milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (AK).
Issue: Money was not available when promised

Complaint: On Friday, XXXX XXXX, I scheduled a money transfer of {$450.00} through Western Union ( WU ) to my son in Oregon through the Wupay ( billpay ). On Monday, XXXX XXXX, money was sent by ACH from my bank account to WU. The money as advertised should arrive in 3 days on Wednesday, XXXX XXXX. The money did not arrive so I called WU. They said that they had n't received the money and to wait a few days but in the meantime they would escalate the transfer to research. I called at XXXX Friday, XXXX XXXX about the status and they said it was still not funded but it had been escalated and should just be a couple of hours. They left me a voice mail to provide them a confirmation number from my bank. I called back at XXXX, Friday, XXXX XXXX gave them the confirmation number and heard that the money still was not received but they assured me that it would be resolved because they resolve these within XXXX hours. I called them again on Saturday, XXXX XXXX because they said the money was still not received. The customer service supervisor launched a XXXX way call with my bank and got the ACH transfer code. I was on the phone with them for over 2 hours. As of today, Monday, XXXX XXXX, it appears they did receive the money on Monday, XXXX XXXX but my son still does not have access to the money. Here is the recent email : Dear XXXX, I hope all is well. 
Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. 
Should you require further assistance please do not hesitate to contact us. 
Best Regards, XXXX XXXX, Customer Care OperationsXXXX Regional Operations Center -- -Basically, they have had my money for over a week. It is ridiculous that they kept putting me off like it was not their responsibility to figure out and should be paying me interest on that money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: There try to collect a debt from XXXX from XXXX XXXX in the amount of {$280.00} .In XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance XXXX currently in court about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Auto) with EXETER FINANCE CORP. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: So far this morning they called me at XXXX, XXXX, and XXXX. I am currently at work and unable to answer the call and as I am typing this at XXXX, they are calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (IA).
Issue: Problems when you are unable to pay

Complaint: I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Two transactions on XX/XX/XXXX and XX/XX/XXXX were transacted for XXXX dollars on my card and they were unauthorized. Upon notifying the card issuer they said they would be unable to file a claim on these fraudulent charges. As well they said they would be locking my account and refusing me access to the rest of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold checking account promotion where XXXX bonus points would be granted if bill payment was used twice within 60 days. I have electronic confirmation that the promotion was linked to my account, that the requirements of the promotion were met, and that the points would be posted by XXXX/XXXX/16. On XXXX the points had not posted, so I inquired through chat and was told that they were scheduled to post that day. They did not post. 

I recontacted Citi on XXXX/XXXX/16. I was told that an investigation would be opened and I would be contacted by XXXX/XXXX/16 with the results. There was no contact on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again and was told that they have no record of me being targeted for the promotion and the promotion was being denied. This is despite me having XXXX different confirmations by Citi - that the promotion was tied to my account, the criteria was met, and that the points were scheduled to post.

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 08-01-2015 about Debt collection (Payday loan) with CASHCALL, INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a loan with XXXX XXXX / Cashcall.com / XXXX XXXX XXXX. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Medical) with Central States Recovery, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection agency calling me from a doctor I did see. This doctor was told that my attourney would pay after the case was settled from an accident. The doctor then shortly after being told, turned it over to collections. They called me and I told the collections they would need to contact my attourney about it ; at the time he was handling the case. Now however, The case ended close to a year ago and now they are claiming they have n't been paid. They keep calling me while I 'm at work and wo n't leave me alone even though I have told them my attourney paid everyone. The doctor is the original XXXX at fault for even turning it over to collections after being told it was being settled by an attourney.

Company response to consumer: Closed
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Ive  am sti ll paying for a Student Load  (   XXXX   XXXX   XXXX   ) si nce   XXXX    .The original loan was    XXXX  Dollars I am still paying extremely high late fees and high interest for over 20 years later for this loan due to a default. .I make prompt monthly payments.Can you help help me?

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Credit card) with The Bureaus, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Bankruptcy

Complaint: I had a credit card with Chase Bank that had an outstanding balance that was discharged thru bankruptcy. This debt is still showing on my credit report. I met with Chase Bank employees to get a written statement that there was no outstanding balance. Although the bank agreed that the balance was discharged they would not provide documentation to that effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed a couple times, this is an unknown account listed on my credit file. Requested validation and nothing has been received. Inaccurate information against me

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the car in FULL in XXXX 2012. This should NOT be on my credit reports! It was stated on my report that " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. '' I have contacted the company for THREE years with no response!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: CITI Credit card offered me a promotional credit card to transfer balances. I applied and was issued the card. CITI has continued to charge me for returned check fees and other fees when they had the incorrect information on file. I called them at least 6 times, and the last person I spoke to was a horrible person, rude and not the least bit interested in resolving this issue. I have tried to contact them and as I explained, they don't care, and they don't have customer service reps that care. All I want to do is cancel the card, pay the balance minus any promotional fees they charged me for the transfers and returned check fees which there were not any. 

I don ; 't want this to affect my crfedit score, which has been excellent for many years, and I hope that CITY pays more attention to their customers. I have had other credit cards for manby years and have never dealt with a company so bad as CITI

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 02-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern Trans Union, XXXX. XXXX XXXX, XXXX, XXXX XXXX Please update my phone number to my public and fraud alert cell XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Name Errors : NAME : XXXX XXXX NAME : delete not my name XXXX, XXXX, XXXX delete not my name ADDRESS Error : ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX I never lived at these addresses. 
Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I been living there since XXXX/XXXX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX ss # XXXX dob XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (GA).
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: I have a total of 20 collections from Central Financial Control on my credit report for XXXX XXXX they were removed and some how replaced back asked for documents and bills to verify each account still no verification but its being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: i sent in a dispute to Trans union, the item i disputed was XXXX, that 's the only XXXX account on my credit report, now i find out Trans union never sent in my dispute to XXXX they never investigate my dispute, i spoke to trans union the date of the dispute letter was dated XX/XX/XXXX so they received it about XX/XX/XXXX by law Trans union needs to remove it it from my report

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 06/16/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Contacted me again after I advised that I am being represented by an attorney to reorganize my debts. I advised  XXXX  to not contact me again by phone and to refer all inquires to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since  XXXX   XXXX ,  XXXX   XXXX   XXXX  has been reporting  XXXX  collection debts to my credit. My understanding is that  XXXX  relates to an old   XXXX   account P.R.A. purchased, and the other relates to an account originated with  XXXX   XXXX   XXXX .     I also understand that P.R.A. is allowed to report the account as a collection to the various consumer credit reporting agencies, if it meets certain criteria. Unfortunately for me, theyve decided to report each account to the credit reporting agencies  XXXX , utilizing different account numbers. For example, the  XXXX  account was reported by  Portfolio Recovery  to  XXXX  under account number "  XXXX  '' while  Portfolio Recovery  simultaneously reported it to  XXXX  and  XXXX   XXXX  with account numbers "  XXXX . '' The reports are identical, i.e., the amount shows as {$3100.00}, and the report indicates the delinquency date is from  XXXX   XXXX . The only difference is that  one  report was made utilizing "  XXXX  '' and the other reports with "  XXXX . '' This causes me a big problem because when creditors run combined reports, where data from  XXXX ,  XXXX  and  XXXX  are merged into a composite report, it causes the debt to report  XXXX , i.e. {$6300.00} shows instead of {$3100.00}. I have spoken to the various credit bureaus and each confirmed the reported account number showing on the report is exactly what P.R.A. reported to them.     I have made disputes multiple times, and each time P.R.A. apparently has verified its information as accurate and should remain reporting exactly as it is. As the differences are apparent even to a layman like myself, I can only assume Portfolio is intentionally reporting these accounts as multiples, and therefore inaccurately.     As of  XXXX   XXXX ,  XXXX ,  Portfolio  collections are still reporting single accounts with different account numbers from  one  bureau to another.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I opened an account with a bank in my home state so that my family and I could easily exchange funds while I am XXXX out-of-state. Since I receive my mail at my XXXX address for several months out of the year ( and since I was going back to XXXX shortly after the account opening ), I listed my out-of-state XXXX address on the account application. Despite this mailing address, I am STILL a resident of my home state, and I have an ID from my home state. This information was documented on my account application. 
I was hoping to receive a new account sign-up bonus from this bank, which stated that only residents of X states ( including my home state, but not including my XXXX state ) were eligible for the sign-up bonus. Since I am a resident of my home state, I am eligible for this bonus. I completed all other requirements of the new account bonus promotion, but the bank refused to give me the sign-up bonus, saying that I am ineligible because I used my XXXX mailing address on the account. I want this bank to be penalized for their deceptive marketing and unfair customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The amount demanded far exceed what I can pay without being completely impoverish. The company refuses to be complient with my needs, therefore no payment plan is reached and no payments are made, driving up the debt exhorbitantly.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because EXPERIAN has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible, thank you.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has reported on my credit acceptance corp. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but XXXX has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and credit acceptance with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

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 12-01-2016 about Bank account or service (Checking account) with BOK FINANCIAL CORP (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 my employer notified me that a reimbursement of {$310.00} would be deposited into my checking account ending in XXXX. I contacted them to tell them to cancel the transaction because I no longer had the account. They did n't receive the message in time and deposited the funds into a closed account. The bank accepted the funds and never notified me that the funds were accepted nor did they return any additional funds to me or my employer. They stated that I had a balance of {$200.00} in overdraft and extended fees but could n't give me a brake down of how they arrived to that amount. They claimed that they mailed out a check of {$110.00} that I never received. The representative said that I had an initial overdraft fee of {$35.00} and additional days of extended fees of {$6.00} for weeks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation