milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Money transfers (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Wrong amount charged or received

Complaint: I made XXXX wire transfer requests via USAA online banking, but the requests were rejected because I put in wrong account number. Nonetheless, USAA charged me {$40.00} for the failed wire transfer requests. USAA customer service said because I put the wrong account number, so it would not refund the money. But there was no such warning before I submit the wire transfer requests, and I reasonably believed that I would only be charged only if the wire transfers were successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: First Source Adv. is contacting family members about 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 08/16/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I submitted a complaint to SPS last month via CFPB. SPS did not respond to the specific questions contained in the Qualified Written Request, nor did they respond to my request to schedule an in-person meeting at SPS HQ in Utah to review their " original copies '' of documents they allege are valid and are associated with my property. SPS is trying to use these so-called documents to foreclose our home based on an assertion of a financial interest that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a complaint with CFPB in XXXX. The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.

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 10/23/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: To the best of my knowledge these remaining medical debts were co-pays that should have either been covered by my secondary XXXX insurance or covered by XXXX who assists the indigent with remaining medical debts from the hospital bills. 

I spoke to the Choice Recovery collection group on several occasions by phone indicating the above and was either hung up on or told they will call me back in a week or so. It is discriminatory and harassing for the result to be derogatory marks on my Credit Bureau Report as I had communicated the appropriate resolve only for it to fall onto XXXX ears.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with CORELOGIC INC (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contact the Equifax, Transunion, and the various companies that have reported an inquiry to my reports. I mailed letters, filed disputes online, and also have called them to ask to remove the inquiry because they were NOT authorized by me. I have gotten no proof of signature or documents verifying the inquiry from any company or credit bureau that were reported. Please help me remove the items from my report because after several attempts via USPS, phone calls, and online disputes the companies have failed to provide me with paperwork with my signature.

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 03/15/2017 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Problems caused by my funds being low

Complaint: I deposit a {$6.00} check to my BB & T checking account and the bank mistake it for a {$6000.00} check and credit me {$100.00} to my account. not knowing i use the {$100.00} and now I been hit with overdraft fee.

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 02-05-2017 about Debt collection (Auto) with Dealer Funding, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have something for a Dealing Funding LLC I have n't had a vehicle from them before. They stated on my credit report that it 's a joint account and that it 's a repossession. I have never had a vehicle repo before either. I have always bought my car straight right until three years ago in XXXX of 2013 as you all can see on my credit report also. I have even tried to contact them from the contact number that 's listed on my XXXX credit report, but unfortunately I was n't able to get through due to it 's an none working number. I also contact XXXX to get another number, but that 's the only contact number that 's on file XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. I have sent this company debt validation letters and have only received invoices in response. I advised them that these amounts are highly inaccurate but they have asked me to pay and tried to sue me for the amounts they have listed on statements. They have not verified that the statements were the very last statements of record.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding an old installment loan with  XXXX   XXXX . The account was turned over to a collection agency  XXXX   XXXX  which is reporting negatively on my credit reports.  XXXX  is not bonded  in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have inaccurate information showing on my  XXXX  and  XXXX  credit report. Despite my many attempts to resolve it with Navient customer service department and the listed credit bureaus it has yet been resolved.   I n 2014 my loan went into default and this has tarnished my credit and caused me harm. Though I followed the directives of the customer service agent advice which was to put the loans in deferment, which is the advice I followed for years after being told my only two op tion were deferment or consolidate. Forcing me having to pay higher interest rates, being turned down for loans and sufficient employment to take care of my family.   I 'm requesting that all  XXXX  Navient accounts be removed from my credit profile due to the inaccurate information reported continue to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX.. 
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: I lost my job in XXXX XXXX. I have a Best Buy Credit card debt and I started falling behind my monthly payments from XXXX XXXX. I had debt protection plan subscribed on the same credit card since the time I got this call. I asked Best Buy Credit card to take care of my unemployment situation and wave off or adjust the payments. I had approx. {$800.00} balance payments. BBCS asked me to show them an unemployment befit registration with PA state and the receipt of unemployment payments from them. Since I am XXXX in this country hence I told them I am not eleigibel to get those benefit and even if I try and get it then it will affect my XXXX. They were adamant and next thing they did is cancelled my debt protection and kept sending me bills with hefty APR and late fees. They even stopped talking to me, disabled my access to the online account and when I dial their customer service number it gets disconnected. I am still going under hardship. I have my mortgage payments, child support payments and other credit card debts stacked up. I have a XXXX county court order allowing me my support payment modification due to my loss of employment. If court verified my unemployment status then why the credit card company is not able to validate it? I am not sure why Best Buy is harassing me and not offering me the debt protection coverage. The amount due they are showing now is {$1500.00} to pay by XXXX XXXX, XXXX. My account # is 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 explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I monitor my credit from time to time on XXXX XXXX I notice I have a open account with the company and I did not authorize this inquiry and the card never came to my home.I explained to these people that i live in a crazy neighborhood and half of the time our mailbox are left open by the carrier or broken into.This company have allowed someone to open an account in my name and now they wo n't remove the damage from my credit. I am in the process of repairing my credit and this have a negative impact on my credit. I asked that they send my proof that it was me that open this account because having my address is n't proof.

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 11-10-2017 about Debt collection (I do not know) with Transfinancial Companies, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Discovered my credit report XXXX TransUnion, Experian, and Equifax XXXX all displayed a collection amount of {$250.00} that was opened on XXXX XXXX, XXXX. Original creditor is XXXX XXXX. Having no knowledge of this account or what their service even is, I disputed this collection with all 3 bureaus in XXXX of XXXX and it has been removed from XXXX and XXXX. However, XXXX suggests the collection is indeed mine. I have never received documentation either via mail and no attempts to collect via phone either, leading me to believe that this company does not have my contact information which would suggest I have no relation to them and do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Other type of mortgage) with Franklin Credit Management Corporation (GA).
Issue: Trouble during payment process

Complaint: I need my    XX/XX/XXXX    statement to include with my application for  XXXX   XXXX .     I do not receive monthly statements from  Franklin Credit Management   XXXX   XXXX   XXXX ,   XXXX   XXXX      XXXX   XXXX , NJ  XXXX  I was advised statements were discontinued because I authorized automatic monthly debits for my payments.   I called the  Franklin Credit  on   XX/XX/XXXX  , to request a statement  for  XX/XX/XXXX . I was advised I could not get a statement because I 'm on automatic debit. On advice, I called again and was t hen advised Statements would be reinstated and  one  would be mailed o n  XXXX -17  for   XXXX    2017. N ot having receive d one by tod ay,  XX/XX/XXXX , I called the company and was advised a statement would not be mailed unti l  XX/XX/XXXX . I  told the representative what I had been told on  XX/XX/XXXX . He said the previous representative 's notes only mentioned he advised statements would start soon. I want/need this   XX/XX/XXXX  sta tement due to time constraints of my application for  XXXX   XXXX . The inconsistencies of information and delay in receipt of the statement  may  be negatively impacting my consideration by  XXXX   XXXX  for the program. I want a prompt response to my request to  Franklin Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (WA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I was aware that m y card ha d an expiration date  of  X/2017  .. . and I have not received a new card yet. So I used this current  card be lieving it would still be active until the end of  XXXX . When my purchase was declined, I went t o the Rus hcard site to view my account. I saw that on  X/XX/2017    ( same day  ) m y government  XXXX  benefits had posted. Due to having trouble in the past with Rushcard ( not receiving money due ), I did research and saw that there were many complaints against Rushcard, so on  XX/XX/XXXX , I went to the Social Securi ty office an d told them that I did not trust this company and wanted my direct deposits stopped. Due to it being so late in the month, they could n ot stop the p ayment for  XXXX , but as of  XXXX , no further deposits will be made to my Rushcard account. I was t old by the re presentative who served me that if I have any problems with my  XXXX  deposit with this financial institution to report it to  Social Security Administration. As  I had feared, I have fallen victim to Rushcard 's scam. When I go online to their site, I see my funds were posted but they are not posted  to the card that expires at the  end of this month. They are posted onto a n ew card ( that does not s how full acct number but does show hte same ending of  XXXX   as the soon to expire card ). It ha s a button to click that says activate, but, when asked fo r the security digits on the back of card ... the number from my current card do es not work ( of course ), and I have  no new card that has been sent to me. The site  does not allow me to  update my address ( I have moved ), and no forwarded mail from Rushcard. The site will not allow me to do anything, as it is showing the funds are on an unactivated card. When I call the numbers provided ( including the  headquarters in  XXXX   ), I  am unable to get anyon e on the phone to  answer my questions. Neither was I able to transfer my funds to anothe r card member ( with is  an option ) ... or do bill pay. I am on  XXXX  and depending on my benefits to pay bills. I am afraid that if Social Security can not send another check, then I may become homeless again. I can not ac tivate a card that  I do not have, neither speak to any representative. I am certain I have been scammed and funds being held. When I c all the headquarters phone number, a voice recording comes on and says this card can  not be activated. Please help me if you can. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted proof with written documentation and recorded conversations where I was specifically told dates to get a payment in and also had three deferred agreements where XXXX stated the payment would show on time. 

As seen in the documentation it shows my payments yet they are still reporting late payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX stated they stopped collection on my account. I would like XXXX XXXX to provide me with a letter stating the facts. 

The letter should address : -Date they sent account out of their offices -Reason they sent account out of their offices -To whom they sold account to - That they no longer have rights to account and I am not responsible for any payments to them This account is being pursued by multiple collection agencies and I had already disputed it being mine previously. This is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Requesting the removal of hard Inquiry dating XX/XX/2015 on my Equifax report from FIA/CS. The lender in question in written correspondence attached, has no knowledge of it. Please have it removed as soon as possible. .

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Other service issues

Complaint: Western union agent at XXXX XXXX in XXXX ma, XXXX, refused to serve me, a XXXX resident.

Company response to consumer: Closed with explanation