milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Money was not available when promised

Complaint: This company keeps saying money is available when it says either rejected or above the limit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citi Bank has called me a minimum of 3 times ( sometimes up to XXXX ) every day since XXXX XXXX. I realize that I do have an outstanding debt, but lost my last job after a medical issue and started another in the beginning of XXXX. In the time that I have been awaiting my XXXX paycheck ( so that I can pay them ) I have received calls every single day while I try to go about my life and do well in a new profession. 
I called them and was told that it is perfectly legal for them to call me that frequently when I owe them money, but I do not believe that is the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2017 about Debt collection (Medical) with CRA Collections, Inc (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX billed me almost {$14000.00} without ever sending me one statement regarding what I owed them and why. They turned the alleged debt over to a debt collection agency who never communicated with me regarding what was allegedly owed and why. I discoverered this while reviewing my credit reports. I never received any correspondence from XXXX XXXX of the collection agency. I was never given an opportunity to mutually agree on a plan before it was turned over to collections and reported to major consumer credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 09/22/2016 about Debt collection (Payday loan) with WLCC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: As below : they acknowledged my request to not call my place of business and then called this morning and violated that.I have a voicemail to prove that. 

********************************************************************* You have now violated my request and called my place of business again. I know that you can be fined for this. If I have to get a lawyer I will. I am not allowed personal calls at work. Cease and desist. 


From : XXXX Collections & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : RE : ArrowheadAdvance Message ( response ) XXXX XXXX XXXX As you can see we received your email, and will stop the calls to your employer, but what I needed to know is what are you disputing we have a signed contract on file. If this is just something financial then please let us help you. By telling us not to contact you and that you are disputing the loan only makes it more difficult for me to help. If you can please give us a call at XXXX. 

Best regards XXXX XXXX collection Manager XXXX ext XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Im writing about the interest charged on XXXX. Ive contacted the Company several times asking them to waive the interest fee of {$68.00}, as it is the first time Ive ever not made the full statement balance payment. Every time they say they cant. That there is n't an 'offer ' on my account. Not sure what the big deal is. Ive been a very good customer. 
Id like it waived in part because as I explained ; this month, Id have to move money around to pay the minimum balance, which has gone up to {$100.00} for some reason not explained to me. Usually it is {$25.00}. 
Oh and while Im at it. I asked them to change the due date, which I see has not been changed. I talked with XXXX about that, via the Company 's online chat and he said he was making it happen, changing it to the XXXX I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Federal student loan) with SIMM Associates, Inc. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX is apparently handling a federal loan and are refusing to work with the payments that I can afford. I can not afford more than {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I am a single mother of XXXX boys. I work hard everyday and live paycheck to paycheck and for years, BBT has been charging me with overdraft fees when a deposit or direct deposit has been made. I have been told that all debits come out first before credits and have tried numerous time to have my fees refunded. I have started taking screen shots with my phone to keep check on my account and have taken my phone to show these screen shots of my account to be told that debit comes out first before credits. I have talked to numerous people that bank with BBT as well as comments left online from other people that bank with BBT that they are gouging people with fees. I am at my wits ends and feel so used by my bank institution. Just so sad and disappointing that these banks feel that they can charge fees left and right from working class people who struggle to make ends meet and some of those are single parents.

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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This relates to activity of the XXXX and Wells Fargo Bank. The bank put a garnishment of over XXXX dollars since the XXXX wrongly claims that I owe them back taxes. 

My accountant submitted documentation to the XXXX in XXXX related to a claim from the XXXX that back taxes were owed. 

Four subsequent attempts to contract the XXXX went without response. The XXXX filed some erroneous claim with Wells to garnish over XXXX in a bank account. 

The bank initiated a pending transfer of over XXXX in favor of the XXXX without any notification to me. 

The XXXX as a financial organization, may be outside your purview. Yet they are wrong and their failure to communicate with me/my accountant on a timely and professional nature is poor service, and just wrong. 

Then, their claim to Wells to capture my funds AND the bank 's agreement to effect the transfer without notification to me is collusion in a fraud to wrongly expropriate personal property. 

They should at least send some sort of communication to notify of the action with a period of time to cure default. 

The fact that there was no default, since taxes ARE NOT DUE to XXXX in California is faulty government service and perpetuated and aided wrongly by Wells. 

To further my own aggravation, as this is a CA tax issue, the Wells Office for Legal Order processing was closed at XXXX CA time. Whereas probably not technically illegal, it sure is poor customer care, but what should I expect of an institution that is fined over XXXX XXXX for the way it handles customers. Not the point of this complaint. 

My complaint is that Wells is complicit in wrongly expropriating my funds and is not responsive to inquiry to resolve this, ie talk to them. 

Also, you should look at the customer care offered by the XXXX XXXX XXXX. To let five inquiries of follow up on an open case go unanswered, in spite of the professionalism and completeness with which support dox to the contrary of XXXX contention is just wrong. Maybe since the documentation countered the position of XXXX just caused them to conveniently overlook the submission and not respond.

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 07/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent a wire transfer in the amount of {$8000.00} to coinbase on X/XX/17 as instructed on their website. however, I still have not received on my wallet. When I sent emails, their response was I did not do the verification to receive wire transfers. So I checked my account, there, I did verification twice using my DL. They said that money should reverse it back to my bank account if it does n't go thru their system, but it 's been almost two weeks since i had last email. They do n't even reply back to me regarding this issue. I do n't even see a pending messages on my account. this is online bank statement -- - > email : XXXX Amount : XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX > Edit Description > activity type transfer > status type icon cleared > Cleared. Select to mark activity type transfer XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX as Reconciled XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is trying to collect a debt for XXXX and I have no business with neither one of them nor have I ever. 

Ive requested proof of this debt and rep told me she do n't have to provide it ; Ive never used XXXX before in my life!

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 10/23/2017 about Debt collection (Other debt) with Mary Jane M. Elliott, P.C. Attorneys At Law (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On Friday XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX XXXX. took out of my XXXX XXXX checking account as a Wage Garnishment XXXX without my approval for an old XXXX furniture loan debt that I had opened back in XXXX. This debt is over XXXX XXXX XXXX, and I have not had any communication with this debtor or any third company at all since XXXX. On top of that I called today XXXX XXXX, XXXX and spoke to XXXX and they confirmed that they no longer have record of this debt in their system and that this debt was sold to XXXX XXXX XXXX back on XXXX XXXX, XXXX. So, this tells me that XXXX XXXX XXXX XXXX have sold an 'old debt ' to Attorney XXXX XXXX XXXX XXXX XXXX XXXX and she went ahead and garnished my wages without sending me notification of this debt, without filing a judgement against me, nothing. She violated my legal rights as a consumer on numerous things, not giving me written notification of this debt so that I can attest if this debt is mine, also since this debt is over the XXXX of limitation for the state of NC which is 3 years in NC which is where I reside she ca n't file a judgement against me so she can not legally file a judgement against me, not only that she garnished my wages on a debt that is over XXXX XXXX XXXX which is another violation of my consumer legal rights. I am requesting that this attorney gives me back my money of XXXX} and writes me a check and mails it to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX NC XXXX or I will be forced to take her to court for XXXX violations. Please, help me resolve this matter at your earliest convenience. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: An old XXXX account for {$85.00} keeps appearing on my Equifax and other credit reports. I have it removed from XXXX report only to see it re-appear under a different debt collection agency. Previously, it was XXXX. Now, it is XXXX XXXX XXXX. I disputed this account with Equifax and the said it was valid. It is absolutely not valid and they will not take further action. I want this XXXX account to go away forever.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Checking or savings account (Checking account) with BANK OF THE WEST (UT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account on XX/XX/XXXX under a promotion where I was to receive, by XX/XX/XXXX, {$100.00} for setting up a direct deposit and {$50.00} for for using my new debit card. I received the {$100.00} for the direct deposit but never received the {$50.00} for using the debit card. The fine print of the {$50.00} bonus was that I needed to use the debit card to make 10 debit card purchases of at least {$3.00} each for two consecutive months following the month after my opening deposit cleared. <P/>I believe I have met the terms of the promotion. My {$500.00} opening deposit cleared onXX/XX/XXXX. I used my debit card at least 10 times for purchases of at least {$3.00} each for both XX/XX/XXXX and XX/XX/XXXX. Several weeks ago I discussed this issue with a customer service agent where he said he believed I had met the terms as well, and said he was going to submit a request for me to get the {$50.00} bonus and I should receive it in 3-5 business days. That time came and went. I called again and a customer service agent was very dismissive and just kept saying I would receive it by XX/XX/XXXX. That did not happen. I called once more and the agent said he would submit a request, but had no idea what the time frame would be, who would contact me, or when. <P/>Because I believe I met the terms of the promotion, the terms explicitly stated I would receive the bonus by XX/XX/XXXX, it is after XX/XX/XXXX and I have not received the bonus, and claims made by representatives from the bank have turned out to be false time and time again, I feel like I have no choice but to file a complaint.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my XXXX XXXX, Equifax, XXXX reports. I have not access my credit file since XX/XX/XXXX or XX/XX/XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a credit card with Army Air Force Exchange Services ( AAFES ) in XXXX. In XXXX I was separated from service with the XXXX XXXX with a debt I could not pay and I remained unemployed until XXXX. The debt was sold to XXXX XXXX XXXX in XXXX while simultaneously Treasury Offset was initiated by AAFES. Recently ( XXXX ) I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX telling me that the balance that I owe was several thousand over the initial debt and that XXXX was attempting to garnish my wages. I contacted AAFES to provide me with the initial debt amount, I was told by a representative that they did not have that information. AAFES has collected my tax returns since XXXX leaving me with nothing and has allowed XXXX to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted XXXX for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because AAFES is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I took my car for transmission to a mechanic by the name of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( COPY ATTACHED ). they told me they can fix the problem on my car and they give an invoice in the amount of XXXX which i had paid for it with my chase credit card knowing if they could not do the job and having difficulty with this company i can contact chase and have them take care of it for me. week after XXXX XXXX XXXX XXXX XXXX contacted me and notified me my car is ready and i can go pick up my car. immediately after i picked up my car it broke down and we had to towed the car to them, few days later i got a phone call that my car is ready the same thing happened my car was not working and had to towed the car to them, again and it happened again after picked up my car for the third time which i decided this time to take it to another mechanic called XXXX XXXX XXXX and this people charged me {$2400.00} and they fixed up my car which i do not have any problem with it. I contacted the XXXX XXXX XXXX XXXX and asked them for a refund and they refused to refund my money back but they told me bring the car back and we fix it and i told them no thanks. Chase send me a paper to fill out to get my account credited after i filled up the paper works they told me they can not credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with Scheer, Green & Burke L.P.A. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, XXXX. I was taken to XXXX XXXX XXXX hopsital i was in pain but did not know what happen next thing i was told I had a XXXX XXXX that need it emergency XXXX but they needed to put me on XXXX for 2 day and XXXX for pain the medication i was given was very strong. i was completely out i can not remember nothing after the day i got there.they perform XXXX i was in the hospital for 10 days. 

You see my insurance at the time will pay ofter the 6 day 100 % for semi private rooms. while at the hospital and under XXXX XXXX I did not know nor was i ask to be put on a private room i have try to fight this with the hospital and XXXX did not help me at all. so i was told I had to pay the bill i told them since I am XXXX and with Social Security all i can pay was 10 to 20 dollars a month they agreed. so i have being paying on it. 

They i started getting call by XXXX XXXX XXXX from a collector telling me that the hospital refuse my payments even do they got the money and i had to pay the whole bill now i got a letter from an attorney asking to pay the full amount or they are going to press charges against me. the Law firm i got the letter from is Sheer, Green, & Burke, CO. L.P.A.they are base out of XXXX Ohio . I live in Texas. Their customer is XXXX XXXX XXXX XXXX XXXX TX can they take me to court or arrest me for this? and I was also told they are going to damage my credit. 

I do not what to do. 

XXXX XXXX XXXX XXXX XXXX 
XXXX TX XXXX

Company response to consumer: Untimely response
Consumer complaint received 12/29/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Citibank charged off my mortgage, after paying on time for 10 plus years, because they stopped the direct debit ach payment without notifying me, in writing, email, phone, or otherwise. When I finally noticed the payment was not being made it was too late. A collection agency has ownership of the debt, my credit score plummeted ( it was XXXX ), and there 's little, if anything, I can do.

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 12/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i was contacted by XXXX XX/XX/2016 stating they bought a debt from Capital one that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.

Company response to consumer: Closed with explanation