milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: i started using paypal about 2013, never had an issue receiving daily money from cusotmers, as i was a XXXX. during this time i was employed with another company within the same field. Then i decided to expand my product range, so at the time i was unaware of the risk of the product it was, neither was paypal.. After making a few sales of high amounts, paypal, limited my account and asked for verification which was completely understandable, upon verification my account was back to normal, during this time i was building jelesousy of the company i worked with, i started selling on ebay, and very soon, fell victim of a very targetted attack more or less seemed, unstoppable, after making $ XXXX, in sales approximately within 2 months.. i started getting, returns ... ( without the item ), ofcourse paypal in the protection of the buyer issued refunds.. during this time they had already added a reserver to my account which was XXXX % of daily sales, on a 90 day reserve. my account balance was at $ XXXX, with XXXX, in reserve. after receveing numerous disputes regarding items, which it became apparent it was a targeted even bcause all $ XXXX in sales, were disputed. i have shipping records of item being shipped, and yet paypal still refunded money. Paypal during this time, apparently missed 3 years of reesearch and linked me to an apparent account i had 7 years prior to that i had no knowledge, during that time, they did n't ask for a social security number.. 
after figuring out that i was linked they shut me down, i was no longer able to acess my funds, they literally shut my business down. i appealed numerous time, as a matter of fact they even told me that they do n't have to talk tot me because im no longer a paypal user.. -- i said fine. my account was negative XXXX the following day, - wow, they send me an email saying my paypal was restored, so i mmididately paid the XXXX, for them to go right back and limit me once again. i logged off for a few months, and now the account has reached dispute refunds for more thani even generated i called expressed my concern that all the buyers had the common email address and they ignored the fact. .. then about 10 months later i receive notice that i have another account, that was opened by my employer during that time frauduently, ofcouse because they have my id and social they linked me, i asked how they got it, and they replied that i submitted the items to take over an account that is XXXX in the hole.. ... why would anyone want to take over an account that is negative. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with DISCOVER BANK (PA).
Issue: Transaction issue

Complaint: I am very disappointed the way Discover handled my dispute. They sent me a letter dated XX/XX/2016 stating that regarding my charge of {$5100.00} from XXXX a company that contacted me by an unsolicited telemarketing phone call, promising online business related. They never provided me the services that I paid for. They scammed me out of {$5100.00}. So Discover stated at the letter that they have no record of me disputing this charge in the past. But as as of XX/XX/2016, they were initiating a dispute investigation and sent me a notification informing me of the temporary credit to my account for the disputed amount of {$5100.00} and notified the merchant of this situation. They explained that if the merchant provides documentation that shows the charge is valid, they will remove the temporary credit and notify me with a copy of the information provided from the merchant and that this process typically takes less than sixty days. 
Then I received my statement from XX/XX/XXXX till close date XX/XX/2016 and they put the {$5100.00} charge back in there. I do n't understand why? Less than a month after they started the dispute and no letter explaining why they removed the temporary credit or if the merchant replied or not. They did not give me the chance. So I would like them to reopen the investigation since nothing was done and they did not comply with the disputing steps.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient has not been helpful at all in my repayment. I was laid off and now I work with a XXXX that has n't been able to pay me for 2 months. I no longer receive unemployment so it has been really hard. I spoke with a representative at Navient and the lady was so inconsiderate like she just focused on a script. I informed the lady that she woke me up and all she said was when can you make a payment. Then she informed me that if I do n't make a payment I will continue to get calls and will my co-signers. I informed the lady that my grandfather who was a co-signer passed away even before I graduated in 2010. She then asked me to provide the death certificate, I said really?! It was a shock being asked that. I wish the repayment was as helpful as XXXX. I was able to do repayment based on my income, without a struggle and irritating phone calls for my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mother died on XXXX XXXX, 2015. I am the administrator of her estate. She had done a reverse mortgage with the lender RMS ( reverse mortgage solutions ). We have given the lender everything they have asked for and we are currently trying to sell the home ourselves. However, the lender will not communicate to me what the timeframe is that we have to sell the property. Can you help us get this information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been contacting Equifax for my Annual Credit Report and they refuse to send it to me by saying that their record indicate that they have already sent my credit report for this year, but I have never received it. I had no problem with XXXX XXXX neither XXXX, they sent me my credit report without no problem. I can not see my credit report online on equifax system because no of the question belongs to me. I have been contacting Equifax since XXXX to have them to send my free credit report, but as today XXXX XXXX I still have n't received my credit report from them. They just say they will send and nothing happen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Subsidized : XXXX Loan start date : XXXX Loan Amonut : XXXX XXXX XXXX : XXXX Estimated Payoff : XXXX : {$26000.00} 8 %

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with ACCELERATED COLLECTION SERVICE, INC (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: In XXXX, XXXX this company called me requesting I pay a debt. Immediately recognizing the debt that I had been trying to get resolved with my insurance company and previous employer I informed them of the situation. My employer neglected to add my son onto my insurance after he was born, they admitted fault to this. Then the hospital who owned the debt billed the wrong insurance company, again they admitted their fault in this. Meanwhile I was in contact with my insurance, XXXX hospital, and the collection agency almost constantly. 

After everything was finally billed correctly I was left with a balance of roughly {$1600.00}, this was in XXXX, XXXX. I had to scrape by to find a way to pay the company this so on the morning of XXXX XXXX, XXXX I called them prepared to pay this bill in full at which point they informed me that because I had taken so long to pay I know owed over {$500.00} in interest. I was shocked and in tears and tried to reason with them that this is not something I can afford. I had been in constant contact with them for months and they knew the situation and never once had they disclosed interest. 

After being transferred from XXXX XXXX who has verbally made me feel uncomfortable and threatened many times XXXX to her supervisor she berated me with a condescending tone, uncaring that the fees she had charged were never disclosed at any point as a possibility. She decided to lower the interest by about {$80.00} dollars. Eager to get her and her cronies out of my life, I paid in full. 

I understood that at some point I would need to pay this bill, but I had no idea how much it would be until my insurance could process it. The collection company knew this and still they added fees without my consent. I am not trying to get out of paying this bill, I just do n't think I should have paid the fees given the circumstances. 

Please listen to all calls with this collection agency to understand their threatening and demeaning tone. I am mortified and depressed and meanwhile this unethical company gets to open their door another day to harass people who actually do honorable things for a living.

Company response to consumer: Untimely response
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: HOW MANY LETTERS DOES A PERSON NEED TO SEND THAT SAYS CEASE AND DESIST? BECAUSE I HAVE SENT XXXX TO THE COMPANY. THEY ARE CALLING AND HAVE IT UP ON MY CREDIT STILL

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Credit card debt) with Gordon, Aylworth & Tami, P.C. (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On or about XX/XX/XXXX, I became aware of a civil lawsuit filed against me by the office of Gordon, Aylworth and Tami on behalf of XXXX XXXX for an alleged credit card debt that I owed. On XX/XX/XXXX I made the decision to file Chapter XXXX bankruptcy. On XX/XX/XXXX, I retained the law offices of XXXX as my bankruptcy attorney. On XX/XX/XXXX, I called Gordon, Aylworth and Tamis office at XXXX PST and spoke with XXXX . I informed her that I was filing bankruptcy and had retained XXXX and that any further communications with me would need to go through my attorney. Today, XX/XX/XXXX I came home from being out to find that the XXXX County Sheriffs department had left a card on my door advising they are attempting to serve me for the above civil case. This is a blantant disregard of my rights under the FDCPA as once they were notified I have an attorney, all communications should be through my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Payday loan () with American Credit Adjusters (DE).
Issue: Can't contact lender

Complaint: They have called me 38 times since XXXX XXXX. Call from the same number but give me a different number to call back. First they said their name was XXXX XXXX. On Friday they called me from the same number and said their name as American Credit Adjusters and to call on XXXX. They have sent me nothing in writing. I consider this harassment!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Medical) with Credence Resource Management, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too.

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 02/15/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: quifax, XXXX, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are  XXXX  very old   XXXX   accounts that are not supposed to be reporting on my credit. The  XXXX   XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The  XXXX   XXXX  card account has an account number of "  XXXX  '' with an open date of  XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called Chase a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bure au is refusing to honor my creditor 's deletion 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 11-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all three credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.

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 01-11-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NH).
Issue: Credit decision / Underwriting

Complaint: We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

XXXX : : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TD BANK US HOLDING COMPANY (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Between XX/XX/XXXX and XX/XX/XXXX I attended a school in XXXX Florida to become a helicopter pilot. The school was named XXXX XXXX XXXX and unfortunately went bankrupt before I was able to obtain any certifications. I was still required to pay the full amount of the loan which was over {$80000.00}. Not wanting to be responsible for paying such a large amount for training I never received seemed wrong. The students filed a class action using XXXX XXXX and he negotiated a reduced amount that we would owe though the amount was still very large despite never having received the training promised by the school. XXXX XXXX received millions in fees from the student loan company as part of the settlement. I am still paying on this loan and it has become overly burdensome and I still have twenty years of payments to go.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & 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