milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a student loan co-signer. I have made on-time payments to XXXX ( XXXX XXXX XXXX ) for my son 's defaulted XXXX XXXX/Navient private student loan since 2011 when I became aware of the default status. 
I requested that my credit report reflect that my debt is in collections and being paid monthly. XXXX XXXX refused to update my credit report and reports it as a Charge off with {$0.00} payment every month. This negatively impacts my ability to obtain basic credit worthiness for example for renting an apartment. How can I get XXXX XXXX or the collection agency to report accurate information on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (IL).
Issue: Adding money

Complaint: I have a rushcard and they sent out an email last week saying they was going to be doing updates on XXXX/XXXX/2015. That was fine and went I went to check my account the little I did have in there was gone. They made an statement that whoever was getting paid 2 days early or the day before will not get it until their payday. Today XXXX/XXXX/2015 is my payday and I have n't not got anything. I check my card on XXXX/XXXX/2015 it was money on my card and then when I went back to check it again it was gone. I have bills that are due and kids that need stuff. Rushcard mess up everything. Once I get my money from them I 'm done. I have to pay a late fee on my bills and figure how to get the stuff my kids need. This is not fair. I been calling all day and I get the same story, that they trying to fix the problem and they will send out a text when it 's up and working. My plans had to get cancel cause of this. I have to figure out how I 'm going to get to work on Sunday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with RIA FINANCIAL (NY).
Issue: Money was not available when promised

Complaint: On XX/XX/18 i used XXXX XXXX XXXX to send an emergency money transfer from NY to GA to a family member when the recipient went to get the transfer @ the Ria Authorized Agent no body spoke english @ said location & recipient was unable to collect the transfer @ which time i called Ria to cancel said transaction and have gotten the run around ever since then making numerous calls to Ria to resolve and no resolution to this point. The amount sent was {$490.00} plus a transfer fee of {$9.00} making it {$500.00} total

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: PNC Bank processes Debits before Credits to obtain Overdraft Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After I have told them to stop contacting me, they continue to do so multiple times throughout the day. The call my fathers cell phone as well and were never authorized to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Payday loan () with Tribal Lending Enterprise, Inc. (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: After receiving XXXX pay day loans with incredibly high interest rates in the XXXX 's, it has been brought to my attention that these loans are prohibited in my state of NJ, where there is an annual cap on interest of 30 %. after paying off my first loan I was promised a lower interest rate for being a returning customer but it has actually raised by about 53 %. I have reached out to Silver Cloud with a cease and desist letter revoking their right to charge my bank account or contact my employer, as well as closing my bank account outright for extra protection. I have reached out to the company multiple times via phone and email with no reply regarding the topic of closing my account. My loan information is as follows : Silver Cloud : Amount Borrowed = {$1100.00} Interest = 871.844 % ( *as a returning customer I was promised lowered interest rates ) Paid ( as of XX/XX/2017 ) = {$750.00} Amount of principle paid = {$110.00} Principle Remaining = {$990.00} Amount Borrowed = {$800.00} Interest = 818.124 % Paid ( in full on XX/XX/2017 ) = {$2100.00} Amount paid on interest = {$1300.00} Shortly after my C & D letter, I started receiving emails from " collection agencies ' threatening to take me to court for loans with companies I 've never had as well as phone calls and texts for " get out of payday loan debt '' companies. 

Please assist as I 'm currently paying $ 1200+ a month in fees for these outrages loans!

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 11/23/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute and investigation is for Experian Credit Bureau. I had XXXX accounts with XXXX XXXX Bank as a XXXX. These cards were opened at separate times, XXXX in the XX/XX/XXXX XXXX and the other in XX/XX/XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Experian has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Experian that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Experian also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Experian reported the same XXXX accounts as being current late payments that went from XXXX days, to XXXX days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Experian not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they XXXX be removed once and for all! I am also disputing the fact that they have Enhanced Recovery reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Experian keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

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 07/14/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Opened   XX/XX/XXXX    ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  XXXX   XXXX   XXXX   XXXX   XXXX  has submitted false information on my credit report. The collection agencies has bought an account that was already selected and  discharged  in  XXXX . In addition the agency has supplied  Transuion  a false date of   XX/XX/XXXX   which is illegal by law. This debt date is not correct and I 'm not responsible for the debt!

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 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I challenged this account because the date opened can not be correct. 
The response I received is : '' XXXX ErrorDispute ResultsIt looks like your dispute request has encountered XXXX or more errors. You can find the error codes below, along with a brief description. " There was no description or code as stated and so I called Transunion XXXX and an XXXX speaking lady told me that she would have to reissue the dispute and they would contact me back in 30 days. She said the error code was because of erroneous information I provided. I questioned what she meant by this. What was erroneous? She became infuriated. 
She stated again that I provided erroneous information. Her infuriation heightened I ended the call. 
XXXX has removed the deragatory information ( see copy ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (DE).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX of PNC bank refused to provide me and my wife copies of both our credit reports once we applied for a refinance mortgage and we met the minimum requirements outlined by PNC bank. She refused to grant me access to her boss so i could complain. apparently all bosses are on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 my company requested a verification of mortgage through the email service at Loan Care, XXXX XXXX. After being told that this request would take 7-10 business days and calling daily and speaking with numerous customer service representatives I have received the information on XXXX/XXXX/2016. This delay has cost our client to lose money on the refinance that she is currently in the process of completing. I have spoken with agent 's numbers XXXX, and many more who mumbled their ID number. I have been transferred around and told that even though this was to be put on " high priority '' per the customer service personnel, that I was unable to speak with any managers. They were always too busy to speak with me and I was unable to hold to speak with them. Only after spending my full morning requesting the item necessary I have finally received this item. I offered for our client to call in to assist in expediting, they stated that this will likely not help our situation.

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 04-02-2015 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Revenue Group keeps calling me on a bill that I am making payment to. 
*Revenue Group stated that I am not in hardship and the payment I am making is not enough. They also stated that I need to make half the payment that day XXXX/XXXX/XX/XX/2015 That amount was {$600.00}. I explain that I am making payment and do n't understand why the calls. 
*Revenue Group stated that I have the money and should pull from my other means. 
*They also stated because I have a house, husband, cars and a job that I should make bigger payments and not act like I 'm in hardship. I am NOT sorry for doing the right things in life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo close my Account due to me filing a consumer complaint. They close my account without sending me a Cashier check to close my account with a XXXX balance.

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2016 my credit card was charged {$1600.00} on my XXXX account for a delivery made from XXXX. My credit union cancelled the card and subsequently closed its investigation of the case in XXXX 2016 affirming to me in writing that a merchant error was made. In XXXX 2016 I received a collection invoice from the XXXX XXXX XXXX for the disputed debt. I followed the dispute process ( responding in writing upon receipt of the notification ) and received a letter ceasing collection efforts dated XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a collection notice from Transworld Systems Inc. for {$1600.00} plus collection fees {$220.00} for a new total of {$1800.00}. I called XXXX to inform them of the notification and they told me to call Transworld Systems Inc. and to reference their invoice number in order to access an email that XXXX would place in the XXXX accounting system regarding my account -- -apparently to bill the correct account. I called Transworld Systems Inc. and spoke to XXXX XXXX and she accessed my account and stated that I had been billed in error. She had information on who sent the order and who received and signed for the delivery ( a company from XXXX to a company in XXXX, KS ). I called XXXX back to report my communication with Transworld Systems Inc only to be shuffled from one section to another ( recovery to billing to fraud ). I called Transworld Systems Inc. this morning at XXXX MST and spoke to XXXX XXXX ( XXXX ) and she stated that Transworld Systems Inc. has closed out the collection process on me and my account citing that XXXX billed the wrong account. XXXX XXXX stated that I should not be receiving any further collection notifications regarding this false debt claim. 

XXXX billed my account/credit card for this shipment. XXXX continues to send this disputed debt to collection agencies without due diligence to accounting protocols. I have called XXXX XXXX, XXXX ext. XXXX, and emailed ( at XXXXXXXXXXXX ) this XXXX agent handling my case and have not heard back from her. XXXX has not corrected its files and continues to pursue me for a debt that I did not incur. They are not responsive and their actions constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone Number- XXXX Work- XXXX Dear Sir or Madam, I am writing to dispute the following in my file. I have circled the items I dispute on the attached copy of the report I received. 
This complaint is Pentagon Federal Credit Card late payment reporting of {$15.00} dollars not paid for XXXX. This credit card was paid in full in XXXX and then Pentagon automated system pulled the full payment again and I had a large credit amount of {$2100.00}. I then requested the credit card to reimburse me for the overpayment but to make sure all money due was paid so that next month my balance would be 0. I did not want to leave the auto pay on because they double pull the amounts sometimes like they did in XXXX. Please see XXXX statement for verification. 
I have enclosed the last four statements so you can see that the {$180.00} charge was paid in full back in XXXX. They also never updated my correct address and all statements went to wrong address. As my card expired in XXXX they sent a new card I never received to old address. This is after verbal conformation that XXXX their customer care representative changed the address to the correct one back in XXXX. 
I have also enclosed a letter with a recent date from XXXX XXXX stating the account is up to date. XXXX XXXX has denied my dispute with all three credit bureaus and will not change my account from late. Please investigate this as soon as possible as I am closing on a mortgage and this is gravely affecting us financially and my familys personal wellbeing. My score went from XXXX to XXXX in one day. This does not seem fair to someone who has never missed a credit card payment in his life, 47 years. Especially since I over paid the amount and XXXX XXXX credited the wrong amount back. With no statements to alert me or phone calls or emails and I am thinking this card has no balances. 
If something is not clear or you need more information please contact me. I am also inclined if this is not resolved in a timely manner in reporting this to my states attorney general office. 

I have enclosed the following : Recent Credit Report with circled item Pentagon Federal XXXX, XXXX, XXXX and XXXX Statements Letter from Pentagon Federal My Credit Score in XXXX. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received correspondence from a collection ageny accusing me of owing a payday loan debt from XXXX from a company I 've never heard of .When I inquired about being provided in writing proof that I owe this debt, the collection agent refused to provide me details in writing stating that it will be presented in court.I asked for the proof because without informing the agent I wanted to see if there was a signature of any sort on any documents and compare to my own.Around XXXX my mother was a victim of identity theft and I want to make sure I was n't affected as well.The agent mentioned a bank that I supposedly wrote the check from and I have never opened or maintained an account at the bank he mentioned.The interesting thing is I have never heard of this company before ( Advance America ) and I have never taken out a payday loan with them.I asked about three times if the information could be provided showing proof that I supposedly owe this money and the agent refused to provide proof of documentation which I thought was required by law anytime you are being accused of a debt. The correspondence also reports that I need to pay to have it removed from my credit report but what is interesting is that it is not on any of my credit reports which made me even more suspicious of this situation.These people are threatening to sue me and place a judgement on my account and wage garnishment as scare tactics which has to be illegal as I truly believe these to be false claims.If I supposedly owed this from XXXX then why in XXXX would they suddenly attempt to collect a so called debt that they claim I owe? I 'm certain that if such a debt was owed, they are beyond the statute of limitations.The company 's information is as follows : XXXX ADVANCE AMERICA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have 2 problems that started with online fraud of my debit card with Chase. 
This first started when Chase bank contacted me on XX/XX/XXXX to notify me of suspected unauthorized activity. I confirmed 6 transactions. Of the 6 transactions, they credited me for they have reversed the credit and debited my account for {$60.00} on XX/XX/XXXX to pay XXXX XXXX XXXX XXXX for a pre-paid cell phone account in XXXX. I this is fraud and they identified as such and contacted me, now they have reversed it. I know no one in XXXX. When I contacted XXXX XXXX XXXX they told me I was probably the victim of a data breech and that have not received a payment from Chase, they only had a chargeback on XX/XX/XXXX. They had no grounds to reverse the credit. 
My bank account was debited on XX/XX/XXXX. I have attached the statement. 

The second problem was caused by an error Chase made.When Chase contacted me to report possible fraud they listed 6 transactions, the XXXX XXXX XXXX was on of the 6. The next day I went to the bank to find out more and as I went over the transactions with the banker XXXX, we discovered that my car insurance payment had been included in the f dispute, she called the fraud department and adviced them that this was a good transaction and to pay it. I discovered days later that they had included the XXXX XXXX payment in the dispute and had reversed my authorized payment. I contacted the fraud department and told them to pay this immediately because my insurance could be canceled. I saw the debit in my account for {$240.00} on XX/XX/XXXX and assumed it, had been paid, it had not. XXXX had never received payment and my car insurance was canceled without my knowing until XX/XX/XXXX when I called to add another car to the policy. The chargeback from Chase was never corrected. XXXX XXXX, the banker at Chase on XXXX XXXX spoke to the accounting department at XXXX XXXX onXXXX and confirmed that no payment has been received. I forwarded the accounting statement I received from XXXX, showing the charge back to XXXX. I have also attached it. XXXX filed another dispute for me on XX/XX/XXXX and today I received notice that the temporary credit had been reversed and that the money was paid to XXXX and the dispute was denied. Where is my money? 
This like the XXXX XXXX XXXX payment is not in with the company, but both have been taken out of my account. 

I am requesting full credit for both transactions. 

I have attached the statements of all transactions, and I have requested confirmation from Chase of the money transfers to XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with monetary relief