milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Student loan (Federal student loan servicing) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My husband and I have a lot of student loans from his time in XXXX school. We are both employed and are working hard to pay them off as quickly as possible. We would like to refinance them in order to receive a lower interest rate. In order to refinance, I need to obtain copies of current statements of all of our loans. With XXXX of our lenders, this was a very easy process, and I was able to retrieve the statements electronically on the website. But with the other lender, I was not able to retrieve the statement for myself. After a lot of searching, I finally found instructions to email customer service. I did so on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a response stating that due to their policies and because our account was on autopay, they would not be able to email or fax a statement to me but would send one via postal mail. I was not provided with any further detail on this policy or with a copy of the formalized policy. I was told, " I have generated a statement for you, however this statement will only be generated through standard US Mail. Please allow 7-10 business days for the statement to be received by mail. '' On XXXX XXXX, the 10th business day after this exchange, I still had not received a statement, so I emailed customer service again. I was told that the original email was not intended to communicate that a statement was actually generated on XXXX XXXX ; rather, a statement had been generated on XXXX XXXX, and I should expect it within 7-10 business days from XXXX XXXX. I have not received any acknowledgment that I was misled in the original email other than customer service saying that they are sorry that I misunderstood. XXXX XXXX, yesterday, was 10 business days from the second date I was given, and I still have not received a statement. Throughout my emails with customer service, I have tried to clearly express exactly what is the cause of my frustration and have received only the tritest replies. I have never actually even been given the name of the person responding to my emails ; they are all signed " Thank you, XXXX XXXX. '' I find it absurd that 1 ) I was not able to retrieve the statement myself, and 2 ) it is now nearly a month since my original request, and I still have not received a statement. I need this statement in order to refinance our loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called Transunion In  XXXX   2017  concerning this dispute -- the representative transferred me to a supervisor who was very rude and disrespectful. First of all there is no one there that can speak  XXXX  which I felt was a huge barrier and caused our issues. I did not get my point across to explaining my case. I have been trying since  XXXX   2017  to dispute this case contacting the clerk of court and they clearly stated who this account belongs to, Transunion would not tell me what  3rd company they verifed this information thru and as you can see I have a freezes on all these 3rd par ty compainies and I just want proof from them this is my account because the clerk of court says they do not even verify that type of information anyway. My call with this company was an epic fail.

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 05/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EOS CCA ( XXXX ) I have a a unverified account from. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt XXXX purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: I had an account with PayPal ( PayPal XXXX, XXXX ) and Paypal processed a payment to my account from a buyer, who has purchased a watch from me. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. The bank-issuer of the buyer 's credit card initiated an unauthorized transaction request. I have provided Paypal with all the requested records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID at delivery. Paypal reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. PayPal reps also confirmed that the buyer 's bank HAS NOT provided any information regarding the case. BUT in about a month Paypal has withdrawn the funds ( {$5800.00} ) from my account without my consent and transferred it to the buyer 's bank. PayPal reps has provided the following explanation : - The buyer 's bank has hundreds of millions legal budget and I do n't. 
- The bank has to provide NO information on the transaction in question and PayPal would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Paypal to deliver the funds back to my account and let the buyer 's bank to deal with the buyer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled an account with XXXX XXXX in XXXX XXXX. In XXXX, they still sold my account to Pinnacle Credit Solutions and Pinnacle has been reporting it to the credit bureaus since then. I have disputed this account every year when I review my credit reports but never really followed up with why it was n't dropping off. This year I 'm purchasing a home and looking into everything on my credit reports and getting little to no assistance from either company. In XXXX XXXX, XXXX XXXX purchased my account back from Pinnacle after they realized it had already been settled and sent Pinnacle and the credit bureaus deletion letters to have the account deleted from my credit report. Pinnacle continues to report my account even though they do n't own it. How is that allowed? When I do call Pinnacle, they are very rude and insist on transferring my call to a subsidiary company that manages the account, XXXX XXXX. XXXX says that according to their records my account was paid on XXXX XXXX, XXXX which is still inaccurate information. However, they maintain that they made Pinnacle aware of the payoff and that Pinnacle should 've ceased reporting the account at that time ; almost 2 years ago. So even though Pinnacle does n't own the account and their management company says the account was paid, they continue to report this to the credit bureaus even as late as XXXX XXXX, XXXX and nobody seems to care to do anything about it at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX I received a statement from XXXX and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) XXXX continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by XXXX asking why a bill was n't being paid. At that time I was shocked to hear that I owed XXXX anything and requested more information and an investigation about why or how I owed any bill. After being told by a XXXX representative that there were no purchases made on the account I requested that the monies be returned to me which XXXX initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask XXXX to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XXXX early XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested XXXX to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue XXXX for the egregious error they have made on my credit record. I had no derogatory information listed from XXXX on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

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 08-02-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom it may concern : I attempted a Second Chance Bank Account at XXXX XXXX XXXX yesterday in Michigan and the teller was unable to proceed due to the Fraud Alert based on my address being a " Restaurant/Bar ''. A mistake was made when the addresses were filled out, and not because of me. I used to have a " XXXX XXXX '' mailbox at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. XXXX XXXX is similar to a XXXX XXXX allowing customers to get their mail at a box. XXXX stores down was the XXXX XXXX, a restaurant which has moved. I am unaware if a new restaurant moved in. There is also a XXXX 's store, a fitness gym, Social Security Administration. Please view the link which will show that the address XXXX XXXX XXXX XXXX is XXXX XXXX. XXXXPlease delete the wrong addresses. It is causing me financial harm and I never applied with these wrong addresses. Further more, I am a victim of Identity Theft. One of the police reports : XXXX XXXX, MI is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my husband and I, jointly, refinanced our home through Ocwen Financial Corporation. In XXXX we filed a Chapter XXXX Bankruptcy confirming our mortgage through Ocwen. We were able to overcome financial difficulties and become current on our mortgage. In XXXX my husband died and I continued to pay the mortgage. I have perfect payment history. My credit history shows only the XXXX Chapter XXXX and NO PAYMENTS to Ocwen. I have called and written several times asking them to correct this issue. They have done nothing. My credit score is adversely affected by the negative reporting and I have no positive payment history because they have refused to correct the reporting. I think this is a violation of my rights as a credit consumer. I have made repeated attempts to correct this through Ocwen and the XXXX. Please let me know what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Getting the loan

Complaint: I was refused a loan I qualified for. I applied for a loan at California Check Cashing Store located at XXXX XXXX XXXX, XXXX XXXX XXXX on Saturday XXXX XXXX, 2017.I submitted all required documents and filled out a for.I was told in order to qualify I must make at least {$2000.00} a month.The clerk who assisted me, XXXX, was begrudgingly processing the loan and said I was approved for {$2500.00} ( the max loan amount is {$5000.00} which I was trying for ). She then said she had to call 4 of my references. Two of them did not respond, so I provided two more she was able to contact. Then she told me she had to contact her supervisor before approving my loan. I waited for some time. Next she asked for a copy of my old id ( I had changed my name years ago ) which I provided. Now XXXX insisted her supervisor was going to call me and there was nothing more she could do for me. I never received a call from XXXX or her supervisor. I called back and XXXX told me they decided to deny my loan but could not provide a reason and to come back to the store to retrieve my application and copies of my documents. I returned and was provided a letter stating I was denied a loan due to the checking account I used could not be verified or did not have a sufficient balance at the time the loan was requested. XXXX never stated I had to have a certain amount of funds in my account prior to applying for the loan. Also the bank requirements was that I had to provide two most recent bank statements and a voided check ( which I did ). My current pay stub shows direct deposit into this account. I recorded this conversation with XXXX who stated I was denied for this reason by her supervisor even though I provided all documents and qualified to " apply '' for {$2500.00}. I asked for copies of my documents including the voided check and was told by XXXX she already shredded the papers. I feel I was discriminated against for getting a loan. I provided all required documents and references. My credit score is fair ( I have no bankruptcies ). I make decent income. I only needed this loan due to a temporary setback but I pay all my bills on time. I have applied for loans in the past and was never treated in such a manner. I am reaching out for assistance because I really needed this loan ad feel I was denied on the basis of my race or sexual orientation. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a XXXX credit card account that had a limit of {$1200.00}, it did not have a balance nor did I owe them anything. However, due to them receiving erroneous false information from XXXX XXXX, XXXX and or XXXX, siting that I had other derogatory account information they closed my XXXX account. The derogatory accounts are under dispute as they were fraudulently opened by someone within my household. This account closure is having an adverse effect credit file and lowering my FICO. 
.

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 12-07-2015 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (CO).
Issue: Managing the loan or lease

Complaint: My first payment was due XXXX/XXXX/15 and it was setup to come out on my credit card automatically. I logged in on XXXX/XXXX/15 and there was red letting telling me my account was overdue and I had the option to make a XXXX time payment. I assumed the credit card transaction failed so I made a XXXX time payment with my checking account information on XXXX/XXXX/15. I then went in and set up future payments to not come from my credit card but to come from my checking account automatically, because it appeared my credit card did n't work since it said I was past due. Well, XXXX payments ended up coming out of my checking account. The first payment cleared on XXXX/XXXX/15 and the second on XXXX/XXXX/15. I immediately contacted Citizens XXXX on XXXX/XXXX/15 and explained that XXXX payments came out and I would like for XXXX payment to be credit back to me. The representative opened a " case '' and told me it could take up t0 15 days for my money to be returned. I waited until XXXX/XXXX/15 and contacted Citizens XXXX again and asked why my money had not been returned. The representative could not tell me but again opened another " case '' for someone to call me within 5 days with a status. I talked with my credit union after the call with Citizens XXXX on XXXX/XXXX/15 and they took XXXX of the double payments back from Citizen XXXX on XXXX/XXXX/15 ( they called it " MISCELLANEOUS CREDIT ACH RETURNED TO FED '' ) and the money was credited back to my checking account. I never received a call from Citizens XXXX with a status but their system does reflect a returned payment on XXXX/XXXX/15. Now, here is where I 'm concerned and Citizens XXXX has still failed to provide me with a clear concise answer. My bank account reflects the proper number of payments being made to Citizens XXXX ; however, based on the " Payment History '' on their website I have shorted them XXXX payment. Now, if you look at their " Transaction History '' I have made the proper number of payments. The last time I called Citizens XXXX was on XXXX/XXXX/15 where I simply asked the representative if my account was current and in good standing. She could not tell me wither or not it was over the phone and again a XXXX " case '' was opened up as a " complaint '' to have someone higher up call me within 2 days. It 's has been over a week now and not once over this entire situation has anyone at Citizens XXXX contacted me in regards to my XXXX, XXXX, or XXXX case. The phone representatives at Citizens XXXX do not have adequate information to answer any questions and the " cases '' seem to vanish as soon as they are entered.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Again today We had to send an document that had been previously sent many times. This is causing financial hardship on my mother. She is XXXX and has been trying for three months to get a modification with SP Servicing XXXX Loan number XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: For the past three weeks, I 've been getting bombarded with convenience checks offers from Citibank in the mail. I wrote one convenience check and I deposited into my bank account at XXXX. A couple of days later, the check was returned by Citibank citing that I exceeded my credit limit and I was charged {$15.00} returned check fee by XXXX. 
The marketing materials that Citibank sent, one a week, is very misleading. The marketing materials tell you what your overall credit limit is. Then they tell you in another part of the marketing materials what your available credit balance is, but in fine print are the charges and fees that are charged. 
In my opinion, the presentation of the cost of the fees is buried in the marketing material and is misleading. The marketing materials are misleading since the fee are not explained properly and is in very small print as opposed to your credit limit and available credit is in a larger font. I would like Citibank to reimburse my the {$15.00} returned check fee charged by XXXX via a statement credit on my Citi Double Cash credit card statement. In conclusion, I believe the marketing materials are misleading and I should be reimbursed the {$15.00} charged by 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 monetary relief
Consumer complaint received 03/20/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Well Fargo input my loan as a $ XXXX/month payment. It made it nearly impossible for me to get a car loan as this made my income to debt ratio over 300 % ...

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