milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MT).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I logged into my paypal account. I added an XXXX XXXX card and selected it as my primary form and default form of payment. I then sent my brother in law a gift on {$1200.00}. On XX/XX/XXXX in notice a insufficient fund fee to my bank account for {$29.00}. Paypal had switched my primary  payment from my XXXX XXXX card back to my bank account. I searched the paypal website for a method of stopping the payment, but could find no method. On XX/XX/XXXX I called paypal at ( XXXX ) XXXX and asked to switch the payment method back to XXXX XXXX card and stop from trying to withdraw from my bank account. The representative provided she could not stop the process and that they would try to withdraw funds from my bank account again. Once that was completed they would withdraw from my XXXX XXXX card. The representative stated she could see I had the XXXX XXXX set as my primary payment card when I submitted the payment and would send me a letter to provide to my bank to remove the fees. On XX/XX/XXXX they tried to withdraw the money again from my bank account resulting in another {$29.00} dollar fee. They billed my XXXX card instead of my XXXX XXXX. To date I have not received the letter the paypal rep stated was being sent. The process of sending a payment with paypal is absurd. It should be illegal for them not stopping the second withdraw against my bank account as per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My Issue is with a 30 day late Carrington Mortgage Servicing is reporting on my loan. I made my XXXX payment on XXXX, XXXX, 2015. The XXXX payment was made XXXX XXXX, 2015. On XXXX XXXX, 2015, they reversed my XXXX payment and applied my XXXX payment towards the XXXX payment. I subsequently made the XXXX payment on XXXX XXXX. I am not sure why it took Carrington 35 days to reverse the XXXX payment. but when they did, the XXXX payment was there to be applied toward the XXXX payment. I am trying to complete an FHA streamline refi but XXXX XXXX at Carrington said I could not because of this XXXX late. 

I want this 30 day late removed from my credit so I can proceed with the refi. 35 days to return a payment is Unfair, ridiculous and has to be in violation of RESPA or FCRA. Please have then correct my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 this company a letter dated XXXX XXXX, 2017, to dispute inaccurate information from my credit report. Unfortunately, based on my new credit report and their response no proper action, the investigation took place. I am writing them and another letter which is attached to this complaint. In accordance with the new law, consumer assistance program, the items listed in my dispute letter are unverifiable. There has no citation of my FULL SOCIAL nor my DATE OF BIRTH. And despite this, this company did not remove these inaccurate, invalid items ; no lawful investigation took place violating the Fair Credit Reporting Act.

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 05/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2016 at XXXX a.m. I contacted The XXXX XXXX XXXX XXXX that is listed on my credit report about a civil judgement and I spoke with XXXX in the records department and he informed me that XXXX XXXX XXXX XXXX does not report to the XXXX credit reporting agencies and there was no way that they could have verified anything with them. On XXXX XXXX, 2016 I sent Equifax a letter stating that this account is not reporting accurately and for them to delete this account. On XXXX XXXX, 2016 I was able to look up the results of my dispute online and find out that the Judgments have been verified by the XXXX XXXX XXXX XXXX and was provided with their contact information and to contact them for any questions. The results of their investigation is completely untrue and a lie due to me contacting XXXX XXXX XXXX center myself and was told that they do not verify nor report anything to the XXXX credit reporting agencies. I then contacted Equifax on XXXX XXXX, 2016 at XXXX XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX and asked about the results of my dispute and how was these XXXX judgments were verified when this company does not report to you all, he said that the company did in fact verify this information. I then requested to speak with a Supervisor and her name was XXXX supervisor of XXXX XXXX and she came on the phone and said something different then what XXXX provided me. She said that they send someone out to the courthouses to verify public records. I then informed her that on my credit report I was not provided with that information. I then asked her to provide me with the name of the individual that went to the court house to verify these XXXX judgments and she was not able to provide me with the information. This company are reporting inaccurate information to my credit report and also reporting fraudulent information to me about how they verified the XXXX judgments. 
I have upload the results of the investigation and the information that they provided me

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, my husband and I sent a letter to Equifax requesting that they investigate errors on our credit report. My husband received the results of his investigations in XXXX. Several more weeks have gone by, but I have yet to receive my investigation results from Equifax. I have called and written follow-up letters, but I still have n't received my updates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I did n't meet the qualifications for help

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 11/29/2017 about Student loan (Private student loan) with LendKey Technologies, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 
I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Problems when you are unable to pay

Complaint: I had lost my job and therefor feel behind on XXXX payments. I kept up communication with Capital One and had just agreed to send them XXXX of the past due payments on the following Friday on top of already making that months normal payment. Less then XXXX or 6 days after speaking with them and the agreements being discussed they came and took my car with no warning. After they took my car they failed to follow many CT regulation and/or laws. An example is never sending me writen communication prior to or after the car was repossed. I found out the car had been auctioned, again no communication of the auction prior to, when I recieved a bill for the remaining amount. 

All of this has been terrible and hard to get anywhere in fairly resolving the situation. Now my credit report shows XXXX missed payments and that is simply not true along with other payment information they have listed on my credit report which is also false. I am devastated and if they had just followed the agreement I would still have my car and they would have there loan paid. I truly do not know what to do at this point. I have disputed the information with the credit agencies themselves as well as tried to resolve and communicate with Capital One. 

Please advise me of what I can do to right this situation. I do not understand how companies get away with doing business in a state and not follow the regulation and laws put forth by that state. Thank you for any and all assistance you may be able to give

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have mailed 2 certified letters to all XXXX collection agencies ( XXXX ) on XX/XX/2017 and XX/XX/2017 regarding this creditor AR RESOURCES for a medical bill. I have asked for Validation of this debt with my signature stating that they can report this since this is a HIPAA violation of my private medical account and medical history information. I did not authorize nor consent to this. I have yet to receive any proof with my signature of me consenting to the release of my private health information. They refuse to provide proof as to why I am filing this complaint and I am trying to purchase a home and this is showing I have financial trouble in which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened an American Express Delta Gold card on  XX/XX/XXXX.

I set up automatic payments on XX/XX/XXXX. When I set this up, it was not clear that the payment would not be automatically made for the next payment ( due on Sunday, XX/XX/XXXX ).

I checked my account of Monday, XX/XX/XXXX and noticed a {$27.00} late fee. I immediately paid the amount manually and reached out to American Express via the messenger app and they agreed to waive the late fee. They said in the fine print, it said that automatic billing would not take effect until the following billing cycle. 

The next statement had a {$45.00} interest charge. I again reached out to American Express, explained the situation and they said they would not waive this. I then said it seemed wrong to waive the cheaper late fee ( {$27.00} ) than the interest charge ( {$45.00} ). Then they agreed to waive the {$45.00} interest charge. This was a phone conversation that occurred on XX/XX/XXXX. This representative agreed to waive the interest charge verbally. 

I looked at my statement today ( XX/XX/XXXX ) and realized not only did they not credit the {$45.00}, they also charged me an additional {$4.00}. I called American Express today ( XX/XX/XXXX ) and they said the credit of the interest charged ( {$45.00} ) was later declined. Also, they said the {$4.00} was residual interest. I went ahead and cancelled the card. 

Here is the really frustrating part. The annual fee is {$95.00}, but is waived the first year. With all these fees, I ended up paying almost 50 % of this fee in the first three months of having this card. While this all started with the automatic payment setup, it feels the fees and treatment of this situation is ethically wrong. It seems as though American Express should make this explicitly clear during automatic setup that you must manually pay the first month. And the fact that they waived the cheaper option ( late  payment ) than the interest charge feels wrong. In the three months of having this card, I was charged a fee on each statement. 

I hope this can help others in the future. I am a customer that wants to make my payments on time. I am not sure why this was so difficult. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

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 02/25/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: This is a summary and a full version will be attached to this complaint. I was victimized by a scam involving online sale of puppies. Perpetrator was sophisticated in the way they described their program and involved victim in their process. They started out with a beautiful puppy and great concern over well being of the puppy and got you to buy into how sincere they were. They convinced me to send {$750.00} -- {$500.00} for puppy, {$250.00} for shipping ( at a cost of {$11.00} to me ). Then they said they would ship puppy & I would be contacted by delivery company. Delivery company contacted me with elaborate delivery procedures & instructions then at the last minute the delivery company contacted us wanting {$1800.00} for life insurance on the puppy saying they would return {$1700.00} of the {$1800.00} at the time they delivered the puppy. The backed up the demand for the {$1800.00} with references to XXXX regulations. We did not pay the {$1800.00}. It is a pretty elaborate scheme. It works fast. I am afraid other vulnerable people are being defrauded by this scheme. I suspect that the breeder and the delivery company are actually the same person or people.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was told by Quicken Loans that my flood insurance provided by FEMA was mandated by law to be escrowed into my mortgage payment by Federal law. I live in California and I spoke with a loan supervisor who confirmed this info. This is false I information. I had already paid my entire premium and they declined to refund 6 months of payment. I have been unable to secure the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The statue of limitations has expired on the debt in question ( it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff ( Discover Card ) waited too long to bring this case ( laches ).

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (MI).
Issue: Shopping for a loan or lease

Complaint: I had a revolving HELOC XXXX 3.0 %, {$180.00} payment, interest only XXXX which was to expire XX/XX/XXXX. XX/XX/XXXX PNC Bank sent me a letter offering me a fixed rate 30 year HELOC at 3.84 %. I applied for that loan, and was approved. 

Then, PNC went back and did an appraisal on the home and sent me a letter stating they could not loan me {$75000.00}, they could only offer me {$73000.00}. 

They re-wrote the loan again, but this time the interest rate was 5.24 %. This increased my payments from {$340.00} to {$400.00} a month. I feel this increase may hurt me in the long run. I am a single income household. My wife passed away which has decreased my monthly household income by over {$600.00}. 

I have tried to work with PNC to find out why I was not given the 3.84 % as they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the Ad Astra Recovery Services with XXXX and XXXX stated that they verified this information. I do n't understand how can they verify an account that do not belong to me. This account was open as a result of identity theft or they insert this account on my credit file. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Well I had a car with credit Acceptance during this time I was working but I lost my job. I was n't able to pay for the car no more after the continue threatening phone calls from them I told them I would surrender the car because they gave me that option. Since then credit Acceptance has auction this car off how they going to say I entered in another agreement with them when I did n't have a job to pay them.At the time I stayed in XXXX and the statue of limitations is up and now I 'm in XXXX the statue of  limitations is still up why do they still have this on my credit report when the car has been sold. I want them to remove this off my report ASAP. thanks 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 04-06-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: Recently checked my Macy 's bill and saw that I had been charged a credit protection fee. Called Macys and they said that I was enrolled in the program and I had been for 8 years now. I do n't recall ever agreeing to sign up for credit protection. I have cancelled the policy however, they are stating that they have to review my account in order to see if I qualify for a refund.

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 10/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.

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 02/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ).

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