milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: One day Paypal put a limitation on my account. They told my friend, who I sent money to, that I had been " hacking into accounts. '' ABSOLUTELY not true. They pulled the money back from my friend 's account and put a hold on my account. I provided every bit of information they asked me for and they kept asking for more stuff. I would submit something, it would be approved, and they would add XXXX more things. Finally, they said my account is " related '' to the accounts under the following e-mails " XXXX '' and that {$500.00} is owed. So they have locked up {$1800.00}. They even went into my bank account and made an unauthorized withdrawal of {$29.00}. I do not owe Paypal ANY MONEY and it 's illegal for them to be holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Consumer Loan (Vehicle loan) with Automotive Credit Corporation (FL).
Issue: Managing the loan or lease

Complaint: To Whom It May Concern, My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX, 2016 last payment late my last payment was in XXXX XXXX, 2016 and on XXXX my payment history for my loan has been removed why would they do this. I strive on paying my bills on time and after 5 years paying {$11000.00} dollars being charged in interest a total of {$22000.00} dollars for my truck I do n't deserve this. I have n't checked XXXX because this information on my credit is incorrect and very harmful to my credit score I will check XXXX and give you a follower up. Thank you in advance for correcting this problem Now 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 12-09-2016 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: Billing disputes

Complaint: I had an issue with Wells Fargo and their ACH Payment system. 
The first payment ACH was set for the minimum payment. But they charged me the full amount. This happened on XXXX/XXXX/16. I called them about it and they fixed it. And the automatic payment was XXXX after-that. However, they made another attempt AGAIN on XXXX/XXXX/16. I called them yet again and they said they fixed it. BUT on XXXX/XXXX/16, they tried again. Therefore, I have XXXX insufficient item. I did not authorize the second and third payment! OTher people are having this problem and Wells- fargo even though I called them XXXX, IT DID NOT GET fixed when they said it did.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In  XXXX     2017, I sent  a request to each Experian,   XXXX   and  XXXX   XXXX  regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows : Experian : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert   XXXX   : Has failed to make any response to the request.

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 11/21/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all XXXX of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently checked my credit and I noticed my reports for  XXXX ,  XXXX  and Experian contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows  :   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Experian :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I also think that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were placed on several different dates.

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 03/31/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2

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 11/21/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Yesterday evening, XXXX XXXX, 2017, I was in the XXXX XXXX XXXX Store ( # XXXX ) and purchased a XXXX  bundle. 

I had had a XXXX XXXX credit card for years, also through citibank, ( always in good standing ) however earlier this year it had been shut down due to inactivity. To purchase my new camera and take advantage of the 18 months zero interest financing that was being offered, I applied for a new XXXX XXXX  credit card ( through Citibank ) in-store. Before approving me, the sales rep was prompted to call the bank for further information. I spoke with them, verified my social, DOB, address, and cell phone number where they sent me a text with a code that I had to read back to them. Thereafter I was approved for a {$6000.00} credit limit. 

After attempting to use my new XXXX XXXX credit card to make my purchase of {$2100.00}, it was declined. The sales rep was then prompted to call the fraud department. The fraud department with the bank kept me on the phone for well over 30 minutes ( and after the store had already closed ) transferring me from person to person keeping me on hold for extended amounts of time which seemed intentional, hoping I would give up and disconnect, and then finally sent me to a manager. The bank told me they could n't verify my identity because my cell phone number did n't come up in my name when checking public records. Yet, the SAME bank just verified my identity by sending me a text message that I had to read back to them- which was good enough to approve me for a credit card but not make a purchase? How my phone number has anything to do with my new credit card I was approved for I do n't know ; however, checking public records and using the information to determine credit eligibility and verify someone 's identity is against FCRA, the Fair Credit Reporting Act. It is absolutely ridiculous that they 'd approve me for a credit card, however, would not allow me to use it. At the end of it all, I applied for a credit card, which hurts my credit score, for a credit card that I was n't allowed to use and now absolutely refuse to use. 

I worked at XXXX XXXX for over 3 years and have never seen this type of thing happen, not once. I plan to take this as far as I need to get this rectified. 

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 11-03-2016 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Closing/Cancelling account

Complaint: there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove this

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 06-06-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sent a certified letter dated  XXXX / XXXX / 17  requesting the company complete the items requested in the letter to Validate the disputed amount owed.     They responded with a letter Verifying the account. They did not furnish the requested information Validating the amount they say is owed 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 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I noticed that I have inquiries on my report that I do not recognize, THIS IS NOT A REQUEST FOR ANY FRAUD ALERT. This is a final demand for removal of unauthorized credit inquiries from my credit report. I have spent yesterday and this morning on the phone making calls to these companies and have made the proper notes and I am demanding that you stop sending me letters stating that you have to list any inquiry on my credit. This is a total lie You are only suppose to list an inquiry if it has a permissible purpose and you must show proof. If the companies listed are called by me and they either state to have me dispute directly with you that they did not have the right to pull my credit or they are NOT showing my information in their system I would say that is NOT SHOWING A PERMISSIBLE PURPOSE. It is on the news that you you credit bureaus have been fined millions of dollars for deceiving customers. I believe that you just stick hard inquiries on a credit report to lower a persons score or to make it look bad so they do not get extended credit. Regardless I took the time to call each one so you must now remove these from my credit report. You do not have the right by law to report these as there is no permissible purpose.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a Charter One/Citizens Checking account back in XXXX of 2015 and it 's been a nightmare since. I 've been charged at least $ XXXX {$2000.00} in overdraft fees. Some I am at fault but a bunch of others I am clearly not at fault. I have called their customer service line 4-5 times throughout the months and what 's available online with the customer banking is totally different than what shows. The call I made today was in regards to XXXX overdraft fees that randomly popped up. So I called, once again to see why. I was told they were for XXXX transactions that posted on the XXXX ( not once showing me in the negative ). Needless to say they have gotten me numerous times and they can no longer get away with what they 're doing. I signed up with them because I was told the only " overdraft '' fees I would to incur with be on outstanding " checks ''. I liked that idea because I do not want to spend money I do n't have. Back in XXXX I had called asking what the overdrafts were for they told me they can occur with an instant ( XXXX ) transfers as well. I have mostly a positive running balance as you will see with the attached documents I provided. PLEASE investigate this as I am sure there are a lot of others dealing with this. It needs to stop. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please be advised that we applied and were approved for loan modification by Bank of america after a year of processing. 
The documents were sent to us and the cover sheet says important to have documents back by XXXX XXXX XXXX we used XXXX to track and they were confirmed back at bank of america on XXXX XXXX XXXX we waited and aprox a week later new documents came to us that said you must re do the loan mod documents as the notary is not correct. we went again had notarized and returned by XXXX on XXXX XXXX before the due date XXXX we did not hear back and then we started to call we spoke with nice woman XXXX daily at bank of america XXXX she stated, recorded. " this happens all the time bank of america is very particular. she sent a new set of documents. they did not come. we called spoke to XXXX our single point contact he sent XXXX more packages. on XXXX XXXX XXXX we received XXXX LOAN MOD PACKAGES all at once at large mailbox we direct all large packages to go to, our regular mailing address. nothing was received at any other address. we immediately noticed that the cover sheet said docs back to them bank of america by XXXX XXXX, so this would be impossible. as it was now the XXXX of XXXX XXXX we went to branch of bank of america this time and spoke to asst to mgr XXXX his name XXXX, every fine and we should come back monday the first appt with XXXX at XXXX XXXX XXXX XXXX we did. signed. she notarized and returned docs XXXX we were then contacted by bank of america and called and spoke to XXXX XXXX she was very abrupt and said you are denied because you did not return the docs on time. she would not discuss further. we are filing this complaint as we made the XXXX payments required by bank of america for loan mod and we returned the documents as quickly as was humanly possible. we are not at fault here and we wish bank of america to honor its commitment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I obtained loans from XXXX XXXX ( now Navient ) starting XX/XX/XXXX - XX/XX/XXXX for XXXX and XXXX school. Upon graduating, I contacted XXXX XXXX to request an income-sensitive payment plan since I was not making enough to pay the large amount that they stated I owed. I was told that there was a plan to I could do to reduce my payments. The next month, I saw that there was no payment due. I contacted XXXX XXXX to inquire why and they said that I could decide to make payments or not to, but that it wasnt required. I made payments and eventually saw that there was a small amount due each month and then after a while the payment due was huge even though I had been making payments. Flash forward to today where I have been making payments monthly for 5 years or so and my balance is not going down ... at some point the balance actually went up. I have tried repeatedly to call XXXX XXXX to get a transaction sheet of all payments and credits that I have made on my loan and was told that information is not available. I have been trying to get someone to look at my account for years to help me understand why my balance does not go down. After calling last week, I was told that they cant see back that far. I was also told that my loan was put on forbearance and not an income sensitive plan during which time it was accruing interest. I have been making over-payments for the last year and the balance still doesnt go down. HELP!!! There is no way that I can be making payments on time for this long and owe more than when I started with the balance not moving. There is something not right about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CT).
Issue: Settlement process and costs

Complaint: This complaint is being file against Wells Fargo Home Mortgage, Property Loss Department ( henceforth described in this complaint as XXXX XXXX. 

On XX/XX/2016 I received a check for {$7500.00} from my homeowner 's insurance for repairs to be completed on my home due to ice dams and water damage. To this date, XX/XX/2016, XXXX has been consistently inconsistent in their communications with me in order for me to hire a XXXX, proceed with the repairs, and release the funds that have been held up in escrow since XX/XX/2016. 

The XXXX process unreasonable, at best - you never know who is going to answer when you call ; they do not give out phone numbers or extensions ; they do not allow you to have XXXX point of contact ; if someone calls you they will not give you their last name ; they will not back up anything they say to you in writing ; when you ask to speak to a XXXX they put you on hold, disregard your request or say they can connect you with another XXXX or Supervisor ; every person relays the wrong information, a fragment of the correct information, and/or can not find the correct information in your file ; and, if you do not continually call and follow up on any action that you have taken or expect them to take, it will be swept under the rug until you make contact with them ( only to get another bizarre explanation/excuse ). Due to their inadequate communication and complex process, I have had an arduous time securing a reputable XXXX within my budget and my household is now at risk to the elements of winter 's approach. The pending repairs have also prevented me from renting XXXX of my rooms and I am unable to use another room for my studio work. This process has been excruciatingly cumbersome and nerve-wracking ; draining me physically, emotionally and financially. 

The following*** is a detailed log of my attempts to resolve my home repairs and an accounting of the monotonous conflicting communications with the XXXX since XX/XX/2016. 

***PLEASE SEE ATTACHED FILES FOR MY FULL EXPLANATION AND COMPLAINT

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 03/23/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I went into a XXXX Branch at XXXX. to open an additional checking account. The banker saw all of my accounts with them and offered a Home Equity line of credit product. I gave her and her manager my information on my home. I advised them that XXXX had my mortgage and my Principal balance was $ XXXX. They estimated my properties value at $ XXXX without an appraisal. The were working on their calculators and insisted I had enough equity to apply for the line of credit so I started the process. I received a call 2 days later from the manager and he told me I could not move forward with the application. I asked why not? He said there was an issue because my mortgage was not with Citibank. I said I told you from the beginning it was not with Citibank, that it was with XXXX. You even told me that was OK and did n't matter. Then he stated because there was not enough equity on the property. I asked how much was needed? He gave me a number over $ XXXX. I said you already knew I did n't have that because I gave you the numbers. No I have unnecessary inquiries on my credit report. He stated it would n't impact my credit because I had such a good credit rating. I stated I 'm not comfortable with what they did and I wanted them to contact the credit bureaus and have them removed. He said he would get back to me in a few days. 

They should have known that I was not even going to get far with the application process. They knew the numbers were way off to getting approved. With the numbers they had through our conversation, the equity was somewhere around 9 %. When he called me, he said 25 % or 30 % was needed. 

I feel like they just wanted my application to meet some quota. They submitted my application knowing I did n't have enough equity. Is this what Citibank is coming to?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation