milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2016 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (IN).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a widow and a woman with a XXXX, I have limited money so I do XXXX on the side to support me and my daughter. On XX/XX/XXXX a client paid me via XXXX a deposit so that I can start a editing job for her FOR more than 24 hours I could not access my own money that I worked hard for. I contacted the business three times and I was advised that my money would be released so that I may transfer it within in two hours. I first called the business at XXXX on XX/XX/XXXX. I called again in the afternoon on the same day and was advised in two hours the website would be working. It is now 24 hours later and I have not been able to transfer my money to my prepaid card. 

I contacted them to ask them what were they doing to compensate for this inconvience. I was told nothing would be done. I still do not have access to my money and because of this I need to file a complaint against XXXX this is unacceptable I called again on XX/XX/XXXX spoke to a Rep named XXXX asked for his supervisor I was hung up on .... 

my client is upset because I promised her a sample before we got started on her project. I had to take money from my Personal savings account so that I can start on this project for a client because paypal 's prepaid card is having problems and you are not able to transfer money from your paypal account to your prepaid card. I use this account for my business and they are affecting my business. I asked them what they are doing to compensate for this and I was advised nothing would be done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I lost my debit card and someone made some transactions that was no me and with the bank close my account and im desputing those charges and with i want tham to take that off my record

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 11/28/2016 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son went to the XXXX in Florida bc i could n't take him to a walk in clinic. I verified with my insurance company which i still have. I gave the hospital all documents to support this issue. XXXX has already removed this from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Please see attached copies of the - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX prior to the deletion that occurred in XX/XX/XXXX per law. The original date of the first delinquency was XX/XX/XXXX which has now been reentered illegally reflecting a date of XX/XX/XXXX. Also, my credit score has taken a major hit as the account is reported as the first major delinquency as XX/XX/XXXX which was previously listed as XX/XX/XXXX. I have attached a copy of the XX/XX/XXXX reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/XXXX and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Allied Interstate LLC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO).
Issue: Trouble during payment process

Complaint: Since the beginning of XX/XX/XXXXever since the previous lender sold the paperwork to a new investing company XXXX XXXX XXXX has treat us as the previous mortgage company, begining as the previous company ending with with their predatory lending practices. 
No mortgage statements have been sent from the servicer since XX/XX/XXXX, inquiring with them is impossible, w/ remarks from a Rep. XXXX XXXX recently, on ( XX/XX/XXXX ) @ XXXX, for me to prove it. 
When l told him l was recording our conversation, he responds, " l 'm going to have to end this conversation '' ... Click! However there 's double standards everytime l call them their message recorder tells me, our conversation will be recorded They 're being totally unreasonable to any of my requests. 
I 've asked to remove a lien from the previous lender that still shows on my Title Deed, in the amount of {$100000.00}, since they 're the Servicer of my present loan and the previous lender no longer has anything to with my loan as their voice recorder says. " Contact my loan Servicer. '' I am also asking for closing documents on the original loan from the orginal lender. Anything like a documents on the transactions that have transpired and where l stand or better than that where do they have anything or than to raise the amount of my original lender in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Someone stole my daughter 's identity and was using it do online transaction. OnXX/XX/XXXX, my daughter received a report from Chase Bank, alerting her to an overdrawn that left her account in the negative. She contacted Chase customer service and she was put through to the claims department where she  disputed the claims. She was told that after an investigation, that she would be contacted. I made sure to remind her to keep up with them, Chase Bank did n't send any letter to inform us the outcome of their investigation. We did n't know what was going on. I was concerned because when I first opened that Chase account for her, I linked my account to hers, so I could monitor her spending habits. This person continued to write checks in my daughter name and deposit it online. A total of {$3600.00} was deposited and withdrawn from her account. by this person. Meanwhile at the time of the Illegal online transaction my daughter has only {$90.00} in her account. 
On XX/XX/XXXX, when my daughter turned XXXX, without a completion of the investigation by the bank, the total amount that was withdrawn from my daughters account, was withdrawn by Chase bank, from my account. I called the bank and tried to find out why they had taken money from my account and they claimed that it was because it was linked to my daughters account. I repeatedly tried to explain to them that I didnt think they should have taken money from my account, especially considering that the overdraft was not from my personal account and besides, it was an unauthorized transaction. I tried to explain several times with the hope that they returned my money, all to no avail. Chase Bank later sent an affidavit to my daughter explain to them what she knows about this unauthorized transaction, of which did. It was afterwards that bank sent a check to my daughter in the amount of {$2100.00} with holding {$1400.00}. On XX/XX/XXXX, the bank started taking money from account again without any explanation. In separate occasions in the month XX/XX/XXXX, they took {$330.00} and {$480.00}. I called the bank to find out what was going on they told me they want recover the money that was sent to my daughter. They told me make payment arrangement. Chase bank could not protect my daughter 's account. Now I 'm being penalize for unauthorized transaction from daughter account. Look at little me and giant Chase bank taking the little I have. I have attached my supporting document with this complaint. I would like Consumer Finance Protect Bureau to investigate this matter. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have paid both XXXX XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects it was paid but not the other. They both cleared the bank on the same day.

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 07/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Citibank sent me a mail promotion for XXXX for opening a Citigold account and satisfying some criteria. The Citigold account had to be funded with {$50000.00} and also has monthly fees - I have satisfied all of their requirements including opening the account, funding it, paying fees, getting a debit card and spending {$1000.00} on it and doing online bill payments for 2 consecutive months. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles

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 02-12-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Rewards

Complaint: I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my " FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Bank of America because they were not responsible Bank of America directed me to XXXX and said they were not responsible

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 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN HAS LISTED IN THE COMMENT SECTION OF GOAL FINANCIAL THAT THE ITEM WAS UPDATED FROM OUR PROCESSING OF YOUR DISPUTE XX/XX/XXXX. I NEVER DISPUTED THIS LINE ITEM. I DID ASK FOR VERIFICATION FROM EXPERIAN THAT THEIR SHOWING ME TO BE 180 DAYS LATE ON MY PAYMENTS WAS CORRECT. THEY HAVE NOT BEEN ABLE TO SHOW ME VALIDATED PROOF. HOW CAN I BE LATE ON A LOAN THAT WAS IN FEDERAL DEFAULT PROGRAMS XX/XX/XXXX AND XX/XX/XXXX. THIS INFORMATION THAT THEY ARE LISTED IS INCORRECT. SO I AM ASKING THAT THEY GO BACK TO XXXX AND GET PHYSICAL PROOF THAT I WAS INDEED LATE FROM XX/XX/XXXX TO XX/XX/XXXX. I DO NOT BELIEVE THAT I WAS AND YET THEY ARE REPORTING THIS. I AM ASKING THAT THIS ACCOUNT BE UPDATED TO SHOW OK/CURRENT TERMS OF AGREEMENT MET AS WELL AS UPDATE THE COMMENT TO SIMPLY SAY " ACCOUNT CLOSED DUE TO TRANSFER '' AND TO REMOVE THE REST OF THEIR STATEMENT THAT MENTIONS THE WORD DISPUTE. NO ONE DISPUTED THIS. ASKING FOR PROPER VERIFICATION IS NOT DISPUTING.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Since XXXX XXXX, 2017 I have been in contact with all three major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all three bureaus had a glitch were unauthorized.

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: Transunioin-I attempted to place a credit freeze on my Transunion account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than Transunions. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?

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 04-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient is refusing to come up with a payment or deferment plan that is suitable. I am working on a XXXX and they say that I have no more " in school deferment '' time. The documentation that I signed states no such limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with MOHELA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am a XXXX and work XXXX, all of which qualify for the public service student loan forgiveness program. I have been on the program for several years. I have XXXX things I need help with. 

First, unfortunately, when I first went on the program I was mistakenly told to sign up for a type of government student loan which did not qualify. I found out and changed to a program which does. 

The problem is, I ca n't find out exactly when I was put on a qualifying program so I do n't know how many more payments I have to make to reach the 120 payments required on a qualifying loan and have the rest of my loan forgiven. 

When I called the Department of Education to ask, they told me they do n't know and I have to call my current loan servicer. But when I called them ( MOHELA ), they said they do n't know and told me to call the Department of Education. 

In the meantime, because individuals combining several part time jobs must work an average minimum of 30 hours per week to qualify as a full time employee and get the loan forgiveness after 120 payments, I have to have a combined XXXX and office hour load of 30 hours per week. This is because most schools will only certify the hours I XXXX and hold office hours when they fill out the employment verification form I must give to the government, even though they know my work load is much heavier. ( I also have to XXXX, etc. ) A normal XXXX load requires XXXX between XXXX- XXXX classes a semester for a total XXXX time of about 9 to 15 hours a week plus one or two office hours a week. I 'm doing double that XXXX load. I would like to cut back my XXXX, but can not do that until I have made the 120 student loan payments under an approved loan program. 

Can you please tell me how to find out how many payments I have already made under the required loan plan so I can know when I can cut back to a more normal teaching load. 

Second, Could you also do something about requiring schools to XXXX work more hours then just those XXXX, and include those other hours on the work verification forms we have to turn into the government to verify our work loads. There are many job where the employee is 'out of the office ' but still obviously working many additional hours per week ( inspectors, real estate agents, visiting nurses, plumbers, house painters, etc. ). Can we please do something about this. It is my understanding that for the Affordable Care Act a school has to put about 2 1/2 hours work for every hour a XXXX. That 's a reasonable approximation ( if understating the work most of up put in ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of XXXX and declared " unemployable '' XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX and this does not help XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been a student loan borrower for 10 years now and have been struggling with my payments since I had to leave college for not having enough funds to continue. Since then I have been through XXXX different job positions that have had nothing to do with my college education. I have been in deferment and forbearance multiple times because of my income based hardship. Even last year I was so desperate to bring my huge debt down that I found a loan forgiveness company, XXXX., and paid out {$600.00} and have yet to see any of my loans significantly decrease. I 'm sadden that it has taken this long and I have yet to put a dent in my ever interest growing loan. I have called Navient and XXXX multiple times to figure the situation out and I have only come up with giving up and paying Navient back. 

Currently, I 'm unemployed, not receiving unemployment benefits, and I just had a XXXX leave pay too. How is a person supposed to survive when my student loan payments are as much as my rent? I had to go on welfare just to feed my child. This is n't the life I thought I was going to have when I agreed to borrow money for school. I did n't know I would probably be going to my grave with so much debt. 

So now that you know my story and I 'm sure others, what can you do to help me? What can be done to help my situation of barely surviving in XXXX with a XXXX who needs me more than ever? 

Please do n't just ignore this email. Actually read it through. My story is n't too different from the million borrowers under you. We 're all struggling as a whole and all we wanted was an education to have a better life. Thank you for your time.

Company response to consumer: Closed with explanation