milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CT).
Issue: Other transaction issues

Complaint: today i tried to get access to my pay pal account and was denied access. I called them and the woman on the phone told me that i was in violation of heir policies and they will hold my money for an additional 180 days there is over XXXX in that account which i have not fully had a chance to gain access to for over two months. I informed the woman on the phone that when pay pal restricted my account befor that i expalined on recorded conversation what my business entailed and after i removed the pay pal buttons from my social media pages my account was restored again. now for some strange reason my account ha been restricted oddly after i made first formal cfpb complaint. I feel discriminated against and i wish to cut all ties with pay pal due to their unfair practices when it comes to holding money that ive worked hard for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXXDusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXXand this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX turned into XXXX dollars and then down to this amount an then that amount, a class action against XXXX XXXX was completed 4 years ago. It was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today 's Date : XX/XX/2016 Performant Recovery , Inc . 
XXXX, XXXX XXXX XXXX . 
XXXX, XXXX XXXX Dear Collector : I will list items where you have violated FDCPA rules which violate my rights. Thus, I will now file a complaint and take legal actions against your companies. 

The FDCPA Prohibits Collectors from : Failing to cease communication upon request : Both companies were given in writing, a cease communication request. I have the return USPS signed return receipts! 
Repeatedly and continuously calling : I have a log of aggressive harassing calls. 
Communicating with consumer at their place of employment : Staff has notified you on several occasions, said company is NO LONGER at this location / telephone number that was called. 
Communication with a consumer represented by an attorney : Please be advised, I have an Attorney who represents me! 
Threatening arrest or legal action : Please be advised, as per staff, upon last communication with XXXX, XXXX representative stated, " Fraud Charges will be filed ''. This is a flagrant abuse and harassment beyond the scope of your practice! 

Please be advised, I will now take legal action and file a formal complaint with the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.

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 09/16/2016 about Debt collection (Medical) with COLLECTION PROFESSIONALS INC (Illinois) (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This is the document that I was coerced into signing in order for them to release my funds. I was told that I just need to provide this actual document to my bank and they would fax as well and my funds would be released. I asked how is this legal, I received no notification, the lady at the desk got the attorney, I asked the same question, I was given no answer. I requested to see the documentation that was " apparently '' mailed to me, she then held up a document ( she would not let me touch it and examine for myself and then I asked what the date it was mailed and she looked down and said XXXX XXXX, I then stated that is today. I drove the above document to my bank, XXXX XXXX Bank and was then told that the document has not been received via fax. I then called the attorney 's office, XXXX, XXXX, XXXX, XXXX and XXXX ltd and stated that they have not received their faxed copy. The lady was rude and stated that they faced at XXXX. The bank teller XXXX called back to the main branch and was then told that they can not accept this agreed order ( signed under duress, they would not release the levy that I had no prior warning to unless I agreed to an amount and was given no factual legal law that they had the authority to enforce a levy under. I either signed or my funds would be 100 % depleted ). The document would not be accepted to release my funds unless signed by a judge. I called the above attorney 's office again and asked why I was told that the document would suffice as is. I was verbally humiliated and hung up on. I called my workplace and said I had an emergency and personally drove to the courthouse to get a judges signature as I was told by the above said attorney 's office that an attorney from their office would be there today for another court matter and he would try to get the judges signature and they would hopefully fax the correct document to my bank today. I drove XXXX miles to the courthouse and waited. During that time I called the above stated attorney 's office to gather a time frame so I could notify my employer of my return and I was accused of " stalking their attorney at the courthouse and that the matter was out of my hands '' I was again hung up on. I chose to wait for their attorney and he obtained from the judge the proper documentation needed to provide to my bank in which I hand delivered at approx XXXX. I have XXXX children and I do not earn a large some of money and just now in my adult life have health insurance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Well Fargo, my Mortgage holder consistently and willfully refuses to furnish me copies of my Real Estate and School Tax Bills. I have requested this information XXXX times. There is no justification for withholding this information on my property, for a bill that I pay, that they are obtaining from a source other than the duly elected XXXX Collector. I would like them to be compelled to furnish me this information that I am paying for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The attached document describes my assertions of violations of the Fair Credit Billing Act and Fair Credit Reporting Act by Departme  nt Stores National Bank as credit servicer for my Macys Credit Card account. In addition to violations of these Acts, I assert violation of the equivalent portions of my then standing Credit Card Agreement with Department Stores National Bank.
No written acknowledgment of my credit billing dispute, and no written disposition of the dispute.
Closing of account by creditor prior to providing written acknowledgment/disposition of the dispute.
Reporting of disputed amounts to credit bureaus as late payments prior to providing written acknowledgment/disposition of the dispute.
Reporting of inaccurate information to credit bureaus with no regard for eventual disposition of the dispute.
Reporting of disputed payments to credit bureaus with no annotation that they are disputed.
Reporting of inaccurate information to credit bureaus with no notice to me of the negative reporting.
No written acknowledgment of   my dispute of credit reporting, and no written disposition of the dispute.

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 02/20/2017 about Debt collection (Medical) with SCA Collections, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I HAVE NEVER DONE BUSINESS WITH THEM NOR HAVE I SIGNED A HIPAA RELEASE OF INFORMATION FOR THEM TO OBTAIN MY MEDICAL INFORMATION. MY HIPAA RIGHTS HAVE BEEN VIOLATED

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Medical) with CREDICO. INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Credit Collection Bureau ( a debt collection company ) in XXXX of 2016 about a alleged debt that I allegedly owe. 

On XXXX XXXX, 2016 I sent Credit Collection Bureau a certified letter requesting validation. The tracking number was : XXXX and it was via the United States Postal Service. They received my Debt Validation letter on XXXX XXXX, 2016. 

After receiving my letter, they have failed to send me validation as requested by myself per the Fair Debt Collection Practices Act ( FDCPA ), yet they have continued to contact me via phone about this alleged debt. According to the FDCPA, any contact or collection efforts absent validation is strictly prohibited and punishable for a {$1000.00} fine " per occurrence ''. 

I 've been contacted at least twice recently ... On XXXX XXXX, 2016 at XXXX I was contacted by XXXX XXXX with Credit Collection Bureau XXXX The call originated from the phone number of XXXX. I was also contacted again on XXXX XXXX, 2016 at XXXX, again by XXXX XXXX from the same phone number mentioned above making it two occurrences that they have practiced prohibited collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card  until it was received and could not use it for the $ XXXX/night reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Chase wants to state that " if used properly '' the account number would have auto-populated, it did not and my husband is witness to that. I would not have called Marriott OR Chase had it populated. When I was on the line with Marriott AND Chase, the approval page was still up on my computer and I told both representatives this information and neither one knew what was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with DISCOVER BANK (OR).
Issue: Closing/Cancelling account

Complaint: We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: It has been more than one year since contacting you requesting help with my incorrect ending balance at bank of america who is the servicer of my home loan. I have tried unsuccessfully numerous times to refiance my mortgage loan dating back to 2013 first with bank if america then next with XXXX. BOth banks will not close my loan unless I pay a balance that is incorrect. Bank of American has added to fixed 30 year monthly payments and ending balance incorrect forced insurance, late fees. Reported too all Credit reporting agencies my loan as being late over the past twelve m onths. Impacting my credit reporting scores to be too low to obtain another loan. MY current rate is XXXX plus. I have lost out on over three years of XXXX to XXXX per month in loan savings

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 06/26/2015 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On Wednesday, XX/XX/2018 after XXXX, I contacted the company in regards to the delinquent debt and was able to negotiate a payment plan, and I had orally requested that they stop their harassing phone calls to myself and various other members of the family. They have been calling family that are not listed as contacts or have any connection whatsoever to the student loans owed. As of XX/XX/XXXX in the afternoon after XXXX, they did not cease their collection calls and called yet another family member with no connection to the debt. At this point, not only are they breaking the law, but they have been doing so for quite some time. If this is not resolved, I will be taking the appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had a Bank of America checkings account for 10+ years, which I had all but forgotten about. A vendor linked to auto pay on the account tried to collect funds, when my account became overdrawn. At the time, I was out of the country when the account became overdrawn. I did not receive any notice of the overdrawn status given I was out of the US, with limited internet connectivity. I also recently moved, so any mailed notices were being sent to my incorrect address. Once I discovered the mix up ( earlier today ), I immediately called customer service to request a one time waiver of overdraft fees. I spoke with XXXX XXXX, a manager, as well as others, who all said they will waive only one of the 5 separate {$35.00} fees. Given that I had not received any notices, paying 5 separate {$35.00} overdraft fees for one vendor payment seems excessive, especially since I didnt even ask them to pay the vendor in the first place. Attached further below is a screenshot of the dates and {$35.00} fees. Any help greatly appreciated!!

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 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

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 06-09-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''

Company response to consumer: Closed with explanation