milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Money was not available when promised

Complaint: PayPal is having a glitch where the available account balance on many of their customer 's accounts is not reflecting the sum of the incoming transactions, thereby making it impossible to withdraw the full amount of funds in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I paid off my credit card on the XXXX of XXXX, I paid in full, and now I 'm getting a bill from the credit card company for finance chargers for the month of 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 04/27/2017 about Debt collection (Other debt) with Omega RMS, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX    XXXX  , I was invited to join  XXXX . I felt pressured into buying the  XXXX  membership which I did that day. I realized afterward that I made a very bad mistake and called to cancel but, I was told that I waited too long to cancel and now I was basically stuck with the cost of the membership. I then called the finance company :  XXXX   XXXX   XXXX  and told them that I was no longer interested in Direct buy membership.   I later found out that  XXXX   XXXX  cancelled the membership less than  XXXX  after  XXXX   XXXX  but yet they continued to bill me and eventually sent the account to OMEGA a collection company, this company has sent my account to the credit bureau and has ruined my credit. I have never used the  XXXX  membership and  XXXX  is no longer located in  XXXX  Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I want to unsubscribe to Experian credit report that bills me $ XXXX. I ca n't login because of invalid user credentials. I contacted them 3 times, as early as XXXX XXXX, 2015 to request for assistance but they never replied.

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 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Due to a negative entry on my Experian credit report I attempted to dispute the item. After filling out the online form to proceed with the dispute. Experian stated that I am ineligible to dispute MY credit report and asked for a XXXX fee to have a report mailed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received another call from Citizen 's Bank 's asset recovery division. I do not have any loans from Citizen 's Bank. My XXXX XXXX XXXX son who is still a full time college student has a loan that was sold to Citizen 's Bank. The contact information on that loan at the time it was sold was his, not mine. I did not cosign for the loan and he should not have to make payments since he is currently a full time college student. It is possible that they are calling about this loan. They could also be calling about a debt owed by XXXX XXXX who is not related to me and has never used my home phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Alliance Data Card Services (CA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I used my PayPal account which years ago set up a line of credit for me based on my good credit rating, called PayPal Credit, linked to my PayPal acct, to transfer {$100.00} into the account of an organizer of " Meet-Ups '' for a weekend rafting trip. The lender for PayPal Credit accounts is Comenity Capital Bank. 

On the day of the trip, the receiver of my money informed me of various facts not previously disclosed, adding many miles to the trip and other disclosures about the area which I 'd not been informed prior to paying him. I did not join the " Meet-Up '' trip, nor get anything I 'd paid for & requested he credit me for the money. He refused and he used the date of payment for the trip as the same date for any refund, even though he omitted substantial disclosures until 3 days later, XXXX XXXX, XXXX, the date of travel, so I filed a dispute with PayPal/PayPal Credit. 

PayPal first summarily denied my dispute without so much as reviewing any information I sent them, since the trip promotion emails & emails on the day of travel confirm my statements. I asked for an appeal & provided the email documents from him. Those documents were received into their resolution center, under my dispute. However, the following transpired showing a total lack of any cooperation or action from the Protection Services Dept.  agents, in the resolution center. 

On XXXX, XXXX of " Protection Services Dept. '' stated " I can see your issue was resolved '', which made no sense, was vague and nothing had been resolved. This was after receiving the emails which contained the proof of claim in dispute which I 'd sent to be reviewed, Next, I received from XXXX, " Protection Services Dept. ", on XXXX at XXXX XXXX a request that the emails I submitted be " screenshots '', rather than sending the emails the only way I 'd known to do to the email address given to me. So, I complied and learned how to send the emails on my tablet as screenshots, and then sent them to their email address the only way & address I 'd been given by them. Next, on XXXX, XXXX XXXX the third agent, XXXX, " Protection Services Dept. '' sends me a completely conflicting message, now saying that the information can not be sent that way & needs to be sent differently wording her response at if it were to an inquiry instead of an on-going appeal/dispute, and in the resolution center mailbox, it now shows my dispute as no longer open. I will print and now fax the emails one more time, as of XXXX XXXX, XXXX, but have no faith whatsoever that any action will be taken, as not one agent of the 4-6 Ive spoken to in the process of this dispute even acknowledged,  accepted nor read my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Balance transfer

Complaint: I purchased windows through XXXX, and they offered 15 months 0 % financing through Wells Fargo. 

I have been paying regular payments to Wells Fargo for this 0 % interest program and noted they opened a new credit card account in my name and transferred the balance owed to the new card account. It appears based on the statements, that this took place in XX/XX/2017. I did not request Wells Fargo to open a new card on my behalf, nor was an explanation given as to why the new account was opened and the funds were transferred.

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 05/28/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I sent a letter of debt validation  on   XXXX   XXXX   XXXX   and they ignored my letter and sent me the attached letter which I received on   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.

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 03-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Date : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : PLEASE UPDATE MY CORECT ADRESS TO MY FILE XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed on  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (OR).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: First an old roommate got a call on HIS cell phone asking for me. Then they gave him personal info about me, asking if he collected my mail. He said sometimes. They were screaming, threatening, and then hung up. Then a few weeks later, they came to his door and gave him a few papers with a bill for me ( XXXX XXXX XXXX ) on it, and small claims info, but with no date. Not in an envelope.I, XXXX, never got personally served, and have been recently homeless. I was living at the given address on this document prior to event. I can be reached at email and phone number on this form. Later, at that address, XXXX bills for different amounts came, but from a person Ray Klein, dba another collection agency.

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
Consumer complaint received 04-07-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (GA).
Issue: Managing the loan or lease

Complaint: Reached out to Avant Credit on XXXX/XXXX/2015 as I noticed some discrepancies on all three credit reports. XXXX Credit report would have a status of 30 Days late XX/XX/XXXX while another credit report would report me OK for the same month. I reached out to a Customer Service Rep at Avant and they advised me they would get back to me when they could. I advised the rep that was unaccpatbe ; l as it has been over three weeks and I have not received a follow up call or email regarding my concerns. The rep advised I could dispute with the Credit Bureau only they report information given to them by the creditor. 


I am asking Avant Credit Please update all XXXX reports to show the same information. Pay Status, Balance, Payment, Date Open etc. 

I also went into a payment plan status in XXXX 2015 as I fell behind back in XX/XX/XXXX because of a job transition. 
I went into a payment arrangement and the Payment Specialist adbvised me they would put the amount owed on the back of my loan and I would go into a current status as long as I paid on time. 

Please update all XXXX bureaus with the correct information as I do not want to rectify this once I am going for a home mortgage. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have received over 30 calls in the last 20 days from Suntrust Mortgage to collect a debt on my mortgage account. It is documented on my cell phone. It is intentional harassment, which is part of Suntrust business practices.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: in 2006 XXXX, I refinanced my XXXX apartment buildings with Washington Mutual. The person was a saleswoman working for Washington Mutual.we refinance the loan, and it included a Yield maintenance clause. this clause was explained to me in great detail by the saleswoman. And it goes as follows as she told me. 
This is not the same as prepayment penalty because there is no prepayment penalty with this loan. This is maintaining the yield. So if the interest rate goes up during the time of the loan, and you want to pay off the loan, the bank can easily lend the money for another 10 years and make more money therefore there is no prepayment penalty involved. On the other hand if the loan rate goes down by one or two or 3 % whatever,, then you have to pay the difference between what the bank can get to invest the same money for another 10 years and what your rate is and just pay for the duration of the loan. 
This was explained to me again and again and that is why it is called yield maintenance. 
Now I want to refinance the loan, the rates are obviously significantly lower. The 10 year rate is at about 2.2 to 2.4 % .I understand that. So I wrote to the bank that I want to pay it off and then send me back a calculation that is so convoluted and makes no sense to me at all. They want me to pay a premium that is extremely high and is nothing else but trying to take advantage of the situation.. I talked to the bank and they gave me some explanation that I do n't understand. I had the same document looked at by other bankers and they seem to be confused if so convoluted. 
Bank keeps saying that that 's what I signed on the document. And I keep telling them yes I signed the document but this is what I understand I was told and this is what I still understand. They refused to give me the telephone number of XXXX who holds the loan. I have called XXXX also and they gave me your information to contact you. 
XXXX issue of the same loan is that this penalty is supposed to be until maturity and yet I 'm allowed to prepay the entire 180 days before the maturity. But when I want to prepay early they want to charge me till the end.. I 'm confused about that too. 
I 'm writing to this because I am getting nowhere with the bank. Bank involved in this case is Chase Bank. I 'm getting nothing else but runaround and a very rude behavior from these bankers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: I have a Citi Double Cash Card with Citibank. On XXXX XXXX, I made a payment of my full balance by check ( image attached ) XXXX XXXX XXXX, I cancelled the check, fearing it had been lost ( since it had not been credited to my account ), and paid my balance electronically. On XXXX XXXX, Citi mistakenly debited my account for the second payment, instead of crediting it. On XXXX XXXX Citi credited my account for their mistake, but still did not give me credit for my second payment. From that point, I called Citi 's customer service 25 times trying to get a refund for my excess payment. Finally on XXXX XXXX, I was told that the matter was resolved, and that my second payment would be credited to my account and refunded to me within 48 hours. I then requested to close my account on XXXX XXXX. I was told it would take 2-3 business days to receive my refund. I have since contacted Citi several times, and I am continually told that my refund will be issued within a few days. It has been nearly a month since the original promise was made, and I still have not received my refund.

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 07/17/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Late fee

Complaint: Macy 's, now for a third time in as many years charged me a late fee of ( this time ) {$27.00}, plus an interest charge of {$5.00} on my most recent statement balance due of {$280.00}. I mailed the balance of {$280.00} last month ( from XXXX, XXXX to XXXX, XXXX ) on XX/XX/2016. The payment was due on XX/XX/2016. Macy 's posted the payment in their system on XX/XX/2016 ( one day late ... conveniently ) which resulted in them charging me the late fee and additional interest charges. As above, they have done this to me before, and when I call customer service, they are " happy to reverse the late fees and interest for a valuable long time customer. XXXX ( customer service rep # XXXX ) stated that " we always waive fees if our customer is upset ''. I confirmed with her that the call was being recorded. I have closed the account, but I 'd like this investigated. I believe they purposefully hold checks for posting until the account is late, for the purpose of adding late fees and interest. 

I typically have paid my balance in full with them as soon as the statement comes after I have used their card. Again, this is not the first time they have done this to me, and I see quite a few complaints about similar behavior with other consumers on the internet. 

I am happy to share statements or any additional details you may need to properly investigate this matter. 
Thank you!

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 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern ; I am writing with an update per a previous claim I filed within this portal ( Case number : XXXX ) concerning one of my XXXX card accounts. As I stated in the aforementioned pervious case, I have closed this account due to fraud and unauthorized transactions. As of today, the account was reporting in accurately and I am attaching a letter that was sent to me from XXXX validating that the card was both closed and paid in full with a {$0.00} balance. 

XXXX Acct : XXXX Limit : {$4000.00} Balance : {$0.00} Last reported : XX/XX/XXXX Opened : XX/XX/XXXX Please update my credit file to reflect this information. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Settlement process and costs

Complaint: I applied for a loan modification in XXXX if 2015 for the second time in three years with Citizen 's Bank, aka CCO. To date I have not received it. They have been " reviewing '' my file since XXXX this year and claim that it is the last step in the process, with no explanation on why it is taking so long. This has been the most frustrating process, with their loss of documents, asking us to send again and again the same thing, and then forced to wait.

Company response to consumer: Closed with explanation