milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX XXXX, a financial wire transaction for sum of {$210.00} USD was executed with Western Union XXXX Co. Western Union XXXX Co for reason unknown to me my bank account was charged three times in the sum of ( 1 ) {$210.00}, ( 2 ) {$210.00}, ( 3 ) {$210.00}. A total sum of {$630.00} monies were withdrawn from my XXXX account and {$210.00} was payout by Western Union XXXX Co. Promptly, as soon as the error was detected dispute form was filed with XXXX XXXX XXXX XXXX in XXXX XXXX. All reasonable efforts initiated in good faith to reconcile the financial error by Western Union. 

Finally, On XXXX XXXX XXXX, my identify theft protection service alerted me to XXXX debt collector attempting to collect {$210.00} dollars. I contacted XXXX, who reported they are a collection agent on behalf of Western Union to collect a debt of {$210.00}. Contact was made with Western Union by emails and phone calls multi-times without adequate resolution. On a follow up check of Western Dispute # XXXX case opened XXXX XXXX, XXXX, Western Union informed me that the case has been closed. Western Union said they would reopen the case and look into it. As many times as I have attempted to communicate this error in good faith, they simply have been no resolution. I am concerned because negative financial information will affect my sensitive Government security clearance and position, I am concern that this may not be a isolated incident, I am concern that Western Union has repeatedly failed to resolve this rather simple issue. Documents have been submitted which clearly indicate that the statements above is both accurate and truthful. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Payday loan () with BlueChip Financial (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bass & Associates, P.C., Attorneys at Law (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: On XXXX XXXX, 2016, at around XXXX, an associate from Bass & associates called me at phone number XXXX. Upon answering the phone the the associate identified herself ( however I can not recall the name of the person ) as well as she was attempting to collect a debt for XXXX XXXX XXXX. She asked for my date of birth, which I gave her then preceded to harass me. She never told me the amount that I owed during the phone call. She for the most part hounded me asking how I make ends meet in my household. She stated that they have on file that I received child support, so I have a source of monthly income and they have every right to take it because it is a source of income, and we need to come up with a payment plan. I then informed the associate that I do not have a job, I have XXXX XXXX children and my only source of income was from the monthly XXXX that we receive from the government for the care of our children. The associate then told me that they would take the that from us to make payments. I then informed the associate that they are in direct violation of the FDCPA for implying that the would take funds from us and saying that they have every right to it. The associate then stated that they do n't care and they have every right to take away the XXXX from our kids since it is a source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Perfection Collection (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am currently repaying my student loans to Navient on a " work out '' program they offer. This program allows me to ONLY pay the interest payments which does not reduce my actual principal balance. My regular monthly payment is too high for me to pay on a regular basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.

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 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My equity line from XXXX XXXX ending in XXXX was reported XXXX XXXX late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was applying for a mortgage and I discovered on my credit report a {$110.00} debt from years ago owed to XXXX. I have never been contacted by XXXX nor the debt collector and I also have never even had an account with XXXX. I called XXXX, who referred me to the debt collection agency, and they provided an account number. When I called XXXX with that account number, they acknowledged that the address they had on file was one that I had never lived in. Further, they do not have my social security number or any other of my personal information on file, confirming that I have never had an account with them. However, they are still making me jump through hoops just to attempt to remove this debt, including filing a police report for " identity theft '', when in reality my identity had not been stolen as my personal information has not been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/15/2017 about Consumer Loan (Installment loan) with COAST PROFESSIONAL INC (CA).
Issue: Problems when you are unable to pay

Complaint: I keep getting letters from dept of education stating i took out a loan to a school in arizona i never went to ... .never applied to an never heard of before. I graduated from XXXX.College in 1992 I completed the XXXX programme.this school would not have helped me at all in my career. I have dealt with this issue before as i have had my taxable earnings held back from me before. ..I thought this issue was resolved but now ive lost my tax return again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax other account they the put onto my credit report are : XXXX/XXXX/XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX reporting closed should be reporting openPlease fixed this Equifax. I am honestly truthful attaching report. Please carefully review report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Chase credit started running my credit without my authorization several months back. I called and spoke with someone at Chase and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. Chase continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from Chase. I have asked numerous times for this to stop, but Chase continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but Chase has done nothing. 


CHASE CARD Bank XXXX XXXX, XXXX CHASE CARD Bank XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On   XXXX   XXXX   XXXX     I went to Chase to close my account with them and find out that another account was overdraw and ask the Ban k Staff a t the can I close this account once I pay the amount overdrawn I was told no I would have to wait to the cash, Cashier is process in order to close the account. I would like is ther e United State Federal Reserve and United States Federal Regulation regarding this that   state if I was to deposit money not matter it is Cash or Cash Check from another Bank that I would be required to wa it unto the transaction is clear. What are in the United States Federal Regulations about closu re of account and Fraud Account is it legal to hold the customer responsible for Fraud that happen in an bank account debit card and will the bank require to investigate convicted the individual that committed the Fraud many of the banks are make the customer responsible for these charges and what happen to FDIC  Insurance on Unit ed States Banks  Accounts an whe n you open account are the Bank inform customer of the FDIC  Insurance on accounts hand out legal documentation Please investigate ensure that Chase,    XXXX   XXXX   XXXX  ,   XXXX   XXXX   and  XXXX   XXXX  are process and conducting Banking Product according to United States Federal Reserve and United Sta tes Federal Regulations and do the bank supposed to issue Bank Debit and Credit on the spot or is this conce rn a temporary Debit Card because this is was the United States Banks are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XX/XX/XXXX Trans Union To Whom it May Concern : After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Below are the errors I have identified : XXXX XXXX Verifying this account I think there may be something incorrect such as the date open, late payments, payment status and account type if so repair ASAP. XXXX XXXX Please take your time to see this account I believe there may be an error on the account number, account type and the comment verify this information correct this if there are errors ASAP. XXXX XXXX See this account there may be something incorrect such as the past due, comment, payment status and payment history verify if its correct or delete this from my report. XXXX XXXX Looking at this account I believe there could be something incorrect such as the high balance, date open, and the account status see if this is correct or delete ASAP. XXXX XXXX Look at the late payments, comment and payment status I believe there may be something incorrect corroborate this and repair or delete ASAP. Incorrect Name XXXX Can you verify this name I think there may be an error repair and put my full name XXXX XXXX Take a look at this account I think there may be something wrong such as the account type, account number and the date open verify this information correct or delete from this account. 
Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. 
Regards, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX CC : FTC, XXXX, Office of Attorney General

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 03/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2013 I received notice of a default judgement against me in court for a credit card debt ( I was never served ). In XXXX 2013 I paid a reduced amount and this was reported paid. A few months ago I began receiving calls and letters on this same account from Midland and requested verification of the debt. The only thing I got back was a letter telling me I had to provide proof it was paid. Since I paid by prepaid card over the phone the only proof I have is the settlement reported paid on my credit report. Four days ago I received a paper from a law office for Midland with a judgement from the court ( also never served ) to garnish my wages for this paid account. Midland is making my life XXXX and I do n't understand how they can resurrect accounts paid years ago and harass and threaten people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For several months i 've been receiving XXXX calls a day from PORTFOLIO RECOVERY SERVICES. They claim I owe money, which I do n't. The social security number that they give and birth date are both not mine. I have told them this several times but they still call every day mtltiple times. I have been threatened that people were on the way to my house to collect or kill me the choice was mine. They call from many many numbers so blocking still does n't help. I have tried several times to explane very nicely that I 'm not the person that they are looking for, they still call. This has been going on for months and months. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report is inaccurate, I have tried numerous to contact XXXX, Equifax, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never had a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AK).
Issue: Account opening, closing, or management

Complaint: This a continuation of my response to Wells Fargo 's response dated XX/XX/2017. The actual federal laws that were grossly neglected to be followed are the following, XXXX These laws make for an interesting read. Every bank officer I have spoke with outside of Wells Fargo has acknowledged these regs. and follows them to the letter. After considering the above mentioned one question keep burning threw my mind ... Why has Wells Fargo continued to deny these laws exist. 
Or why the branch manager told me that these laws do not apply to me.. The CFPB will, I am sure read these regulations and understand that they DO apply to everyone in the banking community Respectfully 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 03/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.

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 10/29/2015 about Debt collection (I do not know) with NPS GROUP (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: NPS, XXXX XXXX XXXX, continues to contact my cell phone. I have spoken with them once, whereas they refused to provide me with any information about who they were collecting for, but told me if I did n't send them {$4000.00}, I would be served with papers the following day. They would not verify the name of the credit or provide me with any information that this was a valid debt. I sent them a letter asking them to verify the debt and also to cease communications with me and anyone associated with me. I have not received verification of the debt and they have continued to call. Today, they called my office and when I told them I could not speak to them at work, they said " Find, we will contact your Human Resources and start garnishing your paycheck. '' They did then call my Human Resources but then hung up on them.

Company response to consumer: Untimely response
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section  611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '  that I have disputed. Please resolve this manner as soon as possible. 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 10/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I qualify for XXXX loan forgiveness on my federal loan of {$17000.00} because I worked at a XXXX XXXX XXXX as a XXXX XXXX XXXX for at least 5 years ( it was actually 8 ). I spoke with Navient on XX/XX/XXXX and I was told that my application for forgiveness looks great and I am in the phase where I can " sit back and relax '' and that my work was done. I called last night ( XX/XX/XXXX ) to get an update and was told that there was a problem with my application. This is not the first time that they have said there is a problem, and there is never a timely response, sometimes taking more than 30 days to receive a response. I was told that since the school in which I was working changed names, I must resubmit the entire application with the previous names as well as the original application. So I would have two nearly identical applications going at the same time. The requirement is that I taught at the school for 5 years consecutively and I did so, not including the name change. I find that their information is unclear and untimely, and they are making no efforts to assist me in completing this process. Navient seems to be the only contact point on this subject and is either unable or unwilling to assist me in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation