milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with SYNCHRONY FINANCIAL (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XXXX, I went to the XXXX website : XXXX, it had a sign up button saying sign up for a free 2 week trial, which I clicked on. I went through the sign up process, and provided my payment method of choice : PayPal ( which used my PayPal Smart Connect credit line account as my payment method ). If I decided to continue the service after 2 weeks, they were going to charge me {$9.00} then. Instead, they ( XXXX ) immediately charged me {$9.00} via PayPal. I immediately started to try and contact them ( MoviePass ) via every way I could : XXXX XXXX & DM 's, XXXX DM 's, direct e-mail, and via their website : XXXX. No one from XXXX has responded to my request of a refund & cancellation. I just want my money refunded & the service cancelled. I never received anything from them. I did n't get a confirmation, reference, transaction ID #. Just an e-mail sent to my XXXX account e-mail : XXXXXXXXXXXX, the subject said : " Welcome to XXXX '' with a link to download their mobile apps from the XXXX XXXX XXXX & the XXXX XXXX XXXX. There was no confirmation, reference, transaction ID #. No one from XXXX will reply, they will not refund my money, they will not respond to any of my contact efforts. 
I started the dispute process through PayPal ( Dispute Case ID : XXXX ). My PayPal account e-mail address is : XXXXXXXXXXXX. The transaction details are : Transaction ID : XXXX, Merchant : XXXX XXXX XXXX, Payment : {$9.00} USD. Yesterday : XXXX, PayPal denied my claim, their reason : " Your claim was denied because you did not cancel the billing agreement before the transaction took place. '' Which does not make any sense to me at all. I signed up for a free trial through XXXX, I was charged by XXXX immediately {$9.00} instead via PayPal & PayPal Smart Connect credit line. I asked immediately for a refund, and a cancellation, but did n't get a response from XXXX, so I disputed the charges with PayPal. I do n't understand why they denied my dispute of my charges, and sided with XXXX. My complaint is against both XXXX & PayPal. Please help me. I am XXXX, and on a low fixed income. Thanks. 
P.S. I did file a complaint against XXXX with the FTC. Here is the reference number : 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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a complaint on X/XX/2017 # XXXX where a pay as agreed status appears as an adverse account XXXX XXXX XXXX. You had 30 Days to complete your investigation into this problem. You are now in violation of the FCRA and must delete the account immediately. Your company will be sued for violation and defamation in court if this matter is not handled in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Other banking product or service) with United One Mortgage Inc. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have already contacted the NJ Dept. of Banking, and due to this being a " federal '' banking issue, they referred me to you ( I know that the NJ Dept. of Banking forwarded to you my file and copied you on a letter sent to me dated XXXX XXXX, 2017 ). I have that documentation and relevant correspondence to submit separately if required, but to quickly summarize my complaint here, I have had fraud committed against me by a mortgage company based in XXXX XXXX, NJ ( United One Mortgage/XXXX XXXX-Owner ). A salesman representing XXXX XXXX, XXXX XXXX, made representations about a HELOC that required some personal funding to help " close the loan '' on a deal handled by United One Mortgage. I was asked to deposit {$5800.00} payable to his company XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. The terms of the short term lending, was I was to have received the original deposit + {$400.00}. That total of {$6200.00} was to be paid " within a few days '' of receipt of those funds. I personally went to his bank and deposited those funds in XXXX XXXX. 
After weeks of trying to collect my money, I found out that XXXX XXXX was put back in prison for fraud/money laundering!! XXXX XXXX never told me that, but only said that XXXX XXXX had a XXXX XXXX and is n't available. However, XXXX XXXX was VERY familiar with my financial arrangements, and he said he would " personally take care of it immediately. '' He sounded sincere and convincing. I did NOT appreciate being lied to about the circumstances surrounding his salesman, but I overlooked that fact, and I let him know that. I only wanted the money due to me. To show my good faith approach, I even referred a friend to do business with his firm AND I did n't want to " hit him '' with additional interest on the money that United One was responsible for. I admired the fact that he took full responsibility for the theft and was wanting to " make good '' on the debt and maintain a relationship to expand his business opportunities. Well, after weeks of phone calls trying to get the status of my money, XXXX XXXX decided to withdraw on his financial obligations!! He became very angry and very disrespectful of me. He obviously was being defensive in his position, but all he did was waste many months of my time chasing what was owed to me. He ended the conversation by saying ... '' I do n't give a XXXX, and you should do what you need to do ''!! When I said I would file a complaint, he hung up abruptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's response to following SPS compliant responses : Based on the generic quality of the SPS responses I assume the following : Attached is my most recent SPS mortgage statement. 

Please note that the escrow exceeds P & I, which is an uneconomic position that I have carried for 11 years. 

Please not that I did not get a principal reduction from XXXX at the point of my XX/XX/XXXX modification. This would have brought be great relief. 

XXXX substituted the principal reduction with a {$140000.00} Deferral. A reduction would have opened refinance options and reverse mortgage My monthly payment after the XXXX modification is higher that my payment prior to modification. 

Today I am seeking a short sale or a long-term principal reduction because I can no longer afford the payments since I am a XXXX XXXX. 

SPS is not interested or willing to investigate and negotiate with me. 
All of my savings are in this home. 

Another interest point in the amortization and home payment history. 
My principal balance remains equivalent to the origination principal after 11 years and paying off XXXX mortgages. 


SPS consistently avoids the Fraud Challenges of the original Mortgage and modification. I would encourage CFPB to instruct SPS to contact and work with the originator and modifiers Sincerely, 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 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this numerous times with Transunion and every time they " update '' my dispute by vaguely adjusting a filed in the tradeline. It is ridiculous on how they break the law on disputes. Well a XXXX XXXX XXXX account was finally removed a a few months ago and then they added it back to my file last month. Never received any letter stating they would add it back. I am in a mortgage review and this is crucial and I am in a sense of urgency. I have submitted a ton of letters and reports and they never directly handle my request concerns. This needs to stop because it is dramatically affecting my credit score. I have attached my last dispute letter and faxed over all credit reports including the one from them showing the tradeline gone.

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 07/21/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an unverified account from AMSHERCOLLECTION SERVICES. I had previously disputed this account. I have never done business with AMSHERCOLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMSHERCOLLECTION SERVICES 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 AMSHERCOLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with North American Credit Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They keep repeatedly dinging my credit reports with false info. It is my son 's debt. They change the dates and for 3 years in a row keeps getting put back into my credit reports in  XXXX  with a new date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax keeps placing unauthorized information on my credit report. A few weeks ago I had to file another CFPB complaint because Equifax refused to correct their errors.     In response to that recent CFPB complaint Equifax sent me a copy of my credit report that shows : ALERT  ( S )  : File Blocked For Promotional Purposes However on  XXXX / XXXX /  XXXX    XXXX  I visited outoutprescreen.com and elected to opt IN to be able to receive preapproved credit and insurance offers.     Furthermore I do not recall ever seeing this message on my Equifax credit report, therefore it is something they have recently added.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ENHANCED RECOVERY COMPANY is saying that I owe XXXX XXXX XXXX. 
I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. 

I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: To CFPB, In response to case # XXXX my attorneys and I previously decided to contact you concerning the bogus addresses on my Experian credit report, as stated by Experian in their response they sent me a copy of my credit report but did not show that the old bogus addresses as having been deleted so once again my attorneys are furious because of what seems to be a game Experian is playing and I remind you CFPB that I have been instructed by my doctors not to be engaged in stressful situations because of XXXX  I have suffered so now its time to take action against Experian..

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 05-11-2015 about Payday loan () with Big Picture Loans, LLC (LA).
Issue: Can't contact lender

Complaint: I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Patient Accounts Bureau calls 3-4 times a day alleging that I owe a balance of {$200.00} ( co-pay ) to XXXX. Spoke to a " XXXX '' who was very rude and demanded that I give him a credit card for this payment and that I should then get a refund from the XXXX? What?!?!? 
I have told them to stop calling me. He hung up when I refused to give him my credit card information. but someone else from P.A.B. has called the next 2 days with the same

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with Med-1 Solutions, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted this company to supply my Medicaid information to have this account rebilled. I have given the insurance information several times to the original creditor to bill. I have contacted my Medicaid representative who states per federal law this debt is not owed and the claim has been processed. I contacted the company to try and resolve off my credit and I was told there is nothing they could do. I am not responsible to pay this debt and it needs to be removed as it is causing me a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am writing in to the CFPB in regards to my Federal loans I have through Fedloan Servicing. I currently owe {$48000.00}. I feel the information that was given to me by several agents at Fedloan Servicing was invalid, and deceiving. This is in direct violation of UDAAP and I have been deceived into consolidating my student loans for a lower monthly payment, doing a low income payment plan to lower my monthly payments to something that is more affordable and manageable for somebody with my income which is roughly $ XXXX-XXXX. In which case my monthly payment increased and are higher that what I would have been originally paying my monthly payment before I consolidated my student loans was about $ XXXX, now I am paying double {$410.00}. The agents told me by applying for a Income Pay as you go Payment plan would lower my monthly payment and consolidating my loans would do so as well. This information is not correct and very misleading. The information I was provided by several agents several calls that I have made since XXXX XXXX to current date XXXX XXXX. I have had to use my forbearance to weight for them to process my information only to have my payment increase rather than what I was communicated. Being in the financial industry and knowing about student loan debt, banking practices amongst other financial institutions this is something I felt would fall under UDAAP and something I would like the CFPB to look further into so college graduates like myself do n't have to go through this experience. If I had known that applying for this payment plan and consolidating my loans would cause my payment to increase I would have never done it to begin with. When I had applied for my repayment plan to decrease and lower my monthly payments I was told I would have to use my XXXX taxes. Being married and filing joint taxes my husbands income would be taken into account. Even though he does not have student loan debt and is not helping me pay back my student loans. Given his income is greater than mine this caused my monthly payments to be higher than what I would have been approved at on my own. So I applied for income sensitive repayment plan because I could not afford a monthly payment over {$400.00}. In which case I was rejected due to that fact that I was already in another payment plan that would last 12 months. Now I am financial hardship trying to figure out how to pay this amount without using my husbands income to help me. I feel all the information I was provided by several agents was misleading, incorrect and deceiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2015 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have had  Wells Fargo  for over several months. I believe they have been stealing money from my checking account. I continually try to add the transactions listed on my account but it never adds up properly,  one day I may h ave a few thousands of dollars but then several days later it would be over drafted without a single transaction occurring. But the second and main purpose of my complaint is because i was  XXXX  in the beginning of  2017  by the  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back  to america I a cted accordingly and notified the bank immediately afte r finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) and did everything correctly. I also notified the bank that I have Military orders that show I was out of country but within two days after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of over   XXXX    transa ctions and over {$1000.00} of my hard earned money was denied.

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 08/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Tribal Lending Enterprise, Inc. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: silver cloud financial charges a lot on there interest. I feel with the high interest this account would be pay off already. I have already pay XXXX on my loan. interest is very high. my fault for not looking at that more. the interest is 831.1206 %. I would like to have account pay in full and name removed from the website and company. I no longer want to be in that trap with high interest on a installment loan. I now understand them more and do not want to be part of that. please remove and correct. 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 explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Last month, I changed my bank account on my Elan Financial Services credit card. I have had autopay setup for a year or more and simply changed the account associated with the autopay . Elan skipped  my autopay on  XXXX , and I reached out to correct them on  XXXX  and they refused, despite it being their error. I repeatedly asked them to correct the autopay error, most recently today, and they refuse.

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