milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I used XXXX to load {$110.00} to my Rushcard account on XX/XX/2015. I waited for 2 days and the money never went on my card. So i called XXXX and they said they sent the money to Rushcard. Then i call Rushcard and they said they posted it to my Rushcard account. So i wait a couple of hours to check it and it 's still has not posted to my Rushcard account. I have not been able to get a Rushcard rep on the phone and today is XX/XX/2015. I have a receipt from XXXX showing I sent the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed with the original vehicle loan, XXXX XXXX XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint against XXXX and their reply was that they were sorry and will correct the data on mine an my husbands credit reports for all three bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, transunion & XXXX. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX 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 04/21/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (SC).
Issue: Managing the loan or lease

Complaint: I am utterly disgusted at  Conns Home F urnishings!! I purchased a new  75 '' 4K sm art TV from them yesterday at  XXXX  and they ran my credit and took my money up front I paid {$400.00} to get the loan to get the TV. I got the TV home and left it safely there unharmed until my work day finished then I unpackaged it and set it up! It was wonderful until .... half way through the first movie on the left hand side of the TV a blue line appeared. Needless to say I called  Conns  and they said I needed to call the repair center they could not replace the TV they can send someone to repair it!! I could not call the " repair '' center as they were closed so I called  XXXX , they did some simple test and they told me they could also send someone out to " Fix '' my TV I said no way! I paid for a new TV and I should get a replacement asap! they said the repair team would have to determine if that is the best option for me! I told them it paid for a new TV and that 's what I am getting period. I asked to speak to manager and they are supposed to be calling me back. SOO the next day today   X/XX/2017      XXXX  I called the " Conns Repair team '' and they tell me basically they can and wont do anything for me and that I have to work with  XXXX , I said so you sold me a defected product and you wont do anything at all about it!! To be fair they should be sending me a new TV with free installation!! I went round and round with them and they kept saying the same thing call  XXXX ! I did n't even have this TV for  XXXX  and its defected and they said I can bring it back for a full refund or call  XXXX . Wow!! really I wanted the TV that 's why I purchased it not to have to bring it back .. no customer service skills at all and I am getting treated VERY unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Consumer Loan (Title loan) with Keystone Equipment Finance Corp. (NC).
Issue: Lender damaged or destroyed vehicle

Complaint: As of  XXXX / XXXX / XXXX , interest paid on the loan was {$2300.00}, principal balanced owed is {$5700.00} and the loan balance is {$7800.00}. I have made  XXXX  payments totaling and {$2000.00}  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . I contact the lender to obtain the principal balance owed on  XXXX   XXXX . I receive an email from the lending stating, as of  XXXX   XXXX ,  XXXX , my principal balance owed is {$5600.00}. An investigation should be created. I should owe around {$4100.00}. My payments are not going to the principal balance properly. {$50.00} going to the principal balance each month as well as, an estimate of {$200.00} should go to interest. So essentially, an estimate of {$1600.00} should have applied to the principal balance for my  XXXX   XXXX  and  XXXX   XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: In 2013 I purchased a washer/dryer from Best Buy at which time, I was told that if I got a Best Buy credit Card, there will no be finance charges for 36 months.I'eve paid he monthly payments regularly every month, the balance at this time is {$750.00}. Then today, I get a bill from them advising me that may balance due is {$1900.00}! an increase of more than {$1300.00} claiming that because I did not pay the loan in its entirety when it became due, I would have to pay {$1300.00} in interest charges. Obviously, because the loan is more than 3 years old, I forgot to check the due date, and I feel this company should have at least sent some type of warning advising me of this important date, I feel they did not do this simply wanted me to forget the date and therefore, make money from me. To me, this plain and simple extortion. I have a XXXX XXXX which means that I pay my bills, every month, and on time and I feel this charge unreasonable and should not be paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Auto) with Optio Solutions, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Recently, I ventured out on my own as an XXXX. 

I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. 

I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. 

I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. 

It went to collections. 

Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. 

My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. 

When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. 

I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. 

Is it legal for Qualia, or XXXX to make debits from the numbers on a check? 

At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. 

In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. 

I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. 

In addition, I will write Qualia to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I usually check my credit score with my credit card companies such as XXXX card, XXXX XXXX, and XXXX banking. My discrepancy is with Experian. I had an credit score with that Co.. of XXXX. That was a month ago. I have had no major changes to my credit, ... and have never been late, ... .but my credit score has dropped XXXX points and the company Experian won '' t give me a substantial reason as to why? I have had credit for over 20 years and have never gone over half my credit limit or come close to maxing any cards. Would you please look into this and give me a reasonable explanation? I understand that Experian was hacked not too long ago, ... .could this have any bearing as to why my score dropped XXXX points in a months time.? from XXXX to a XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I received a collection letter from PMAB , LLC dated XX/XX/XXXX regarding a medical debt. I responded to the letter within 30 days dated XX/XX/XXXX and requested validation of the debt. I received a response from PMAB , LLC dated XX/XX/XXXX that the debt was returned to the client and closed off my credit report. PMAB, then reported a collection debt of {$1900.00} to my credit reports XX/XX/XXXX. 

I am filing this complaint because PMAB failed to send validation of the debt and PMAB is falsely reporting a collection of {$1900.00} to my credit reports that they do not own. They sent the collections account to my credit reports after providing me with documentation that the account was closed and returned to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: COMPLAINT : CLIENT : XXXX XXXX CAPITAL ONE : CREDIT CARD : XXXX LAST 4 OF SOCIAL : XXXX I SPOKE TO CAPITAL ONE ABOUT A MEMBERSHIP FEE OF {$29.00} THAT IS WAIVED FOR OTHER CLIENTS AND NOT ME : I SPOKE ON XX/XX/XXXX TO THESE EMPLOYEES 1. XXXX : EMPLOYEE # XXXX XXXX. XXXX : EMPLOYEE # XXXX 3.XXXX : EMPLOYEE : I EMAILED THE CEO : XXXX XXXX AS THESE EMPLOYEES WOULD NOT GIVE ME HIS NAME, HIS EMAIL XXXX OR THE CEO 'S PHONE NUMBER : WHY WAS THIS HIDDEN AS A PROFESSIONAL REALTOR, MY TIME IS WORTH {$200.00} PER HOUR. WHAT IS THE CEO 'S TIME WORTH : HERE IS WHAT XXXX SAID TO ME 1. XXXX XXXX, WE ARE WAIVING SOME MEMBERSHIP FEES OF {$29.00} BUT NOT YOURS. WHY? 
THIS IS NOT VIOLATING YOUR RIGHTS. 
YOU CAN NOT FILE A COMPLAINT AGAINST US FOR WAIVING ONE CLIENTS FEES AND NOT YOURS.

2. PLEASE ADVISE : HOW MANY CLIENTS OF CAP ONE ARE GETTING THE {$29.00} FEE WAIVED? 
ARE THE 40 MILLION CITIZENS IN CAL BEING ABUSED? 
ARE THE 12 MILLION IN XXXX XXXX COUNTY BEING ABUSED? 

WHAT LAW ALLOWS CAPITAL ONE TO DISCRIMINATE AGAINST ME? 

THIS CONVERSATION WITH CAPITAL ONE HAD MY PERMISSION TO RECORD IT. I WOULD LIKE THE ENTIRE TRANSCRIPT TO BE SENT TO ME. I AM LOOKING AT RUNNING FOR XXXX XXXX COUNTY SUPERVISORS RACE IN XX/XX/XXXX AND WOULD LIKE TO KNOW IF CAPITAL ONE IS ABUSING 12 MILLION IN XXXX XXXX COUNTY

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a Barclay card, but for some reason they had me as i had 2 Barclay cards. When I realized I was paying along ( always on time ), and not knowing there were 2 cards which I did n't apply for, I tried many times to contact them and no one would get back to me nor they were reachable. They went ahead and reported me on the credit bureaus as both being late ( adding astronomical unknown charges ) and now they have ruined my credit ... ..they are not cooperative at all, and I need them to remove such negative items from my credit reports!

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 07/21/2017 about Debt collection (Private student loan debt) with DISCOVER BANK (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: A few months ago, Discover Student Loans required my profile to include my employment information. No other contact information was changed. On XXXX XXXX ,2017, they have now used that information to email my work regarding my loan. Just today XXXX/17 someone tried to call my employer. I believe that they wanted to get my employer info to reach outside of the information they already. I am requesting that Discover Student Loans be fined both both inappropriate contacts on the dates provided. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a cash-out refinance through JPMorgan Chase on XXXX/XXXX/XXXX. My conversation was always a cash-out refinance based on what I could do in relation to the Loan to Value. My credit was run and I was provided a loan estimate at 3.625 % interest with XXXX points and {$640.00} in Origination Charges and showing a rate lock until XXXX/XXXX/XXXX. I was told to provide documentation which I sent via their web portal which would not upload, so I faxed documents and finally mail delivery. The Loan Officer confirmed my loan was in underwriting. On XXXX/XXXX/XXXX I received a loan estimate in the mail at the same interest rate but 1.5 % points in Origination Charges plus the {$640.00} previously mentioned with a rate lock expiring on the same date XXXX/XXXX/XXXX. I also received a corresponding rate lock agreement but it did not match the Loan Estimate as it reflected a 3.625 % interest rate but only .5 % point Origination Charge. I asked to speak to a Manager as nothing adds up and this is not what we agreed upon but after emails and calls, I did not have a valid explanation. On XXXX/XXXX/XXXX, I receive another Loan Estimate showing my loan amount has been increased by approximately {$46000.00} in addition to the 1.5 % origination points still being charged. I contacted the Loan Officer after receiving this and she informs me I did not get my documentation in on time so they cancelled my rate lock and that is why 1.5 % points are being charged and I must sign the rate lock agreement or risk further rate adjustments. I signed it on XXXX/XXXX/XXXX not knowing what else to do. This is one month after I provided what was asked of me with their claim being they did not receive it in time which is a flat out lie to cover repeated missteps on their part. I received a call yesterday XXXX/XXXX/XXXX, stating that now there will be XXXX points charged on my loan because I am subject to worst case pricing, whatever that means, for which the Loan Officer could not explain and the Manager still will not return my calls to explain why. She should not be licensed if she can not explain this to the consumer. I have yet to receive the Loan Estimate for this change. JPMorgan Chase and their representatives have had the scenario ; my financials and my credit score for almost 2 months plus the appraisal came in {$75000.00} higher than where we anticipated it so they can not claim the Loan to Value was higher so the fees changed. I feel clearly this is the type of banking behavior that Dodd-Frank was supposed to protect consumers against and that this is complete misrepresentation and bait and switch tactics so this is the purpose of this complaint. Thank you for looking into this matter. The Loan Officer is XXXX XXXX XXXX XXXX and the Manger XXXX XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHARLES SCHWAB CORPORATION, THE (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  XXXX  on  XX/XX/XXXX   he did n't find the account numbers listed no reslove

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 08/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WESTERN UNION COMPANY, THE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying a third party to submit my mortgage payments to pay off the loan faster and save me interest. XXXX XXXX through Western Union is charging a fee of {$2.00} per payment and probably another joining fee, unbeknownst to me. I want to quit being fleeced by XXXX XXXX and get my money back. They are not entitled to any money they have collected from me in over 16 years. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter Warfield is a debt collector that purchased a debt from XXXX, an apartment complex in XXXX. In XX/XX/2016, they fraudulently placed a collection account on my credit reports. Upon obtaining the account documentation from Hunter Warfield, it was clear that the account was fraudulent, and not only did I not ever owe XXXX ( and accordingly Hunter Warfield ) any money, they actually owed me money. However, my attorney made Hunter Warfield an offer of settlement - remove the collection from my credit reports, and I would not pursue recovery of the funds owed to me ( plus attorneys ' fees ). 

Although Hunter Warfield never responded to my attorney 's numerous emails and calls, they did remove the account from my credit report. Now, more than 6 months later, they have re-reported the same debt, which they know to be both fraudulent and non-collectible. This is a clear violation of both state and federal debt collection practices, and is only an attempt to extort me for the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I received a letter from Fay Servicing informing us that they had acquired our loan from XXXX XXXX XXXX ( loan # XXXX ). 
The letter advised us that the first payment was due XXXX/XXXX/XXXX in the amount of {$1500.00}. Our payment had already been made in the amount of {$1500.00} which has been our payment since the loan was modified XXXX/XXXX/XXXX, never missing a payment and never late. 
I was assigned a contact manager with Fay Servicing by the name of XXXX XXXX. Phone # XXXX XXXX XXXX, email XXXXXXXXXXXX. I immediately contacted him by phone and fax as his email came back as undeliverable. 
I explained to him that our payment had been sent and received in the amount of {$1500.00} and asked why the increase in the payment. He told me it could be due to insufficient escrow. I advised him that our escrow payment was {$5900.00} per year and that our actual escrow amount was less than the paid amount. He suggested that I pay the difference of {$40.00} which I did ( confirmation # XXXX ) on XXXX/XXXX/XXXX. 
Our payment of {$1500.00} was returned to our bank on XXXX/XXXX/XXXX due to an invalid account number after receiving and processing our XXXX/XXXX/XXXX payment. 
Fay Servicing mortgage statement of XXXX/XXXX/XXXX shows payment of {$1500.00} was received but in " suspense ''. 
At this point we are not sure how much our payment is or if we are past due so we made a phone payment XXXX/XXXX/XXXX of {$1500.00}, tracking # XXXX. 
XXXX XXXX has suggested we ask for an escrow analysis which will take 30 to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Financial Credit Service, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company is trying to collect a debt amount that is much higher than debt actually owed. Attached is the documentation. I was also never served at my current address and my paycheck started to be garnished with no warning or summons issued to me.

Company response to consumer: Closed with explanation