milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged bank acct wrong day or amt

Complaint: Ace cashed my check a before the actual due date due to it being a holiday without my consent, My account was over drafted as a result of this and when i called them to tell them what they did she told that they cashed it and it would n't go thru due to it being a holiday and that they were not going to reimburse me for my overdraft charges i received for XXXX. Not to mention i have already paid them double of what I have borrowed already and have always used them and paid every single loan on time every time was never late. Today i get a call from a guy calling from a company called XXXX number XXXX asking me if I will be home so he can come and deliver me some papers THRU XXXX XXXX, which led me to believe that he was a sheriff. I asked him what was this for and it said he would have to transfer me. He transferred me and it was Ace Cash Express. I was livid when she told me that this is a validation letter that was going to be mailed to my home. I called him back and told him that i will be home i was calling off, but i wanted to know what was his job title and why was he coming to my home to give me papers, He said he was a courier. I do n't feel safe with someone that knows my information threatening to bring papers to my home. The person that i spoke with said that he must have been confused so i called him back just to make sure this was n't a mistake. He asked for my work address and if i still worked for my old job and then said the name of the place. By this time i have my recorder on and asked him the same questions again just to make sure that this really just happen.And he said the same thing but got mad and said you are being blocked. and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please find attached the FTC application, along with my dispute letter, stating that the following account are not mine and have been mixed up with another persons identity, therefore i have been disputing these items for more than one year and experian does not remove them from my records, please help me with this situation. 
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 01/27/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Overlimit fee

Complaint: I opening up an American Express card account with my husband as an additional card holder. He was the only one who used the account. He handles our finances and when he logged on to the account, he checked the amount due and paid the entire balance as was noted. The next month, we found that Amex had charged us an interest fee of {$29.00} because there was an annual fee of {$190.00} and a credit of {$100.00} that was charged to my card. These charges did not appear on the account when my husband checked and paid the balance a month earlier. I called Amex and asked why these charges did not appear when my husband checked the account balance and was told that only the charges to his card were reflected when he checked - though that information was not noted when the account balance was displayed. I told Amex that that was a very poor policy and it resulted our being charged {$20.00} on a {$95.00} inadvertant underpayment - an effective interest rate of over 250 %. I asked that Amex waive the interest fee. They refused. I then asked them to cancel the card and refund the prorated portion of the {$190.00} annual fee. They canceled the card but refused to refund the fee though it had only been charged a month earlier. I have two complaints : 1. I would like a refund of the {$29.00} interest rate charge since the Amex account balance website was misleading and failed to advise my husband that not all account charges are reflected in the balance due which resulted in an underpayment of {$95.00} on the {$1400.00} bill that was paid. 
2. I would like a pro-rated refund of the {$190.00} annual fee that was charged XXXX/XXXX/2016 ( the card was cancelled on XXXX/XXXX/2016 ). Since it is an annual fee, and the amount is significant, I should have a refunds since I will not be given any access to any of the benefits from this fee once the card was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XX/XX/XXXX, but all payments were made on time until XXXX XXXX when I lost my job. XXXX has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. Equifax has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been trying to resolve an issue I have had with this company for at least two years. I was told to contact a law firm regarding this account which I did and they told me to call Midland. I called Midland and told them I just wanted to settle this matter and they stated they were not currently collecting on the account. They indicated the would call and let me know who now was in charge of the account. I never receive any return phone call. I do not understand how they can report this account on my credit report and update it monthly, causing maximum damage to my credit score. However, they are unable to tell me who to speak to about this account. This has become ridiculous and I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with E. A. Uffman & Associates, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: never heard off XXXX XXXX, and i asked for validation and they send an itemized bill which is not validation and it is against the law for a company to be added to a 2 party contract if thats the case

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 01-07-2018 about Debt collection (Credit card debt) with WINN LAW GROUP, APC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Winn Law Group has put a judgement on me and wage garnishment over a XXXX  account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Student loan (Private student loan) with DISCOVER BANK (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Discover Loans +   XXXX   student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d  XXXX  were no help after many direct phone calls during the last few days and last week.   We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter.   Please Help. Both Parents have co-signed to help children.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Someone has made charges on my JCPenney Store Credit Card. I received an email on XXXX from Synchrony Bank the bank who extends credit for JCPenney stating I have a communication from JCPenney Credit Card. I havent used the card in at least 12 months so I knew something was wrong. I followed the link and tried to log in to my account and I was unable to do so. I called the number in the error message. It was the JC Penny Credit Fraud Department. I was completely worried at this point. I explained to them that the charges werent mine. The phone call was really choppy the entire time we were on the phone even though we were both on land lines. This concerned me but I asked a lot of questions because credit is everything in our society. Last Night XXXX I received an email with my statement balance. It stated I owed XXXX with a XXXX minimum balance with the due date of XXXX My concern when I talked to the representative I was told the charges would be reversed on the online order that was over XXXX dollars. I really just want to close the account after the two conversations I had with the fraud department, they are extremely rude and unhelpful, but I dont want to pay any charges for something I havent purchased. Again I havent use the card in at least 12 months. I dont shop at JCPenney I literally opened the account at the register when I purchased some work out clothing while in XXXX XXXX. I may have also purchase some XXXX XXXX XXXX XXXX a year ago but thats all. I can verify the dates of the above purchases because I cant log in to my account. I asked for a statement and I cant seem to get any answers. I asked if this may just be a mix up since a payment was made on the account in the amount of XXXX on XXXX XXXX. I heard that in my account summary when I initially called. The Fraud Departments manager refuses to help me she stated she closed the account but I would be required to pay the remaining fraudulent charges. I think this is unfair when they know I didnt make the charges, theyve credited my account for most of the charges except XXXX but they want me to pay the fraudulent charges by XXXXXXXX which is unfair because I didnt make any of the purchases. Please help me resolve the remaining balance on the fraudulent purchases and to close the account. I have attached the email I received and a copy of my drivers license to prove my identity.

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 04/15/2016 about Payday loan () with Big Picture Loans, LLC (LA).
Issue: Charged bank acct wrong day or amt

Complaint: Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. 
Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed a levy on my bank account on XX/XX/XXXX from Midland Inc. I called Midland asking what it was for and I was told it was for a XXXX credit card in the amount of XXXX I told them I knew of no such debt and to send me documents showing the debt. They told me to go to the courts for that information. I printed out the public records and found the case. The rendered a judgment against me in XX/XX/XXXX. It shows on XX/XX/XXXX that I was given a proof of summons. My complaint is that I have never been served in my entire life of anything and that I have received no information on this debt. This credit card hasnt been used since XX/XX/XXXX when I was married. My ex didnt pay this bill I am guessing and now Midland is coming after me. I know that this is n't a legal way to handle this and something should be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Cavalry SPV LLC is suing me for an old debt with XXXX XXXX. I have moved 4 times in 3 years. I was not properly notified of a lawsuit or continued issue with XXXX XXXX  since they no longer exist. The debt has not been properly verified.
I opened an account with XXXX XXXX through a XXXX XXXX  store in XX/XX/XXXX. XXXX XXXX wrote off this alleged debt off in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX became XXXX XXXX. Cavalry SPV bought the alleged debt from XXXX XXXX inXX/XX/XXXX. I dispute the fact that I can be sued for the alleged debt that did not exist as ofXX/XX/XXXX. The plaintiff is named as Cavalry SPV, assignee for XXXX XXXX XXXX XXXX. The plaintiff in this lawsuit is an assignee for a company that no longer exists. Nowhere in the actual lawsuit filing itself is the mention of XXXX XXXX. These details point directly to fraudulent business practices and debt collection directed to a consumer. Cavalry SPV has been named in and accused of fraudulent business practices against consumers for the purpose of collecting zombie debt before and judgements have been issued for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Billing disputes

Complaint: Someone at an Old Navy store opened an Old Navy Visa account for me XX/XX/2016. They put the wrong address for me into the computer and their computers were down, so the typical process of checking your address on the screen of the credit card machine did n't occur. Fast forward, now it is 11 months later and my credit card is in collections. I only used the receipt to purchase goods in the store and one other time had the person in the store look up my account. I never received the card in the mail. After getting my credit report, I saw that the account was listed under the same address but different city state. This means that all the statements and card were sent to a completely different address. Now my credit has negatively been affected and the amount that I owe XXXX is in collections with a shoddy debt collection company. The solution that I would like is for me to pay the debt and not get the run around by the debt company and for the record of this debt to be expunged from my credit report.

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 02-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About 3 years ago, I started my own XXXX and opened up a BOA business account along with a credit card merchant service. When I signed up the contract with the bank agent, the guy told me that I can cancel the credit card merchant service any time I want without any penalty. Things have been going smoothly until I closed my business 6 month ago, when the BOA collection department started sending me letter and had me pay them {$540.00}. I understand that I am responsible for the {$44.00} as it is the service fee for the last six months, but I have no idea why they ask me to pay the {$500.00}. After getting the first letter from them, my son called them immediately in an attempt to figure out where the {$500.00} came from. The representative said that the {$500.00} is something called " Early Termination Fee '' which I should take care of it as my XXXX shut down before the contract is over. I was extremely frustrated because the bank agent did not mention anything about the " Early Termination Fee '' in the beginning, she kept telling that I was able to cancel the service freely. My son had negotiated with the collection department and customer service for a long time, and finally they agreed to escalated my case to their management level to see whether they can waive the {$500.00}. Two weeks later, my son got a phone call from a lady whose name is XXXX XXXX I believe ( her phone number is XXXX ), she told us that we no longer need to pay the {$500.00}. I was glad that they waived the {$500.00} at the end, but when I called back the collection department to double check, they still told me I own them {$500.00}. Then my son tried to get in touch with XXXX XXXX, Customer Service, and Collection department to figure out what 's going on here. Customer Service and XXXX XXXX said I do not own them {$500.00}, but the collection department kept sending me letter for the {$500.00}. I am really lost now. It takes long time to get through their phone tree and waiting time, so I decide to lodge a complain here and ask for help. I feel that they treated me in a very unprofessional manner, and the {$500.00} Early Termination Fee is really a fraud, it 's like they rob money from me violently. I want the collection department to give me a fair explanation and apologize to me.

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