milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Other transaction problem

Complaint: Paypal will not cancel my account. I canceled my XXXX account no issues due to moving out of the country. I tried to cancel paypal and they stated that I had an outstanding dispute with XXXX. I contacted XXXX who confirmed that I did not. I spoke to 5 different representatives at Paypal after getting their phone number after trying 5 times. They would not cancel and said I had to contact XXXX. XXXX said no, have to contact paypal but we can close out XXXX no problem. I want to close my paypal account but they are refusing do to so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit card protection / Debt protection

Complaint: i was charged by a plumber for a job he did not complete. it was a bait and switch scam. bank of american denied my claim against the charge because i did n't have another plumber do a inspection of the previous plumbers work. so i got stuck repairing the plumbing myself and the fraudulent charge.

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 10/22/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Capital One : 3 accounts- 2 credit cards and 1 auto loan. 
They call everyday, incessantly. 
XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX  XXXX/XXXX/XXXX @ XXXX XXXX I have tried to make payment arrangements but even then they call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Credit card) with National Credit Adjusters, LLC (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: During the refinancing of my home I was made aware of a debt that was outstanding. they called to get the amount that was owed by me to national Credit adjust. After being given the amount due a check was cut to satisfy the debt. I made repeated calls to get the address of where to send the Check and got nowhere. XXXX XXXX would not return my calls and when he did would not provide me any info on what the debt was from or what my information he had about me in file. He said I should pay it and i was lucky that he does n't have it sent to his legal department. I called back again a week ago with my loan officer and left word. He again did not call us back. We called again today and he said the balance due was now XXXX higher that it was when we contacted them initially. He would not honor the payoff amount and would not provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: Paypal charged me almost 5 % for a domestic transfer in the US. I sold an item to a buyer in Florida and they are telling me that its being considered an international sale because of his account type. 

However, XXXX XXXX XXXX this link provided does not mention anywhere about account type. It only mentions that if the sale occurs within the US, which it did. 

Unfortunately, this is my third complaint this year against paypal. They have been misleading customers like myself with hidden charges. Im hoping the CFPB will step in to protect other consumers from their tactics. 

My other complaint which was closed was that they kept making unauthorized transactions towards my bank account. They falsely claimed to the CFPB that I was given monetary compensation before I submitted my complaint. This is not true. They compensated me only after writing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with Home Point Financial Corporation (PA).
Issue: Application, originator, mortgage broker

Complaint: As a first time home buyer, I was ignorant to some of the practices such as points. The only part I was aware of is that I understood that there would be a higher incurred cost. Though the broker we worked with may not have done anything illegal ( I do not have any legal or property background ), I would consider what was done unethical. I considered this person to be unresponsive to the point where I was reaching out to him more often than he reached out to my fiance and I. He made critical mistakes on the application that could have been simply avoided such as citizenship status and other identification information. My fiance and I had to point out the issues with the application and changes made came on our end. This process was less than conducive to a new home buyer. 

The worst part of this endeavor is when we tried shopping around for the best deal, which is our right to do so. We had a broker approach us about a particular rate and we asked the current broker we were using if he could match, giving him the opportunity to keep our business. He stated that he could without any mention of points. The other rate we were approached about had XXXX points. At this point, a few weeks went by after we had locked in our rate. We were unaware that the loan rate we locked in had points until it came time for closing and the cashier 's check we needed to pay was approximately {$4000.00} more than what we were quoted. We had not heard from him much during that elapse of time which was a period of approximately XXXX days. Due to previous arrangements made around house maintenance, we were cornered into paying this hefty amount which we would n't of had to pay if we switched brokers. There was n't any documentation sent to myself or my fiance, who are both borrowers on the loan, that there were any points. This was the only disappointing part of purchasing the home as the realty company/insurance company we worked with were exemplary. Due to this unethical practice, future loans on my part will not be leveraged through XXXX XXXX XXXX or XXXX XXXX and many of my piers looking for property will be warned against using them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I would like to file complaint against Wells Fargo bank, regarding my saving account. Account was closed without my knowledge and no explanation was ever given to me as to why suddenly my saving account was closed as well what happened to my savings/money! I opened saving account in 1998 with XXXX bank in XXXX, AZ that later became Wells Fargo bank. I had that saving account for more than 10 years and I put aside lots of money for emergency and different life events. Well account is gone/closed and money disappeared, Wells Fargo said in a letter mailed to me " due to the timeframe that has elapsed, we no longer have account statements ", also, bank stated " we can not locate a discrepancy for $ $ $ ". I truly believe that internal Wells Fargo employees stoled my saving account money by opening ghost account and transferring my money from saving account than simply closed the account.What an incredible lie from executive office of Wells Fargo bank. I am missing XXXX XXXX XXXX dollars from my saving account and bank got a nerve to tell me due to a timeframe they no longer can not locate account statements and a discrepancy for XXXX XXXX dollars! Pure lies and manipulation by the bank. Bottom line here is bank stoled my money and is hiding evidence as well selected individuals that work for the bank and their position. Pure internal FRAUD and SCAM. I am a pure VICTIM of FRAUD done by Wells Fargo employees!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started going to XXXX college to take courses to qualify for XXXX in my state. Nelnet put me on automatic deferment. I have no major concerns with that, but what has really pissed me off is that I have called on multiple occasions to tell them to reinstate my automatic ACH payments. I have money to pay for my student loans and do not need nor do I want the deferment. It is now XXXX and I am seeing that my last payment was made on XXXX 2016. There is no way I can payback multiple months. But they need to reinstate my ACH payments! Why are they refusing to do this? I have a right to pay my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax Credit Agency : Deleted a good standing trade line from my credit report without me the consumer contacting the credit agency or disputing the account. My fair credit rights were violated due to the trade line being in good standing and was not ten years old. The trade line was deleted from my credit report on XX/XX/XXXX, when it was not due for deletion until XX/XX/XXXX. The trade line was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Telephone number XXXX. When I contacted Equifax Credit Agency regarding reinserting the trade line it was stated to me, " that I had to contact the institution. '' I did! I contacted XXXX XXXX XXXX the Vice President, credit disputing department on XX/XX/XXXX. Her telephone number is XXXX. She stated, " I would have to move forward on my complaint against Equifax. Equifax stated, " to me XXXX Bank, sent in an electronic portal requesting to have the good standing credit line removed. '' I do n't know who is telling the truth or who is n't. What I do no is my FAIR CREDIT RIGHTS WERE VIOLATED. I am asking for the good standing trade line, [ description account number XXXX ] to be reinserted with all major credit bureaus. My fair credit rights have been violated. This has cost me tremendous stress, cost my credit score a tremendous score hit, meaning lowered my credit score. And most importantly, I continually to be miscommunicated, mis-leaded by both Equifax, and XXXX Bank. Please investigate throughly. As always, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (LA).
Issue: Fraud or scam

Complaint: Someone broke into our business email account and sent our customer fraudulent ACH transfer instructions. They requested our {$250000.00} payment be changed from a check to an ACH payment at a Wells Fargo bank with a fraudulent account. The instructions stated our business name on the account, but when we called Wells Fargo, they said that our business name was n't the name on the account. We asked them why they accepted funds into this account with improper instructions and they told us to contact their legal department. They will not give us any additional information

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 03/30/2017 about Debt collection (Medical) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi. 

Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me. 

In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court. 

I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment. 

Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus. 

I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years. 

This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.

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 09-01-2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I am constantly being harrassed by a company called XXXX XXXX. They say they represent Castle payday and I owe {$700.00}. I told them that I did bot borrow that much. I offered to make payments and they refused saying it was n't enough. I have been called by several people, the most recent is XXXX at XXXX. He yelled at me and said he has me on tape refusing to pay, and will have me served legal documents at my job. They also called other family members, including my under aged grandchild. This behavior must stop. When I asked the person who called my last week there address, they refused to give it to me. Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my Credit Report and found several things that were incorrect. I tried to solve these problems with the  collectors  to inform them this is not my debt. I have no knowledge of this debt. Please help me to solve this issue. The  collectors  are only interested in getting money and not actually getting down to helping individuals such as myself.

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 04-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted XXXX and spoke with a representative that stated the request to remove was done ; contacted Experian ( no representative available, only automated system ). I tried to use the prompts but when the call ended the Experian system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.

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 11/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Overlimit fee

Complaint: I owned a business back in 2008 that I took a credit card out from capital one with a credit limit of XXXX everything went well for the first 6 months then I started getting charged over the limit fees each month in the amount of XXXX each month i called and was told they would not remove them after a year i gave up paying on it they had doubled what i owed them raised my interest rate now they have hired an attorney which has put XXXX judgement 's against me for it XXXX on my checking account XXXX on my state taxes and the XXXX XXXX is on my house which has a mortgage on it all for the amount of XXXX this is outrageous for such a small amount since then I have lost my business due to the economy

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had an incorrect item deleted from my credit report, see attached, Then they confirmed it, sent me notice, provided a new updated report and then secretly put it back on my credit and did not notify me within the five days they intended to do so, a clear violation of the FCRA 's, 5 day notice rule 15 USC 1681, AND ... In addition they did not notify the other CRA 's as required under 15 USC 1681 611 ( a ) ( 5 ) ( b ) see attached,

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 03/26/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 03/18/2017 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: We have had to file a hardship through XXXX. A company that I do n't have an account with, but my husband does, had been calling my work. They called at XXXX and I picked-up the phone and requested that they stop calling my work. The lady requested payment from me and told me that she could draft it from our bank account since they somehow have our account information. She told me that they do n't negotiate with debt relief companies and said that we were going to be sued. I told her that she was not allowed to remove any funds from our account and hung up. Later in the morning, after I had left for work, a man called and my husband answered. He threatened my husband, used vulgar language including the " f '' word and told my husband that we owed them money and that they were going to take it from our account with or without our permission. This company has never had our permission to automatically draft funds from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: First of all I would like to take this moment to thank you for all the wonderful work you do in helping us resolve issues that would take years to resolve but because of your exceptional work they get resolved sooner, for that thank you. 
I have a mortgage with Pentagon Federal Credit Union ( PENFED ) I the borrower pay the Insurance and Taxes no escrows. I paid the Insurance and the taxes for fiscal year XX/XX/XXXX-XX/XX/XXXX. My XXXX XXXX XXXX forwarded the homeowner 's declaration page ( HODP ) in XXXX XXXX on the renewal date. In XX/XX/XXXX I received a letter from PENFED requesting a copy which I uploaded on the internet portal as they requested. In XX/XX/XXXX I was notified of forced insurance. Called their toll free and I was advised that they received all the needed documents ( s ). Forward to XXXX XXXX they raised my payments to reflect the forced insurance. I have tried to correct the issue and they acknowledge they received the HODP I 'm not sure if its incompetence on the employees on their systems do n't interface/talk to each other. If could be kind enough and help me resolve this issue of having XXXX policies on XXXX house.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.

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