milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I contacted Netspend regarding unauthorized charges on my account XX/XX/XXXX I advised them my backpack was stolen with my credentials such as Id, bank card, cell phone and a result in this matter over {$600.00} was stolen from my account. I later found out somebody I know had stolen my belongings when she was caught stealing from XXXX and had my belongings on her. On XX/XX/XXXX  I received a email from Netspend stating that I will not receive any of my money back and that the matter is closed I do not understand how this issue was investigated properly this company is not protecting my money at all they never emailed me regarding suspicious activity. I can not continue to lose money like this and unfortunately it is hard for me to close this account due to the fact my husband is in the Military XXXX XXXX and he has an allotment scheduled monthly to this account. I will greatly appreciate your help. 

Thanks claim # 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 11/29/2017 about Debt collection (Medical debt) with Credit Service Company, INC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hi, I went in for my annual XXXX on XX/XX/XXXXand had my XXXX XXXX completed by XXXX XXXX. I discovered billing coding error this XX/XX/XXXXafter I was denied credit for a refinance. We I called XXXX XXXX third party collection agency Credit Service Company, XXXX XXXX XXXX XXXX XXXX CO XXXX phone XXXX, to get a copy of the bill for my doctor. The bill had a billing address on XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I have never lived at that address or used it for mail. The only way I could get anyone at XXXX XXXX to talk to me about the billing error was to pay the bill. The collection agency stated the payment would not be acknowledged on my account for 3 to 5 business days, when XXXX XXXX gave the okay to call the debt as paid in full. I verified with the collection agency that they reported the payment to the credit bureaus, however it would take 60 to 75 days to report. I sent the proof that there was a coding error to the collection agency in XX/XX/XXXX, however they said they have not reviewed it. I spoke with XXXX XXXX today and they acknowledged that they had incorrect account information for me. I have not been able to get anyone in either organization to look at the documentation from my doctor about the billing error and now I can not get refinanced at a reasonable rate, even though my credit is paid perfect other than the billing error. Also, my wife had this debt reported on her credit, even though the services were for me. She did not sign any paperwork accepting liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Due to this company ( XXXX XXXX ) and their unscrupulous business practices, I have been negatively affected on my credit by 200 points. 
When we left this property and moved out of state, giving a proper 30 days notice ( apartment ) Our unit was left move in ready condition, they were trying to charge us for cleaning fees, paint, carpet cleaning .We had only lived in this unit 6 months. We disputed all of this because it was trumped up charges or had to be a different apt they were talking about and they continually failed to respond only that they would look into it. We called, left messages, and emailed them with no response. Here we are 3 years later and find out it was turned over to collections with no correspondence, they had both of our emails, phone numbers, our forwarding address and my mothers address to contact us. 
The company that reported on behalf of XXXX XXXX is Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX MD, XXXX, PH # XXXX. I have called them twice, and they said tough luck, after I told them these were not true charges. The people knew we were moving out of state and took advantage of us by trumped up charges because we were n't going to fly back to walk into their office. We tried no less than 30 times to contact XXXX XXXX to no avail. 
Prior to living in this unit we lived in another unit on this property that was smaller and when we moved out they charged us nothing because nothing was wrong. Everything changed when we gave notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Credit determination

Complaint: In XX/XX/XXXX I got a secured credit card from Wells Fargo with a deposit of {$4000.00}. I was told that this secured credit card would be turned into an unsecured credit period if after a year I had maintained the card in good standing. I subsequently got another secured credit card from XXXX under the same terms. One year later XXXX returned my deposit and upgraded my account to unsecured, but after 16 months, Wells Fargo refuses to upgrade my card and return my deposit. When I questioned the reason for the refusal, they say that my credit report does not meet the standards to upgrade the card, yet they wo n't tell me what exactly is required in order to upgrade - just that my account is unsatisfactory. When I escalated the grievance I spoke with XXXX, ID # XXXX with Wells Fargo Credit Card Executive office, he told me that he shared the guidelines with me and that 's why they could n't upgrade the card, but he did NOT share the guidelines, he refused to tell me what it was that was preventing the card from being upgraded, he only stated that it was unsatisfactory. I have no way to get this deposit back other than close the account, which will adversely affect my credit score. Wells Fargo will not tell me why they wo n't give my deposit back, but XXXX did without even asking for it. I have no recourse - I am at the mercy of Wells Fargo deciding that someday my credit might be good enough to have the deposit returned and the card upgraded to an unsecured card. Customers have no recourse and they refuse to tell me what the requirements are. What can I do to get them to return the deposit and upgrade the card, or at least tell me exactly what on my credit report is preventing 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 explanation
Consumer complaint received 07-01-2016 about Prepaid card (Payroll card) with First Data Corporation (PA).
Issue: Managing, opening, or closing account

Complaint: I have a paycard through ADP. The card is issued by my employer. I had not used the card in over XXXX years. The department I am in now started to use the card again. I had lost my previous card so I had to call to get a new one issued. First they wanted to charge me a fee, which they can not do since this is a payroll card issued by my employer. I called a second time and again they wanted to charge the fee, but the agent I spoke to agreed to waive the fee and mail me a new card. I also updated my address with her. She advised that the card would be mailed. 
Over XXXX weeks later, there is still no card. I call again to check on the status. The prompt on the phone indicated that a new card was issued, but not yet activated. When I spoke to the call center agent she would n't assist me because she could n't verify my address. I repeated my current address and the previous addresses I had used. Keep in mind, I was certified with my social security number, name and date of birth. I requested a supervisor. The supervisor was inconsiderate and rude. He refused to do anything to help me. He kept saying that they could n't verify my address. I live in a city and I receive postal mail so the issue is clearly on their end, but he refused to do anything to help me. He kept telling me to fix the issue with my employer. The issue is that one of their employees put my new address in incorrectly. I also told that there are XXXX recent transactions on this card. This experience has been nothing short of frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I work for a title company. We ordered a payoff from Round Point Mortgage. We got the payoff, which was good through XXXX/XXXX/16. On XXXX XXXX, 2016 we wired the funds to Round Point per their wire instructions to payoff the loan in full. We have full confirmation that the wire was sent and I have verified the wire information given to me by Round Point. Round Point has not credited the account with the payoff, they are continuing to collect payments and charge interest on the loan. The Borrower and I have spent over 8 hours on the phone with them just to be put on hold and then cut off. They are not helping to resolve this issue. Even though we have given them copies of the wire confirmation, the payoff statement, our bank account statement they are still saying that they did not receive the payment. I have also spoken to a supervisor and he is at least a little more helpful, but not solving the problem. The borrow refinanced this loan, and has his first payment coming due on XXXX XXXX, and because Round Point will not resolve this issue in a timely fashion, he does not have the funds to make the first payment

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 09/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Went to office Wachovia Bank. Set up a account for my parents where I had power of attorney. Bank officer did not tell me power of attorney ends with death of my parents. There is {$2500.00}. which I can not het my hands on because to probate would cost me {$2500.00}.

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 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: TRANSUNION HAS REFUSED TO UPDATE MY CREDIT REPORT WITH XXXX AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. THEY HAVE COMPLIED WITH THE XXXX, BUT NOT MY AUTO LOAN WITH XXXX TRANSUNION ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.

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 05/23/2017 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has called, sent letters  XXXX   2016 , I told them this was not mine but someone elses. They are not bonded to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I am writing to complain about a penalty charge of {$89.00} put on my sole current account at US bank. 
On the morning of XXXX/XXXX/2016, I checked my account which showed a balance of negative {$20.00}, while in the process going to the bank to deposit the {$20.00}, I was told that my account was actually negative {$89.00}. I attempted to call customer service for assistance, but was scolded about what : my job '' is as a customer. There was no valid explanation about why the account showed XXXX different balances, within hours apart. I am requesting assistance from the Federal Reserve Consumer for help. bill. transaction. I do not understand this as I was not overdrawn on my account at that time.

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 09/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with WLCC (KY).
Issue: Struggling to pay your loan

Complaint: I did n't realize that online payday loans were illegal in Kentucky if they did n't have a store front. They had it hidden in their paper work that they can garnish my wages. Because of the large interest fees it is difficult to pay this loan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Rewards

Complaint: discover is not honoring 10 % cash back on XXXX purchases

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Equifax leaked my credit information and identity

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I initiated a dispute in XXXX to Equifax due to my balance and account status not being reported correctly. As of today 's date the account still is not showing my correct balance or that the account is current. On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX XXXX Customer service and she advised that XX/XX/XXXX they sent the credit bureau the correct account information showing that the balance was {$180.00} and that the account was current. I was advised to contact the credit bureau by the company. On today I received notification from Equifax that their investigation has been completed with the following remarks : We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is being reported correctly. This creditor has verified to OUR company that the high credit/credit limit is being reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX, XXXX MO XXXX Phone : XXXX I was advised to contact the Company by the credit bureau although they are reporting incorrect information. This should not take another 30 Day dispute as the correct information needs to be reflected on my account as this is impacting me negatively as the information is not being reported correctly after disputing with the credit bureau or contacting the company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with TRINITY HOPE ASSOCIATES (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Trinity Hope Associates attempts to continue to collect a debt that is not due. It is a medical bill fromXX/XX/XXXX that was paid directly to the physician's office. I provided proof of that with them several times and disputed the debt in writing and verbally. They continued to try to harass me into paying anyway. I submitted a complaint to your agency in XX/XX/XXXX Case number: XXXX. There were attachments made in that case that I can not locate at this time to attach again. The last correspondence of this was that I provided again proof of the paid debt and they did not have any further response to me or you. There was nothing else communicated to me by them until recently, XX/XX/XXXXwhen they started calling/mailing me repeatedly again demanding payment. They would try to call at different hours and talk to my husband (who is not on this account and shouldn't receive any information about it) and demand payment from him. They even once told him I was trying to call them to make the payment so he should just "hurry up and do it" for me. When I spoke to them myself, I explained the whole situation again and they said they still have no record for the proof of payment and asked me to send it again. They clearly do nothing with this information that I've already sent them! They suggested that I just pay it again anyway in order to avoid "a higher counsel" and/or legal fees if I was to take legal action against them. I have disputed this debt many times and they are still contacting me, which I believe is illegal debt collection practice. Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello all, My complaints with my loan servicer, and specifically my XXXX XXXX loan forgiveness payments, are as follows : Complaint # 1 : A qualifying payment of {$260.00} was made on XX/XX/XXXX, with a due date of XX/XX/XXXX. PHEAA says payment does not qualify is because, " You did not make this payment within the required timeframe. '' I made the payment 10 days before the due date. 

Complaint # 2 : Submitted annual recertification the Spring of XX/XX/XXXX via fax ( the only way for paperwork with the company at the time ). Try to contact company multiple times throughout XX/XX/XXXX ( even made extra payments ) to check on my status, and still received no word of my recertification. Because of this, I was forced to put my loan into administrative forbearance. I finally receive certification in XX/XX/XXXX, 6  months of missed time. 

Complaint # 3 : Delays my income/employment certification AGAIN from XX/XX/XXXX through XX/XX/XXXX. Another 3 months I can not count due to their unbelievable delay/lost paperwork. If you look through phone records on my account, a manager called me back informing me of restitution for their errors, which never happened. 

Complaint # 4 : Paid {$320.00}, based on an email from them saying " We want to remind you that your payment of {$320.00} is due on XX/XX/XXXX. '' However, is not counting the payment because " You did not pay the full installment due. '' I have an email in my hand right now that showed them saying I owed {$320.00}. I paid exactly what they asked. 

Complaint # 5 : Another extreme administration delay in processing my paperwork for changing my repayment type, this time from XX/XX/XXXX through XX/XX/XXXX. It is unfathomable that it takes 3 months to review paperwork that can now be automatically uploaded online and reviewed. 

As seen in the Massachusetts lawsuit against PHEAA has failed to process borrowers ' IDR applications timely and properly, thereby depriving borrowers of the opportunity to make qualifying monthly payments that count towards loan forgiveness. To accommodate its processing delays, PHEAA has put borrowers ' accounts into forbearance status, which is not a qualifying repayment plan for loan forgiveness. This is not acceptable, and I am requesting that the above mistakes and delays be corrected via restitution. As a XXXX  XXXX working for a XXXX, I 'm relying on this program and these mistakes are unbelievable. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.

Company response to consumer: Closed with non-monetary relief