milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was first contacted by phone number XXXX stating that he needed to know a time that I will be home so that I can be served a lawsuit. I asked what the lawsuit was for and he then told me to call XXXX. I called that number and a person named XXXX XXXX and told me that the creditor ( Ace Cash Express ) was going to press criminal charges on me if I did not pay the debt owed in the amount of {$590.00}. I asked him why would they press charges on a debt that has already been placed on my credit report and why he was threatening me. He then asked if I wanted to take care of the debt over the phone because if it went to court then I was looking at paying up to {$3000.00}. I told him I did not have XXXX that day to give but I could make pay arrangements. He then said mam we are not going to get anywhere I will see you in court and hung up on me. I called the number back and spoke with another guy who said his name was XXXX XXXX and explained my previous conversation with XXXX and asked why would they try to press criminal charges on me? He then said that they will not if I can make a payment or payment arrangement so I set one up. They never said the company they were representing only when XXXX sent me an email with an invoice that looked fake is when I seen the company name was XXXX XXXX XXXX XXXX. After doing further research I am unable to find any info pertaining to this company so I am not sure if they are a legit collection company or not. I never received a letter in the mail with anything regarding an arrangement

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Delinquent account

Complaint: As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans refuses to close my loan. They pushed off my date while not requesting I provide all required information to do the loan. Now I am in a hotel with my kids and no home because of it. They told my bank I fraudulently provided bank statements for my earnest money check. Which is absolutely wrong. I had the check and everything provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My vehicle was totaled on XXXX/XXXX/XXXX I had full coverage and GAP insurance. On XXXX/XXXX/XXXX I was advised there is a balance of {$380.00} remaining on my loan. When the insurance company spoke with Capital One XXXX they were provided a 10 day payoff amount good thru XXXX. The payment was not received by Capital One XXXX until XXXX/XXXX/XXXX. Which incurred additional charges. After speaking with the XXXX XXXX XXXX XXXX she states Capital One XXXX did not provide the letter of guarantee until XXXX/XXXX/XXXX and was requested XXXX/XXXX/XXXX. Which caused the delay in the payment, causing additional charges. She also advised me that they should not have been charging me interest after they were notified the vehicle was totaled. She also told me to file this complaint. I do not have any money to pay a balance especially when I should not have a balance. This is no fault of mine in any way. I provided the needed information to all parties in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My first experience  with   Sychrony bank was with my TJ Maxx card, they lowered my limit based on my credit score. It was low then so I did n't complain, I just paid off the account and closed it. Next, was my JC Penny account. I have been a card holder with JCP fo r 15 years. I paid off my account in full back in  XXXX  and was informed in  XXXX  that my account was closed. Pe r Sychrony, my credit score  was low in  XXXX   2016 , so they closed the account. At the time they closed the account, my score was  XXXX  points higher than their quoted score in their letter. I have  XXXX  more account  with Sychrony,  my Care Credit account, which I will close so as to not do business with this company or any retail outlets that use th is Company  as their primary credit car d issuing Company. I n the meantime,  XXXX   XXXX  will be getting a majority of my business as their cards are owned by  XXXX  and they consider me a credit worthy consumer, so they raised my limit {$1000.00} for being a loyal customer. My hard earned money and credit will never be spent or utilized with ANY establishments  who use Sychrony in any manner or form when it comes to their business and customers.

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 07-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: they have kept dispute ongoing for more tan 14 months

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Had Identity theft around or during time frame of said account. midland collections will not what so ever send any forms /paperwork to me when said account was open with credit XXXX with my signature that can prove that I did such a thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: I had a debt with Synchrony Bank {$570.00} and the bank ordered XXXX XXXX XXXX XXXX to collect the debt. Synchrony Bank accepted a settlement I offered {$300.00} and I paid it in the time manner. One month after the Synchrony Bank ordered another debt collector XXXX XXXX XXXX to collect the rest {$270.00}. 
I explained to to the last collector that I already paid my debt through the settlement and I sent them all documents. XXXX/XXXX/2016 they made a report on my credit. 

Synchrony Bank already accepted the settlement.

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 10/13/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT).
Issue: Fraud or scam

Complaint: I received a phone call from XXXX A lady name XXXX XXXX with XXXX XXXX XXXX treating me with jail time of 5 years if I do n't send her {$4100.00} by money gram then they had me running around town to a walmart and I was supposed to be in phone checking the them every minute if the phone call got disconnected I would be arrested. They demanded not to tell any one and send XXXX money grams to XXXX XXXX in TX for {$670.00} and XXXX XXXX in TX for {$600.00}. that was XX/XX/2015. Today XX/XX/2015 call me from another phone XXXX But my husband cussed them out and they stop. Now they stole from me {$1300.00} I was afraid for my life it was so disturbing. They yelled at me and it sound so real.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: In XXXX, someone fraudulently used my identification to open an account at XXXX XXXXSYNCH which is serviced by XXXX XXXX. I did n't know this had been done until I received a letter from XXXX XXXX stating this account was 60 days past due and was getting ready to go to collections. I contacted XXXX to tell them this was not my account. The manager I spoke with at this time took my statement and told me it would be handled by the Fraud Dept. He also said that it would be in my best interest to pay the minimum due each month, {$84.00}. because if the investigation was not resolved in my favor I would not have to pay monies due back all at once. I set up for {$84.00} to be automatically deducted from my checking account starting in XXXX to pay in account XXXX. 

I received a letter in XXXX XXXX, stating that the investigation was completed and the claim had been resolved in my favor. 

In XXXX XXXX, I called XXXX XXXX to see what I needed to do to be reimbursed the monies I payed on this account. I was told I had to send them all documents showing where I payed on this account. I was told I could mail and/or fax the documents to them. They gave me their address ( ATTN : Payments-XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ) and fax number ( XXXX ). I was told it would take 30-40 days from the date they received the documents before I would receive my refund. In XXXX XXXX, I mailed and faxed every bank statement and billing statement that showed where I had payed on this account. 

At the end of the 40 days, XXXX XXXX, I had n't heard from XXXX XXXX so I started calling. From XXXX to XXXX XXXX I have been calling and continuously got transferred from customer service to the fraud dept to investigation dept and resolution dept. 

In XXXX XXXX, I called XXXX XXXX again to check on the status of my reimbursement. I spoke to another manager. She told me I should wait another 15 days to hear something from them. If I do n't receive anything then maybe I should mail or fax the documents again. I told her I was not going to fax or mail anything again because I would have to wait another 30-40 days from the receipt of the newly send document for a responses. Plus I told her it cost me {$60.00} to fax the documents the first time. I asked her if she, the manager in the Fraud Dept, could reach out to the dept where the reimbursement is supposed to come from to check the status. She told me she could n't that dept could only be reached by mail. I 'm at my wits end at this point. Each and every time I have called XXXX I 'm transferred from one dept to another and back to the first one I called again having to begin at the beginning explaining everything all over again to each person I 'm transferred to.This has been going on from XXXX to XXXX 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 01/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account with Coinbase, I sold my Bitcoin and hit a button to withdrawl my {$160.00} I got confirmation letter the money would be in my back account by XXXX XXXX. I have not recieved it and have no way to contact the company they do not answer the phone they just say send an email to support but I could not figure that out either

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: Ocwen Bank submitted a Motion to Default on the home loan while I am currently 50 % ownership and was protected under the Bankruptcy  Chapter  XXXX  laws.   XXXX      XXXX  Currently I received an order substituting Plaintiff to    XXXX   XXXX    ( originally  Ocwen  ) which t he order was filed before I received the notification about the substitution which I oppose and will submit this to the court.    Ocwen  filed the Default and   XXXX   XXXX   XXXX   wasnt assigned  the servicing company on public records or properly notified all parties of ownershi p of such change.   I am the other person who has legal interest in the property and the one that is not receiving proper notification or servicing..   Please submit this to the highest level of investigation as you will find o ut Fair Foreclosure Act has be en violated along with other discrepancies with this process.   This appears to be an under handed way to obtain a summary judgment without serving me the proper complain t, notice of intent to foreclosure or corrected notice and since Ocwen is   trying to substitute Plaintiff   XXXX   XXXX   XXXX   XXXX   as Trustee for  XXXX  Master Participation Trust seems to be a conflict in its self since they have not submitted any documents as well.     This is  XXXX  starting all over again with in proper banking practices and attorneys filing documents without notification to all legal interested parties.     Robo signing practices no  XXXX  checking all servicing documents etc

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 01-03-2017 about Debt collection (Credit card) with Messerli & Kramer P.A. (ND).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from this company demanding me to pay them. To my knowledge I have never signed a contract with this company and neither have they provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Disputed original claim for acct. XXXX with a certified letter within 30days of receiving Capital Accounts LLC demand letter XXXX/XXXX/2015 for {$210.00}. I asked for validation and never got it. I have my letter and documents of proof certified, signed for that I sent XXXX/XXXX/2015 and a Capital Account 's representative signed for XXXX/XXXX/2015. I do not owe this debt. Even if they " proved I did '', I should have still be given a response and not been sent to all the credit bureaus within 5 days. I want the account deleted off my credit until they legally respond to my validation letter. Give me a chance to respond without sending it to the credit bureaus, the whole point is to take my money is n't it. They are in violation FDCPA by not responding to my valid letter sent within the 30days of their claim. I would like to resolve but they need to follow FDCPA guild lines and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I have/had a credit card with American Express for a long time. They bill me using my email address. They changed something and the bills went into my trash and I did not see them. After two month they called about the bill and I paid the bill at the same time they wanted a additional XXXX dollars for me t to keep the credit card when they are offering the same card for free. I declined the XXXX dollar fee and elected to discontinue. I had many years of points ( which are like money ) which after XXXX or XXXX customer service representatives telling me I could get them finally said I could not get them because I was behind in my payments which was their fault. What can I do to get my points?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (LA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Received a response from Wells Fargo and they simply tried to brush off a complaint with a standard response. CLEARLY in my email it mentioned that I was eligible for the {$250.00} bonus and I have met the 10x transactions requirement. This so called private invitation had a public url " XXXX XXXX XXXX ''. If there was some error along the way, should n't Wells Fargo be held accountable for their mistake and own up to it? I am filing another complaint as I feel I am being unfairly treated by Wells Fargo.

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 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help. I would like to keep the account open and return to good status with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was turned down for credit, when I contacted XXXX and disputed they told me to wait 40 days. I have no credit until then. If I need a home repair or my car breaks I would be stuck. My dispute # XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: lvnv funding llc is reporting on my credit reports that I owe a debt of {$130.00} opened on XXXX XXXX XXXX.i believe this debt is not mine and they should be taken off my report immediately.i have sent a verification of debt letter and have waited patiently for a response and still have not received anything.I have tried calling and got nowhere.original creditor on report says XXXX XXXX XXXX XXXX XXXX I have no idea what that is. I HAVE TRIED CALLING AND WRITING lvnv funding several times I have tried looking up address 's and there are several in several different statesthese are some addresses I have triedLVNV FUNDING LLCP.O BOX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding LLCP.O. Box XXXX XXXX, XXXX XXXX LVNV Funding, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX have also read on internet and several forums that lvnv llc is the same as ressurgence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (International money transfer) with SUNTRUST BANKS, INC. (FL).
Issue: Money was not available when promised

Complaint: XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $  XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.

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 07/28/2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Amsher is trying collect this debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Whenever I try to get my credit score report from online I get the message " We 're sorry, for your protection we are unable to deliver your Free Annual Credit Report online. '' I need my credit score report urgently.

Company response to consumer: Closed with non-monetary relief