milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (OR).
Issue: Taking out the loan or lease

Complaint: Paypal Credit. I have a regular PayPal account that is linked to a credit card. I have had it for years and have never had any problems with using it for on line purchases from various vendors. Today, however, I purchased a XXXX and a protection plan from a vendor on Ebay. I selected Paypal as my method of payment. The paypal log in screen came up as usual. I logged in, then clicked on " purchase '' and I got an order confirmation. As I recall, it did ask me to confirm my identity with my date of birth and last XXXX of social. I thought maybe that it was because I had n't ordered anything from ebay in a long time. A couple hours after placing the order, I got an email from Paypal thanking me for using Paypal credit to make this purchase and it had a name of XXXX XXXX Bank, which is not my credit card bank. I was furious that they had signed me up for credit without my knowledge or permission. I called PayPal. They told me that they had already approved the payment to the vendor so there is nothing they can do ; they offered to cancel the Paypal Credit account, but told me the payment for this purchase would still have to be made to them and then they told me they do not accept credit cards. For an on line purchase! This is a total scam. This is a way for PayPal to try to force me to give them my bank account information. They want me to link my PayPal account to my bank account, something I have repeatedly declined to do every time that they have offered. I am just flabbergasted that they are doing this without any signature from the customer. They told me that when they asked for my DOB and last XXXX of social, that was me agreeing to apply for PayPal Credit. It never said anything like that, though. It never even mentioned PayPal Credit. I am not some dumb illiterate person who does n't understand what I 'm signing up for. I have excellent credit and carry very little debt and I would never have agreed to this had there been any language at all that indicated that it was an alternate method of payment than my normal PayPal account. It just said they needed to verify my identity. I just XXXX this after it happened and saw that they have already been fined for this, yet here they are months later still doing it. They need to be put of business, ordered to cease and desist doing this immediately. This affects people 's credit reports and this is just wrong! Many people do not even have checks anymore and use credit cards and electronic banking for everything, yet PaPal Credit is illegally signing up unaware customers for credit loans that can only be paid for via a linked bank account or a personal check. You obviously need to send a much stronger message than the simple fine you slapped on them earlier. I do not know if this happened because this was a purchase on E-Bay, who was formerly affiliated with PayPal, but it seems suspicious to me that it has never happened with any other vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Debt collection (Medical debt) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I attempted to pay this medical provider last XXXX. NJ State law prohibits them from balance billing. Pressler & Pressler 's replacement firm, XXXX, XXXX XXXX   XXXX, which practices the same way at the same address and with at least one of the same people as Pressler & Pressler, filed a complaint and request for judgment.

1 ) I don't owe them this money.

2 ) They and their client know I don't owe this money, and it is in fact included in their supporting paperwork with the legal action.

3 ) Their client never cashed the first check I sent, but I have record of sending the check.

4 ) They are trying to say they can only put my case on hold if I pay them money, even when I inform them again that I do not actually owe them money.

5 ) My insurance company has confirmed I do not actually owe them money and reissued the check their client never cashed. 
6 ) They are claiming they can put the case on hold without notifying the court, which is untrue.

7 ) It costs me money in the state of NJ to file an answer.

8 ) I'm getting married on XX/XX/XXXX, and going to be out of the country. I am extremely stressed out and this is making my life unmanageable. 
9 ) This has already cost me a whole lot in lost opportunity and time.

10 ) I'm a health policy expert who actually knows the laws and my rights, and I am completely sure they are also doing this to other people.

11 ) Their paralegals are breaking the law on a daily basis, even with me.

12 ) None of their " lawyers '' will even talk to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a negative mark against me that should have been taken off years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. 
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. 

I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. 

I find this companies tactics disturbing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Auto debt) with Cascade Capital, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On or about XX/XX/XXXX, I notified all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX - XXXX XXXX XXXX XXXX  and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or about XX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a loan with XXXX. Every time I make a payment not all of the payments are being processed. My loan has actually gone up and not down. The way they calculate interest is wrong. I think that I have paid much more than I needed too.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Medical) with Arcadia Holdings, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a phone message from Arcadia Recovery Bureau saying that they were looking to speak with me about owed debt. I called the number back, and they had my name, address, phone number, and date of birth. They then said that they were calling about {$3200.00} that I owed to XXXX XXXX. I finished my treatment with XXXX XXXX in XXXX of 2015 and paid in full throughout my treatment. However, to be on the safe side, I contacted the billing department at XXXX XXXX and was told that my account has a {$0.00} balance, and I owe them nothing. The woman in the billing department explained that I was n't the first person to call with the same issue. When I called Arcadia Recovery Bureau back to tell them that I have no balance with XXXX, they told me they could put a note on my account that we had this conversation, but could n't do anything further until XXXX cleared me. At this point I do n't know if they 'll continue calling. However, I do n't want to have to continue dealing with this " debt '' that I do not have.

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 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: My social security number was listed in the XXXX, and XXXX XXXX XXXX. The hard inquires were removed but reinserted. The inquiries should n't have been reinserted without a 5 day notice.

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 05/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint requesting the itemization of a deferred non-interest bearing balance on a loan from Nationstar mortgage. The response provided did not itemize the amount in question of {$58000.00}, rather the response actually said that the amount I thought had to be paid back after the 40 years is actually a principal forgiveness. On all of my statements there is a non-interest bearing balance where I have to pay this back. I called Nationstar on XX/XX/XXXX and I was on hold a few times throughout the 30 minute conversation which finally resulted in the rep telling me I see the letter that says principal forgiveness, we are confused and need to investigate and we will get back to you within a day. This company is confusing customers with their language and themselves as well. If the rep understood the agreement as actual forgiveness why do my modification papers say it is deferred and has to be paid back if I sell or transfer property. This is a distress to homeowners and an unfair practice, again this property is nowhere near being worth {$190000.00} in the crime ridden englewood neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OH).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XX/XX/XXXX we received notice from XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened in my name. I called them immediately to let them know that I did not open up an account and that it needed closed. 

I wrote them a letter on the following dates asking them to send written confirmation that the account was closed. Each time I received a standard notice back that said they were looking into it and would get back with me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We are just seeking for a written confirmation that the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: XX/XX/XXXX, Home Depot gave us an estimate to have our kitchen cabinets refaced with a guarantee that they would match any lower price. In our research we found that XXXX could give us a brand new kitchen for XXXX less. When we asked Home Depot to price match they refused. I therefore cancelled the contract for the cabinet refacing and supposedly Home Depot removed from my account the {$15000.00} charge from my Home Depot credit card. XX/XX/XXXX, I was notified that I still owed interest on the {$15000.00}. I have made several attempted to get Home Depot Credit Services to remove the {$3800.00} in interest charges from my account, but they keep telling me that will only do that if I pay {$4800.00}. This does not make any sense to me as a consumer. No work was done by Home Depot at my except for the measuring of my existing cabinets for the task that was never completed. For two years my statements from Home Depot never showed a balance over {$8000.00}. Then all of a sudden a balance that was at {$5000.00} jumped to {$8800.00} without any explanation. Home Depot Credit Services and Home Depot have refused to answer questions from my legal assistance lawyers or respond back to me in writing as to how they came up with the {$3800.00} in interest charges on {$15000.00} charge that was removed from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Received a notification from identity monitoring service that a hard inquiry had been made on my credit report for a JC Penney Credit card that I did not authorize. After talking with XXXX they refused to help and said that despite being fraudulent the hard inquiry was a statement of fact and they would not remove it. I contacted both JC Penney and Synchrony Bank, who issued the inquiry and explained to them that it was also fraudulent and that they need to send a letter of deletion to XXXX to have the inquiry removed, but both institutions claimed they could not send them and it had to be done through the credit bureau, who referred me back to JC Penney/SYNCB for a letter of deletion.

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