milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Credit card () with PENTAGON FEDERAL CREDIT UNION (TN).
Issue: Rewards

Complaint: Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Weltman , Weinberg & Reis Co., L.P.A. has been contacting me about collecting on a student loan they are servicing for XXXX XXXX. After a few phone conversations, I asked them to provide documentation that verifies that they are the proper collections agency to collect on behalf of XXXX XXXX. This was back in XXXX, 2016. It has been 6 months and I still have not received any sort of verification documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Remove this security freeze.

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 12/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (MO).
Issue: Struggling to pay your loan

Complaint: I received a loan from XXXX ( owned by BlueChip Financial ) in XXXX 2017 of {$300.00}. I did n't realize at the time that I was signing up for a loan with such an absurd APR and payment terms of 10 months. I have paid a total of {$730.00} against my borrowed {$300.00}. Of that total amount paid, only {$49.00} was applied to the principal balance, while the remaining {$680.00} went towards the interest fees. I have also recently learned that XXXX is a tribal lender, which is illegal in the state in which I reside, Missouri. Neither BlueChip nor XXXX are licensed lenders in my state, so the contract I signed is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have received a recorded message call saying " This is a confidential call for XXXX XXXX if you are not XXXX XXXX hang up ''. Well I am XXXX XXXX so I stay on the line and it tells me I owe {$650.00} with several different payment plans and a zip code. 
The only problem is I owe no one. My credit score is over 800 and I don't live in that zip code. I think this is a scam but am not sure so I am reporting it to as many departments as I can, like the no call list. I know that collectors can call debtors but since I am not he debtor that puts them in violation. This is not the first so called company to call me. I have been called a liar and several other names trying to get my phone off different list which is why I am not calling them. I have them asking me my SS number which only makes it sound more like a scam would you give your SS number out to some stranger that calls you on the phone?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company reported debt owed and references Attorney on credit report. Did not notify me. I do not owe XXXX XXXX and closed any money on this account. There was no debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (TN).
Issue: Deposits and withdrawals

Complaint: I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX. 
Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft. 
I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.

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 04/15/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OH).
Issue: Taking out the loan or lease

Complaint: WELLS FARGO DEALER SERVICES, Are Report that i was late on a payment, I have never been late with a payment, the report me late one-time on my credit report. Never Never Late!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (LA).
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: Asked Afni to validate the debt, not verify the account listed on my credit 3 credit reports. All I received back was a statement that account was verified accurate. I received nothing visual such as ; a date listed as to when account was opened, what address the services were rendered nor a signature to validate their justifiable cause to report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016, I checked my XXXX XXXX account and noticed that Equifax re inserted and address that does not belong to me. It was my father 's address when he was alive. I then went to Equifax 's web site, pulled up my report to verify the reinsertion and it was correct that they had illegally reinserted that address that didnt belong to me. I was never notified by Equifax that they were going to be reinserting an address that doesnt belong to me. They broke the law by not notifying me within 5 days. Also I had sent them proof of address several weeks ago when I disputed other fraudulent addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have  NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company (  XXXX   XXXX  ) I have never heard of or lived at. I tried disputing the account with all  XXXX  credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.

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 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner 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 04/21/2017 about Credit reporting () with Alliance Data Card Services (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In the summer of   XXXX  , I was  XXXX   XXXX   XXXX , not financially literate, and applied for a Victoria 's Secret credit card when it was strongly recommended and offered with incentive upon checkout at the store, by the store employee. With multiple visits to the store, and multiple employees vying to receive credit for sales and signups, I ended up with   XXXX    Victoria Secret c redit cards. I regularly used and still have to this d ay, one of  the cards. The other card I was ignorant of until I moved apartments and discovered the second card. That is when I looked online at the amount owed on the card and saw the initial transaction from when I had applied for the card. I felt embarrassed about the error and the fact that I did not know about the second card for all those months. I paid it off immediately and closed the account. I was not advised by any  Victoria Secret e mployee or representative at any point ( including account closure ) that my late payment could be understood or acknowledged that it  may n ot have been 100 % the fault of a young  XXXX   XXXX   XXXX  who never got any paper statements regarding late payments or anything to indicate that it was possible that a company would issue  XXXX  of the same credit card to her, and that was indeed what had happened. Being made aware of the Consumer Financial Protection Bureau by my  XXXX  professor,  XXXX   XXXX   XXXX , and having seen partial success in a separate, albeit ongoing case, I would like to bring this issue to light as apparently it is still affecting my  credit score . Although it is stated that Late Payments can affect credit scores for up to 36 months, and this issue was reported in   XXXX   XXXX    , somehow it is showing up on my payment history. I believe this violates the terms, not only on the basis of validity, but on the account terms of amount of time passed, as well. Please look into this and help confirm my suspicion that this behavior is wrong and my credit payment history should be updated by the creditor to reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction problem

Complaint: Today ( XX/XX/2018 ) I attempted to send money to a person several times. 
By cash at the location and then online. 
Moneygram rejected me both times. 
1. They said there was an error processing. I contacted Moneygram and they said that they had no history of an attempt. 
2. Error processing. This time they said that they could not complete the transaction with my bank. However, they took {$790.00} out of my account and then told me that it would take up to 72 hours to drop the authorization. 

If this was isolated I would not be as angry. But this is an ongoing problem with them. They always seem to have errors whenever I want to send or receive. I have contacted them several times about these issues and all they tell me is that there are no blocks on me and that I should be able to send or receive. 

I feel they do not live up to their claims by a longshot.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Federal student loan debt) with Reliant Capital Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have not been contacted by this de bt collection agency, but apparently they were able to contact IRS/  XXXX    to collect my tax refund. It seems absolutely absurd that no notification or attempts to collect a debt ( that I did n't know about ) could be just taken from me. I tried to call the company, received several calls from different numbers, only one left a message. Every number called has numerous reports of fraud. I would have been making payments on these had I known about them as I am making payments on all of the student loans that I thought that I have )

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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: trans union report i have too many delinquinces i have none also i have account through XXXX i hane no time since delinquinces none at this time

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I initiated a transfer from some money I had in " My Vault '' in Coinbase into my  Coinbase wallet. There is a 48 hour waiting period for such a transfer but I had noticed the transaction remained pending 4 days later. Therefore I emailed them on the XX/XX/XXXX wondering why this resolution has not been fixed. 

I got a response from a bot from the inquiry that was not satisfactory. I then emailed them on the XX/XX/XXXX and again on the XX/XX/XXXX. To no avail, I have not received a response still. I canceled this transfer and initiated the same transfer on the XX/XX/XXXX. It is currently XX/XX/XXXX and again more than 48 hours have gone by.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: on XXXX/XXXX/XXXX bank of America took the amount of {$460.00} from my account in reference to a claim I made against XXXX XXXX, on XXXX of XXXX I called XXXX XXXX to provide me internet and television services, which they consented upon arrival the technician said because of my location they will not be able to mount the XXXX because there will be no reception that means they can not provide me any services, the technician offered to mount my flat screen tv on the wall for the sum of {$200.00}, i paid the technician with my debit card for mounting my tv on the wall. the very same day i cancelled XXXX for failing to provide services as required. on XXXX/XXXX/XXXX XXXX used my card information and charged my account with the sum of {$460.00} i called bank of America and made claim number XXXX against XXXX XXXX for a fraudulent transaction, on XXXX/XXXX/XXXX bank of America ordered that i cancelled my debit card so XXXX can not use it against me, which i did and a new debit card was re issued. on XXXX/XXXX/XXXX bank of America took my money and refusing to replace my {$460.00} back. i want my money.

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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX breach has cost me tons of money taking more than 30 days violation of my rights

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 10/24/2017 about Debt collection (Other debt) with Genesis Credit Management, LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a call today, XXXX XXXX, 2017 at approximately XXXX MST from a woman saying she was calling from " XXXX XXXX She claimed to be collecting on a debt from my old child care provider, XXXX XXXX located in XXXX, AZ. I was in complete shock because this was my first time hearing about this, I have never received any noticed that I owed my child care  anything. She gave me an amount to pay of {$600.00}. I told her that I was disputing this claim, and not to contact me until I send it in writing. She told me that she was going to continue to contact me even if I was disputing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Mortgage (Conventional home mortgage) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have an existing mortgage with Union Bank, when making payment in XXXX XXXX. XXXX in XXXX XXXX, Ca. in XXXX of 2017 I was approached by a bank employee XXXX XXXX ( XXXX ) who suggested that I refinance my loan and get better rate, he then proceeded to email and phone me and send me application which I eventually filled and returned with all relevant documents and tax returns. I did not pay the {$550.00} non-refundable application fee until they had all the relevant documents, at this point XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) were also emailing and collecting documentation and asking for {$550.00} application fee which I didnt want to pay until a prelimanry approval was provided. I had sent all the documents by X/X/2017 and XXXX XXXX ( who informed me he has 30+ years of brokerage experience and had looked at all the paper work regarding our financial status ) wanted to proceed with the lan application, I finally paid the {$550.00} fee on X/XX/2017 based on good-faith assumption that all was in order and that we were pre-approved, at least based on the knowledge, expertise and experience of all involved. On X/XX/2017 I was informed they docs have been submitted to underwriter, I received letters from XXXX XXXX that my refinance was denied ( although I have an existing loan with them which is in good standing and the refinance would have reduced my payments to them ) due to excessive obligations, I had a X/XX/2017 meeting with XXXX XXXX and XXXX which they asked for further financial documents to resubmit to the underwriter, and also informed me that we had $ XXXX monthly income but we needed to have $ XXXX to qualify information which was already available to him prior to collecting the {$550.00} fee ) and since then I have not heard back from XXXX XXXX despite multiple attempts with email. I met with XXXX XXXX and was told that he would be looking into the refinance and I asked to get my {$550.00} fee back given that they had all the relevant information and should not have collected the fee knowing exactly where we were with our finances.

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 03/15/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: Dear Sir, I had a credit card with Wells Fargo back ending in XXXX which I launched a complaint earlier as well whereas the card was stolen but there was a transaction which I disputed and Wells Fargo got the money back from the merchant but never posted it back to my account and which is effecting my credit in a bad way as the aforesaid card has been over limits for a long period now and which is highly unethical on the financial institution 's part to withhold my personal money to themselves to their personal gain. The amount was approximately {$4200.00} and merchant was XXXX. I shall appreciate intervention and the aforesaid amount to post back and the rest of the disputed amounts to post back on my account which have been collected by the bank on my behalf as this is my hard earned and valuable money and time which I take out to build credit.

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 monetary relief