milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2016 about Payday loan () with Rosebud Economic Development Corporation (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I never received any documentation regarding my loan via email or mail. Every time I call to find out what I owe and how much will be taken out of my account I am told a different amount. I would like clear and documented information reguarding my loan. I took out a loan for {$500.00} and was charged {$150.00} for the loan. Two weeks later {$170.00} was taken out of my account. Although I was told on the phone it would be {$150.00} and then later told over the phone it was going to be {$160.00}. 

When I called today to inquire about the balance I was told that the balance was {$610.00}. And they would be taking {$160.00} out of my account in a week. The fact that I have no documention of taking out the loan interest and no documention of payments made to date towards the balance and remaining balance made me suspicious. 

I checked with the XXXX and consumer finance and could not get any information about this company Zoom to cash / Zoom direct. When I called my bank I was informed that the money was taken out of my account by Zoom Marketing. The use of multiple names, lack of documentation regarding my loan and failed attempt to legitimize this company has caused great concern. I am afraid that an illegitimate organization has all of my personal information and gained access to my bank 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 explanation
Consumer complaint received 09/15/2016 about Debt collection (Medical) with Senex Services Corp. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i entered the XXXX in XX/XX/XXXX for XXXX i was never asked for insurance or asked if my info was correct i was treated and released then XX/XX/XXXX i went to the hospital billing and asked why i have a {$2500.00} collection, the lady said after i was treated i " just walked out '' she said they ask for insurance after treatment, thats never happen like that before, so they bill a old insurance that i had back in XX/XX/XXXX not the current insurance i had at the time of the treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (ID).
Issue: Other service issues

Complaint: I purchased a Money Gram money order from my bank on XX/XX/2017, and sent it to XXXX TX that same day. The XXXX it made it to XXXX, but has been in transit and delayed ever since. I have been tracking it multiple times a day. I have been in contact with XXXX different post offices in that area. The lady that was to receive the money order from me has went to the post offices every day for the last 4 days and has opened a claim on the missing mail. I have been in contact with Money Gram headquarters to see what my options are. They told me that it has to be missing for XXXX weeks before I can submit a claim for a refund. In the meantime if someone fraudulently cashes the money order, I am out the XXXX. The also told me that it would take them minimum 20 days from the time they receive the claim to process the refund, if they decide to give me a refund at all. They also told me that once the claim has been submitted, and someone fraudulently cashes the money order during this time, I am out the XXXX. How are these people in business with no FDIC insurance or any sort of insurance?? They also told me that they would not put any hold or stop payment on the money order so that it can be cashed at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the  consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (I do not know) with SRA Associates, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have made multiple request to SRA Associates to quit contacting us as this is not our debt. This has become borderline harrasment and they are looking for an individual that does not live here.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Rewards

Complaint: Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I have had a credit card and personal and business checking/savings account with Chse for several years. I was XXXX on XXXX XXXX, 2016 and while in XXXX my identity was stolen and all my funds were drained out of my accounts and my cards were maxed out. I was recently XXXX on XXXX XXXX and now Chase is refusing to do anything to restore my lost funds or fix my credit because I did not report the fraud fast enough, but since I was in XXXX there was no way for me to know this was occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: Bank of America opened a credit card account in my name without my authorization, at the same time I opened a checking account with 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 08-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Within the last month Equifax is allowing inaccurate and reinserted information to appear on my credit report. Not sure what is going on but they are damaging my chances to purchase a home. See Attached reports. XXXX report is from XXXX/XXXX/2015 and the XXXX is XXXX/XXXX/2015. The most recent report shows XXXX duplicate listings for $ XXXX and a public record all of which were deleted 3 years ago. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (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: We made many transactions during month of XXXX, so there were a lot of returns and purchases, so once we received the bill, we called the Citibank card to speak with the agent and asked what is the amount to pay for the full amount the balance till the due date XXXX/XXXX/XXXX, the agent said {$2700.00}, so we paid exactly the amount, when the month of the XXXX bill came, we found out there were {$23.00} interest charge, We called Citibank right away, spoke to the agent, interest amount {$23.00} was waived, then we asked the amount to pay the full bill again, was told {$2200.00}, again We paid the amount of {$2200.00} so we thought there are no any balance till XXXX bill comes, then again XXXX bill came there were only {$570.00} purchase we made the amount of the bill is {$1400.00} include {$40.00} interest charge, XXXX Citibank right away till now still cant get the problem solved, the agent claimed {$1400.00} is correct but could not explain where the extra amount came from, and refuse to play back recordings of calls we had with previous agents. 
Also there is a {$200.00} dispute charge we had, with not any notice to us. Citibank sent us a letter stated the charge amount is valid transaction because " seller said the item has not been returned '', but in fact vendor provided unshippible return address as " XXXX '', we had been trying for 2 month to work with XXXX and XXXX to return the item without success.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my 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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but XXXX refuse to correct it or 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 explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: In XXXX XXXX I made a payment arrangement with Synchrony Bank who is representing HHGREGG to make monthly payments of {$23.00} because of financial hardship. The representative that contact me informed of the terms and asked if I would agree to automatic draft withdrawal. I agreed to the automatic draft withdrawal, I set the date with them and also made a payment for {$46.00}. They made an extra withdrawal out of my account and had to send me a check for payment. Fast Forward to XXXX when I receive a threatening collection notice advising I was not keeping the terms of our agreement and not making the monthly payments. I contacted the company discussed the conversation from XXXX and advised I assume the automatic draft was taking place since I had not heard from them since XXXX. The representative went through the same process again and stated everything would be handled. I 've been making the {$23.00} as promised monthly. In XXXX XXXX I started working with XXXX XXXX to get my finance in order and at an affordable amount. I advised XXXX of the agreement with Sychrony and asked if they would send a proposal and make sure the {$23.00} payments was made to them timely. XXXX agreed. Several proposal for {$25.00} has been sent to Sychrony and have declined to the agree of {$23.00}. I continue to send them payment every month for {$25.00} however, Sychrony is not keeping their promise. They continue to send me collection notices and charge me late fees. They have even affected my credit score even more by reporting me being late every month. I am request that Sychrony be required to keep the promise we made for {$23.00}, remove the negative reports from my credit account from XXXX XXXX XXXX and agree to allow XXXX to continue to work on my behalf and accept the proposal.

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 04/13/2017 about Debt collection (Payday loan) with CASHCALL, INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was cleared in chapter XXXX - they have been told repeatedly since they started calling me after I completed chapter XXXX in XX/XX/XXXX/XX/XX/XXXX that it was included and it was illegal for them to try and collect. They have harassed me on and off since and would stop when I threatened legal action last year. Now they have reported to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I took out a car loan, through Bank of America in the amount of nearly {$30000.00} around XXXX XXXX. The car was repossesed by Bank of America in XX/XX/XXXX, with a balance of about {$18000.00} remaining on the loan. Bank of America auctioned off the vehicle for about {$20000.00}. Now, XX/XX/XXXX, their so called collections department claims that I owe them {$10000.00}. Go figure that. To add insult to injury, XXXX of the crooked collectors, went into my account on XXXX XXXX, XXXX, with no authorization on my part and took ( stole ), my entire pay of about {$2000.00}, for a car loan that should have off set to XXXX balance, when the vehicle was auctioned off in XX/XX/XXXX. This is an unscrupulous collection practice to say the least. When I tried to dispute the action, I get reminded of some disclosure, that most people with XXXX vision probably need a magnifying glass to read. In the meantime, I am out of {$2000.00} for the month that a conniving, thieving agent of Bank of America stole from my account on XXXX XXXX, XXXX without any authorization, nor consent on my part. Unbelievable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I incurred fraudulent charges XX/XX/XXXX and contacted XXXX XXXX right away. XXXX XXXX has since moved their Costco Members to Citi. I had to inquire with Citi on the same charges which I did XX/XX/XXXX as they had not been removed. I was then notified in XX/XX/XXXX that the dispute was not resolved in my favor. Not sure how this is possible as it clearly states I have no liability for fraudulent or unauthorized charges, and that is exactly what these charges were. I have since been charged interest twice on these charges and had to reopen my case which according to them is a new case that just started a couple days ago, when in reality it has been months. Mean while they continue to report these charges, along with interest to the credit bureaus and I get to take a hit to my credit every month they go unresolved. I have never accrued interest in the 15 years I have had a credit card and I have never carried a balance in 15 years so this is quite upsetting. I continue to not get answers and every time I call to inquire its like I had never made a call to them before. They continue to diminish my credit as a consumer and I have n't even used their card ( as they say its in the mail but it has been two months ).

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 06/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I ordered the sofa and paid {$590.00} for it at the website of XXXX XXXX on XXXX XXXX, 2015. But the sofa is an unqualified one. I contacted the merchant that the sofa was creaking when I sat against the back by email on XXXX XXXX, 2015. Later a repairer came to fix it but the problem still exists. Then I found some new problems that the XXXX pieces of fabric have n't been stitched together all the line near the wood frame. It is outrageous! XXXX made the sofa perfunctorily.You can see the white polyester fiber filling. I contacted the merchant many times but they did n't care about it and is planning to shirk responsibility. My credit card issuer American Express ca n't protect the cardholder. According to Fair Credit Billing Act, I do not have to pay the money. So the unqualified and defective sofa should be returned and the total amount money {$590.00} need be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Payday loan () with ACE CASH EXPRESS, INC. (SC).
Issue: Charged fees or interest I didn't expect

Complaint: I keep getting harassing emails and phone calls from a loan company. I attempted to pay them back several times but they will not send me any paperwork in the mail of how much I have paid or owe. The amount that they want me to pay is hundreds over what I borrowed. They threaten me with jail, court summons, and all kinds of legal actions.

Company response to consumer: Closed with explanation