milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Hello my name is XXXX XXXX XXXX XXXX and i have a story about how Rushcard has affected. I have been with Rushcard since XX/XX/XXXX and for the most part i really like using the card for my checks to be direct deposited. Monday 's system glitch has really put me in a bind. First off i should have been paid Friday XX/XX/XXXX but my money still has not been available to me to this day XX/XX/XXXX. My car insurance was due this Saturday and since then it has been cancelled. I dont have any money for food or money to put gas in my car. My car payment is due in a couple days and i can not be late because i just got this car. If i do n't pay my car will be shut off and i will not be able to drive it until the note is paid. The glitch also somehow cancelled XXXX my debit cards and i have been charged XXXX dollars for replacement card to be shipped to me XXXX and i still have not received them. I have contacted customer Service several times and most of the time i was hung up on after waiting up to 3 hours on hold for a rep. When i was able to get threw some of the reps where very short and rude saying that they too have Rushcard and have not been paid either. Im a full grown man and this thing has brought me to tears. Something has to be done. I have reached out to Rushcard facebook and being told to send a inbox message which i have done and i have got no response from anybody. I have over XXXX dollars on my account and i cant even buy myself a bottle of water. Im hurt beyound hurt and im at my breaking point. I need my money XXXX XXXX and i need it now. Rushcard should be sued and shut done this ia totally unacceptable. Please help action news run my story maybe it will put some fire XXXX to make them give me my money. I will never use Rushcard again

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am an American who lives in California. While on vacation to visit my wife 's family in XXXX last summer, I mistakenly opened the Coinbase app on my phone ( I did not buy, trade, or buy any cryptocurrencies or do anything besides open the app ). This prompted Coinbase to send me an automated email on XX/XX/ telling me to send a photo of my driver 's license so that they could verify that I was a US resident. In XXXX I did so, along with a photo of my residential lease demonstrating my US residency. 

That was months ago. Since then, I have been told a handful of times by Coinbase customer service reps on the phone and online that my case has been " escalated. '' But no action has been taken and I'm still unable to access my funds, which I believe are now over {$2000.00}. It's been over five months now with no progress. I've also spent over 6 hours waiting on hold to try to talk to an employee, to largely to no avail. I would appreciate any help in this hugely frustrating situation. My case id is # XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Telephone numbers listed as XXXX and XXXX have never been associated with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My student loan entered into a retro-active general forebearance effective  XX/XX/XXXX  through  XX/XX/XXXX . My credit report is reflecting a 90 day late payment as of   XXXX   XXXX   because the forebearance was approved in  XXXX . I spoke with an agent @   XXXX   CST on  XX/XX/XXXX  and she was able to confirm the approved forebearance ; however, she stated they letter sent indicates any negative reporting will remain on an individuals credit file even though no payment was due during the timeframe in which they are stating the payment was late. The documentation I received does not reflect corrections would not be made. The agent I spoke with refused to provide me with any information to attempt to resolve and discuss this issue further. She could only provide a mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Non-federal student loan) with Firstsource Advantage, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I withdrew from school- XXXX XXXX on XXXX/XXXX/14 because of numerous issues. I asked for a final bill and was told it would take 30 days to review my account. I waited the 30 days and was presented with a final bill of which I paid in full. I received an acknowledgment letter dated XXXX XXXX 2014 ; indicating that after their review and all financial aid returned that I had a XXXX balance. I have that letter in my possession. On XXXX XXXX XXXX- contacted me and said that they applied grants to my current schooling after I had already withdrew .... some 8 days later on XXXX/XXXX/14 they applied grants to my tuition despite me being withdrawn from the school. None the less per their letter to me they had reviewed my account per their policy and presented me with a final bill. 
I have spent the last two years telling them I do not owe the money that this was their mistake and that I followed all their procedures and did everything they asked me to do. Why if they reviewed my account and found that I owed no monies did they come back say I now owe them money. They have sent me to two collections agencies who after reviewing my documents concluded they can not collect the monies. Yet AIU-online then sends me to another collection agency and I find myself repeating the process to stop the collection process for monies I do not owe. This has become harassment and the XXXX refuses to acknowledge that this is their mistake and one I will not pay for. Also they keep changing the reasons why they claim I owe this money. Please help me with this ... .. this has gone to far and I am at a loss on what to do.

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 08-11-2017 about Vehicle loan or lease (Lease) with LENDMARK FINANCIAL SERVICES (AL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: 2 weeks after i purchased the vehicle in XXXX 2014 the motor blew up. I then had to take out another loan to replace it even tho i purchased a warranty which was denied when i was trying to have the vehicle fixed.Neither the dealership ( XXXX XXXX XXXX in XXXX al ) or the finance company ( lendmark financial ) resolved the issue. I was told it was my responsibility. I have nothing but issues with this vehicle. I have been behind because of the issues with the vehicle. The solution was for the finance company to rewrite the loan so i could pay for it or not fall behind. I stiil owe thousands more than this vehicle is worth so i cant trade it it. Pretty much they point their finger at the other company and tell me its my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with United Collection Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX, XXXX United Collections Bureau , Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, sent me a letter trying to collect the unknown balance link to my XXXX XXXX credit card which is active open. 
When I called XXXX on the XXXX XXXX card XXXX around XXXX PM my cell transferred me to the United Collections Bureau above and confirmed the balance of XXXX with asking minimum due XXXX. 
I ask the one with the collections info about the transactions details he list them quick, but when I confirm that whenever I use this card I tried to pay within 30 days to escape the interest, and always paid off, I have proofs. He said my account is closed last year XXXX XXXX, while I see that my account id still open active, only not with the chip as It should be. So I said the recorded conversations via my cell phone is always under recorded by the government becasue I am still waiting for the investigation with help of the XXXX for the Fraud ID theft trying to make paper from the XXXX XXXX XXXX to ask me for XXXX XXXX, I did report all to the so they can help track down the guy, from XXXX XXXX. Then the collection guy said that my account is closed since XXXX XXXX? 
My ftc case reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX reported my account to XXXX. I received the letter and disputed the balance XX/XX/XXXX. I was told by collection agency that they would forward information to XXXX and i should receive itemized bill of charges. Now, I just learned my account has been turned over to another collection agency called Diversified Consultants which was exactly a month later. I never received correspondence of the change in collection agencies. I was still under the assumption that my account was still with XXXX and i was waiting on follow up correspondence from them and XXXX. This new collection agency never sent me a letter that the account was turned over to them, never received any notification. Therefore, they violated my right to dispute the balance. Now, the balance they have is {$2400.00} and the balance with previous agency was {$940.00} which is a big difference.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: My wife cashed her check & turned it into a cashiers check so we could deposit it into our account at USAA with little or no hold. However, since usaa has no branches & you can only use remote deposit, this deposit was not covered under reg c, so usaa placed a 5 day hold on the account. I have had an open checking & savings with usaa for over a year as well as my auto & renters insurance. I was simply told they could not do anything & the hold was go i ng to stay because remote deposit is not covered under reg c. If an institution does not provide you with the ability to deposit cash they should not be able to put indiscriminate holds on cashiers checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (TX).
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 made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This specific XXXX/XXXX ( Account # XXXX ) credit limit of {$500.00} was once deleted on all three credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete This specific XXXX/XXXX ( Account # XXXX ) from all three bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having This specific XXXX/XXXX ( Account # XXXX ) removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX sales agent contacted me in XX/XX/XXXX to inquire as to whether or not I was interested in switching from my phone provider to XXXX. The agent explained that the promotion entailed XXXX free minutes a month to any country of my choice. I inquired if the promotion included the XXXX XXXX. The agent replied in the affirmative. I expressed my surprise at this and ask for confirmation that the XXXX XXXX was included in the promotion. The XXXX agent again replied " yes - the XXXX XXXX is included ''. I selected the XXXX XXXX as my country for the free minutes and indicated to the XXXX agent that this was my sole and only reason for accepting the promotion and offer to switch to XXXX. She congratulated me on my selection. 
In fact, the promotion did not include the XXXX XXXX and the bill for the XXXX month was {$800.00}. I called XXXX and the agent explained that the promotion in fact was never intended to cover the XXXX XXXX. I explained that I relied on the XXXX agent who misinformed me and cancelled my XXXX phone service. XXXX apologized for its error and indicated that I would not have to pay the bill. I received a credit for {$800.00} on my final bill. When I contacted XXXX on XX/XX/XXXX, a representative confirmed that I owed {$0.00}. 
However, I recently discovered that XXXX has turned the bill over for collection, ( the name of the company is Debt Recovery Solutions ) which has negatively impacted my credit score and has prevented me from refinancing my mortgage. 
I have contacted the debt collection agency, which indicated to me that it has no information to support my assertion that the money is not owed, and that therefore, they will continue to try to collect the {$800.00}. 
I again contacted XXXX, which informed me that since they sold the debt, that there is nothing that they can do to assist me to resolve the matter. 
Thanks you for your assistance and keep up the good work that you do on behalf of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Payday loan debt) with Oracle Financial Group LLC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Oracle Financial Group   XXXX   XXXX   XXXX    XXXX  NY   XXXX   Toll Free :   XXXX   www.oraclegroupllc.com   XXXX   XXXX  , 2017   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , CA   XXXX   Original Creditor :   XXXX   XXXX   XXXX   Balance : {$4000.00} Reference :  XXXX  Account ID :   XXXX    Dear   XXXX   XXXX  , Thank you for your request. Please be advised that we have been hired to collect the above referenced account. Your account is severely past due and must be paid. If the balance is left unpaid your account may be referred to an attorney for suit. The outstanding balance on the above referenced account is {$4000.00} AND WE CAN ACCEPT {$2300.00} TO SETTLE THIS ACCOUNT IN FULL. You can resolve this matter by calling us and paying by phone or sending your check or money order along with the bottom portion of this letter. In the event that your payment declines or is returned for any reason a fee will be charged. Upon receipt and clearance of the payment in full, there will be no further outstanding obligation pertaining to this account. We take pride in assisting our customers to resolve their situations. If you have any questions or wish to discuss your account with one of our representatives, please call our toll free number at   XXXX   during normal business hours. Monday - Thursday   XXXX   XXXX   -   XXXX   XXXX   EST ; Friday   XXXX   XXXX   -   XXXX   XXXX   EST ; and Saturday   XXXX   XXXX   -   XXXX   XXXX   EST. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Respectfully,   XXXX   XXXX   Collection Manager

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (FL).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: XX/XX/XXXX, my wife was diagnosed with a XXXX XXXX XXXX XXXX XXXX in her XXXX. The XXXX went to her XXXX and XXXX and XXXX in a short time. While my wife was in XXXX XXXX XXXX PenFed Credit Union would call me while I was with my wife in the XXXX XXXX. I had explained to then the cituation that I could not afford to pay the Credit Card because my wife was no longer working. A person from Penfed who was a man called twice and was very, very rude. He was arguing with me and demanding the money. I told him my wife was fighting for her life and we could not afford to pay. After talking to two ladies at Penfed, they said he was not supposed to do that. I kept getting calls from Penfed while she was fighting XXXX. I was harassed while I was helping my wife fight for her life which ended on XX/XX/XXXX when she passed away in XXXX. Another company called. Another company recently did the same thing when I was harassed by then and the man threatened to sue me. He was very mean to me. The company is called XXXX 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 05/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ACSXXXX is a student loan that has been paid in full and should not be a delinquent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Home equity loan or line of credit) with BANK OF THE WEST (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX/XXXX/XXXX Senior Vice President XXXX Bank of the West Hello XXXX XXXX, On XXXX/XXXX/XXXX I made a early extra {$300.00} payment using funds in account from Income Tax return deposited into account on XXXX/XXXX/XXXX. Enclosure ( Auto Pay debit 0f $ XXXX XXXX ) As we know The Section titled " Prepayment '' in the Promissory Note states " Early payments will not relieve me of my obligation to continue to make payments under the payment schedule. '' It was explained to me this is why AutoPay debited {$570.00} on XXXX/XXXX/XXXX to Satisfy the Regular scheduled payment due under the payment schedule. 
On XXXX/XXXX/XXXX I made a early extra {$450.00} payment using Income Tax return funds that deposited into account on that day. 
As we know by " Promissory Note rule '' the regular scheduled payment of {$570.00} is still due on XXXX/XXXX/XXXX. 
That would make regular payment of {$570.00} due on regular payment date according to you " XXXX/XXXX/XXXX ''. As we know AutoPay should debit {$570.00} on regular payment date " XXXX/XXXX/XXXX ''. We know by the Note Rule an early payment can satisfy a late payment fee of a future payment date but does not ever satisfy a Regular payment due under the payment schedule. 
Account balance on XXXX/XXXX/XXXX was {$2500.00}. Plenty of funds to satisfy Regular scheduled payment of of {$570.00} on XXXX/XXXX/XXXX. Enclosure ( XXXX XXXX Checking AccountStatement ) One thing we do know is the Regular scheduled payment can not be satisfied because of an earlier payment. 
Why did AutoPay fail to debit regular scheduled payment of {$570.00} on the Regular scheduled payment date of XXXX/XXXX/XXXX? Enclosure ( Mortgage Transaction History ) Thank you in advance for acknowledging and answering this request. 
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 02-12-2016 about Debt collection (Medical) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a fraud alert on my credit report and this debt is erroneous and not valid and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was paid off on XXXX XXXX, 2016 with Ditech. On XXXX XXXX, 2016 our payment amount was automatically withheld, and we received a notification that the refund would be processed within 20 days. The refund still has not been processed and each representative that I have spoken with since XXXX XXXX has provided a different story. XXXX representatives, XXXX stories. Today I was told that the money is escrow. A second re on the same day said the check was released on XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation