milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cash advance

Complaint: i got a cash advance of {$250.00} been trying to pay it off and i was told i have to be able to pay the hole amount of the cash advanve, recently i make a payment of {$1000.00} to my credit card and when i check my statement the cash advanve was not covered.when i call they refused to cover that amount from the XXXX dollars and they are charging me double interest my regular purchases and my cash advanve even though that i want to pay those XXXX they just refused to covered that amount.i want those XXXX covered withthe XXXX dollrs to stop excess interest

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have been trying to get Chase Credit Card to fix the amount they just threw in cash advance, when I never had a cash advance sine XXXX of XXXX. They also juggle the amounts back and forth in that area and I believe it must be so they can charge higher interest. I have all my statements, and did an audit and not only are the amounts ridiculous, I notice they did this also in XXXX. The XXXX started out with an amount of XXXX, and is now XXXX? I have photographed a few statements that shows the amounts bouncing back and forth. One month XXXX the next XXXX, the next XXXX and so on. There has got to be a law against this. I am wondering how many customers they are doing this to.. Do I have to start a class action to get this remedied? I see where they have been sued for everything but this, and it seems it started just about the time they were caught on other descrepencies. Please advise. I also just received a notice that since my interest was low, they are raising it 5 %. Are these guys loan sharks in sheeps clothing?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, 2017 I checked to see if my information had been compromised through equifax 's security breach. It was indicated my information may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My home was foreclosed while I was in the loan modification process. I was denied one time and the second time, even though I furnish all the required documents, my home was foreclosed. The servicing company was XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The Trustee was LAW OFFICE OF XXXX XXXX, as Trustee, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: This is a continuance of complaint number XXXX. Huntington Bank has never responded to my account complaint of monies being removed from my account first via unwarranted late fees now by duplicating previous charges made on my account and removing money that way. On XXXX/XXXX/2016 I check my account it had at that point $ XXXX.+ in it. The next day todayXX/XX/2016 it now has {$1400.00}. I have n't made any purchased and items from another day the entire charges made on XXXX/XXXX/2016 are false. This is a continued effort from what can only be a criminal group which keeps removing monies from my account and for some reason i ca n't get the bank or CFPB to get Huntington to do a complete audit just like I could n't get XXXX XXXX XXXX to do likewise when clearly monies was being removed from my account. This clearly is some type of criminal organization as I have a tax refund of {$990.00} from the IRS but without any explanation they keep stating I used the Hope credit which I clearly have n't and audited me. I used the company XXXX which when audited they represent you but for some reason they did n't even though they pretended to do so and had everything they need to show audit is incorrect. Money is being stolen from me and even though I write, complain and refer the acts to organizations like CFPB, FTC, etc. nothing gets done until years later the news reports what I reported years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with Brightwater Capital, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bright Water Capital has placed the same XXXX XXXX credit card with several of their agencies. First it was with XXXX XXXX XXXX XXXX who disclosed my personal information to a third party person, a cease collection was sent to them. 

Next Bright Water sent the account to XXXX XXXX XXXX XXXX. I was able to negotiate a settlement amount with them and have been paying this account since XXXX XXXX, 2015. I have enclosed this agreement. 

On Wednesday, XXXX XXXX, 2015 a XXXX XXXX called me from XXXX XXXX XXXX, he said that they are with Bright Water Capital. He was trying to collect on the XXXX XXXX Account that was placed with his company on XXXX XXXX. I told him that I do n't know why it would be placed with XXXX XXXX XXXX, I have a settlement agreeement with XXXX XXXX XXXX. XXXX XXXX stated that XXXX XXXX XXXX lost the account for Bright Water Capital due to settlement deals like this and that I need to pay {$4000.00} to XXXX in order to close this account. 

I stated that No, I have a settlement agreement in writing with another Bright Water Capital client, why would I stop that and pay double my agreeded amount. I hung up and then a XXXX XXXX XXXX from XXXX called and said that he was XXXX XXXX 's Supervisor. I informed him of my settlement agreement and he told me the same story as XXXX XXXX. I told them I am calling XXXX XXXX XXXX and he said that was not a good idea. I hung up and they called me three times after that and left a message for me to call them back regarding the debt. 

It is clear that Bright Water Capital is trying to collect on the same debt more than once. I am concern that this is reporting incorrectly to the credit burea. 

I 'm not sure which company to believe. How do I know that my payments are going toward the XXXX XXXX Account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/13/2015 about Debt collection (Payday loan) with Global Credit & Collection Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX in my married name of XXXX XXXX. My discharged was date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from XXXX from Global Solutions. She asked for me my XXXX XXXX, that is how they have me filed. Their case number for me is XXXX. XXXX called my son and wanted me to call her back. I called her back on XXXX ext. XXXX. But she had called me from XXXX. XXXX advised me she is representing a payday loan company. I asked her the name of the company but she talked so fast I did not understand her. Any loan that I received was before I filed for bankruptcy. XXXX advised me that I had committed fraud and I did not. So I hung up the telephone. She proceeded to call back and I refused to answer and let the phone ring at least 10 times. I called the lawyer who had represented me in the bankruptcy and was advised that this was a scam and referred me to you. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Auto) with Optio Solutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: called by this debt collector told him not to call after XXXX and he became abusive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.

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 04/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to make negative impact and violate both FDRA law and FCRA law while not and refusing to remove debt having zero to do with me or agree to validate supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IN).
Issue: Making/receiving payments, sending money

Complaint: While PayPal states : " PayPal Purchase Protection covers all your eligible transactions. So if your order is a no-show or does n't match the description, we 'll help you get a full refund. '' My item was a no-show and also did n't match the description of when it would arrive, yet I have had no luck with PayPal Customer Support. 

I filed XXXX separate transactions with PayPal over a month ago. I have spoken on the phone with PayPal Customer Support XXXX separate times about the disputed transaction, and am not getting anywhere with it. The seller has also quit responding to all of my emails. I am about to close my PayPal account, but am first waiting for a proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About a week ago I received what I thought was a letter intended for me from Rash-Curtis & Associates. While my son and I share the same name, he is just XXXX and graduated from high school XX/XX/XXXX and therefore does not yet receive business mail. Upon realizing it was a collection letter related to medical treatment my son received when he was between 16-17 years old, I called to discuss the matter only to be told that the letter was not intended for me, but rather my now XXXX year old son, who they insisted, despite my refutations, is XXXX years. He is not. He was born XX/XX/XXXX. Nevertheless, it seems to me that his current age is irrelevant since he was a legal minor when the services were delivered and his mother and I signed all documents and it was my wife 's Insurance that paid the bulk of the bill. In fact, since he was a minor, he did not even have a choice in the matter. His mother and I made all decisions and told him what would occur - like most parents in similar situations. It simply can not be true that he is now personally responsible for the cost of the services. A representative from Rash-Curtis insisted that my son is personally responsible for the medical expenses and threatened to make a negative reporting to my sons not yet established credit file. Rash-Curtis & Associates is calling me on my private business line in my residence every 3-4 hours. When I spoke to them, I explained that the reason they have the number they are using to contact me is because I provided it to the hospital during the document signing process related to my sons medical treatment. They insisted that it is the number my son provided and that my signature on the documents is really my son 's signature which is ridiculous. They insist on speaking with my son and pursuing him for a debt incurred by his mother and I. We are not denying that we owe the debt and we intend to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am set up under a interest reduction plan and my payments are {$200.00} which is due on the XXXX of each month. I was informed by Navient that the only way I can be enrolled in this program if I set it up on auto payment with my checking account. Well I have faithfully made my payments on time for two years but I have found myself in a financial burden from time to time so XX/XX/XXXX, 2017 was late and it made my checking account overdrawn because the money was not in the account but the payment was paid on XXXX XXXX, 2017. The problem occurred when Navient took out another payment of {$200.00} on XXXX XXXX, 2017 even though the XX/XX/XXXX payment was paid on XX/XX/XXXX. I contacted Navient and everyone i spoke to told me they had no record of tht payment. So when I spoke to supervisor she informed me to send the bank statement showing tht they took the payment out on XX/XX/XXXX ans proof that my checking account was overndrawn and they will reimburse me for the {$37.00} overdraft fee. I sent in the bank statement and highlighted the payment that was taken out as well as the over draft fee. I followed up with Navient to ensure they received the documents and the agent informed me they did and filed for the reimburement then informed me i should receive the reimbursemetnt within 7-10 business days after the 10th business still not reimbursement. My other problem I have worked with Navient for years my account is up to date but I feel that I am being taking advantage of when I took these loans out I was young but I accepted my mistake but I do not feel this company Navient which was once known as XXXX XXXX should continue making my life miserable please help! I am desperate i work full-time and i try my best to pay all of my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I pulled my credit report and noticed tha t Stellar Recovery   Inc a re reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Experian to dispute an entry showing a balance due on my credit report with XXXX XXXX Bank. I have settled this account through a collection agency, and I provided Experian with a copy of my receipt. However, provided me with an updated copy of my credit report which still shows that this account has an outstanding balance due, when it should reflect that it was a settled account with nothing due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (NJ).
Issue: Shopping for a loan or lease

Complaint: Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On  X/XX/2017    I applied for  a Citi Double Cash cred it card and was approved. On  XX/XX/XXXX  I received a voicemail from someone claiming to be  the Citi fraud  department stating my card had been stolen and I needed to return their call ; however, when I Googled the number that called me it said it was a scam and not to call the number back. At this point I still had not received my card or been able to activate it. I finally received my card in the mail on  XX/XX/XXXX and attempted to activate it on  XX/XX/XXXX . When speaking with the  Citi represen tative she requested I give her my cell phone number so they could send me a text to confirm it was me ; however, she stated the text message would not go through and requested another number, I gave her my husbands cell phone number which also could not go through. At this point she requested I give her another credit card number (  16  digit card number ) and the balance of the card, I refused to provide this information because there are many other ways to confirm someone 's identity. The representative did not give me any other options and would not get a supervisor to assist me in opening my card. I have called at least 5 times in the pa st two days to t ry and speak to someone who will assist me in opening the card and immediately closing it. Every time I call they tell me that a supervisor will call me in  24 hours ; however, it has been over 24 hours since I called and I have not received anything. It is beyond frustrating to deal with Citi and all I want to do is close the card.

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