XX/XXXX we paid them XXXX then on XX/XX/XXXX we paid them XXXX and again on XXXX of XXXX before XX/XX/XXXX we start getting letters that we did n't pay so I call them and the person I talk to tells me I have to talk to my relationship manager so I make an appointment no one calls this has been going on for a year now I have a sale date on my house and I finally get some one to talk to me a week before the sale date they claim they never got to payments so I send them the bank statements they say they will investigate it well now my sale date is 3 days away and I log on to there Web site and on XXXX/XXXX/16 they say I do n't qualify for the modification so how is it that I hold up my end of the deal and they say I do n't qualify?? They are a rip off so If I want to keep the home I have to file bankruptcy or just walk away from the home what are people that ca n't afford an attorney supposed to do

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Managing, opening, or closing account

Complaint: Today on XXXX/XXXX/2016, I received an email stating that my American Express Serve account is being closed due to " unusual usage patterns. '' I have used Serve with full intent to pay credit card bills, water bills, gas bills, property tax, school tax, rent, XXXX fees, and other bills. In fact, the tax office is still waiting on the Serve bill payments that I requested to be sent on XXXX/XXXX/16. 

By closing my account, I will not have a way to pay my bills on time. What I loved about Serve was the ability to load money via credit card or debit card quickly and the funds would arrive immediately. It was more convenient that the bank transfer method that takes several business days. It was also more reliable than work XXXX XXXX. There is no activity that is inconsistent with the intended use of the account. Serve has been so great to me. 

As a servicemember and current American Express cardholder, I am often told that American Express has our backs, no matter the issue. But this is not the case, and this was a slap to the face to all of us serving.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Around XXXX 2017, Equifax, though their website informed me they allowed identity thieves to steal personal information on me including my SS #, drivers license number, name and address from their 'secure ' system. 

I never authorized Equifax to obtain this information. In effect, Equifax stored my information improperly, at least by associating my personal information with my Social Security number, allowed thieves access to all the information, and failed to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit plus has pulled my credit score without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.

Company response to consumer: Closed with non-monetary relief