milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2016 about Money transfers (International money transfer) with Trans-Fast Remittance LLC (CA).
Issue: Other service issues

Complaint: hi I tried to send money thru online money transfer service trans-fast remittance llc XXXX 
after loggin in and sending money I received a email after XXXX min saying that my transaction has been cancelled. I called them to ask ehy then the rep. told me that because I failed security check that why not only they cancelled my transaction but also blocked my account so I can not ever use trans-fast again. I talked to supervisor and they gave me the same answer that because I failed in security check. 
I am 100 % sure that information I gave them is real and accurate. then why I should fail a such test. 
I asked them to recheck and do manual verification but they did not entertained my queries.

Company response to consumer: Closed
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I constantly receive recorded phone calls from a company named Municipal Services Bureau, OR GILA GROUP XXXX. 
They will never send me any documentation regarding what ever the issue is. They always try to contact personal info over the phone. 
They call me 10 Times a Day. I am going insane from this process. 
Can you please assist me with this matter or direct me to anyone whom may The phone number to GILA GROUP XXXX Kind Regards XXXX XXXX XXXX, Hi

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Closing/Cancelling account

Complaint: XXXX/XXXX/XXXX - Macy 's issues branded credit card to consumer. 
- Purchases using special discounts that were offered if the card was used on the same day ( that the credit card was issued ). 
- Macy 's issues a statement for the above purchases with a due date of XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - Account paid in full per the last statement issued on XXXX/XXXX/XXXX. 

DECEPTIVE AND ABUSIVE PRACTICES Although consumer paid the account in full based on all information provided by Macy 's / Citibank on their monthly statement, Macy 's / Citibank continued to accrue interest from the date of the last statement. 
Macy 's / Citibank is engaging in unethical practices on two counts : 1. Macy 's entices its customers to apply for its branded credit card by offering instant approval and a discount for purchases made the same day the card is issued. What it does n't disclose is that it issues a billing statement on the same date that the card is issued and the first purchases are made, which guarantees most customers will miss the first payment. 
XXXX. Even though consumers may pay in full based on the last statement provided, Macy 's / Citibank intentionally accrues interest in a deceptive manner that guarantees the account will never be paid off, resulting in exorbitant service fees and other charges. Specifically, by the time the consumer receives a statement, even if the consumer immediately pays in full, a small interest charge has already accumulated. The predatory aspect of this is that Macy 's / Citibank relies on the consumer 's reasonable belief that s/he has paid off the account in full. Macy 's / Citibank 's subsequent interest and late charges amount to deceptive / predatory credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX working for a community mental health center that is funded by county government. I have been in this position for 8 years. I should be eligible for the public service loan forgiveness program. When the program began I contacted my servicer, XXXX XXXX, now Navient, and enrolled in an IBR plan in order to start making the XXXX payments needed to take advantage the the PSLF program. I was told that I would just start making payments, and that nothing could be done to certify or ensure PLSF participation until the payments were completed. I did not learn until this year that I should have been told to re-consolidate my loans so that they are the proper type to take advantage of PSLF. As a result 8 years of payments that I intended to count towards the required XXXX do not, and I have to start from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car XXXX  frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX XXXX XXXX in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff

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 11/23/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I purchased item # XXXX ( MacBook pro 15.4 '' ) from EBay for {$890.00}, USPS misplaced the item ( not the seller fault ) For 9 days after filling missing item with them, I filed claim with Ebay for not receiving the item, after two weeks the item returned to seller my money {$890.00} was n't refunded to my account EBay charges a percentage from the seller for selling the item, if I did n't follow up with EBay even I filed the case, all service calls Handle XXXX, to trick USA customers Ebay forcing XXXX to lie about their name and make things up and from one rep to another their procedures and regulation are different and EBay or their service provider ( XXXX ) selling or profile credit cards, social Securty number and etc, every year I find charges on my credit card even I have the credit cards on my Wallets and after 3 weeks Ebay did n't refund due to already charged their percentage from seller, now they saying call Paypal, Paypal using Indians for their service too, we are going to refund your money within 72 hrs, if the charge was n't {$890.00} probebly I will forget to follow up, anytime I win a bit and if the price is lower than actual price, EBAY AND PAYPAL screwed me for some reason and takes weeks to get the money back, the questions are does the seller exist, is it possible EBAY and PayPal screwing people from their money they might doing it at regular bases in USA because or laws are thougher but CFPB must look to this issue maybe something going on, CFPB does n't have to believe me but you be the judge! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am in the middle of a Loan Modification with Specialized Loan Servicing and now They sent my loan to XXXX WITHOUT SENDING ME A GOODBYE LETTER OR ANYTHING. Now Specialized Loan Servicing is doing the same thing they did before, Trying to say they never received my paperwork. I have the letter of CONFIRMATION FROM THEM SAYING THEY RECEIVED MY PAPERWORK AND IS PROCESSING MY MODIFICATION ANT IT MAY TAKE UP TO 30 DAYS. This letter is dated XXXX/XXXX/2016. SELECT LOAN SERVICING IS NOT BONDED TO COLLECT IN THE STATE OF TEXAS AND NITHER IS 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 05-07-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company offers an online payment option at a cost of {$12.00} per transaction, I have used it twice and have had the same result. The first time I tried several times to get a resolution directly through the mortgage company, they continued to charge me late fees and actually initiated foreclosure proceedings when in fact they had received my payment but did not credit my account. Unfortunately it as happened again, This time I do n't want to waste my time and energy going to the mortgage company because 1 ) they are offering a payment option and when used they do not credit your account and charge you late fees, 2 ) The frustration of dealing with multiple customer service agents, 3 ) the time and effort to correct a problem that is a result of their error. 
I have received a statement dated XXXX/XXXX/2016 that my account is 46 days delinquent and that I am in danger of foreclosure ; I have made the following payments {$1500.00} on XXXX, {$1400.00} on XXXX, and {$1500.00} on XXXX. The last payment was made via XXXX XXXX XXXX from their website. I received confirmation from the company of the {$1500.00} payment for XXXX ( Includes the {$12.00} fee ). What I do n't understand is they are now claiming that I have not made payments and they continue to rack up late fees. I would appreciate if they would review their own records, they are showing non payment for XXXX and XXXX which have been paid. I would also like them to review and reverse the late charges from this current episode and from the previous episode where I was charged late fees and attorneys fees for a payment made through their authorized provider for which they belatedly applied the payment in the previous incident and for which they have not yet applied the payment for the funds received on XXXX/XXXX/16. Additionally, if they are not able to complete the transaction with the current provider they have on their website, why do they continue to use said provider? Thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: XX/XX/2015, I became aware that a merchant had defrauded me on ten occassions. I contacted the Chase Credit Card Company on XXXX XXXX, 2015 and informed them of the fraud. I submitted my documentation to Chase and was able to resolve XXXX of the fraudulent transactions, but Chase continues to deny me XXXX of them. The first charge Chase ignores, denies the next XXXX, and grants the next XXXX by giving me a credit to my card. I have written a total of four letters to them without any understandable explanation as to their actions. They admit in their denial letters that they never were able to reach the merchant, but ignore the fact that the merchant went out of business and is now in bankruptcy court in XXXX XXXX, California. They never address why they credited me for XXXX, ignored XXXX, and denied XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSWORLD SYSTEMS INC (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: There was a tax lien showing up on my experian report when I do not nor have I even had a tax lien in my name under my social security number!!!!! I need this off my report!!! This company is a scam and I will sue them due to personal injury because of this!

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 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted dispute in past for some inquires and incorrect information. Please see the attached letter with details on of specific inquires and credit buereas. Please remove unauthorized inquires. Thank you so kindly in advanced.

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 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit Systems is reporting XXXX collection accounts on my credit report : {$1500.00} & {$620.00} respectively. I have contacted their office several times asking for an itemized summary of the charges that constitute these debts, but they will not supply me with this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 11/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX, we used a check from CitiBank for a balance transfer of {$14000.00} with zero interest for 17 months. We always pay off the balance before the deadline when interest starts accumulating. We put the payments on autopay to be sure they would be paid every month. When we went to pay off the balance, we found that 14.99 % interest had been charged for every month from the first month. Citibank stated that the balance transfer check was expired. First of all, there was NO statement on the check stating that if it was cashed after the date of XX/XX/2015 that interest would be charged. No Citibank representative ever attempted to contact us to inform us that the check had expired and that there would be interest involved with the use of the check. This is a gross misrepresentation. We have been Citibank customers for over 10 years and they will not review our case beyond saying they will credit only 2 months. We receive balance transfers all the time and there was no reason why we would choose one with interest over another one.

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 01-10-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Deposited 4 checks of XXXX each totaling XXXX I intended to deposit 2 into checking and 2 into saving however all 4 went into checking which I assume drew a red flag, I made my deposit on XX/XX/XXXX which was pose to be available XX/XX/XXXX however when I logged into my account it was blocked I then called XXXX who stated that my funds required an additional hold and that funds would be made available XX/XX/XXXX my account would remain locked til that time, however on XX/XX/XXXX I logged into my account and it was still blocked I again called XXXX which then stated that my account would be closed due to federal rules and regulation and that I would received my remaining funds in a check from SunTrust however when I received my funds they were only for XXXX?? from checking and XXXX from saving reached out to XXXX again for the deposit of XXXX was never sent they then stated my deposit was fraud and would not be released until XX/XX/XXXX because they were unable to verify the checks deposited into the account although the checks Cleared my account and the check issuer XXXX XXXX have not stated that the funds did not belong to me nor have recalled payment of those funds from this account. Filed complaint with CFPB who put me in touch with XXXX XXXX SunTrust a SunTrust Client Advocacy Team who never answered his phone to hear my side only responded with an email stating he decided to stand by his company decision to retain my funds til XX/XX/XXXX unless I provided a credit card statement for each transaction which is unable to be provided per issuing company XXXX XXXX these are refunds from gift cards which are unregistered however they ( XXXX XXXX ) have stated they can provide validation verification of the funds issued to me to SunTrust Bank however SunTrust stated that XXXX XXXX  need to recall and reissue the funds which they have no way of doing once the funds have been issued off the gift card, and will not provide nor accept the information needed to verify the funds

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