milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/15 {$950.00} was directly deposited to my rushcard. Immediately I made some purchases. Leaving an available balance of {$590.00} on my rush card. On XXXX/XXXX/15 I received a text message saying my card has been blocked and to contact a representative at rush card. Numerous attempts were made to contact a rep. On XXXX I found out I would have to wait for rush card officials to " fix '' their system in order to spend my own money. Not one rep could tell me when this would take place. As of this evening I 'm still not given a specific time frame my hard earned money would be available to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XX/XX/2017, at XXXX EST, I called in to confirm my account information, Navient 's address and zip code so that I can start making payments again on my private loans. I got agent # XXXX on the line, who asked for my information as usual. I explained why I needed the requested information and requested that he confirm my account number and the address for Navient to send the payments. I was not mailing a check in, and as I stated to him on the phone, I needed the information to be able to pay the amount through my Bank 's bill pay service. The agent informed me about the balance, for which I would like to state has changed every time I speak to a representative. The amount went from {$1300.00}, to {$900.00} and as he stated, {$1000.00}. I have had numerous issues with Navient, and I explained this to him so that he can understand that I will not be using Navients service to pay the bill. the agent asked was I going to make a payment on that day, and I informed him that I was not able to provide him that information. I stated for the record that I did not and will not confirm an amount since I was only calling to get the billing information needed to be able to pay my bill. The agent got upset, and began to raise his voice and demand that I tell him an amount. He refused to provide me the information I was requesting and ignored the fact that I only called to get information. I asked him to give me the information or put someone on the line that will. He ignored me and continued to ask for an amount. I told him if he does n't provide the information, I will file a complaint. He then stated why do n't I tell them about the balance I owe on account for that matter. This man was very rude and extremely disrespectful and refused to give me the information. I had to disconnect the line and call back in to get the information I needed. I am concerned. Navient has already done things on my account that I did not authorize, and now I am dealing with agents that think its okay to speak to me however they please. I do not want someone like this to have access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and Equifax has indicated to me that my full name, social security number, credit card information, address, and other personal information was disclosed to unknown third parties, thus potentially endangering my financial health, personal identity, my family 's well-being, etc. 

I would like to pursue any and all actions against Equifax to remedy this situation as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Citi Bank Card has again blocked access to internet account can not dispute charges. 

phone number on web site to call has blocked me also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (IA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a {$1000.00} loan on  XXXX   XXXX ,   XXXX   and received the payment on  XXXX   XXXX . When I signed the paper ( electronically online ) I signed up fo r 3  installments of  XXXX  which makes the total  XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on  XXXX   XXXX  in the amount of  XXXX . They sent me an email with the terms that now said I would be making  six  payments in the amount of  XXXX  This equals  XXXX  which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account.     Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at  6  payments with a total of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX account on my Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. Amount {$0.00} with High/Limit {$300.00}. Opened in XX/XX/XXXX Last Balance Date XX/XX/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 09/27/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Balance transfer

Complaint: I requested HSBC XXXX bank to transfer a balance to my other credit card at XXXX, to pay my outstanding balance there. This was in XXXX, HSBC did sent a check to XXXX, on XXXX/XXXX/2016, with the wrong account and without my name. 

The check was never cashed by XXXX ( By HSBC own admission ) but yet that amount has been added to my HSBC balance since XXXX/XXXX/2016, together with a hefty transfer fee, though I never benefited from that transfer. 

I have call XXXX banks and specially HSBC a number of times, did n't get anywhere until I twitter about it and though then I was put in touch with a CSR, they then told me on that call that they will fix it, just to call me the next day saying they are refusing to take the amount of the transfer off my account though their check was never cashed!!!! 

So now I am carrying the same balance at the XXXX bank!!!!! 

This is NOT XXXX fault.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My personal information was breached in both the FASFA breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Credit Control (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several accounts that were included in my Bk and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In late spring XX/XX/XXXX I got behind on my car payments with my XXXX acct # XXXX because I had taken FMLA to take care of my terminally ill mother. XXXX XXXX  put my car up for repossession. I contacted XXXX and spoke with someone named " XXXX '' ( phone number XXXX ) around the XXXX XX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to XXXX XXXX. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that XXXX XXXX   was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted XXXX to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me XXXX is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call XXXX again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all 3 credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and XXXX XXXX XXXX would not do anything to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (IN).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX, 2016, Paypal closed my account without any valid reason. The following message is displayed right after I logged into my Paypal account : ***** We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 
Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We need a little bit more information about some money you recently received or withdrew. 
( Your case ID for this reason is XXXX. ) This limitation can not be appealed. 
***** The recent money Paypal indicated in this message, which I received, were around {$100.00} from cashback portal websites like XXXX, XXXX etc, and every single cent is traceable by its transaction name and source. I did withdraw them to my own checking account, however, I do not think it violated any Paypal 's policy or national laws after I carefully read Paypal 's terms and conditions and related regulations. 
Paypal closed my account with such groundless excuse and refused to further review my account, I tried to call in and email them via messages, explained everything patiently, but all I got were nothing but templates. 
Because of Paypal 's closure of my account, all of my eBay gift cards that are linked to Paypal are unusable. Even after calling in or emailing, Paypal still refused to unlink my eBay gift cards or return my money. 
I talked with eBay and they asked me to refer to Paypal for this issue, and I think eBay is right since it is Paypal that holds my money. 
Paypal has been doing this kind of illegal holding of one 's money all the time and I think it should be brought to attention.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank of America charged me an overdraft on my account ( {$35.00} ) for withdrawing at my ATM. They said I already had overdraft protection on and thus should not have an option to withdraw more, but they apparently the ATM prompted me with an option to agree to waive that protection. I am XXXX, thus did n't read it. I called to get the fee waived out of courtesy, but discovered they had predatorily ignored my request to have overdraft protection on. They were in the wrong.

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 04-12-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Shopping for a loan or lease

Complaint: I made 99 payments to the Santander Company of {$290.00} a month. The sale price for the car was XXXX. Paid {$29000.00} at which Santander said 55 % went towards interest. 
In approximately XX/XX/2011 they repossessed the car a XXXX. Received no communication until now. Have no idea how much they sold the car for. Recently we checked my credit and they charged it off and they say I owe them {$6000.00}. How can that be when I paid them {$29000.00}? I need for them to at least take the negative comments off of my credit reports. I believe that paying over 55 % interest is illegal. I would advise anyone not to get a loan with Santander. They say they will clear my credit if I settle with them for {$2100.00}. Can you believe this?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (FHA mortgage) with CMG MORTGAGE, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage when I became ill earlier this year and was admitted to the hospital. Now that I am fully recovered I would like to save my home. I hired an attorney to assist me in applying for assistance from my mortgage servicer, CMG Financial / CMG Mortgage. My attorney recently contacted CMG Mortgage to submit my application and complete financial package and they are refusing to accept my application for assistance. According to my attorney, this is in violation of RESPA Reg X. CMG referred us to their attorney, XXXX XXXX, and said they are handling the mortgage now. My attorney has left several messages with XXXX XXXX over the past ten days and that office has never called back or responded in any way. CMG Mortgage has now also filed a Notice of Default and they are simply avoiding any inquiries from myself or my attorney in regards to trying to resolve my delinquent mortgage and save my home. XXXX XXXX never answers the phone and messages left with them are not returned. I have submitted my financial information directly to my servicer CMG Financial by fax. I have not submitted my financial information to XXXX XXXX because they wo n't pick up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with EXPERT GLOBAL SOLUTIONS, INC. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been contacted by EGS Financial for a debt I owe to XXXX Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: AES/XXXX XXXX is reporting wrong information on my credit report. 
XXXX and XXXX and XXXX have two different open date when the account begin. 
How can one account open on two different day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Trying to get a judgement/tax lien off my report, it has been satisfied/paid off and is preventing me from getting loans and credit in my name.

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 01/19/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted paperwork to the mortgage servicer regarding a short sale and this company is giving me the round around, in fact they are working hard in foreclosing on my house, I have submitted my financial statements, a purchase contract have been accepted but they have not approve my short sale

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had gotten a payday loan, I lost my job and advice the lender place of this actions, and advice them that I did n't have any funds in my acct, but the payday loan place did n't care and still attempted to take money out like 2 to 3 times a week and the bank would return the amounts every time, but I would get a {$35.00} fee each time. I paid over {$600.00} in fee 's. I was so XXXX and needed a stop to this so I put a stop check on the payday loan place, and it did n't work cause it still continue to cause my account in negative. I called the bank and spoke to the banker and she suggested Of instead of crediting the transaction of the payday loan she would just credit me the stop check fee and close my acct and it left me with a credit of {$18.00} so she open a new account and transfer the {$18.00} to it, and she advice me that acct was closed out. Now the bank is taking money out of my new acct for a charge off on a account that was supposed to be close completely. I tried calling many times to fix the problem and they told me I have to pay. 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 monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect information reported XXXX XXXX 2017 by XXXX  and 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 01-11-2018 about Debt collection (Other debt) with Source Receivables Management LLC (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store. 
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation