milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Other

Complaint: Over the past six months I have been experiencing issues with my PayPal Extras MasterCard. XXXX XXXX is the lender on the card, and PayPal runs the e-platform on their website where I am supposed to be able to view my PayPal XXXX XXXX account. The problem seems to be an issue between XXXX Bank and PayPal, but both companies are refusing to contact each other and work together to solve the problem. At this point there is nothing I can do to fix the problem because the issue is that PayPal has my account listed as cancelled, and XXXX XXXX has an account open for me but I have no way to view the information online. Other than paying my bill, all other activity must be done online, which includes redeeming rewards points that I have now lost over XXXX because of points expiring, however over the past 6 months I was unable to use them due to the errors of the XXXX companies attached to the account. At this point I have called twice to three times a month since XX/XX/XXXX, and I spent 3 hours on the phone today with both companies until I was redirected to the initial automated answering service you get when one calls customer service. 

At this point I do not know what to do, or if I should even be paying my bill when one company attached to the card, which is the company directly associated with the card, tells me that the account is no longer active. Yet, I still can use the card, can not access my points, and still pay a bill every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage raised our monthly payment $ XXXX/mo. 
Our mortgage insurance was due to drop off XX/XX/2016. Instead of lowering our payment they jacked it up with the intent to force us into a refinance situation!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017 I received an alert on my credit report that a collection account had been added to my credit reports. I logged into my account to see what the account was. I noticed that Allied Collection Services had placed a collection on my credit reports. I sent a certified letter to Allied Collection Services on XX/XX/2017 for which they signed for on XX/XX/2017. 

In the letter, I requested that Allied send me validation of debt with proof bearing my signature not " verification of debt, '' anyone can look at a computer screen and see a name and say a debt is verified. I would like a copy of my written signature. I received a letter from Allied Collection Services on XX/XX/2017 providing me documents stating that they verified the debt to be mine, however nowhere on the document has my signature. On the document there is an address that I do not recognize as well as I could not locate my bank information. I have banked with XXXX for many years and this has been my sole bank because of my military affiliation. 

In addition, I should not have been made aware of this debt via my credit report. It is the responsibility of the Collection Agency per the FCRA to contact me in writing 30 days prior to placing this account on my credit report and give me a chance to validate or dispute the debt. I was not given this chance and in turn this debt has hurt my credit score, as I have no collection accounts on my credit report. This account being added dropped my score over 40 points. I am very upset by this and would like this rectified immediately. 

I will be seeking damages as outlined in my letter to Allied Collection Services on XX/XX/2017 if this is not fixed immediately.

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 12/19/2015 about Bank account or service (Savings account) with VALLEY NATIONAL BANCORP (NJ).
Issue: Account opening, closing, or management

Complaint: My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Non-federal student loan) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Closing/Cancelling account

Complaint: To Whom It May Concern : In XX/XX/XXXX I received a Capital One credit card bill with a {$19.00} charge for " annual fee ''. Since I did not want to pay a fee for a credit card I called and asked what my options were for a no fee card. I was told I could change to the Quicksilver card that has no fee. This was fine with me until I got a new bill with the {$19.00} charge still on it. 
I called again and was told that the fee was for going forward only but I still owed the {$19.00}. This was not my understanding from the first call and would have canceled the card on the first call. I get offers in the mail regularly from Capital One for no fee cards. 
I think they are using some of the " XXXX '' type deception. I would have canceled the card on the first call and I think if you listen to the " recorded for training purposes '' recording of the call you will find this to be true. 

I want my {$19.00} back or I am going to cancel the card. 

I also want to know what steps will be taken so that this type of deception is stopped. 

XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Medical) with ONLINE Information Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Despite requests for validation of the amount of the debt collector is trying to collect, the debt collector does not respond to my request for validation. Below the letter I have sent the debt collector : " In previous occasions I have requested a validation of the amounts you 're trying to collect, which are thee accounts amounting to {$380.00}. I do not recognize these accounts and I do n't have an account with your client. In accordance with the FDCPA, I am requesting a validation of the alleged debt as follows : Please provide a copy of the following documents : 1. A copy of the agreement with your client that authorizes you to collect this alleged debt. 
2. A copy of the agreement that bears my signature I allegedly promised to pay the original creditor the claimed amount. 
3. Complete payment history and equipment return credits for this account to prove that the amount you wish to collect is accurate. 
4. You license number issued by the North Carolina Department of Insurance that allows you to collect debts in this state. 

If you are unable to validate the amount claimed, with the information requested in items 1 to 4 above, or find out that the amount claimed is in error please proceed immediately to delete the account from your records. All information requested must be provided. Any information provided to the CRA must be deleted too. Failure to properly validate the debt will result in a complaint filed with the FCPB and, the NC Insurance Department and/or filing a lawsuit in Federal Court. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The servicer refuses to give information regarding the class action lawsuit against XXXX XXXX for XXXX colleges.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: They Ditech, took my principal payment of {$9900.00} and put it to escrow and interest. 
I talked to XXXX in XXXX before they got the payment and relayed the message that I wanted it to go to principal since I already made my XXXX payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: Hello, On XXXX/XXXX/15 Huntington Bank double debited checking account customers due to system errors. My account was affected, resulting debit transactions being declined even though I had money in my account. This was embarrassing and unacceptable. Moreover, My overdraft protection kicked in so i had to manually move that money back to my overdraft account. Once I moved the overdraft money back, Huntington also automatically moved that money back resulting in my checking account to be debited an extra {$1100.00}. We are now over 1 week since Huntington erroneously double debited XXXX folks and my checking and overdraft account are STILL broken. My own money has not been available to me for quite some time. I have been advised different things from various Huntington employees, and so far none have been true or correct. I have chat transcripts and there are recorded phone conversations as proof that I have been lied to on multiple occasions. I am very concerned that this will not get fixed, as we are at over a week since the double debit issue. This is extremely concerning behavior by Huntington towards its customers. At this point I have no choice but to continue to escalate, as I have bills that need paid and transactions I need to complete. Assistance in getting this escalated and resolved would be greatly appreciated. 

1. I was advised that since I manually transferred the money back to my ODP account the automatic transfer would NOT apply. This was not true. 
2. I then chatted with a bank rep ( I have the chat transcript ), who advised me to just transfer the money from the ODP back to the checking acct. This did not work since the ODP account was in the negative, another false statement from a Huntington rep. 
3. I spoke to a phone bank rep on XX/XX/XXXX ( which was recorded and on record ), who promised me the issue would be fixed overnight. This was not true, it had not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other

Complaint: On XXXX/XXXX/2015 when I scheduled a online flight with Southwest Airlines I was made any offer by Chase and Southwest Airlines for a combined Chase/Southwest credit card if I completed their application on line, which I did and was I approved. The terms and features of that Chase/Southwest offer were as follows:1. A " {$200.00} Southwest XXXX Card Credit. " 2. A " XXXX Bonus Points after you spend {$2000.00} in the first 3 months of opening your account. " 3. A " XXXX Bonus Points after your Cardmember Anniversary. " I did everything according to these terms, but now both Chase and Southwest will not given me the features that were promised me at the point of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting foreclosure " started on '' our my husband and my XXXX XXXX mortgage which is n't true. I demand they remove this status because it is causing us an issue with getting a loan. We have tried disputing with Experian through a paper dispute process as well and we have n't been able to get this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: Once again, a repeating problem trying to send an international transfer through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, & (  XXXX  )  XXXX   XXXX   XXXX  accounts  XXXX  opened  XX/XX/XXXX  with a balance of {$40.00} each.

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 11-06-2017 about Checking or savings account (Other banking product or service) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XXXX XXXX XXXX has added a link to " My Accounts '' online portal. I sent them several emails in the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX asking them to remove this service from " My Account. '' I have no interest in this service. As in the XXXX XXXX incident, they have NO RIGHT to open an account or service in my name that I have NOT authorized. In addition ; when I logout out of my online account, the XXXX account as they call it remains open. I must logout separately from this unwanted service or leave myself libel to hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MN).
Issue: Problems when you are unable to pay

Complaint: I recieved in the mail a letter explaining that I qualified for a XXXX loan which could be paid back in installments instea of the next paycheck payoff. It was mailed to me on XXXX XXXX, XXXX offer stated that I was pre approved for $ XXXX and that the offer expired on XXXX XXXX, XXXX the letter state that this was not a payday loan. nowhere on the letter dose it state the interest rate or the length of time I would have to pay back the loan amount. It simply gave me the imprestion the loan would not have to be paid back the next pay period, rather I would be able to make payments. I was hesitant in getting involved with this with concerns that it would be a repeat event from a payday loan I took out for 5 days and ended up paying hundreds of dollars back. I did not want at all to get mixed up in that again. I was given a phone number to call XXXX I called the number and started the loan proccess. I spoke with someone who I can only assume was a representative of the company. she said lots of things about loan and about truth and lending but did n't disclose the interest It wasnt till after I accepted the loan offer was I made aware that the {$400.00} loan would be financed at over 600. % interest. and that if I were going to be making all the payments I would be paying {$200.00}. on each consecutive payday ( the XXXX unless its on a weekend ) until the loan was paid back totaling {$1900.00} or a onetime payment of {$600.00}. at this point I was taken back by this info and quickly put to paper the the XXXX found out that they are not charging the amount that the interest came to be they rounded down or something. If you ask me this is a payday loan.which they faulsly claimed to not be. even worse then a payday loan have they turned out to be. I am recieving social security XXXX XXXX.which before I pay for my medicare premiums so I get {$840.00}. directly deposited into my XXXX checking account as you can guess a {$600.00} hit would be very damageing for that current month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Wife & I called XXXX XXXX, ( XXXX XXXX XXXX - XXXX, VA XXXX ( XXXX ) XXXX ), couple of months ago about a hard inquiry, which we of course understand that it was because of accounts we opened through them. however as it should drop our XXXX XXXX " a few points '', mine, through XXXX dropped a whopping XXXX POINTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am an XXXX citizen and resident. I was in XXXX in holiday and the company, Coinbase, closed my account. I provided them with my passport and my residence documents, explaining them that it was just an holiday and as a XXXX citizen I am allowed to go to XXXX. They closed my account, took my money and never replied to me. It 's been over 20 days and I am very worried because I lost my money and they do not want to reply to me. I wrote several emails, provided all the proper documents and asked several times to be able to receive at least an answer, but no one from their team wants to reply to me. I tried also on social media but no results. As a XXXX and XXXX citizen that has proved not to have any business or neither residence in XXXX, I thought it would be easy to solve my problem, but they do not want to resolve it. In the meanwhile they took my digital money. This situation is incredibly frustrating, providing all the documents and proof did not help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation