milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for a payday loan at ACE cash express and when I proceed with the application they did not tell me that they have to do a credit check because in the yellow pages it said no credit check but they are doing false advertising and if you applied several months or ago they will not ask you have any of your information has change they just give you a denied letter going off some old information and then storing your information so if you come back to reapply they still have your information they are not suppose to keep your information in their database because information on your report change over the months and years. They just do n't take out time to update their system so it can have the information up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: WENT TO XXXX XXXX CHASE BRANCH, BRANCH # XXXX. THE CASHIERS NAME IS XXXX AT CHASE XXXX XXXX. THE TIME I WENT IN AT WAS XXXX COUNTED THE CASH TO BE DEPOSITED TO A CREDIT CARD AS PAYMENT AND IT WAS {$6000.00} WHEN I ARRIVED AND HANDED THE TELLER THE MONEY SHE FED IT THROUGH THE MACHINE AND IT SAID {$5000.00}. I FELT PRESSURED AND ANXIOUS AS I DO NOT WANT TO COUNT THE MONEY IN THE LOBBY OF A BANK. SHE DID NOT HAND COUNT IT. SHE ONLY FED IT THROUGH A MACHINE. I COULD NOT PHYSICALLY SEE THIS BECAUSE THE COUNTER IS SO HIGH. AND THERE IS A BULLETPROOF GLASS. 

IF A {$1000.00} WENT MISSING IT MUST BE AT MY HOUSE SINCE I LIVE XXXX CITY BLOCKS AWAY AND WENT DIRECTLY FROM MY HOME TO THE BANK. 

WHEN I LEFT THE BANK TO CHECK MY HOUSE AND MY HOUSE WAS EMPTY I PROMPTLY WENT BACK. AFTER SPEAKING TO THE BANK MANAGER SHE SAID SORRY. WE RECOUNTED AND THE DRAWER IS COMPLETE AND GAVE ME A DESCRIPTION OF THE DEPOSIT. WHEN I ASKED IF THERE WERE CAMERAS SHE SAID NO. WHEN I THEN ASKED IF THERE IS A CAMERA THAT WATCHES THE TELLER, SHE SAID NO. WHEN I ASKED TO SEE THE TAPE SHE SAID NO AND STATED HER TELLERS DO NOT STEAL. WHEN PRESSED FURTHER AS TO WHAT PURPOSE THE CAMERA SERVES SHE SAID TO SHOW TRANSACTIONS FROM CUSTOMER TO TELLER, BUT THEN NOTHING IS SHOWN TO PROTECT THE CUSTOMER FROM A TELLER STEALING SINCE THERE IS NO TAPE OF IT. I MADE THIS POINT CLEAR TO HER. 

THIS DOES NOT SOUND CORRECT. MOST BRANCHES I HAVE EVER BEEN TO HAVE CAMERAS TRAINED ON THE CUSTOMER AND TELLER SHOWING THE TELLER 'S ACTIVITY. SHE TOLD ME HER TELLERS DO N'T STEAL, ETC ETC. BUT HOW CAN THIS PROTECT THE CONSUMER? IF THERE ARE NO CAMERAS ON THE TELLER THEN THE TELLER CAN SAY WHAT SHE WANTS AND PUT INTO THE CASH DRAWER ANY AMOUNT SHE WANTS. I REFUSE TO BELIEVE THIS AND I DEMAND AN INVESTIGATION INTO THIS. 

I REFUTE THIS CLAIM AS XXXX DOLLAR BILLS DO NOT GO MISSING ON ITS OWN. I FEEL AS IF THIS TELLER MISCOUNTED MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Delinquent account

Complaint: non payments reported, payments made thru auto pay. Have reported, waiting for response .Consumer reporting agencies have all information

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AVANTE (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX has a collection entry added to my credit reports. But after further research, I have learned this collection agency is not licensed to collect in my state. In the state of Louisiana, debt collectors are required to be registered in order to collect. Also, I have never received any type of notice from this company in reference to any bill. I had absolutely no knowledge of this company until they added an account to my credit reports. Since they are not licensed in Louisiana, they are now in volation of the law. Therefore, I am now demanding that this company delete all of their entries from all three of my credit reports. Their reporting has led to serious damage to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received several fraudulent e-commerce charges on my Kohl 's card and promptly called the company to report all of them as fraud and have them removed from my account. I spoke to  XXXX  on  X/XX/17   . The charges were as follows : ECOMMERCE PURCHASES #  XXXX  {$18.00} ; #  XXXX  {$5.00} AND {$110.00} AND #  XXXX  {$5.00} AND {$99.00} PLUS ALL OF THE INTEREST ON THESE FRAUDULENT CHARGES.   I then received a generic letter dated  X/XX/17    that my dispute was received and it was being investigated. In the meantime, I was expected to continue paying on these fraudulent charges. I then received a letter dated  X/X/17    that part of the monies were removed, {$26.00} and have been waiting since then for the remaining credits. And, still being billed and paying for these fraudulent charges.   On  X/XX/17    I sent an email to Kohl 's via their website advising that I was still waiting on the additional charges to be removed and would file a complaint if they were not received. I received a generic email back stating I needed to call, again, to get " more information ''. I just spent over 10 minutes out of my work day to try to reach them yet again to tell them the same thing and could not wait on hold any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Non-Response from Documents supplied

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 09-09-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is in reference to the Independent Foreclosure Review paying agent - GMAC Mortgage. My mortgage had been through GMAC Mortgage but they forced me out of our house after calling it home for XXXX years. Apparently, my ex-husband wrote to the Independent Foreclosure Review and asked that the payment be " split '', so they cut him a check for 50 % of the payout. XXXX XXXX tells me they have no checks or procedures to confirm the legitimacy of the request ( XXXX XXXX, so they simply do as they 're directed - by WHOMEVER gives them direction - in this case, my ex-husband who was looking to be wrongly compensated on a property he 's had NO LEGAL rights to since vacating the property in XXXX. He has NO LEGAL RIGHT whatsoever to receive anything from the property. It was written in our Divorce Decree that the divorce documentation would serve as legal documentation should he fail to sign a quit claim deed XXXX anticipating his lack of cooperation even back then XXXX. I paid to have all documentation notorized and recorded with the XXXX XXXX XXXX office. 

I have contacted GMAC Mortgage XXXX who thinks I still live at the property in question ), and they will take absolutely no ownership of the foreclosure payout. I have spent months trying to get this resolved through GMAC, XXXX XXXX and even the Attorney General 's office. Since the Attorney General 's office notified me that they can not be of any help, I have tried the Office of the Comptroller of Currency, the Federal Trade Commission and now, I am trying to resolve the issue through your office. I submitted a claim ( initially ) against the Independent Foreclosure Review, but after a week XXXX, I was notified that a claim can not be filed against them ( would have been helpful to have been told this while speaking by phone with a CFPB representative XXXX. No one claims to have the knowledge or ability to resolve the situation and correct the payout, paying me what is due me. 

I am attaching the divorce documentation I am referencing as well as a copy of the letter sent on behalf of the Independent Foreclosure Review - by XXXX the Paying Agent. 

GMAC should have provided correct, up-to-date payout information to the IFR and XXXX XXXX, XXXX Their record-keeping is and was so poor, they failed to note that my ex-husband had NO LEGAL RIGHTS to the property as of 1999. When I tried to resolve this issue through them, they showed I still resided at the property they foreclosed on. They should be held accountable for wrongly processing my foreclosure and additionally, wrongfully paying someone that should not have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I need to deposit a house insurance check in the amount of {$12000.00} to my Chase account and they are refusing to accept it because they say ( 1 ) the amount is too large, over {$10000.00} and since it was issued to my husband and myself and XXXX XXXX XXXX ( the XXXX company I hired ) and XXXX, and duly endorsed by all parties, Chase 's internal rule indicates that the check must be deposited to the business account holder in detriment of their own personal clients ( my husband and myself. ) Chase gave me two suggestions : ( 1 ) return the check to the insurance company with the endorsements and ask that they issue a second check only on behalf of my husband and I, or ( 2 ) have the check deposited in the XXXX ' banking account. Either of their solution is unacceptable to me as it exposes me to credit risk since ( 1 ) the insurance company may actually reject the check since the money was deposited by a third party and not the insured and ( 2 ) the fee to the XXXX is only {$2400.00} for which I already issued and delivered a check. By having the company deposit the check I need to wait for their bank to clear the balance of {$9600.00} which exposes me to the credit risk posed by the XXXX company for a week or so. Additionally, if my bank can stipulate what kinds of checks it can receive in the branches for small amount of dollars or any other internal rule, they are not doing their basic job of clearing checks! I have been a banker all my life, most recently as a Banking Center Manager at XXXX XXXX XXXX, and can not understand how a duly endorsed check, including with a signature guarantee on the part of the XXXX bank can not not be processed by the banking system. What would happen if I had a check issued for {$20000.00} with another payee such as a mortgage company as Chase wants, where would I deposit this check? Is this not the most basic of services a banking institution should provide? I am attaching the settlement agreement with the insurance company and my written communication with XXXX as well as the fully endorsed check for your review. I can not believe that even if this is once-in-a-life-time occurrence I do n't have a bank to deposit this check because of some internal rules of an institution with a charter approved to operate as a bank. An additional and final note, in speaking with a personal banker at Chase who was consulting over the phone with her back office manager, I was informed that if I had a Chase mortgage things would be different ... Is that so? I am being held hostage by my own bank for a simple banking transaction without a logical or reasonable explanation. The Consumer Financial Protection Bureau should not permit banks such intrusive and arbitrary internal rules which destroys the very reason why a bank exists.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: I got into a contract for a house in XXXX, realtor name XXXX XXXX on XXXX/XXXX/15. 
XXXX strongly recommended his loan agent XXXX from Citi Bank ( XXXX ID : XXXX ). 
I talked to XXXX for couple of minutes and we set a time to go through numbers and rates and see if he can do the loan ( while I was in the deciding period as to whom I will use as a lender ) on Saturday XXXX XXXX at XXXX. ( See Screen Shot # XXXX below ) XXXX missed that appointment, then we made another appointment the next day on Sunday XXXX XXXX which he missed again. ( See Screen Shot # XXXX below ). In other words we never got to talk until appraisal. 
Surprisingly, the realtor sends me an email same Sunday morning at XXXX ( See Screen Shot # XXXX below ) that the appraisal is at XXXX the same day. At that point I had not even talked to XXXX and not even selected him as my lender, he has not even gotten my permission to proceed, he has not even disclosed if and what it will cost for appraisal. It was a surprise for me and the realtor was in on it. I did not check his email until XXXX Sunday morning and at that time appraisal was already done. ( See Screen Shot # XXXX below ) As a result of this action, he locked me to work with him only as I did not want to jeopardize my house purchase but unfortunately, he was not able to perform and I had to cancel the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my report.

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 07/26/2016 about Debt collection (Credit card) with Cooling & Winter LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed my credit report with experian. I realized that I was a victim of identity theft and disputed accounts listed that were not authorized by me to them. Experian has refused to remove a fraudulent account that was listed on my report after sending verifying information showing that the account did not belong to me. I tried again disputing this fraudulent account and they have told me that I am no longer authorized to dispute this account because it was verified by the company. I contacted XXXX XXXX on XX/XX/2017 and spoke with a supervisor named XXXX and he conducted a search and nothing came up using my social or name. I was asked to fax over information ( social, utility bill and DL ) the company used this information to update this fraudulent account.

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 11/16/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Transaction issue

Complaint: I was woken up by a phone call from Synchrony bank XX/XX/XXXX. I did catch the name but he was harassing me on why I have n't made a payment and I told him that I been short on funds and will try to get some out of my XXXX plan. His response was " fine then you 'll make {$1500.00} '' and I said no maybe {$800.00} or less depends on what I can get out of my XXXX. And I only owed {$200.00}. And he said " you will have {$800.00} or else. '' Then by XX/XX/XXXX, {$800.00} was taken out without my permission. Left me broke and could n't pay my other bills. I tried to resolve this through them but they told me it takes 15 to 20 days to look into it. 
I talked to a lawyer and he said to go through my bank to reverse the transaction. And to report them the feds for harassment and fraud. He also said it does not take 15 to 20 days to look into it. It means trying to cover their XXXX. The lawyer also said that I can sew but it 's hard if I got the money back.

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 04-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Dear Consumer Advocate, I am writing to escalate an issue I am running into with XXXX XXXX. My account opened under XXXX originally and in 2013 this company merged with XXXX XXXX. As a customer, I have never been late with my payments. In fact, I worked diligently to keep all my accounts in order to carefully build my credit back up after a Chapter XXXX dismissal. I had numerous technical issues after the XXXX companies merged, including not being able to access my online account for which I contacted Customer Service three times to help with this issue that kept recurring. With XXXX ( now XXXX XXXX ) and all my other accounts, I have reminder notices setup so that I could diligently make sure my payments were sent on time, for which I relied on. I did not use this credit card much, but last year getting ready for my wedding, I missed my XX/XX/XXXX payment. I never received a notice, thus I realized I was late because I had a credit reporting alert setup, for which XXXX XXXX reported to. My balance was approximately {$40.00}. Again, I had never been late with this company before. I contacted their Customer Service department immediately and the agent I spoke with understood, was very concerned and added a dispute code. She mentioned it was likely they could remove it because she did acknowledge all the system errors they had. I paid my balance in full immediately. Since then I am refinancing my home, and also trying to keep my finances as low as possible and making the best decisions, I realized that entry is still on my credit report. I 've written a letter to XXXX XXXX and spoke with XXXX agents who say there is nothing they can do and keep repeating the same thing over and over. This does not seem fair considering my costs incurred to refinance because I did not get my reminder notice I duly relied on -- especially at that critical time in my life. There should be some exceptions! The cost does not match the action per se. I would think as a consumer, and having been a very good customer, they would have acknowledged their system glitches and helped me out. After the last letter I received from them this week, I called this morning again and spoke to a 'supervisor. ' She finally admitted they did not have any alerts set on my account. She was the first person to tell me this after the merge from XXXX and all the technical issues I had. She says I should have known to reset all my alerts! I am very frustrated because I have been working very hard to build my credit back up. I am hoping your organization will be able to assist me in some way. Please advise. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation