milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with MoneyLion Inc. (MD).
Issue: Charged fees or interest you didn't expect

Complaint: Hi Good Afternoon, On XX/XX/XXXX in response to an advertisement I received from Moneylion, I signed up and was approved for a cost-effective short-term loan of {$600.00} at a 5.99 %. I reviewed in great detail every section of the contract ( attached ) before signing. I was told that {$23.00} would be deducted weekly ( every Friday ) for 26 weeks, with a total payment of {$600.00}. 

After the first withdrawal on XX/XX/XXXX, I noticed a second withdrawal on the same day for {$31.00}. And this occured the following week as well - {$23.00} + {$31.00}. When I inquired with Moneylion, I was then informed that a membership fee ( that was initially advertised as {$79.00} initially ), is actually a recurring fee for the entire duration of your repayment, bring a total membership fee to {$31.00} x 26 weeks = {$830.00}. Nowhere in my contract was this ever stated or brought to my attention during the enrollment process. I am certain I would never sign up for this having been told so at the onset. 

I have since blocked the additional payment of {$31.00} as this was never communicated to me, but I shouldn't have to do so. This behavior is predatory and traps people into paying far more than is advertised.

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 08/24/2016 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Carter-Young, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXXChapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: American Express send a card under a wrong name I have been requested American Express to correct my name and I send them copy of the driver license passport first they didnt except it via fax I dont use envelope or stamp for a year I had to buy envelopes and stamps and still American Express failed to correct my name. 
I dont undrestsnd what they trying to achieve by making it difficult and giving me a hard time I cant use the card because it doednt have the correct name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX 2017 {$1.00} Wrong information XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CO).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: XXXX/XXXX/XXXX I have a prepaid XXXX gift card, marketed by US Bank, with a {$200.00} credit balance. Today I tried to use the card to purchase an airline ticket for {$180.00}. The transaction was denied. I contacted Cardholder Services at XXXX XXXX XXXX XXXX and spoke to a supervisor, XXXX XXXX who told me that airline ticket purchases have an automatic withholding function that requires a 20 % " overage '' for gratuity. I told her that I was purchasing a ticket for exactly {$180.00} and that there would be no gratuity on the account and asked if she would be able to approve the transaction. She told me that it is bank policy to withhold the 20 % overage for any services ( haircuts, restaurants, airlines and cruises. ), and said that she would not be able to approve the transaction. I then inquired what could be done to get the purchase completed, and she suggested that I call the airline and ask if they would be willing to reduce the price of the ticket by 20 % -- laughable. I asked her to provide me with the documentation of the US Bank airline ticket gratuity policy, because the pamphlet that came with the gift card makes no mention of it. She said that she was unable to do so, but that I could write to Cardholder Services at XXXX XXXX XXXX XXXX, FL XXXX and they would be able to provide me with the information. Since the card is administered by US Bank, I asked if I could take the card into a US Bank branch and simply get cash for the balance and was told that I can not do that either. The problems are : 1 ) I have {$200.00} on a card that I would like to use {$180.00} to purchase an airline ticket. 2 ) I have until XXXX XX/XX/XXXX to get the purchase finalized. 3 ) Even if they are able to furnish me with the policy, I am still without the ability to have access to my money, and US Bank has refused to allow the purchase to be approved. 4 ) Never in my life have I paid gratuity on the purchase of an airline ticket, nor do I know of anyone who has paid gratuity to purchase an airline ticket. In fact, I looked up " Can I pay gratuity for an airline ticket? '' on XXXX and was not able to find a single item about it. Lots of info about cruises, motor transportation, and tour guides, but no gratuity on airline tickets. Interesting.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DMB Financial, LLC (TX).
Issue: Fraud or scam

Complaint: OnXX/XX/XXXX I enrolled in a debt settlement program through DMB Financial Program. I agreed to pay {$740.00} per month for 53 months to settle {$49000.00} in credit card debt. As of XX/XX/XXXX DMB Financial had not settled any debt for me and had taken out of my checking account from XXXX XXXX. {$3700.00} and a related company to DMB Financial took {$59.00} during the same time period for " education purposes ), totaling {$290.00}, and to this day did not settle any of my debts. Not one.

Company response to consumer: Untimely response
Consumer complaint received 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have informed Equifax that the following address is not mine or never been mine : XXXX Please have this address removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Medical) with Professional Recovery Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with Quality Asset Recovery LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: creditor agreed to remove accounts.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( EQUIFAX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Payday loan) with High Point Asset Inc (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving repeated calls from a company named High Point Asset stating that I owe a debt to payday Lian companies called XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told on yesterday when I talked to XXXX XXXX that when you take out payday loans online and when it does not clear your bank you owe the original company as well as the lender they used. Unheard of. I have done online payday loans, but they have been paid back. I do not owe these bogus companies. I even asked for letters and they even sent me a supposedly validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Payday loan () with Moneytree Inc (NV).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan online and was denied. I requested for the lender to explain the reason ( s ) for the denial. The lender told me I was denied because I had an outstanding balance of {$350.00} from a returned check the lender is claiming I wrote at one of their locations in XXXX XXXX, XXXX on XXXX XXXX, XXXX. I explained to the lender that it was not possible because I resided in the state of XXXX at the time the alleged check was written and did not move to XXXX XXXX, XXXX until XXXX XXXX. I also explained that I had been a victim of identity theft around the time the alleged incident occurred in which I had to file police reports, identify theft affidavits, complaints to the FTC, notified the Inspector General for the United States Postal Service because my mail had been affected, notified the DMV to place a fraud alert on my Identification record, notified the IRS so my file could be alerted, notified the SSA so fraud alerts could be placed on my social security number, notified all XXXX major credit reporting bureaus to place extended fraud alerts on my credit reports and things got so bad that the XXXX Nevada Office of the Attorney General even provided me with an Identity Theft Passport ID due to being a victim of Identity Theft. In addition to all of that information I provided to the lender, I also advised them that the 6 year statue of limitations for the alleged debt had expired being that it was said to have taken place 11 years old, therefore it should n't be on my record anyway. But even with all of that, the lender continues to deny my requests for a loan due to the alleged 11 year old debt.

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 10/23/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OH).
Issue: Using a debit or ATM card

Complaint: Bought a product from a company and recieved it well after they originally told me. 

Product did n't work, so I sent it back per a text agreement with the merchant. 

Merchant ignored me and would not respond to me for over a month. 

Decided to get my bank involved, they sent me temporary funds only to take them back a few weeks later saying it was more than 60 days after my purchase while 20+ days I did n't have the product delivered to me. 

Now as of yesterday the merchant has finally responded to me basically saying they have the manifold and the money and then will not contact me anymore. 

My bank will not do anything even with written proof the company has the product and does n't plan on sending it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This letter is to dispute inaccurate credit information present in my credit report for the amount of {$180000.00} initially reported on XX/XX/XXXX by Chase bank. 

Back in XX/XX/XXXX, I entered into a contract agreement with Chase bank to Short Sale my property in XXXX XXXX XXXX, FL., which took place on XX/XX/XXXX 
On the closing date, I signed the HUD forms and notarized all related documents per the closing agent instructions ( XXXX. ) and submitted my final payment of {$620.00} as required for the closing and transaction was closed. 

A year after the Short Sale transaction, to my surprise, I started receiving collection letters and settlement offers stating that amount of " {$180000.00} '' still owed and due to Chase Bank. 

Immediately after, I started contacting Chase Bank trying to resolve the issue by faxing and forwarding copies of the " Short Sale Offer Confirmation '' letter executed by Chase that states that " we will waive the remaining deficiency balance on the account totaling {$180000.00} '', which it seems to be ignored and/or overlooked by the Bank all this time. 

Subsequently, after calling Chase Executive office and talking to representative who was going to look at my case closely for a resolution, I got no clear answer. Few days later, in XX/XX/XXXX, I contacted Chase bank and spoke with XXXX XXXX XXXX from the collection dept. who suggested me to fax copies of my documents for further investigations, but as many times before her response was n't clear and wanted me to " settle '' the debt for less in order to move forward. 

According to XXXX and her supervisor, my original " Chase Short Sale Offer Confirmation '' from Chase was " superseded '' for whatever reason and a " new '' " Chase Short Sale Offer Confirmation '' is now in place stating the amount of {$180000.00} is still owed to Chase. 

According to her, my original " Chase Short Sale Offer Confirmation '' letter releases me " only '' from interest on the property, but not from the debt? This statement is vague and confusing to me and defeats all of my intentions for short-selling the property in the XXXX place. 

Enclosed are copies of the HUD settlement statement, the Chase Short Sale approval letter and Short Sale closing documents to support my position. Also, I 'm enclosing a copy of the XX/XX/XXXX collection attempt from Chase. 

Please feel free to contact me if you have any questions or if more documentation is needed to resolve this dispute. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with Synovus Bank (NJ).
Issue: Billing disputes

Complaint: I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (VA).
Issue: Delinquent account

Complaint: I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation