milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Used PayPal account linked to XXXX to sell an item ( XXXX ). PayPal sent me an email that the payment was received. I then shipped the purchase item and marked it as sent, along with tracking number and necessary info. After the item was sent, the payment was cancelled by the buyer and PayPal allowed the cancellation although the product was already sent and no refunds or returns was on the listing. Of course, the buyer did not return the product either as this was a plan for fraud. After filing a dispute with PayPal and calling several times, they refused to credit my account or reimburse me. They claimed it was my fault for not making sure I claimed the payment first although they were the ones who sent me an email that I had received payment. PayPal is known for doing this all the time and allowing buyers to commit fraud while leaving sellers at a loss with losing the product and not receiving payment. Furthermore, after selling another item which has been delivered several weeks ago, PayPal continues to retain the payment on hold, which should be available to me by now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, Equifax, AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX  IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, Equifax, AND XXXX or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX Is the worst Company ever!! Not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and I have already filed a complaint with HIPPA regarding there ILLEGAL ACTIONS that are affecting Hard working citizens everywhere such as myself.They are violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: To Whom It  May  Concern : I am not writing to dispute the accuracy of the way my loan or the payments of the loan have been calculated, rather the appalling results of how the account 100 % benefits the lender and leaving the consumer ( me ) treated extremely unfairly.  Below is  an explanation of why I feel this way.   I finished my school education in   XXXX     and shortly after consolidated my student loans with  Great Lakes Borrower Services.  At that time my balance was {$68000.00} and today ( nearly 12 years later ) my balance is {$76000.00}. You would think I have not made any payments and the result of that is fees Etc. increasing my total loan amount, but that is far from the case.   My first few years out of college I did struggle to find a decent paying job that would allow me to make payments on my account but I did what I could and asked for deferments when I knew I just could not make the payments. I asked for assistance on the loan amount, but none was ever offered nor provided so I would have to defer my payments until I felt I could start paying again. At times I would pay small amounts just to make some sort of payment. Whenever I came into a bit of money I would try and make larger payments to also reduce the loan amount. I finally was able to get on my feet and start working a decent paying steady job and making my payments every single month so here is my main complaint.   I have not paid very close attention to my loan balance since I knew I had to pay on it a while, but recently looked at what I currently owe and I about had a   XXXX   XXXX  . Over the course of my loan I have paid {$31000.00}, but  STILL ow e {$76000.00} on a {$68000.00} loan! Seriously! I did some research on my account and notice that out of the {$31000.00} only {$1700.00} has gone towards my principle! Also, during the time I kept expressing concerns about not working and trying so very hard to pay what I could I was hit with thousands in interest charges! So somehow I have paid bac k ~45 % of my loan, but still owe ~110  % of the loan! How is this even legal?   At this point I am not even sure paying the loan is worth it or even an option since the more I pay the more I owe. I understand the concept of borrowing and paying interest, but the way this whole thing has worked out it seems like this is taking advantage of consumers not only when they are at their worst, but also at their best. At a minimum I would hope that the institution would waive the {$9500.00} of interest charges they hit me with while I was struggling to work and asking for assistance.     I thank you for your time in reviewing my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: As advertise by Wells Fargo bank I have opened new account and followed instructions for direct deposit. This new account has promotion of {$250.00}. After several e-mail communications bank is refuse to pay promotion amount. They are claiming direct deposit is not valid. Account was opened in XXXX 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past 2 years, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

One time I was denied by the reentry team verbally stating that I did not earn enough income. Then they denied my application verbally stating that I earned too much! After that they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2014, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to to the fact I am of XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information ( including at XXXX point my deceased mother-in-law 's tax returns ), and generally making it very clear that they had no interest in helping me for 8 years now. 

Further, I believe I have been discriminated against due to my XXXX gender, as well as my foreign national origin as evidenced by my XXXX accent, which I have received comment on from Wells Fargo on more than XXXX occasion, where the bank 's personnel have expressed frustration dealing with me due to my accent.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however Ocwen did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from Ocwen and from XXXX to report the information correctly and I can't seem to get anything resolved. I really need your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Signed up with a promotion code for a checking account at CitiGold. Called mutliple times to make sure the promotion code was accepted and to make sure I reached the minimum qualifications. After not receiving the miles 120 days after the posting date ( it said to expect them by 90 days ) I called to address the issue. 4 weeks and 2 calls later they sent a letter saying it was invalid because the promo code was not addressed to me. However, they never stated that until the minimum requirements were met, I had called at least 6 times, and it was time for them to reward me with the miles. Their customer service was very slow and only about half the people I talked to seemed to understand the dilemma. Had I known it had to be actually sent to me this would be a non-issue but not one person mentioned that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I have been charged {$5.00} monthly for XXXX XXXX credit life insurance without my acknowledgement. I contacted them around XX/XX/XXXX advising them of the charge and no action has been taken as of today XX/XX/XXXX. 
This was from best buy XXXX  card

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 03-09-2017 about Debt collection (Payday loan) with Direct Recovery Services, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This number XXXX XXXX XXXX left me an automated voice message regarding a debt and then somehow called my brother about me ... when i call back it is a voice message box i would like them to not contact family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As you are aware, on XXXX XXXX, 2017, Equifax disclosed that it did not properly secure financial data of millions of Americans and as a result my information was improperly accessed by third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (I do not know) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message. 

If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: States that a potential creditor or employer pulled my credit file because of an application, this was not done or authorized by myself, would like the hard credit pull removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Student loan (Federal student loan servicing) with EdFinancial Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am in the public service forgiveness program and now they are telling me I am not in the right repayment. It has to be income based repayment, when I went home and looked at all my papers from 2010 when I applied. I applied for the income based repayment and application I have all the supporting information. EDfinacial is telling me none if my payment will be counted towards the forgiveness. They are trying to scam me. This is ashame that they do this to students who have debt and are working hard and they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I recieved a call from a private number, saying they were with Navient. Saying they were trying to collect on a student loan i have. I have never gotten a student loan - EVER. When I refused to give them my info - they gave me a fraud number, but no one answered at that number. I want to make sure no one has used my info and I dont have a student loan. How do I verify this and not give my info to just anyone. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Checking account) with BANK OF THE WEST (SD).
Issue: Deposits and withdrawals

Complaint: I was the victim of a scam/fraud on my bank account XX/XX/XXXX. I notified the bank as soon as I was aware of it and before they notified me. Instead of treating me as the victim I was I have been treated as the perpetrator. They froze my bank account even though I let them know that my only source of income was coming in which was my Social Security check. They let me know that they would be taking out the complete amount of what they said needed to be returned to the bank from the fraud which would leave me only {$450.00} to live on for five weeks until my next check. I was also told that since my account was frozen NO money could be taken out even by me. 
When I requested that my account be closed and my balance sent to me I was told that the balance was only {$100.00} because the teller that was handling the case authorized XXXX bills that came in after the account was frozen. How can an account that is FROZEN be used at the tellers ' choosing without notification to the account holder? 
I have had many lies told to me such as that the Area Manager of the XXXX XXXX was going to go to the branch personally and close the account and have the check sent to me by XXXX since I have NO money to live on. No check arrived. I called the branch again and the same teller said that when she went into close the account and send me the check she found that the account had been closed supposedly by Corporate Security and a check sent. However, despite me changing my address the check was sent to my old address which will have to be sent to my forwarding address then to me. I was accused of telling Corporate Security to close the account, by this same teller which I denied. I have been treated very bad verbally by this teller, had phone calls not returned by her boss at the branch, calls not returned by the Corporate office person I 've been working with and a lot of promises made and told a lot of lies. I still have no money. My money is being kept away from me and no one seems to be able to give me any answers about the fraud case or how to get my money back. This bank has even said they have very little experience with this type of thing so was n't sure what had to be done. It 's called Policy and Procedures. Needless to say I will never use this bank again. 
Due to this bank not giving me my money I have had to contact Social Security and stop Direct Deposit of my checks because I ca n't open an account since I do n't have enough money to do that to get Direct Deposit of my checks.

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