milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Paypal will not allow me to unlink a bank account. As a result, Paypal continues to withdraw money from a bank account with a low balance. Each time Paypal withdraws money from my linked bank account, sometimes for as little as {$0.00}, I incur a {$35.00}  bank fee. In the past 6 months I have incurred several hundred dollars in bank fees as a direct result of Paypal 's withdraws. 

When I log into my Paypal account, I am unable to remove ( unlink ) the bank from my Paypal account. 

On XXXX XXXX, XXXX I called Paypal and spoke to XXXX and XXXX XXXX XXXX identified herself as a supervisor. Both Paypal representatives told me they could not remove my bank account from my Paypal account. I asked for a copy of the Paypal policy which dictates that I am unable to remove a bank account from my Paypal account. Both representatives informed me that they could not send me a copy of the policy. I asked to speak to someone else. XXXX said I could not speak to anyone else. Instead they berated me, became hostile and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2014 I received a collection letter claiming I owed money for a debt to XXXX. I never banked with XXXX nor did I ever carry a loan of any kind with them. The collection agency and collection account is labeled below. 

Portfolio Recovery - Open Collections - {$6300.00} - XXXX I disputed this debt with Portfolio Recovery on XXXX/XXXX/14 as I have never carried a debt with XXXX. They failed to validate the debt with me according to what is required in the FDCPA. They also failed to report at anytime this debt having been disputed by me. Enclosed you will find copies of my correspondence with them. 

Dated XXXX/XXXX/2014 - This is the request for Validation I sent to Portfolio Recovery Dated XXXX/XXXX/2014 - Having received no response after 30 days this is my letter stating they are in violation of the FDCPA section 809 ( b ) and to immediately remove the listing. 

Dated XXXX/XXXX/2014 - I received this letter from Portfolio Recovery in response to my Validation request. Notice this is Verification Information and not Validation according to the FDCPA section 809 ( b ). They have not proved they are the owners of the debt now and are legally allowed to collect said debt. They have provided none of what was requested in my XXXX/XXXX/14 letter and have not even provided an address ( as required by the FDCPA once again ) of the original creditor. 

Dated XXXX/XXXX/2014 - I sent them a final letter informing them that they were still in violation and I would be filing against them in court to have this removed. This is the last correspondence we have had and the record still appears on my credit report. 

I sent all these correspondences in a detailed dispute letter to each credit bureau and to this day received no response from the credit bureaus and the record still shows on my credit. 

I have all detailed correspondence and mail receipts all saved and just seem to have run into a brick wall.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with Professional Finance Company, Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I live on social security disibility cant afford to pay this the state of colorado medicaid pays my medical and the creditors knew of this so i dont believe that these should be on my credit to destroy it more i am trying to rebuild it and the collection agencies want to destroy it now bill the state of colorado on this if they dont pay then give me a settlement offer of XXXX and i will pay this amount if medicaid dont then the bad marks will dissapear from my report or show paid thanks XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Application, originator, mortgage broker

Complaint: During our loan process, our mortgage loan officer did not fully disclose all of the information needed. For instance, as first time home buyers we were unaware that our interest rate would change if our closing occurred more than 60 days after we placed our offer. Even though we were in conversation with our loan officer before / between every step in the offer and negotiation process, this information was not disclosed to us until after we signed our contract. Also, as we came within a week of our closing date, we contacted our loan officer -- only to receive an automated response informing us he would be on vacation until days after our closing. After making contact with our loan officer 's supervisor, the mortgage sales manager, we were informed that pieces of information were missing and we would have to postpone our closing for another day. With that postponement, the mortgage sales manager sent us updated closing documents. On these documents, our monthly mortgage payment was listed as {$130.00} more than on the initial documents sent by the mortgage officer at least one month prior. This large difference was due to a calculation error by the mortgage officer. When this was brought to the attention of the mortgage sales manager, he refused to make any adjustments to the interest rate ( which was increased due to the non-disclosure of the impact our delayed closing would have on the rate ), fees, etc., despite conversations with the realtor and both buyers. This {$130.00} increase in monthly payments significantly impacts our budget. The carelessness of the mortgage officer and the mortgage sales manager 's review of our paperwork has caused unnecessary stress.

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 08-11-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Home Depot Case : XX/XX/XXXXI found out thru my Identity theft protection XXXX about 4 weeks ago ) that my home depot card had been cancelled by Home depot because of a late payment. XXXX the balance was showing approximately XXXX dollars. I called your customer service because : ( 1 ) I have NOT used that card or shopped at home depot for over 5 years. I tried to explain that to the customer service rep .. but she tried to make me set up payments. I asked to speak to a supervisor and she demanded to know the reason, finally she said she would connect me, put me on hold and after 5 mins. or so the phone went dead. 
( 2 ) I did find out that even though this card is tied to my SSN the address is not correct. The address tied to the card is not known, I asked for the address and they would not tell me. I have lived at the below address since XX/XX/XXXX. I have NOT received any correspondence from Home Depot in years, bills or otherwise. The card has been shredded. The name on that card was XXXX XXXX XXXX. My middle Initial is XXXX ( 3 ) There is clearly some fraud going on here and you have damaged my credit rating. Please rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last 4 SSN ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: This is a long story that started with a Ch.  XXXX  BK in  XX/XX/XXXX . BK ended in   XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of r eal estate market with  XXXX . The mortgage moved to  XXXX , then to   XXXX   XXXX   XXXX  , then to  XXXX  and now with Shellpoint. the   XXXX   later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When   XXXX   transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $  12K  to  $ 25K  in unpaid mortgages they couldnt quite get their numbers straight in  XX/XX/XXXX , they started cashing my checks electronically fr om  XX/XX/XXXX  whi ch somehow, I never got credit for, so when Shellpoint took over in   XX/XX/XXXX , t hey claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owE over {$7000.00} since   XX/XX/XXXX  ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XX/XX/XXXX  due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it.. Every check I pay with I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink.
I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal.
During   XX/XX/XXXX   i did n't even get a  XXXX  Tax form credit of mortgage interest payments to use against my taxes ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (AE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my student loans through XXXX XXXX. XXXX XXXX disbursed the payment to pay off my loans in full to the other companies. AES was XXXX of the companies that I have a student loan with. XXXX XXXX sent the check on XXXX XXXX, 2016 to the loan companies. AES has not posted this payment to my account yet. I called to see what is going on. I spoke with XXXX in customer service. He said they have not received any payments. I asked to cancel my direct payment for the loan that was coming due on XXXX XXXX, 2016. XXXX said because it was less than 3 days from that date, they could not cancel the payment. He said I could call my bank and block the payment, but that would put late fees on my account. The other option he gave me was to call XXXX and then add AES to the call and have the XXXX companies and myself talk and work it out. I am XXXX with my husband for military reasons and have no way to do a call of that nature with multiple parties. I called XXXX XXXX and they were able to confirm they sent the check on XXXX XXXX, 2016 and that it had been cashed by AES on XXXX XXXX, 2016. Still on XXXX XXXX, 2016 this payment has not posted to my account. They then went ahead and took out the direct payment of {$61000.00} on XXXX XXXX, even though they received and cashed the full payment for these loans on XXXX XXXX. To take money from someone who does not owe money is fraud and terrible business practice! I want my money returned along with the interest that has been accruing on these loans since XXXX XXXX when they cashed the full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been having the same issue with these company I have tried to refinance my home and each time they report the inquiry incorrectly they are required to report them as XXXX as long as they all fall within the one month time frame, there should be no more than XXXX inquiries on my report. Transunion has placed information on my report that has alredy been disputed and corrected there should be not missed or late payments on my trans union report ( XXXX ). 

Incorrect information on my credit report Account termsCreditor name/info, balance, payment, etc. 
Account statusPaid bill on time, account closed, etc. 
Reinserted previously deleted informatio

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I was charged an overdraft fee of {$35.00} on XX/XX/2015. The payment that caused my account to be " overdrawn '' did not post to my account on XXXX/XXXX/2015, after a cash deposit cleared the account. My account never had a negative balance. When I called the bank, they refused to credit me the NSF fee stating that the payment was processing. I was only able to speak with the bank via chat session. I have a copy of the transcript of the chat session.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (ND).
Issue: Loan servicing, payments, escrow account

Complaint: I forwarded insurance proceeds from a barn fire ( total loss ) to Select Portfolio Servicing , Inc. because the check was made out to us and them. They were supposed to distribute the funds back to me in XXXX installments : 1 ) immediately for materials purchase ; 2 ) when inspection verifies project is half done ; and 3 ) when the project is complete. After XXXX months, I still do n't have a XXXX of my money. XXXX keeps coming up with forms I need to complete or processes they need to finish. The contractor will finish next week and I wo n't have even the XXXX installment to pay him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (I do not know) with NCC Business Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have been calling for 4 years now for someone who does not have this number and has never lived here. I do not know them and I have constantly told them they have the wrong number but they keep calling. They can find out who owns this number and that person has never had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX I had previously informed the Trans Union that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXX under affidavit number XXXX after repeated attempts to delete them via Trans Union in XX/XX/XXXX Trans Union are still reporting it today. 

This will be my last attempt in requesting that Trans Union remove this account from my credit file. Since Trans Union insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and Trans Union have failed to remove it, for this reason I request the assistance of the CFPB.

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 01-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification from Owcen. It came back with the same amount. They called it a XXXX but did not consider that the verified income of XXXX would have a XXXX payment of XXXX .hey came back twice with a payment of XXXX which is 49 % of my income. This dooms me to losing my home. I have been working on this since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a dispute with Experian and the received to on XX/XX/2018 and I have yet to here back about the investigation. They have not provided me with permissible purposes or written authorization I have another complaint but forgot to upload proof.

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 11-09-2017 about Debt collection (I do not know) with The CMI Group, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Management LP- Amount {$230.00}, labeled under cable or cellular. I have know clue as to what this is and would like to have it removed from my credit report. It is showing first delinquency date back in XXXX and last reported XXXX/XXXX/XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XXXX monthly fee silently charged  to me since XX/XX/XXXX by transunion after getting their free report. Received a monthly email asking me to sign up for their service, not indicating I already was signed up, nor any type of credit info said service is supposed to provide. Further more they have not raised my credit score nor updated my address, employment, good credit, car payments, removed cillections, after 9 months of positive credit changes and XXXX XXXX removals. There are dozens of XXXX responses for this same issue, XXXX/month without their knowledge and a circus act to cancel. Hidden buttons and false re-authorize links trying to cancel. This is not the behaviour of a multi-billion-dollar credit agency, this is how grifters and con artists behave. I am out XXXX$ for a free report and nothing gained by what this supposed service is supposed to provide.  From what I have read online from XXXX and FTC site, few people recouped even a single month charged, so I do not see the point in wasting my time calling them at this point.

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 06-08-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: This debt is from 2011, a loan from a check cashing company. I became XXXX in 2011 and was laid off not too long after that, When I went into the check & go store, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Simon’s Agency, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I played XXXX XXXX XXXX XXXX XXXX. I signed up for a membership there to use the facility aside from tennis and changed my mind. 
Within XXXX hours of signing the contract I brought in a letter expressing my desire to void the contract as I would not be using it as I was no longer going to be playing XXXX at the end of the season. The clerk, XXXX I believe his name was, took the letter and attached it to the contract. 
Here it is XX/XX/XXXX, and I am placed in a collection agency and apparently they were told the contract was signed XX/XX/XXXX. This is absolutely false, the agency does not have a copy of the contract which one representative told me she did and they refuse to verify it. 
They call several times a day and tell me I need to email them a dispute but have yet to give me the address to send my dispute. 
This is adversely effecting my credit file and I need it to be fixed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed