milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IA).
Issue: Other service issues

Complaint: I used Ebay as a selling tool to sell my used XXXX XXXX XXXX XXXX or XXXX driver headlight. The buy contacted me on several occasions and received all necessary information about the product via Ebay messages. My final message to the buyer included the part number and to ensure that the item fits his vehicle prior to buying it as i did not want any returns. I clearly stated that in the listing. Buyer proceeded and purchased the item from me 3 days later {$330.00} ). In addition to this purchase, buyer bought XXXX additional headlight ( {$30.00} ) from me that was in broken condition and was sold for parts only. Upon receiving the items, buy requested a return and stated that item does n't fit and the part # is not what he wanted. I advised that there are no returns. Buyer opened a return with Ebay and Ebay agreed with me ( seller ). The buyer however, is not realizing that he purchased both items from me and was opening the return for the {$30.00} headlight but wanted refund for the {$330.00} item. Then buyer stated that the item was damaged. I immediately contacted XXXX and filed a claim. XXXX examined the package and found that there was no damage and buyer falsely reported the claim. The buyer turned around and opened a case with Paypal which was used to pay for the product. I provided all my messages to paypal from ebay and from XXXX that the buyer was attempting to scam me and XXXX. Paypal reviewed the claim and contradicted all the evidence and allowed the return to the buyer without a valid cause. PayPal was used to transfer the money only and the initial agreement of purchase is held with Ebay. If ebay is deciding against the buyer, PayPal can not make their own decisions and contradict Ebay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Consumer Loan (Installment loan) with Blackrock Mitigation Group LLC (NC).
Issue: Managing the loan or lease

Complaint: Contacted by Blackrock Mitigation XXXX stating we took out a loan in XXXX 2012 we 've requested debt validation letter via US mail they refuse. They sent something via emai but is n't debt validation. They contacted employer stated they had a case against them and myself. I did n't even work for this company when this loan as taken out. I do n't even know if thjs is a valid debt of mine. They have been asked both verbally & letter via US mail to stop contacting me until debit is validated. They spoof their number to make it appear they are calling from the local sheriffs office, as well as XXXX county courthouse, they stated they were the XXXX XXXX county XXXX court as well a law enforcement. They told my employer I was evading them which I 'm not I just want to validate this is or is n't my debt. I 'm afraid I 'll lose my job over them calling my employer.

Company response to consumer: Untimely response
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}

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 03/25/2015 about Mortgage (FHA mortgage) with TIAA, FSB (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with JPMORGAN CHASE & CO. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, XXXX is has reported late payments over & gt ; 120 days which is inaccurate and causing a strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: RE : Experian & XXXX Reporting To Whom it May Concern : I have filed 4 credit disputes with the above referenced agencies regarding erroneous information. All I have received is a statement stating they have checked and confirmed the existence of and correctness of stated report. 
They have failed to prove the listing reporting debt holder is the owner of debt. 
They have failed to show me the debt is mine and that the debt exists. 
Lastly, they do not accurately include my statements of the disputed information. 
These actions have caused me significant harm and cost during the past 18 months. My attorney is preparing legal action against all parties, but recommended that I contact the appropriate government authorities prior to my legal actions against the parties. 
I would greatly appreciate substantial assistance in this important matter. I know I am not the only person who has suffered at the hands of improper and / or illegal reporting of alleged debts. 
I have over {$30000.00} in outstanding debt and more than {$150000.00} in prior debt properly paid, however, their system is incorrectly stating I have a {$19.00} balance owning to XXXX and another {$1000.00} to some XXXX/XXXX company. Experian is also showing a debt to some debt collector agency neither Experian nor this XXXX are able to establish that I am the debtor, nor that either are the owners of this alleged debt. This is unacceptable. 
Please Help. Thanks Very Much. 
Sincerely, 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 03/17/2017 about Student loan (Non-federal student loan) with Monterey Financial Services LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA. 

They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals. 

After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent. 
I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: I moved into my home in XX/XX/XXXX in XX/XX/XXXX I felt behind on my mortgage 3 months my mortgage company offer me loan modification I except the loan modification thinking that they were going to put the 3 months that I was behind in at the end of the loan only to find out that they wiped out the entire 12 years of payments that I had previous from XX/XX/XXXX through XX/XX/XXXX and started the loan over for 30 years. Which mean instead of me being through with my loan and owning my home in 13 years it will now be 25 years at the age that I am now and because of this I will probably never live to be able to retire and will never live to own my home. Which mean that they would get 42 years in payments and probably still end up with them owning the house. I work all my life and will not have my home. That 's un fair this company took advantage of me when I needed help and nowhere to turn to. In reality I paid them XXXX dollars for being behind on my mortgage 3 months which was about 3.000 dollars. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Private Student Loan Company Navient will not work with me on making smaller payments. My co-singer filed for bankruptcy and they did not remove him from the loan. I made 24 consecutive payments and tried to take him off and they still wont. He has XXXX and can not help with payments. I tried to tell them how much i could afford each month but they said that was not good enough. They want a payment that is out of my range of income. When I was making the payments they where coming out of my bank account automatically it ended in XXXX. They started calling me and telling me i was late with payments when it was automatically coming out of my bank. Well my payment arrangement ended in XXXX and I did not know that so they started charging me late fees that racked up my payments. They like to talk in terms that I do not understand and are not willing to work with the payments that I an afford.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I can not LOCK or UNLOCK my credit history on Equifax 's so called TRUSTEDID XXXX website as they advertise. When I called for customer support I reached people in the XXXX who transfered me no less than XXXX times. I could not get a straight answer out of any of them. This whole situation is totally ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Vehicle loan or lease (Loan) with COMPUTER SCIENCES CORPORATION (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: CSC LOGIC inc, XXXX XXXX XXXXXXXX has several contact phone numbers on the statement. Two numbers placed me into, respectively, a survey about whether the XXXX are a good place to vacation stating that participants might win a free trip, and an offer for a " free '' {$100.00} shopping certificate if I paid {$4.00} shipping. In both cases there was no option to skip the advertisement. If I refused to answer the company hung up on me. I tried to open an online account to get information off the website but the statement did not list the site code required to open an account. In the end I called the collections number. When I told the collections rep I was filing a complaint with the CFPB she answered my questions about interest rate and calculations. She told me the number with the ad was the actual customer service department. I had called because two payments were reversed and reapplied with significantly higher interest amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On or about XXXX I sent a dispute / cease communications letter to PRA. ( Portfolio Recovery Associates ) In XXXX, they started calling again and placed 8 calls to my number in violation of 1692 C ( c ) and 1692 D.. the XXXX Unfair Trade Practices Act, and XXXX debt collection laws. 

I contacted them and they stated that they were " looking for another consumer. '' This is false, since I live alone and have for 5 years. There is no " other consumer '' here.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In 2013 I was hospitalized on an emergency basis at XXXX XXXX XXXX and incurred over {$100000.00} in medical expenses. I signed XXXX financial agreement, and XXXX billed the charged under XXXX account, and sent me XXXX bill. 

XXXX assigned the billing to California XXXX XXXX who has listed the debt as XXXX SEPARATE DEBTS on my EXPERIAN Credit report. I have disputed this, yet Experian continues to falsely report XXXX SEPARATE accounts as being delinquent.

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 05-11-2016 about Student loan (Federal student loan servicing) with ACS Education Services (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 I hired XXXX XXXX of XXXX XXXX to build a mobile application ( XXXX  and XXXX ) for my company. We went over all the details of the project and how much it would cost. XXXX told me the project would take 6-8 weeks to complete and will cost {$1000.00}. He said I had to make a down payment of {$250.00} to get started and that is what I did. He assured me that I will be updated visually every 1-2 weeks until the project was complete. Once the first 2 weeks had passed I contacted XXXX for an update of my project and he told me that he was going out of town but the project is being worked on so do n't worry about anything. Two weeks later I contacted XXXX again about my project and once again he gave me another excuse. At this point he asked for a second payment because the developer did the coding for the applications and he would send me screen shots. So I went ahead and made the second payment out of good faith but I never received anything. XXXX then asked for another two weeks to get things together and oversee the project and he will show me what was done. The two weeks came and again another excuse. This time he told me that the developer sent him something but he was not happy with it so he could not present it to me. XXXX admitted to me that he under quoted me on the project and the amount of time it would take to complete and was willing to give me a refund if i did n't want to wait any longer. At this point it has been four weeks over the time he said the project would be complete. On XXXX XXXX, 2017 I reached out to XXXX expressing that I have been very patient but enough is enough and he became unresponsive. I then contacted Chase on XXXX XXXX ,2017 to file a dispute against the 2 payments that I made because no work was ever delivered to me at any point. I faxed all the correspondence between us to them that supports my claim. Chase then contacted me a few weeks later telling me that they are denying my claim because the merchant supplied evidence that I ended the project early which is not true. I then escalated the claim to be resubmitted and it was still denied. Chase refuses to charge back my account for the amount paid for a service I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (MN).
Issue: Managing the loan or lease

Complaint: I filed Chapter XXXX Bankruptcy XXXX/XXXX/XXXX due to over using my credit cards for living and medical expenses while waiting for Social Security XXXX Insurance from an unresolved work injury and not being able to work and pay bills. I had a vehicle loan with Huntington Bank starting XXXX/XXXX/XXXX and chose to list it as Exempt Property on XXXX and to Retain and Pay on the Debtor 's Statement of Intention. I continued to pay and they accepted regular monthly payments until I paid it in full XXXX/XXXX/XXXX, 24 months early. They continue to list my vehicle as " Debt Included in Chapter XXXX Bankruptcy '' and " Discharged through Bankruptcy Chapter XXXX '' although it was n't and was paid in full.

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. (HI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax should n't divulge my information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: In reference to complaint submitted #  XXXX  the SLS company response does not address the issues of previous complaints. We do not understand this response.   The company refers  to two earl ier written communications but did not provide the copies of 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 01/24/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX, I contacted you about a problem I has having with Wells Fargo. The complaint number of my previous complaint was XXXX. The basis of my complaint was that Wells Fargo was reporting a collection balance on my credit report for a defaulted auto loan. This loan is not my responsibility. It is the responsibility of a couple by the name of XXXX and XXXX XXXX. I even uploaded a copy of the court order, which clearly started that the Capps were responsible for the defaulted account that appears on my credit report. Within a few days of filing this complaint, a lady named XXXX XXXX responded, and stated that she needed my address at the time the account was open, the last four digits of my social security number, and my date of birth. I responded with that requested information through the complaint portal, and I also postal-mailed the response directly to XXXX XXXX at Wells Fargo. I have also left her voice messages, but she does not return my calls. At this point, almost 2 months have past, and we have yet to have any response ( whatsoever ) from Wells Fargo. Meanwhile, they continue to report this fraudulent collection account on my personal credit report.

Company response to consumer: Closed with explanation