milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (PA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I had been using XXXX ( formly Active Hours ) since XX/XX/2017. The point of the app is that you take out a small loan, and pay it back in full, automatically on your next payday when the bank detects money in your account. 

In late XXXX I updated my bank account information to a new account as the one they had on file was not going to have sufficient funds to clear this amount and was in the process of changing to a new bank. 

On XXXX XXXX  removed {$50.00} and on XX/XX/XXXX they removed {$150.00} AFTER I had revoked authorization on this account and after I gave them an updated account to bill. 

I disputed it with my bank. They told me because it was an ACH debit that they could not reverse the transaction and I would need to contact XXXX. 

XXXX has no phone number to call, everything is done by message on the app. I've been around and around with them and they refuse to refund the amount that was charged in error, despite the fact they have my new bank account information. 

This has caused considerable issues for me with my bank account. I believe after I revoked authorization for them to charge my account they should have stopped charging it and used the other account I gave them!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted EQUIFAX, XXXX, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX, XXXX XXXX, GA XXXX XXXX : Claim Dispute - NAVIENT - Account # XXXX To Whom It May Concern : Please accept this letter as formal dispute regarding falsely submitted " derogatory '' entries on my credit report. 

History - This consolidated student loan was comprised of XXXX student loans taken out by my son, and cosigned by me. They were : XXXX XXXX, XXXX in the amount of {$4000.00} XXXX XXXX, XXXX in the amount of {$2000.00} I made regular and timely payments on the loans for the benefit of my son. The loans were paid in full on XXXX XXXX, XXXX. 

In XXXX XXXX I was notified by Navient that there was a remaining balance of {$750.00} on these loans. I disputed this claim, knowing that the loans were paid in full in XXXX. 

For over three months we argued over this matter. I based my argument on the facts that : 1. I knew we had paid these loans off in XXXX 2. Navient had made national news about their mismanagement of student loans, including false claims of outstanding balances. 
3. Navient correspondence came in the form of apparently photo-copied statements. This indicated to me that these were possibly " scams '' based on national media reports about Navient. 

Once the derogatory entries were made on my credit report I immediately paid the claimed balance, which had grown to {$820.00} during the dispute period. I continue to contend that I did not owe this amount, but I made the payment to end the issue and hopefully avoid derogatory entries on my credit report. Apparently I was unsuccessful in the latter. 

I hereby request that these, and all related derogatory entries on my credit report be removed, and that they be replaced with a statement of correction. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Cc : Consumer Financial Protection Bureau Via CFPB Website

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: I lost my wallet on XXXX/XXXX/2016 and called Bluebird by American Express. They stated that XXXX ( XXXX ) charges had been made using the card for {$300.00}, XXXX and XXXX. Once the transactions posted on XXXX/XXXX/2016 I called back to dispute the charges. I filled out and submitted the dispute form on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they informed me via email that they had concluded the investigation and I was due no money back for the {$300.00} & XXXX. At this time I contacted BlueBird as it stated at the bottom of the mail. After an hour, a Supervisor told me that they could not tell me how they determine the outcome or what information they had. I was told the information was " proprietary '' and " confidential '', I was also told that the people who make these decisions " have no phones '' and there was " no way to contact them ''. On XXXX/XXXX/2016 I was told that they had finished the investigation on the {$500.00} and again I was owed no money. Again the email from the bank stated to call them for the documentation they used to make the decision and again I was told that I was not allowed to see the information

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2015 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: TOOK A XXXX LOAN OUT MADE A FEW PAYMENTS BUT I LOST MY JOB, MY HOME, MY CAR. I COULD NOT AFFORD THE PAYMENT. I TOLD COLONIAL FINANCE IN XXXX I COULD NOT. THEY CALL MY CELL AND WORK EVERYDAY. MAIL LETTERS, COME TO MY HOME. AND NOW STALKING ME AT GAS STATIONS. I CRIED AS SOON AS I GOT INTO MY CAR OUT OF EMBARRASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XX/XX/17 I called XXXX XXXX regarding my student loan - I was reminded that my student was moved to Navient. XXXX forwarded my call to Navient and provided the number for Navient. However when I called Navient I was never able to speak to a customer service rep or remain on hold to speak to someone. I tried the call twice but both time Navient disconnected my call and would allow me to remain on hold for the next agent. This is unacceptable. I was calling to advise that I had been terminated from my employment. I will be unable to continue to a XXXXper month student loan payment as I now have only Social Security Retirement as my current income. I chose NOT to have Navient return my call at their convenience, I was prepared to wait on hold for the next agent. How can a lender refuse to allow a customer to wait on hold for service. Navient should allow customers the option to wait on hold - now I have to continue to try and reach them when they will not hang up on me. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX, XXXX, XXXX XXXX, XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed with this company more times than i written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation i requested 1. When was the account opened. 
2. The first time i missed a payment.
3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. 
They will not release this information to me and its been way over a year. Also i can submitted by mail a certified mail receipt and letter i wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company. I think they are scammers because why would n't they release the information i ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 02-06-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: AT & T Universal ( Citibank ) raised my rate due to a late payment almost two years ago. I was told the new rate 28.00 % plus would last up to one year. I recently noticed the rate was still 28.00 and I called to ask why. I was told by the agent ( XXXX ) that information was " proprietary '' and he could not tell me. I told him I was going to close the account, he did not argue, did not try to keep my account (??? ) I asked him if he investigated could he tell me, I was placed on hold, he returned and he said " no. '' I closed the account today XXXX/XXXX/2016 as my other credit cards are half that rate ( or less ) and I have a credit score over XXXX! I would hope the rate they are charging and the " proprietary '' reason can be investigated. As a consumer I believe I 'm entitled to know why I 'm being charged 28.00 % when I have good credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 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: Account status incorrect

Complaint: The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: APR or interest rate

Complaint: I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer

Complaint: In XX/XX/2017, I discovered fraudulent activity on my Best Buy branded Visa credit card. I immediately called the issuing company, filed a fraud complaint which went smoothly, the account closed, investigation opened and a new card issued. On XX/XX/2017 I received a letter that reads " We are writing to inform you that we completed the investigation on your " My Best Buy Visa Platinum account. As a result, we removed the disputed charges and any related fees and interest charges from your account. '' I have since started receiving calls from Citi card services which is the issuing bank for the card. The system is an automated dialer that will leave a pre recorded voice message, but when I answer the call, the system disconnects with no messages. I called the customer service number on the back of the card, and the system tells me I have an outstanding balance that is past due. Upon further investigation, it is a balance transfer that would be equivalent to charges associated with the fraudulent activity that was reported and supposedly resolved. I have made multiple attempts to contact the company directly via telephone. Every time I call, it is a hassle to get through the automated system to attempt to speak to a real person. When I finally get to a point where I can speak to a person, I get a recording saying the office is closed, which proceeds to list business hours that I am calling during.

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 06/15/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Struggling to pay mortgage

Complaint: A loan modification review was conducted and the lender did not provide a compliant reason to deny the homeowner the option to pay back their debt. They didnt list who the investor is and why they are not required to modify the loan. They did not provide the specific reasons as to why the investor does not have to comply to RESPA guidelines.

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 08/16/2017 about Checking or savings account (CD (Certificate of Deposit)) with U.S. BANCORP (WI).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: In XX/XX/XXXXI called the number on my CD documents to determine the amount still in the CD. The last transaction was in XX/XX/XXXX. I was transferred many many times and could not get an answer. Eventually I was informed by phone that the records could not be located. I called the local consumer news advocate who also spoke with US Bank. Then, in XX/XX/XXXX I received a written letter that there was no information regarding my CD, it must have closed. My CD has not closed, I purchased three CD 's at the same time int he same amount. I used 2 fully and withdrew {$1100.00} from this CD in XX/XX/XXXX, afterwards, it kept renewing, as it had been. Now, I can not get any information about the CD.

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 01/20/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My parents and I had no clue what we were doing when applying for college aid. I ended up with private student loans, which seems to have been the worst choice. I have a teaching degree and now work in public health. I have XXXX different due dates for loans originally through AES but now have been sold many times. Their communication is despicable. I have no realistic way of consolidating these loans and would like some assistance/relief.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: previously i filed a complaint against American express because they keep denying me due to a old bankruptcy with your help they called me and issued me the new card then supposedly fixed the problem. they indicated it was a internal issue. well i called them and tried to replace a card I 've had with them for 3 years with no balance with a cash back card. they said i would have to apply for the new card and then cancel the old card. well i did. guess what. denied due to a so called bankruptcy again. they sent me it in writing and i quote ( filed bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: THis is my Complaint with Chase Morgan Bank Please HELP. CHASE MORGAN BANK keep trying to FRAUD me with my OVERDRAFT. 
Ok for over a week all my purchases has been pending and these purchases are was paid and and delivered threw mail but yet it was still pending. Chase just want me to be confused that show I have money when actually my account is already negative. They just want me to buy more when my account is already overdraft. 
RIGHT WHEN I send them online message about why all these almost or XXXX purchase are still pending. They fix it the same day or night. 

WELL NOW. I paid XXXX {$330.00} and it actually showed up on my Account. But when XXXX charge me for {$450.00} why did Chase all of a sudden put this {$330.00} pending and charge {$450.00}. You see I figured out my purchase. I paid the $ 335 days before and it was not pending. So that left me with about {$59.00}. Then I knew XXXX was going to charge me the {$450.00} whcih I will be charge an Overdraft fee. 

But what does Chase go and do so I can PAY for XXXX OVERDRAFTS. The put the {$330.00} that was not pending days ago in pending now and they paid for the {$450.00} which was just posted today and should of been pending. 
And this is how they charging me for XXXX OverDraft. 

I am sick and tire and I am tired of CHASE taking advantage of my XXXX becuase I have a payee too. CHASE has been doing this and IM FINALLY FED UP.Im XXXX and angry and having problems with this. I am on SSI and struggling. They know I need the bank for my SSI. What they think im to dumb or stupid and to sick. 
PLEASE I am going to file with the Consumer Complaint and XXXX and WHo ever else I can reach. and XXXX XXXX ect ... 


THank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX.  There should not have been any credit reporting. This has dropped my FICO score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Payday loan () with ENCORE CAPITAL GROUP INC. (OH).
Issue: Can't contact lender

Complaint: I 'm not really even sure who the original lender is. All I know is on XX/XX/XXXX my paycheck was garnished and I never received any notices. I got a letter with my pay stub saying midland llc garnished me. I did a little research and apparently some company by the name of XXXX was suing from XXXX. Never dealt with them before. I called midland and they gave me another number to call but they never answered

Company response to consumer: Closed with explanation