milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Debt collection (Other debt) with First Credit Services Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a membership with XXXX XXXX XXXX in XXXX, SC in XX/XX/XXXX. On or around XXXX of that same year, I went in with a hand written letter of my intent to cancel. I was told there would be 2 more payments taken out of my account and then my membership would cancel. I was aware of this policy so that was fine. Shortly after the 2 payments were drafted from my account, I changed banks. I considered the matter closed. I did n't find out until checking my credit report a few years later that they had not cancelled my membership, but instead sold the remainder of my contract to First Credit Services in the amount of {$320.00}. This is the only derogatory mark on my credit report and it is fraudulent. XXXX XXXX XXXX is notorious for this. Unfortunately I did n't know that at the time and did n't make a copy of the letter I gave them. I have disputed this with XXXX multiple times, and filed a complaint with The South Carolina Department of Consumer Affairs. XXXX XXXX  XXXX responded basically calling me a liar and suggested that I contact First Credit Services to pay them. They have a record of the times they tried to contact me, but I had an app on my phone that picked up and hung up on suspected spam numbers. There should have been no reason to call me anyway as I do not owe that debt. Anyway, neither of the other disputes seem like they are going to be effective since I do n't have a copy of that letter. I hope you can help. 
Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Keep getting the letter threatening to spoil my credit. the only option offered is to pay or call for long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment on XX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system  and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.

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 11-02-2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (GA).
Issue: Fraud or scam

Complaint: As of XX/XX/2015 I have been unable to access my funds from RUSHCARD. I am 4 months pregnant and I am extremely upset. I had my last paycheck deposited into my account on the XX/XX/XXXX, when it usually is deposited on the XXXX. After going on Social Media I noticed customer complaints about missing money, unauthorized transactions. etc. On the XX/XX/XXXX I requested a block on the card to protect myself from any problems. On XX/XX/2015 my direct deposit was credited to my account. I called RUSHCARD, and was told by a Customer Service Rep that the system was down and they could not pull up my account. I explained that all i wanted was a block removed from my card. She informed me it was nothing she could do. I called customer service and email RUSHCARD everyday for the past 2 weeks. Everytime I called I am put on hold and eventually the line hangs up. Last week I called and was told by a Rep that I requested my account to be closed and they would semd me a paper check for my remaining balance. This is untrue. I never requested account be closed. I called RUSHCARD customer right back, they put me on hold and later call was dropped. I have requested numerous times to speak to a Supervisor, someone that can help me, only to be ignored and hung up on. This does n't suppose to happen XXXX. I have 2 weeks wirhout money, and still no response from RUSHCARD. I am worried about my unborn baby because I have not been able to eat healthy food for the past 2 weeks. My kids are hungry, my car was repossessed, and Im about to lose my storage all because I believed in my country the great USA. I thought this could never happen, but I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (NV).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: I bought the car from prestiage financial, I was negotiating with the Rep, to lower my monthly payment so I could afford to pay since the job I have they run out the project for a while and I do n't have any saving secure, instead of them did n't help me out but was charge me and posted to the credit agency, to help me get out from their company I was try to traded my car in but the negative balance and they do n't take it, and the car dealer was ran my credit over and over and make my score down because I try to get the loan to get a better interest from prestige. It 's very awful Iask XXXX XXXX to help me sell the car instead of they asking me XXXX ca n't do anything but they went to pick up the car without letting me know and they said they put it in the auction but the car balance still the same. This is unfair for me

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Medical) with AmeriCollect (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016 my card was declined and I called Citibank. I was informed that my account was over drawn by over {$6000.00}. I asked how and they told me a payment to XXXX XXXX for {$10000.00} had been posted. It was not a payment I authorized. I asked who the card holder was and it was someone I knew. I spoke with him and we figured out that I had paid his card at some point because I owed him money. They payment information was stored and mistakenly used to pay the {$10000.00} bill. Citibank says the money was taken from my account and XXXX says the payment was dropped once they were contacted about the mistake. My account is over drawn, I 'm being accessed fees, and payments are bouncing. I have been told that it could take up to 90 days before the charge is removed from my account. They also withdrew money from my savings account to pay for the over draft.

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 monetary relief
Consumer complaint received 04/26/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: Continue case # XXXX, CHASE has admitted that on XXXX/XXXX/XXXX I requested a stop-payment to XXXX. I meant I requested CHASE to stop all payments to XXXX from XXXX/XXXX/XXXX on and to the future because I had a dispute with XXXX on their services, and CHASE 's representative at that time had clearly promised me that she would not accept any charges from XXXX. I am totally against CHASE 's newest statements responsed to CFPB on XXXX/XXXX/XXXX that stated " the representative informed you that because no transactions had previously been made with XXXX XXXX, we could not place a stop-payment for them on your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Closing/Cancelling account

Complaint: Chase sent me a letter saying they were closing my savings account and XXXX checking accounts. They gave me no reason and just said that either of us could terminate our relationship at any time. I suspect it was because I have had to wire funds overseas to pay for goods and services for a short term project, all of which I had contracts for. I spoke to the bank manager, who was aware of the project, and he intervened on my behalf but was unable to get any information or to get a reconsideration. A month after this I attempted to use XXXX of my credit cards and discovered they had been closed without warning. Seven to ten days later I received letters stating that the cards were closed because " an affiliate ended its banking relationship with me ''. More than a month later my business credit card account was closed. This card had reward points that I ended up losing due to expiration, a fact that was buried at the bottom of the 6th letter they sent me. I have always paid my credit cards in full every month and have done nothing illegal. I do not understand why all my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (NE).
Issue: Managing, opening, or closing account

Complaint: prepaid rebate card expired and Citi refuses to reissue card for the balance of the money on the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Rent Recover, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Billing disputes

Complaint: My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: 20 year ago I put some money away now I ca n't locate my money I put away with chase

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (KY).
Issue: Managing the loan or lease

Complaint: I borrowed {$3500.00}, 24 month same as cash. Regency Finance set the payment due to {$140.00} per month, however at that amount I would need to pay more than the payment due, or pay for 25 months. They never informed me I would need to pay more monthly to satisfy the 24 month contract. They then assessed finance charges and interest because it was not paid in full within the 24 months with the monthly payment they set forth. This is deceptive and a fraudulent scam to trick the consumer to being XXXX payment shy of payment in full. Shame on you Regency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Settlement process and costs

Complaint: I have never had a loan with Ocwen, however they are reporting negative loan information on my XXXX and XXXX credit reports. I have repeatedly filed disputes with these credit reporting agencies and they keep telling me they have verified that these mortgage loans are mine. I 've even asked Ocwen to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. Please contact Ocwen and advise them to delete this negative information off of my XXXX and XXXX credit reports. ( This is not reporting on my XXXX or XXXX credit reports ) The account in question is showing on my XXXX and XXXX credit reports as : OCWEN LOAN SVCG LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted rent recovery about a debt on my credit report I requested the proof they emailed documents with different date for the application the lease as well as someone else personal info it shows month to month fee among others fees. And a signature that supposedly mine with no date when it was sign no signature from the other person name on the lease are the landlord signature this document 's are date agreement was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong and multiple address in my account under my name XXXX XXXX XXXX.I faxed trnaunion a copy of my state drivers license of IL.Yet they will not remove the multiple addresse from my account.Please help!

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 05-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Rewards

Complaint: While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. 
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have multiple loans, both private and federal, and I have  XXXX  agreement with  XXXX   XXXX   XXXX  of  XXXX  dollars monthly, this is not the orignal loan provider they bought the debt, I have been paying for 2 + years on time and I just recently found out that I am only paying  XXXX  dollars monthly to my principle balance and the rest goes to intrest. This is robbery!! I am an   XXXX   and if I was current with all of my loans I would not be able to feed my family,! I need help. I was also scammed by a student forgiveness program called  XXXX   XXXX  for thousands of dollars and I am in the process of trying to get that back. The college I attended has been shut down and is no longer in business. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: We acquired a loan XXXX/XXXX/2012 in the amount of {$100000.00}. The cost of our house was {$110000.00}. We currently only owe {$36000.00}. I have never been late on a payment and my credit score was XXXX when we acquired this loan, so we should not have been considered high risk. My issue is that PNC wants to require us to get an appraisal that will cost {$500.00} before they will remove our PMI. I think it 's unfair to make us pay an additional {$500.00} when our current LTV is XXXX %. Is there anything that we can do to make them remove our private mortgage insurance since we are way below the XXXX % LTV?

Company response to consumer: Closed
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have asked repeatedly for them to stop calling and take my number off their list. They need all my info including my name to do this. Would not give it to them. Still calling. I pay for my minutes and they refuse to stop. Help ... ... .This is Portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Checking or savings account (Checking account) with CHEMICAL FINANCIAL CORPORATION (MI).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: In XXXX 2017 I changed my primary checking account and signed up for E-billing services as advertised. Since then I have been receiving the e-bills sporadically and have called Customer Service several times, most recently today. The probem extends to more than one biller so I think the problem is within my bank. In each case i was told it would be up to me to contact the biller to resolve the problem. As I think the answer to the problem is technical in nature and in " bits and bytes '' terminology I do n't think its my place to resolve the problems. If they offer E-Billing, and I signed up for the program, I think its up to my bank to resolve the problem.

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 01-05-2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a addendum to complaint XXXX. I have sent XXXX everything they 've requested yet they continue to disseminate false information to my Credit Report. 

Please be advised if you do not remove this Tradeline from my Credit Report I will sue your company for violations under FCRA/FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017, I noticed on my credit report there was an account in collections for {$65.00} reported by Diversified Consultants. I was completely unaware that an account was in collections until I saw it on my credit report. On XXXX XXXX, 2017 at XXXX XXXX. I contacted the debt collector, Diversified Consultants, immediately to find out why this was on my credit report. I explained to the representative that I never received mail or phone calls regarding the situation with Diversified Consultants. The representative explained there was nothing she could do since it was already reported to the credit bureau. I also asked about having the information removed from my credit report because I was not aware of or contacted about the situation. 
I called back two more times the same day at XXXX XXXX. and again at XXXX XXXX. I was then told that Diversified Consultants received my file on XXXX XXXX, 2017 and reported it to the credit bureau on XXXX XXXX, 2017. On XXXX XXXX, 2017 at XXXX XXXX. I called Diversified Consultation wanting to know if the company had any record of speaking to me. The representative informed me that they contacted three phone numbers that did not belong to me. The representative then stated they spoke with some man on XXXX XXXX, 2017, who told them " his wife will call back. '' The representative then asked me if I am married. I told the representative I have never been married before and I continued to tell him that the phone numbers they called do not belong to me. I have spoken with the following people at Diversified Consultants : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation