milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received  XXXX  calls from  XXXX .  XXXX  Messages were left from " the   XXXX   XXXX  ,   XXXX   XXXX    from   XXXX   XXXX   XXXX    ''. They were attempting to collect a payment of {$760.00}. The female   (   no name ) that I spoke with said that  Insight Capital LLC  was about to sue me due to an unpaid old debt. She could not give me a specific date that the debt was incurred. When I requested the name of the company, they said  Insight Capital LLC . When I asked for a specific commercial name  (  brand name ) used for where the debt was incurred, they rattled off a list of multiple pay-day-loan company names. When I requested written notification, they said that notification was already sent to  a street  name ( no full address ) that I have not lived in since   XXXX  . They said they also attempted to contact me via an email address I have not used is more than  XXXX  years. She " spoke '' with a lawyer  XXXX  times at offered an immediate pay off of {$500.00}. I said I would need to call back next week, then said I could not end the call otherwise the claim would be submitted to the court (    XXXX   XXXX   XXXX  /No s pecific court house ). During the call I looked up the company name "  Insight Capital LLC  '' and saw that there was debt scam information tied to the name. I attempted to end the call and she tried to convince me to send a small amount of the payment {$100.00} and then I could pay the rest next week.   When I refused, she warned me that I would be served legal notification by police officers soon. I am concerned because I confirmed by DOB and last  XXXX  of my social with her. I am concerned that an unverified debt will be added to my credit report as other people who complained said has happened to 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 04-06-2016 about Credit card () with CITIBANK, N.A. ().
Issue: Billing disputes

Complaint: 1. I left the U.S. and moved to work at XXXX in XXXX since XXXX XXXX. Therefore, I cancelled my Macy 's credit card. 
2. In XXXX XXXX, I received an email with my Macy 's credit card statement so I called the customer service immediately and told them that I already left the U.S. and could not receive any mails from them and I already cancelled this credit card. Their customer staff ( a girl with an XXXX accent ) told me that I still had XXXX unpaid payment with US {$44.00}, which was overdue at that time. I told her that I always paid before the due date ( my credit score was " XXXX '' as of XXXX XXXX, XXXX ) and this must happen during my travel so I asked her if she could ask her supervisor for one-time exemption of the past due fine. She put me on hold about 10 minutes and she said it 's been resolved and I only had to pay the remaining amount of {$44.00}, which I spent for my last purchase online in XXXX. 
3. After I received the confirmation from Macy 's customer service staff on XXXX XXXX, XXXX, I paid {$44.00} right away on the same day from my XXXX account ( banking record proof ). 
4. I thought my due payment was all cleared. However, in XXXX XXXX, I noticed that Macy 's still kept sending me bills by email. That 's very ridiculous! Therefore, I tried to email them at XXXXXXXXXXXX to reflect this issue. I emailed Macy 's at least three times and also left my official complaints online but had never received any email responses from Macy 's credit card center! 
5. I called their customer service number at XXXX more than 5 times and they told me it 's been taken care of and they assured me that I would not receive any bill from them. 
6. On XXXX, my last phone communication with Macy 's. I demanded to talk to the customer service manager of Macy 's because this situation was getting worse. I actually recorded our conversation as proof when the manager assured me that my Macy 's account balance would become zero in the following month statement ( i.e., XXXX, XXXX ). 
7. Recently I 've been notified that my credit score dropped from XXXX to XXXX because Macy 's reported a delinquent account with a total of {$270.00} past due payment. This is outrageous!!! I certainly do not owe Macy 's any penny!!!

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 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: THE COMPANY IS XXXX XXXX. WE CAN NOT FIND A NUMBER TO CALL THEM. WE CALLED XXXX XXXX AND TOLD THEM THAT WE DID NOT AUTHORIZE THIS CHARGE. WE THEN DISPUTED THE CHARGE ONLINE ON OUR ACCOUNT FOR THE {$99.00} CHARGE WHICH THE BANK CHARGED BACK TO OUR ACCOUNT LATER. WE THINK THAT IF WE TELL OUR CREDIT CARD BANK THAT WE SHOULD NOT BE CHARGED, THAT THEY SHOULD DEMAND THAT XXXX XXXX PROVE THAT WE AUTHORIZED THE CHARGE!

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 07/17/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Servicing company : LoanCare, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXXI am writing to complain that despite my having adequate funds, my last XXXX previous mortgage payments for XXXX and XXXX have deliberately not been processed by LoanCare through their website ( XXXX ). 

I tried to made a payment for XX/XX/XXXX using the same account that I have always used from my XXXX XXXX Account, and then realized later in the month that the payment was not processed through the website despite receiving an email confirmation that it had been accepted. 



As soon as I realized that they payment was not processed I then made a second attempt to pay XX/XX/XXXX, plus make my payment for XX/XX/XXXX as well, using a different account from a different bank. That payment was not processed as well as I have just come to find out. 

At the time of my second attempt to make my payment I also wrote a message to LoanCare customer service through their website ( XXXX ) requesting explanation why the payment was not processed. To date I have not received a response to that enquiry. 

Both bank payment accounts have more than adequate funds to cover the payments at the time that I made them. I have the bank statements to prove this. 

I have now ( XXXX XXXX ) made a third attempt using my XXXX XXXX account to pay all the past overdue amounts but I am baffled what the problem is because the last two attempts have been unsuccessful and I have received no explanation from LoanCare. I have just tried to call my credit union- XXXX XXXX and they have still not received a withdrawal request from LoanCare for any of the payments that I have scheduled through LoanCare website. 

I just want to simply make my payments but LoanCare is making that impossible, and tarnishing my credit, as well as charging me late fees. I would an explanation from LoanCare why my payments have not been processed despite having adequate funds in XXXX different accounts, and receiving email confirmation. 

I again called my bank to check if they had received a withdrawal request from LoanCare and to date they have not. This leads me to believe that my third attempt to pay will not be successful, and that LoanCare is dishonestly refusing to accept payments in order to collect late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint: On XX/XX/XXXX, I opened an account with Capital One. The account was last updated on XX/XX/XXXX. I got a derogatory remark on my XXXX  Credit Report, XXXX, and XXXX. I filed a dispute for both XXXX and XXXX a year ago and had this account successfully resolved for both credit bureaus. This account still shows a derogatory remark on my XXXX Credit Report. I would like to address this immediately, either pay off this debt or get this negative remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my account on XX/XX/XXXX in responding to a web ad saying XXXX opening bonus if you complete 2 direct deposit of XXXX or more. It also says Well automatically apply the {$200.00} offer promo code when you apply online. I called and was told there was no promo code attached to my account at opening. It has been over 5 months and still no XXXX dollars. 

I read that many people are having the same problem. BMO Harris is the worst bank.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have contacted Navient several times about lowering the payment on my private loan. It is impossible to even get a hold of them due to their horrible customer service. I will get an agent and then get transferred to a dead line, or simply the phone call will end. The times that I have been able to contact and talk to someone about my issue, they have stated that my payment will be lowered, which never happens. There is no follow through. Nothing. I have been told that I would receive a call back and I never do. They offer no options for private loan repayment. They tack on ridiculous interest rates to the point that most of the money on this loan I did not take out. This is out of control. I feel like I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (GA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: Denied federal funding and had to use private loans through Discover Student Loans at higher interest rates, unable to choose payment plan for interest repayment. Graduated from XXXX XXXX University XXXX, SC. XXXX also mislead me as to the availability of classes, I would 've not graduated if i did n't take summer courses due to the limited availability and degree requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease

Complaint: I have a dispute with Ally Financial over a lease for vehicle that has ended. Ally is demanding payment of {$640.00} because of scratches on a vehicle I returned to the dealership at the end of the lease. The term lease was for three years and XXXX miles. I took very good care of the vehicle throughout the three year term of the lease, and returned it with XXXX miles, XXXX XXXX less than I essentially paid for. Ally Financial is claiming that the XXXX scratches ( mainly on the roof and hood of the car ) amount to " excess wear and tear '' because the XXXX scratches are more than XXXX inches in length. 
Ally 's lease is, by its own terms, the entire agreement between myself and Ally. The excess wear and tear provision in the lease is quite specific and detailed. Nowhere within the excess wear and tear provision is there any indication that scratches a certain measurement amount to excess wear and tear. 
This is not an argument on a technicality. I reviewed and relied on the lease and its terms before returning the vehicle. I also visited the dealership with the car for assistance in making sure there were no issues with excess wear and tear. The dealership representative told me the car was in excellent condition and that because I was returning the vehicle with less miles than I was allotted ( XXXX less miles ), I was pretty much returning a vehicle with more value than could have been expected. 
What Ally is doing is attempting to enforce its unilateral determination - outside of what is described in the lease - of what constitutes " excess wear and tear. '' That unilateral determination is performed outside the presence of the consumer, without the consumer 's knowledge, on terms not agreed to by the consumer. I have no doubt that Ally has collected monies from other consumers under similar circumstances and it is in my view a bully practice. 
I have written a letter to Ally and it has not responded. In fact, I have never received any final notice indicating that I owed the amount referenced above. Instead, I was sent a " reminder notice '' of the owed amount, and after I called to confirm this was a mistake, the representative told me I did owe the amount and could not explain why a final notice was not sent to me. 
I am concerned about my the amount that Ally claims I owe. I am concerned about this affecting my credit at this point. I am also concerned about this type of bill collecting. I am troubled by Ally 's failure to respond in a reasonable manner. Despite my best efforts to resolve this with Ally, it does not appear to be going anywhere.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i found that this account is not belong to me and i found that this account is damaging my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: A denial letter sent to me stating these reasons. XXXX serious delinquency, and derogatory public record or collection filed. XXXX number of accounts with delinquency. XXXX length of time since derogatory record or collection is too short. XXXX length of time accounts have been established XXXX limited credit experience. these reasons were all fraudulent!! the whole letter in my opinion was fraud. Chase bank does not make money on home loans less than {$50000.00} dollars. my fico score was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection agency ( Enhanced Recovery, LLC ) added an incorrect collection item to all XXXX of my credit reports in XXXX of XXXX, dragging my score down XXXX points with each bureau. The collection is for XXXX, but I do not know what for. 

The opening date of the collection is listed as XXXX of XXXX. 

I have not had XXXX since XXXX of XXXX, when I switched to XXXX XXXX XXXX. The only account I have ever had with XXXX is a pre-paid phone. I never had a contract with them. 

I disputed the debt with all XXXX bureaus, which is notated on the account, but it was not removed. 

In XXXX of XXXX, I contacted Enhanced Recovery, and asked them to provide proof of the debt. I received a dunning notice, giving me XXXX days to dispute the validity of the debt, which I did. Enhanced Recovery received my debt validation letter via certified mail on XXXX XXXX. 

Now, nearly four months later, I have not received any response from Enhanced Recovery, and the false debt is still on all three of my credit reports.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Prestige stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, XXXX and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with Prestige.
Is Prestige in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My Prestige Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been h it  XXXX  or  XXXX  times on my credit by Common Wealth Financial, som e medical collection company. It is hitting my credit as new debt. I have not been to an  emergency room s ince   XX/XX/XXXX a nd never any of the ones they are listing. I asked them through their rep  XXXX  to provide me with paperwork showing my signature authorizing procedures or patient paperwork. The representative  XXXX  said it could take  up to 3 weeks. I  said that is fine. I finally get something in the mail for them and it is just a bill. The guy calls me back and says, " did you get what I sent you? '' I advised that all I received was an invoice for what they were trying to collect for. He said that is all they have. I advised it was not my debt and that I will be disputing, there is no paperwork on me.   My score dropped almost  XXXX  points in la st 2 week s because they are making a debt that is not mine look as though it is something new. They already advised that whomever had this debt it is from  XX/XX/XXXX , not in last 3 months as it is showing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I purchased a new XXXX XXXX VIN # XXXX   from XXXX XXXX  in XX/XX/XXXX, financed for 6 years through XXXX. At some point my loan was transferred to Ally Financial. The loan was paid off in XX/XX/XXXX, but I did not receive a tiltle and called to inquire ; I was told that they released the lean on the title and that XXXX would print the title if I needed it. In XX/XX/XXXX the car was wrecked and processed by XXXX  as a total loss ; XXXX requires the title to release the settlement funds so that I can get a new vehicle. When I went to XXXX to get the title I was told they could not give me the title because it still had a lean from Ally financial. I asked my wife to call Ally, which she did and was told it would take 24 to 48 hours to process ( I do not have the transaction number ). 10 days later I follow up ; They have no record of my account or social security # but do recognize the VIN of the car. I get the same response as my wife except its 24 to 48 hours for a fax and a week to 10 days for the mail ( transaction # XXXX ). 5 days later still no title release so I follow up again. They transfer me to an account recovery department XXXX who says the system dealing with old accounts is down and they will process it when it is back on line, I asked how long it has been down and when it is expected to be on-line and was told it had been down for at least 2 weeks and they had no information when to expect it to be resolved, and that I have waited 5 years a few more weeks should not be a problem. I call back several times asking for managers or some one who can send a release with out the broken system but have no luck. They all had the same story " they are experiencing technical difficulties and they will call me once they are resolved. I called back the next day and put in another request # 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 12/28/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed