milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other service problem

Complaint: On   XX/XX/XXXX  I  made an  XXXX  purchase through Paypal. When the item arrived it was not what was advertised in the listing. On   XX/XX/XXXX   I submitted a dispute through Paypal. Paypal did not find in my favor & essentially let an   XXXX   seller perpetrate a scam.     I 've been trying to close my  Paypal account ever since. I keep encountering electronic problems online. I finally called Paypal  o n  XX/XX/XXXX  & w as told by someone in the  XXXX  they could not close my account b/c there was a pending charge. I checked & this was a lie. The charge had already cleared my bank. I called again  on  XX/XX/XXXX  & i nsisted they close my account. Once again they lied & told me they could not close the account b/c there was a pending charge.      Does Paypal th ink I 'll continue to use their service b/c they 've refused to close the account?????

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 05/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have two accounts that have been readied after being deleted TWICE from credit report and I have attached proof. 
1. XXXX XXXX # XXXX, this account was deleted on XXXX XXXX, 2016. This is not my account. 
2. XXXX # XXXX, I have attached XXXX for that debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I recently reviewed my Deed of Trust and Release of Deed of Trust on my property located in XXXX XXXX Colorado XXXX. In reviewing it I found a Deed of Trust was filed in or around XX/XX/XXXX which was paid. In XX/XX/XXXX all mortgages were paid in full on my property. Using the information from my XXXX from the mortgage company I sent a letter requesting this be resolved. I sent it Certified Return Receipts. On XXXX XXXX the letter was returned marked no forwarding address. The Mortgage Lender in question is Beneficial Finance and Subsidiaries the address listed on the XXXX was in XXXX NY. I also have attempted to reach them via an internet search and the XXXX number listed on the web site goes to an advertising organization. 

I have also found an address of Attn : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. 
https XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: This is to inform you that on XXXX/XXXX/XX/XX/2015 I send {$1000.00} to XXXX for a relative, when she tried to withdraw the money, they told her the money was not under her name but under a male named XXXX XXXX. I do not know this person whatsoever. After many tries they told her the reference number was correct but the name was different, immediately I called Money Gram Payment Systems to stop the transfer. The operator simply just transferred me to another department, and then to another, and by the XXXX operator they tell me that the money had been withdraw-ed minutes ago. I let them know that they are wrong because my relative is n't being able to collect the money. And they start a case and say that they will need two weeks to investigate. After two weeks I called Money Gram Payment Systems and no one knew anything regarding the case, they had no information to give me. When I demanded answers the operator simply ignored my questions and at XXXX point hung up the phone on me. On XXXX/XXXX/XX/XX/2015 I went back to the Money Gram Office I had used to sent the money from, and the employee contacted the Money Gram Main Office, and after being transferred to many departments as usual, they had no answers and now they need 90 days to investigate. In my opinion they are playing games, or ignoring me, because they can simply open files on their system and find out which employee, and which office authorized to change the name, just by a XXXX of clicks on the computer. I simply sent money to a relative and some stranger collects it? That seems fishy to me. I 'm not understanding how that happened. After a conversation with my relative she says that the bank manager in XXXX told her that they can not change anything on the orders, not even a name once the sender sends the money. If that 's the case then how did a random stranger with a different name than the recipient 's name collect my money? As far as I see it Money Gram Services is at fault for not taking care of the money and giving it to the correct person. I really think they violated my trust, broke a contract and simply stole my money. I want and need my money back as soon as possible and an explanation what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (CO).
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: Went through a loan modification in XXXX with Caliber Home Loans. My husband had a XXXX XXXX XXXX  and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My credit report has been negatively affected by Equifax allowing various entities to report unverified accounts on my credit. I asked Equifax to please provide me a hard copy of the original applications/contracts that is said to be mine so that I can verify signatures. Equifax relies on 3rd party vendors that provides electronic information that could easily be forged copied or finagled. In respects to the law that governs the CRA 's, it is my understanding that under the FCRA 15 U.S.C. 1681, all unverified accounts must be promptly deleted. In respects to the governing law, a verified account is defined as an original hard copy of the original application that is believed to be mine. Equifax has disregarded my request for the copies of the applications or contracts that is in my file. They have responded within the 30 days but not with the original documentation with my signatures. I did not ask for a copy of my credit port. I asked for an updated copy of my report that shows the accounts in question to be removed because of Equifax 's inability or unwillingness to forward me all original hard copies within 30 days. According to the law that governs the CRA 's it 's illegal to report on my credit file without having the " hard copy '' on file.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a $ XXXX+ loan with AES and have tried contacting them several times via email AND phone over the last month and have not gotten a response yet. I receive the email stating that communication was initiated by me and that someone will get back to me within 24 hours, but no one ever does. I am so unsatisfied with their services and policies that with thousands of dollars in exchange, I deserve a response as soon as possible. Not to mention, I have an increase in my interest rate MONTHLY. Obviously, I am unhappy to say the least. I need answers. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: Due to the breach with Equifax getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX Equifax, XXXX and XXXX XXXX I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of Equifax 's XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed in 2013 for a modification of my mortgage loan with XXXX XXXX XXXX XXXX XXXX. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from XXXX of XXXX branches. Thus, I sought help from XXXX Holder and now XXXX, CFPB and XXXX XXXX XXXX XXXX. The most recent was information showing on the deed that this loan is invalid. I sent a complaint also on XXXX XXXX XXXX union. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. XXXX knowingly deceived me by continuing to send letters stating they needed more time to research the matter. They then sold my loan to Carrington Mortgage Service, Llc. I notified Carrington of the dispute and supplied them with the deed and copy of the certified Lien release. In working with XXXX XXXX, they are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against XXXX XXXX XXXX for not releasing and invalid loan and making a sale to Carrington while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them XXXX XXXX XXXX XXXX, which is wire fraud and Carrington for going forth after I notified them. Also now that Carrington own the invalid loan, not giving me the lien release I requested. See case numbers Cfpb XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: I have a general complaint. Chase does NOT allow me to setup an automatic payment to my credit card for anything other than the minimum payment due, or the full balance due. I believe this is on purpose, to force the consumer to not be able to pay anything other than the minimum payment, and then have to manually schedule payments at a separate time for anything above the minimum, but below the full balance. If I want to automatically pay {$500.00} or {$750.00}, when my minimum is only {$150.00} or {$250.00}, I should be able to!!!! It is total XXXX just designed to XXXX me from automating my payments @ where I want them to be, so I can pinpoint my payoff date. Instead I have to remember to go in and manually pay them, and if I forget, oh well, just more interest for the bank. They should NOT be allowed to tell me what I can automatically pay every month. I should have the ability to pay what I want, as long as it is above the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion deleted all of my inquiries off of my credit report and then replaced them a few days later without written notification as required by FRCA Section 611. I have diligently been trying to have this matter rectified but to no avail. This is drastically affecting my financial status.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 sent dispute letters via mail in online to Equifax XXXX and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the Equifax data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

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 08/14/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I filed a complaint against Nationstar. Please see Case number XXXX. In the meantime, the property in question was listed for sale with a local realtor. After over 300 days on the market, we were able to find an interested buyer. Nationstar was informed that a short sale buyer was interested, and the realtor followed the instructions of Nationstar. I also submitted all documents requested by Nationstar. Recently, I was notified by Nationstar that the short sale was denied because the application was incomplete. I have attached a copy of the letter sent by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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: XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan with this company on XX/XX/XXXX for {$3300.00}. I paid my payment on time for several months. I then hit a financial hardship due to a health condition ( that is still on going ). I tried to contact the company for several months to set up a payment plan and they would not respond. Finally I got through to them and this is their response : " Date Arrangement is set up : XX/XX/XXXX Thank you for contacting us to set up a payment arrangement for your loan #  LOANNUMBER which has been accelerated. Our records indicate you have a past due balance of {$9500.00}. This payment arrangement will replace any existing installments or scheduled arrangements outlined in your original contract if adhered to and can not be changed or canceled. The plan we have setup is detailed below. 
{$120.00} due on XX/XX/XXXX via DC and $ 125 monthly through XX/XX/XXXX. '' I did some research and was shocked that they are charging me {$6200.00} in interest. If I could have afforded this amount, I would have paid it much sooner. 

They are scam artists who play on individuals. Payday loan lenders are " sharks '' and I made the mistake of going with this company. They just keep taking advantage of the consumer even when their is a true hardship. They do not care. 

I agreed because I did not know what else to do. Since I have researched I need help in getting the finance charges removed. I own the debt but can not afford all that interest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: When I applied for a mortgage loan I found out that there were XXXX items on my credit report related to medical bills. Both items have been paid in full through my insurance and the balance paid by me. Yet both appear on my credit report as a debt that is in collections. I have checked with both offices and they indicate a zero balance.

Company response to consumer: Closed with explanation