milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (UT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received an email from a company called Ace Cash Group threatening legal action against me and requesting I pay them {$620.00}. The body of the email is below. I do not have any dealings with a company by this name and based on a web search I believe this is a fraudulent attempt to collect money. basically, it is a scam. 

CASE FILE # : XXXX Attorney : XXXX XXXX Number : ( XXXX ) XXXX DUE AMOUNT- {$620.00} Dear XXXX XXXX, This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed we would like to notify you about this matter. 

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your case with the Bureau of Defaulters. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. 
Now, FTC is pressing charges against you regarding XXXX serious allegations : 1. Violation of federal banking regulation act XXXX ( C ) 2. Collateral check fraud 3. Theft by deception ( ACT XXXX A ) If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to {$13000.00}, excluding amount you borrow, attorney 's fee & the interest charges. You have the right to hire an attorney. If you do n't have or ca n't afford one then the court will appoint one for you. 

Attorney : XXXX XXXX ( XXXX ) XXXX Ace Cash Group Copyright ( C ) XXXX FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I talked to Navient in XXXX and told them that I would like to pay off the student loan in XXXX. My account manager said that I would have to keep the account in good standing for 3 months in order to get a discount. I said that they should stop taking money from automatic withdrawal because I would call and make a payment monthly. they told me that would be fine. I made the payments on the phone and paid by credit and debit card. Then in XXXX I called to see what the pay off amount would be and they took 10 % off. Then in XXXX I got a bill for {$190.00}. I called them again. They told me that whoever told me the pay off amount should n't have told me that amount because the most they could take off was {$200.00}. I told them that was n't my problem because the account manager put me on half to talk to a supervisor to get this approved. The person I was talking would n't budge. He kept putting me on hold to talk to his supervisor. I told him they could call me back when they have everything worked out because they were done wasting my time. Then I found out that While I was making phone payments they were also taking money out of the bank account that was set up for automatic withdrawal. So they own me money. Also they overdrew the account by taking out the payment that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Making/receiving payments, sending money

Complaint: I initiated a credit chargeback with PayPal for services unrendered on or about XXXX XXXX, 2017. XXXX XXXX promptly refunded my money, but earlier this week PayPal incorrectly recharged my card. That money should be refunded immediately. Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt is already paid with the original creditor and they agreed to remove the negative information and collection from my account with 24 - 48hrs. 
The collection agency just updated and reported the collection account to another credit bureau and I would like them to stop since the amount was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Trouble during payment process

Complaint: In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response. 

I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: I purchased XXXX appliances from the Home Depot in XXXX 2015. I used my Home Depot credit card to make the purchase. I 've had numerous problems with the refrigerator that was part of the purchase. Due to the manufacturers inability to fix or replace the refrigerator I was left with no recourse but to dispute the charge to my credit card. I disputed the charge in early XXXX and was told by Home Depot Credit Services that the issue with the refrigerator would be resolved in six weeks or the original purchase amount of the refrigerator would be credited to my account. The six week time period has passed. My refrigerator has not been repaired and I have not received the credit to my account as I was advised by representatives at Home Depot Credit Services. I am now being told that an additional extension has been given to allow for the repair of the refrigerator. I find this unacceptable as this has been an ongoing issue since last XXXX when I first reported the malfunctioning refrigerator.

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
Consumer complaint received 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no knowledge of this claim. I believe this is an inaccurate filing against me.

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 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My address history is incorrect. My home address is listed as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. and XXXX XXXX XXXX is the same exact house. About 20 years ago when XXXX was set up in my county, XXXX County XXXX, the US Postal Service changed the house numbers, changing XXXX to XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX XXXX XXXX. My mother-in-law, XXXX XXXX ( deceased ), lived at XXXX XXXX XXXX, XXXX XXXX XXXX for about 20 years until sometime XX/XX/XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am unaware when this debt occured. I contacted the company several time and even settled the debt with the XXXX party vendor whow stated it would clear from my account in 30-90days. It has been over a year. After numerous attempts of contacting the company, all I can think is that this is a scam or fraud. I have paid and have requested for it to be removed several times. I would like disclosure of verification of debt still owed.

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 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Payday loan () with CURO Intermediate Holdings (OR).
Issue: Charged bank acct wrong day or amt

Complaint: Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money .. 
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Credit card () with TD BANK US HOLDING COMPANY (AL).
Issue: Customer service / Customer relations

Complaint: I have had a credit card with Target since XXXX I have been late XXXX time since XXXX which was XXXX XXXX. I called on XXXX to say I would be late and that I would make my payment on XXXX because my credit is very valuable to me. 

I called to make my payment on XXXX ( The payment was due XXXX ) and to ask that the late fee be removed as a courtesy since I 've had an account since XXXX and had never been late. 
I found out that yes, they would remove the late fee but I have been over my credit limit by over {$1000.00} since XXXX XXXX and they have been reporting that to the credit bureau. I asked how I could I be over my limit and still be able to use the card? I was informed that the company allows good customers to go over the limit!! I told them I had NEVER heard of such a practice and I am furious that I was allowed to go over and was being reported. I was under the impression that I received a credit line increase in order for me to use my card. Had I known that I was over my limit and being reported I would not have gone over my limit. Again, I 've been a member in excellent standing since XXXX and did not think anything like this was possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX. 

I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.

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 01/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent letters to XXXX XXXX XXXX XXXX requesting that they validate NOT verify 3 debts that they are attempting to collect from me. I submitted these request on XX/XX/XXXX for one account. The other 2 accounts request was submitted on XX/XX/XXXX. They provided me with billing statements which does not prove that I am obligated to pay them anything. They can not provide a signed agreement between Portfolio Recovery and myself. The FDCPA 15 U.S.C. 1692C ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given above named company any type of permission to contact me, even though they have done so numerous amounts of times. I have no personal relationship with Portfolio Recovery Associates and am unaware of how they obtained my personal identifying information with my knowledge and / or consent. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This should n't have been placed on my credit, the consumer equipment was returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The private student loan debt they are trying to collect on is under XXXX XXXX XXXX but then the law firm of firm Weltman, Weinberg, and Reis has the owner name of XXXX XXXX XXXX. They did not send any actual paperwork that actually proves that XXXX XXXX XXXX actually owns the debt, the sent paperwork that also had XXXX XXXX XXXX and XXXX XXXX XXXX. The paperwork is very confusing because it does not show the process of how XXXX XXXX XXXX purchased and when the account first went into delinquency status which I asked for. I asked for proof of the statute of limitations of this. XXXX XXXX XXXX has gotten into trouble for this before because I asked XXXX back on XXXX and XXXX of this year to send the validation of debt but instead on XXXX/XXXX/16, the matter was sent over to a collection law firm. XXXX XXXX XXXX does not have the right to collect on the debt based on the proof that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (FHA mortgage) with AMERICAN FINANCING CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: My husband and I looked at American financial for a fha home loan. During the initial process the numbers they quoted us was not what they presented to get us to sign but they had greatly padded the loan and all number were much higher. We went with another lender and informed American financial. The second problem came when they drug their feet on transfer of the fha case number to our new lender and after all this they emailed us a bill for {$500.00} for the appraisal when we paid for our appraisal with our current lender. We never signed a letter of intent with American financial and yet they billed us anyway. We did not sign anybody the documents they tried to get us to sign. when we complained to them and told them we were not paying them any money they told both my husband and I different stories of what happened saying it was an automatic process that the appraisal fee was generated because it is attached to the the case number but we took our business to another lender and they had no right to bill is for work our lender is doing. We contacted them repeatedly telling them that we never signed a letter of intent and they knew we had chosen another lender. Why are they monitoring our loan with another lender and trying to bill for work our lender is doing and that we have already paid for.?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Credit decision / Underwriting

Complaint: . At the time of the recession when everyone was losing or walking away from their homes we were given a trial mortgage by Citi which we paid every month with the promise they would modify the loan. after the trial period they put all the interests back, did not modify us and put us in foreclosure as mentioned.So happens they put us in foreclosure and we had to pay back a lump some of money to save our home from going into foreclosure. Now there is a {$15000.00} dollars plus interest on our loan which makes our monthly payments very high and the XXXX dollars we had to pay them to save the home despite the fact we were still making monthly payments they told us to pay. I would like a full investigation in our account held my current lender and previous from the initiation of the mortgage with citi back in XX/XX/2004 and the current holder of the loan citimortgage. WE are stuck in a rut, and can not move forward like everybody else and we are reliable and responsible citizens.WE can not refinance or get the benefits of a Harp or lower interest rates. Our credit was ruined because we were promised what we did not get. The people who benefited are those who have money and can more than afford.

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 12/17/2015 about Credit card () with U.S. BANCORP (MI).
Issue: Transaction issue

Complaint: I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation