milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2016 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Transaction issue

Complaint: Once again a problem with checkout at Ebay and Paypal. I filled out my credit card information for {$75.00} payment for Ebay item XXXX ( XXXX & XXXX DVDs ). I specifically bypassed all the buttons for Paypal and Paypal Credit and specifically clicked on credit card filling in all my XXXX XXXX XXXX information. I verified that the tick mark near credit card was active. I hit submit payment. The payment went through Paypal Credit and NOT my XXXX XXXX. I attempted to resolve this with Paypal ( XXXX ) and she said she would check and came back and stated they say no system issues. Incredibly enough that is similar to what occurred with a prior checkout that promised Paypal Credit and then did not appear at checkout. I have attached a whole forum of people that have had the same issue and yet Paypal ( and Ebay ) deny any wrongdoing or issues. She said I should contact the seller to refund the money so I can check out again for my preferred payment method. I am not going to taint my transaction with a new seller by yet another foul-up by checkout systems. My payment method of XXXX XXXX was diverted against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 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: The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I worked for Wells Fargo for about 2 yrs. In that time, I took out a loan and made my payments. Once I left the company due to the companys unethical behavior, and out laddish sales goals. I counited to make my payments which where automated by the company to come to be taken out of my account. The company then waiting 5 months to inform me that my payments werent being taken out. I set my automated payments once again and was back on track with payments via the company. A few months pass and again I get a call from the company stating I am behind and my payments have not been taken out. At this point more, money and fees had been taken out. I would like this removed and off my credit. Wells Fargo has taken advantage of its customers and I should not be penalize for unethical behavior. 

Thank you, 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 02-04-2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.

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 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian and XXXX have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of Experian, XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted Experian and XXXX come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX '' immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled my XXXX ( mifi ) service in XX/XX/XXXX. XXXX continued the service and continued billing me for three months after contacting them XXXX times. They show that I owe {$110.00}. I have sent letters, community care posts, made phone calls, sent proof that I did not use the service, and told same to collection agency. They stopped calling and sending collection notices for a while, but started again ( XX/XX/XXXX ). XXXX is still showing money owed and the debt / collection is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NJ).
Issue: Fraud or scam

Complaint: Last week i was surpose to get my money in my rushcard account but my money was not in it. I called some many times. I would look on my account. To see if it posted and it is not. Now it the last week of XXXX and i still did not received my last week pay. What is going on. I need my money now. I know i have my money in the account but with the glitch and cant access my account i have no money now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I enrolled in the income based repayment plan with Navient during my XXXX, they told me that the income based repayment will qualify me for the public service student loan forgiveness program. I paid my loan payments on time. When I graduated XXXX and went on to XXXX, I found out that none of the payments I had made to Navient were eligible toward the loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been XXXX ( XXXX, Michigan ) for 20+ years as a XXXX. In spite of my dedication to XXXX, I am unable to write off any of my student debt. I neither qualify for the XXXX Program or the XXXX XXXX XXXX XXXX Program. The interest rate on my loans are 6.875 %, and I am unable to get a significant reduction in the interest rate. There are multiple " quirky '' rules that I am up against in getting any relief. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 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: Account status incorrect

Complaint: My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
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There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company put a negative collection against my credit reports. The states joint account, I am not even marrieds nor involved with anyone. This is not my debt.

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 09-03-2015 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know which XXXX XXXX XXXX is this account reported to you

Company response to consumer: Closed
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I received an offer to get XXXX XXXX miles from Citi Bank after opening a Citi Gold account and completing the requirements. I received a letter in XXXX stating that I had completed the requirements and I would receive the points within 90 days. The deadline I was given was XXXX XXXX. I did not receive my points so I chatted with Citi and spoke with XXXX on XXXX XXXX. I was told I would have an answer by XXXX XXXX. On XXXX XXXX I still had no answer so I chatted Citi online again and spoke with XXXX who told me I would get a response by XXXX XXXX. 

I called Citi on XXXX XXXX and spoke with XXXX who said he was opening up a second investigation into the situation. He said we would hear something by Wednesday XXXX XXXX at the latest. 

I called today and spoke with a manager named XXXX who said Citi had " run out of miles '' so we could not get them until at least XXXX. 

I have been told so many different dates and none of them are true. I have waited long enough and I need help figuring this out.

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 10-04-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I got divorce in XX/XX/XXXX. My ex-wife retain the home and responsibility for the mortgage payments. In XX/XX/XXXX, she fell behind and eventually went into the foreclosure process. Wells Fargo agreed to modify the loan. They instructed the housing counselor in the XXXX Save Home Program to have me sign a quick claim deed to remove my name from the title/deed so that they could modify the loan in my ex-wife 's name only. I signed the quick claim deed. I was removed from the deed. However, Wells Fargo did not remove my name from the loan. They modified the existing loan keeping my name on the loan without telling. The loan modification documents were never sent to me for signature. I found out because Wells Fargo is reporting negative information to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have called GSMR multiple times over the last year regarding my loan payments. I have been enrolled in autopay for a number of years and noticed in XX/XX/XXXX my payments stopped being collected for no apparent reason. I was informed by GSMR that this was because I entered a graduate program and the loans were in deferment. I requested that my loans not be placed in deferment, and that I wished to continue making payments on my account. I was informed by a customer service representative that I would occasionally miss one month, as their process was automatic, but there were notes made on my account and the autopay would pick up the following month. Whereas I didnt fully approve of this explanation, I went with it as I didnt feel like fighting. I notice today that apparently they have not pulled a payment since XX/XX/XXXX. I feel this is an unethical business practice, as they cancel my autopay, with no notice to me, and continue to rack up interest on a loan that I have been attempting to pay. This organization makes it so difficult to repay your loan in hopes that they can continue to collect interest from you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In response to a Experian credit report issue, they continue to report XXXX inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XX/XX/XXXX-XX/XX/XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately. This account specifies in the payment status that I was late when I never was and the reporting history does not even reflect it it actually contradicts it. Please delete immediately. Also be advised this is new and material evidence that was suggested. You are bound by FCRA, FTC and HEA laws please follow them.

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 10-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm having difficulties with ( free ) access to my credit report through the credit agencies. It appears that because I have requested a credit freeze the agencies have prohibited online access to my report and require me to submit a request by sending sensitive document copies through the mail. This article describes the problem I 'm having in more detail : XXXX I realize that it is not in the agencies ' business interest to make it easier for consumers to get free reports, but the barriers they have established are eroding the consumer rights granted by the Fair Credit Reporting Act and I think it is time to make a correction. 

Authentication could happen one time via the XXXX website and then allow the consumer to create credentials for future authentication. This would eliminate agencies using incorrect information for the authentication challenges and using credit freezes or data entry errors as an excuse for denying online report access. 

Thanks for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called Transunion, XXXX, and XXXX to make sure my fraud alert was put on my file, Transunion and XXXX are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all XXXX credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.

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 08-08-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Late fee

Complaint: I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.

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 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that midland funding did not report this to you but a data Minor did there is a not a court in the country that verifies the stats of a Judgment. I called the Circuit court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka A data Minor the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds

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 08-11-2017 about Mortgage (VA mortgage) with United Military Mortgage, LLC (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We called Low VA Rates to refinance our mortgage for a lower rate. In XXXX 2017 Low VA Rates requested a pay off from XXXX XXXX. The cost was {$30.00} that was to be paid to XXXX XXXX by Low VA Rates. This was not done. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. On XXXX XXXX, 2017 another request for a pay off was made by Low VA Rates to XXXX XXXX at another {$30.00} cost. This was to be paid to XXXX XXXX, by Low VA Rates. This was not done again. Now we have {$90.00} added to our Mortgage payment each month until Low VA Rates pays the money to XXXX XXXX to pay this off. According to Low VA Rates we are to pay this, but we did n't request the pay off Low VA Rates did. We hope you can help us. Husband is the Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Checking or savings account (Checking account) with KEYCORP (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have had several incidents with  Key Bank  where they take the debits before the credits on the same day. As I have looked over my statements, they have done this for years, I just did not know the law. When I caught this finally in  XXXX  o f 2017 th ey refunded  XXXX   ( 3  XXXX   XXXX  ). Yesterday it happened again, a deposit and check on the same day. It appeared online as they both went through yesterday a deposit of  XXXX  and a check of  XXXX . They charged me  XXXX  fee. I deposited at  XXXX  ish and the check had not yet went through. They said its all timing. So my total deposit was n't ready until this am and the check went through sometime after  XXXX   XXXX .     I called corporate and talked with  XXXX  who told me I have to try and get the refund back from my local branch.     Completely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions.

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