milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase Bank- Mobile App and Telephone automated services providing incorrect account information on account balances and transactions. <P/>OnXX/XX/XXXX, I made two transaction of {$2000.00} and {$500.00} for a deposit on a new car with my debit card. The transaction posted to account immediately and funds were withdrawal. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>On morning of XX/XX/XXXX, I check my account and two transaction was no longer posted to my account. There were no pending transaction for {$2000.00} or {$500.00}. My account balance went back up to {$2600.00} +/-. I called the car dealership and they stated they would contact their bank. For safety purposes, I transferred the money XX/XX/XXXX to my other account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked account it is overdrawn! So I went ahead and transferred the money to cover the overdraft. The two transactions that disappeared finally posted 4 business days after the transaction date. <P/>I called the Chase customer service and went through the automated telephone banking. Their automated telephone service stated my account balance was $ 1160.00+/- when on their app stated it had $ -2200.00+/-. I finally got to a customer service representative and I explained to her what had happened. She continue to apologize for the confusion as if I was insane!! <P/>I asked her if those two transactions was posted to my account? Why was I still able to transfer {$2000.00} on XX/XX/XXXX from my check account if the money was not available? Chase online banking will not allow you to transfer funds between two account and overdraw your account. Also how was I able to withdrawal {$60.00} from the ATM on XX/XX/XXXX if my account was negative? Why would chase approve multiple debit transaction when my account is only able to go {$400.00} in the negative before transaction are decline? My account was overdrawn by {$2200.00}! It does n't add up. Their customer service representative would not help me or reverse the overdraft fees! She kept on saying I apologize for the confusion. <P/>Chase Bank is Frauding their customer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with Equifax credit reporting service regarding incorrect information reported. The DOB reported on my Equifax report is incorrect. The matter was brought to my attention when I applied for a job and the employer did a credit check and the information I 'd reported on my job application regarding my identity was not a match to the information reported to the employer by the credit bureau. 
- I asked Equifax to remove the DOB from my credit report after they 'd told me that in order to correct the incorrect information they 'd require I submit to them my birth certificate. Because I am a victim of identity theft ( the most recent occurrence in XXXX 2016 ) I would not submit to sending in my birth certificate. 
- I did send, however, a document of identification, a copy of a police criminal report pull verifying the year in which my social security number was issued and from which state, and a copy of my social security card. 
- Equifax responded by informing me they would not remove the DOB from my credit report and would continue to report the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX company put {$26.00} collection account on my credit report without contacting me, or giving any notice or invoice, 4 months after I closed account and paid it in full. After I closed account in XX/XX/XXXX, for few months I called every month asking what is my final bill is, they could not tell me because they " did not read the meter yet ''! Finally, XX/XX/XXXX I called and they told me I owe {$28.00} outstanding. I paid the {$28.00} immediately. I never received any bills or notices that I have any more outstanding balances. All my mail was duly forwarded. Then all of a sudden XX/XX/XXXX i saw a " collection account '' from XXXX XXXX for {$26.00} on my credit report! For 10 months now I am trying to get it resolved thru Experian Credit Agency. I submitted dispute. After 30 days they informed me that " they verified the account ''. No additional information was provided as to exactly what information was verified and by which documents it was verified. When I tried to dispute their " investigation report '' they said this account was already investigated once and refused to make any further investigation into this dispute.

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 05/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter has a Student loan with Navien Collection Agency ... I willing to pay them by bank check or money order ... they refuse to take my bank check or money order ... They want me to pay by debt card ... I have told them XXXX times ..I do not want to apy by them having my Debt card ..and they been giving me a hard time .... the balance to this loan is XXXX anbd willing to paid XXXX upfront by bank check or money order ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard had a technical glitch that has not allowed many users access to their accounts for weeks. Money is still being held and access to accounts is still unavailable for some. I personally have the wrong account number listed. There has been updates however does not explain in details the issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Other fee

Complaint: I contacted Chase ( JP Morgan Chase and Co ) on XXXX/XXXX/16 and was told that the total balance was {$6900.00}. This amount was paid on XXXX/XXXX/2016 and Chase was instructed to close the account. The account remained opened and purchase interest charges were assessed on XXXX/XXXX/2016 and XXXX/XXXX/2016. There is now a balance of {$72.00} on an account that was suppose to be closed after the final payment was made.

Company response to consumer: Closed with monetary relief
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: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information and did not have adequate redundancies in place to prevent a data breach that affected myself along with 143 million others. They also failed to inform me immediately and I suspect insider trading occurred as a result of this. They must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit card () with TD BANK US HOLDING COMPANY (IL).
Issue: Credit line increase/decrease

Complaint: My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been calling XXXX  and Transunion to remove or at least update my XXXX  XXXX XXXX  Personal Loan item from my Account. 

The account was paid in full XX/XX/XXXX, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX XXXX XXXX  stating that the account was paid in full XX/XX/XXXX. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.

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 07/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery calls from a different number every time. No message on a new number. We do not know if it is for us or an old owner of this number. They call at least XXXX times daily. We can not even use our phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Medical) with Vengroff Williams, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i owed XXXX money regarding a medical leave payment discrepancy in 2014 - I was placed in collections and immediately paid the balance that was due. It is now 2 years later and I am trying to purchase a home and I am being denied by all creditors because it shows on my credit report that I owe collections money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I attempted to deposit cash approximately {$100.00} into the at the BBVA branch at XXXX XXXX XXXX, XXXX, TX, XXXX on XXXX XXXX. The machine took the cash and then showed a screen that stated " We can not process your request. '' It did not then return my money, and I have not been credited for the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (WI).
Issue: Managing the loan or lease

Complaint: XXXX XXXX 2016 I am filing this Complaint because Paypal 's response to my earlier Complaint ( XXXX ) made no attempt to resolve the matter in question, namely a {$250.00} refund issued from XXXX to Paypal. Paypal 's response was nothing more than a reiteration of the conversations I have had with them over the past several months. 

The XXXX item Paypal requested in their complaint - the email from XXXX indicating the transfer to them of the {$250.00} - was faxed to them on XXXX XXXX 2016, to the fax number they provided ( XXXX ) in their response. The Transaction # XXXX in this email was furnished to your staff in my our last conversation and in my Complaint. 

Paypal, as the financial institution that facilitated, the purchases I made with XXXX has a fiduciary and ethical duty to resolve the refund matter in question. It is their duty, to work with XXXX, to resolve this matter. In all my conversations with Paypal, and per their response to my earlier complaint, noted above, I can detect no such attempt. Paypal 's actions fall short of the actions of all other financial institutions I have dealt with, who have always contacted the merchant to resolve a problem. 

I trust that Paypal will now take the actions noted above, that their fiduciary responsibility requires, to work with XXXX to resolve this matter. 

Further, as you know all purchased items were returned to XXXX shortly after purchase. You can confirm this with XXXX. So the return of the items is a mute point and not at issue. 

As XXXX is a party to this matter they have also been named in this compliant. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: I used Bank of America 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by BOA that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.

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 01-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt was from XXXX XXXX XXXX XXXX XXXX for a modem which I returned to the company in XXXX 2015 ; XXXX issued a receipt to me but did not clear the {$60.00} from their records. The company recorded {$60.00} as a debt and transferred the collection to Credit Control Corporation which has added {$31.00} to the original amount being collected. CCC is now sending me collection letters for {$91.00}. This debt is not only unjustified, it is entirely wrong and has been recorded in my credit report thereby affecting my credit score. Please have it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from PRA Recovery. He said I owe a debt to XXXX XXXX XXXX in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX is claiming {$130.00} owed for auto insurance on a policy that was cancelled and paid, with a XXXX balance. XXXX XXXX was dropped by me due to my finding a more suitable insurance carrier. I personally cancelled the homeowners and bundled auto insurance. XXXX XXXX charged me {$1200.00} for home owners insurance and XXXX monthly for automobile. When I switched insurance carriers, my premium was now {$510.00} for homeowners and {$60.00} monthly for automobile. Significantly lowering my bills. Which by the way, I repeatedly requested XXXX XXXX contact me directly and explain why my premium was so high. XXXX XXXX failed to contact me for over 4 months, thus resulting in me seeking a more suitable insurance carrier. Additionally my escrow was significantly lowered as a result. I can prove and have sent in my payment history to XXXX XXXX, yet in retaliation of being cancelled, XXXX XXXX sends this {$130.00} to collections in an attempt to ruin my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX XXXX and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. now, recently, almost a year before my account has been transferred to AMERICAN EDUCATION SERVICES, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested them several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. they just say they will send the request to my previous loan carrier which was XXXX and they will mail you, i never had received the mail and i requested them several times. but my question is if it is same account that has been transferred to AMERICAN EDUCATION SERVICE and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.

Company response to consumer: Closed with explanation