milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have contacted PayPal several times 3 times on XX/XX/XXXX with regard to changing the name they have listed on a business account. PayPal allowed one of my employees to open the account for the business, but listed the employees name as the owner of the account. 

When contacting PayPal, they refused to change the name on the account even when provided with information on the owner of the business would know. They allowed opening of the account without verifying the same information they have requested me to provide. 

The requested information was : 1 ) Letter on company letterhead dictating the request.
2 ) Photo ID - driver 's license 3 ) Social Security Card 4 ) Company documents ( certificate of organization, letter from bank, etc ) The requested information was provided via fax to XXXX. I verified the number as I was nervous sending such sensitive documentation via fax as it could be used for identity theft. The agent verified this as the correct fax number. 

I contacted PayPal again today ( XX/XX/XXXX ) as I had not heard any response. I was today informed that the fax number should have been XXXX. The agent apologized, but informed me there was nothing that could be done and insisted the error must have been on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage note was recently tranferred from XXXX mortgage servicing company to another. It was with XXXX XXXX XXXX, but as of this month it is now with Shellpoint Mortgage Servicing. I have an interest only loan based on XXXX rates. The rate for my last payment to XXXX was XXXX. My payment was XXXX. My mortgage is {$250000.00}. That has been pretty consistent for the past couple years. My current rate under Shellpoint is XXXX, yet they debited {$1800.00} from my checking account for XXXX, approximately {$1000.00} more than what should have been debited. I canceled the automatic debit and contacted their servicing department. They had absolutely no explanation why they were debiting {$1800.00} from my account and why the same was scheduled for XXXX. I asked several times to speak to a manager. They could n't give me anyone to talk to. I was put into voicemail. I tried calling again the next day and had the exact same results. I am currently trying to refinance with a local bank, but I feel that {$1000.00} was stolen from my account by Shellpoint and that they had every intention to do it again in XXXX. I need help getting back the money they stole from me for XXXX. I 'm at a loss right now as to what I should do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did Transunion,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.

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 05/28/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a home mortgage recently to find out a fraud Credit Inquiry from TD BANK USA/TARGET C on XXXX/XXXX/2016,. this pul effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, Would like Inquiry removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with Curtwright & Klein, LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a continuation of the issue that was addressed in complaint # XXXX. Ditech addressed the complaint noted above and posted my payments to my mortgage XXXX/XXXX/16 as well as waived the late fees. I received my XXXX/XXXX/16 statement from Ditech and now my XXXX payment has not been applied to my mortgage account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (I do not know) with Penn Credit Corporation (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This outfit robo-calls my home number 4 to 6 times a day. They never leave a message or anything. I do not owe anyone any money and have not for more than fifteen years. 

I have never received any documents from them or any supposed distressed creditor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with CITIBANK, N.A. (VI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to 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 06/26/2016 about Payday loan () with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I applied to Big Picture loans for a loan in the amount of {$400.00} plus a {$100.00} finance fee. After I received my money and made my first payment ( which was the finance charge ) I called to check the status of my balance and I was told it was still {$500.00}. I just made another payment of {$100.00} and was told that was a finance charge payment. They told me there are actually XXXX installment payments and I should try and pay more or pay the entire amount. This has me in a loop of trying to pay something off that charges me more than what I borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit Bureau is in violation of FDCPA, FCRA and also Metro2 compliance. The account in question is over 10 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: So, I initially disputed a Chapter  XXXX  Bankruptcy  XXXX / XXXX /   2017  through the CFPB I did received a response today 32 days later so this is not a problem. However, look at the response Equifax sent with regards to my initial complaint. Please reference CFPB Complaint #  XXXX  You guys " Closed the dispute '' on  XXXX / XXXX /   2017  with this reply from Equifax..  ( you s hould clearly see and know I am NOT  XXXX   XXXX  I am  XXXX   XXXX   XXXX   )  But you guys let them keep reporting this information.     Company 's Response Dear  XXXX   XXXX , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. Bankruptcy case  XXXX  has been verified by the data furnisher as correctly reporting with your name, social security number and address. Written confirmation has been sent to you. Please all ow 7-10 busin ess days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  or y ou may visit us at www.equifax.com. Please note that for future disputes of credit report information, you may visit www.equifax.com.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We believe this is a fraudulent cell phone account opened in my name. We sent a letter copied from the CFPB web site and requested all information related to this supposed debt. The letter was sent certified mail, return receipt, and was signed for on XXXX/XXXX/15. We asked for them to cease all contact until the requested information was supplied. To date, we still receive multiple calls/day on multiple numbers ( home, personal cell, etc ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: APR or interest rate

Complaint: was charged exuberant deferred interest rate and offered to pay balance off as it had only been a few days since the charge happened and the company declined. ( XXXX months no interest ) seems like a very shady practice and there should be a reconciliation period. i should be able to pay off the balance and avoid this 30 % interest charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Other fee

Complaint: My name is XXXX XXXX I have an account with Barclay card ( last XXXX numbers XXXX ), it was originally used to purchase XXXX Iphone 5s from XXXX in conjunction with Barclay card stating No Interest for the first ( year or 6 months ), I can not remember which, now almost 2 years later they sent me a notice saying I have to pay in full the deferred interest rate, something I knew nothing about. I just find this to be extremely misleading and unscrupulous. Its not even listed in the normal part of my statements but if you go down alot further in XXXX little section they show it or at least they do now, but if your just checking your balance and keeping track that way no idea, as stated it just seems like a greedy unscrupulous fine print kind of thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX. I moved to an apt complex that did not allow dish on the roofs of building and my apt faced the wrong direction for the dish to work on the patio. XXXX could not furnish the TV service. therefore not my fault. They broke the contract by not being able to provide the service. My bill was paid in full til this happened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: I opened an account at Citi based on a reward offered. The reward was never given so I closed the account. They then charged me a monthly fee after the account was closed.I called and resolved it and confirmed again that the account was closed. I then received a letter in the mail stating that the account was negative ( as a result of a fee ). I called again and they stated that the account would be closed, however the fee may have go 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 monetary relief
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 certified letter to  XXXX ,  XXXX  and transunion, stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have  for two year s have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  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 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a dispute with TransUnion regarding an invalid item on my husband 's credit report. The same day, I filed a complaint with the CFPB regarding the debt collector. TransUnion took well over 30 days to respond. Attached is the letter I received, with the post-marked envelope it was sent in. I filed both the dispute and complaint on XXXX XXXX, XXXX. TransUnion came with an XXXX XXXX postmark. 

TransUnion also concluded that the debt being reported was correct and would remain on my husband 's report. 

Meantime, we received a letter from the debt collector in reponse to the CFPB complaint stating the opposite ( also 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 04-06-2016 about Debt collection (Payday loan) with Commercial Recovery Systems (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company is alleging I owe a debt from a payday loan, While I did take out payday loans in Nevada in the mid XXXX all of these loans were paid. Not to mention that they are barred by the statute of limitations on debt collections past 6 years. The company refuses to produce any evidence of the loans and are insisting that criminal actions are being filed unless I pay them money. Repeatedly calling, harassing and cursing at me. I am an attorney and I know this is against the law.

Company response to consumer: Untimely response
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I obtained loans through XXXX being service through American Education Services, which I entered repayment in 2008. My original repayment agreement stated a repayment term of 10 years. Recently, I requested a foreberance for 1 month where I noticed that the term had been expanded to 155 months. Further, they have used the forbearance as an opportunity to reset my repayment term. I did not request this and it provides them with an extroordinary interest payment windfall. This needs to be looked into as none of it has been authorized nor has notice been provided in any loan documents during the disbursement process.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. I WENT TO SEND THEM A LETTER BASED OFF THE INFORMATION THEY FURNISHED ON MY CREDI TREPORT AND THE LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wellsfargo continuously misapplies payments and proceeds to charge late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: XXXX XXXX, Citibank and XXXX are aggressively pushing Citi AAdvantage cards with XXXX, XXXX or XXXX bonus miles if you sign up and meet a certain spending limit within a rapid time period. They actually hand out the applications forms on flights, there are ads all over airports and there are constant pop-ups on their website. What they DO N'T tell you is that if you 've opened another card in the past 18 months, you are ineligible for the bonus miles. Recently, I opened a card over the phone and the agent ASSURED ME I would get XXXX miles if I spent {$3000.00} in a month. I did it but the miles never appeared. I called multiple times and was told they were looking into it. I finally got a supervisor called XXXX in Kentucky who told me I would not be receiving the miles. This is the height of deceptive advertising. The credit card company has no record of the people in their accounts opening department telling me I would receive the miles ( they say they do not record conversations! ). The company is also enticing people to spend money rapidly on a credit card ( for the miles ) and furthermore they will not simply close the card down and transfer the credit limit to another existing card in a seamless way. Closing the card and losing the credit line adversely impacts your FICO score. Consumer BEWARE.

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 08/21/2017 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 status incorrect

Complaint: I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

Company response to consumer: Closed with explanation