milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Payday loan () with CURO Intermediate Holdings (FL).
Issue: Can't stop charges to bank account

Complaint: XXXX Missouri I took out a XXXX dollar loan at speedy cash in XXXX Tennessee I have a XXXX and I am on XXXX social security and they told me they would not lend me more than a XXXX dollars because of my XXXX I took the loan of a XXXX dollars and I went back a month later after I took the loan when I received my XXXX check and paid them the amount I owed to them.I have a receipt showing where I paid off this loan.It has been a year since I paid the loan and they are still taking money out of my s.s.i bank account they say I have a balance of XXXX and I paid that loan right after I took the loan out I am on XXXX and it takes everything that i get from s.s.i to live on.I am a XXXX also and this money that they claim that i owe is money XXXX and thing that i need to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with WESTERN UNION COMPANY, THE (MI).
Issue: Deposits and withdrawals

Complaint: This is an addition to an original complaint case # XXXX The $ amount first stated was in error. The correct shortage $ amount is {$36.00} Received $ XXXX from XXXX XXXX Trust from a XXXX Account on XX/XX/2016, deposited check on XX/XX/2016 to XXXX XXXX XXXX, XXXX withdrew {$600.00} from my account on XX/XX/2016 check cleared XXXX XXXX Trust and re-deposited to my account on XX/XX/2016 in the amount of {$560.00} XXXX XXXX charged an additional {$13.00} for XXXX XXXX XXXX for handeling but did return that fee after arguing the fee charge with them but denied any knowledge or involvement with the missing {$36.00}. After further investigation I have reason to believe Western Union Business Solutions have there hand in that missing money. I was not aware of any fee 's or deductions from the original {$600.00} there was NO explanation on the shortage what so ever and I did not agree to any fee 's associated with this. I want this money back. As far as I am concerned it was taken ( stolen ) from me illegally, not only do I want it back I would like to press charges against the perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Co allerted all XXXX credit bureaus that my home mortgage was not paid in XXXX, XXXX, and XXXX of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX is stating that I was 90 days late in 2012. However, from my recollection I was under forbearance and I should not have these negative mark on my credit report. I have sent letters requesting for my payment history which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Within the last week collection account appeared on my credit report. I have not or did not receive due process under the fair credit reporting act or fair debit collection act. i was not aware that this collection company had this account. Another company had it before them. It 's not fair that company buy debit from other companies then the new company immediately report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Auto) with Machol & Johannes, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted TransUnion several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.

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 03/26/2015 about Debt collection (Auto) with Universal Recovery Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted today and told I owe a {$70.00} debt for a cancellation fee on auto insurance that is over 2 years old. I was never contacted by the insurance company to collect the debt so I do not think it is valid. I requested that the company provide me proof that the {$70.00} charge is legitimate. They claim they have had the account since XXXX 2014 but they have failed to provide me with any proof of this amount and they have never previously contacted me. They said this will damage my credit score if I do not pay immediately but they will not provide me with any proof!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 10/21/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America has been trying to collect on a credit card debt that is over 10 years old. It was a debt that I could not pay at the time due to financial hardship. They have sold this debt to various agencies in an attempt to collect this debt. If I am correct this is against FDCPA rules and regulations. My current issue is that B of A has sold this debt to XXXX XXXX XXXX and XXXX XXXX XXXX at the same time, thereby causing harm to my credit ratings at a time when I have been paying my student loans. After I explained this to XXXX companies I received a letter from XXXX on XXXX/XXXX/15 and MCM on XXXX/XXXX/15 informing me that they will not pursue this issue any longer. My concern is that B of A will continue down this pass until someone puts a stop to this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to properly protect my PII data, compromising my identity and future creditworthiness. Their bad business practices demonstrate they should not be entrusted with this information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/XXXX my employer has sent {$120.00} through XXXX XXXX using my email address. 
XXXX supposes to be credited to my personal account with Bank of America. Unfortunately, I was never notified that the transfer had happened, and when I 've checked the money had not arrived. At first, I 've emailed to my employer to find out why did n't I receive that sum. In response, my employer provided me with confirmation of the transfer. I called my Bank asking where is money, but they said that XXXX needs to file up a claim to find out what happened. XXXX filed up the claim with Bank of America and discovered that my money went to the different account with my email address, meaning someone else who has an account with Bank of America registered my email address and the money was accepted by that account holder. I am disappointed because the service was not performed correctly and on the top of everything someone registered and used my personal data. In this obvious fraudulent case, Bank of America cited privacy/data protection laws and refused to tell me how was that account holder, who accepted my money. As a result, I could n't ask him/her for what 's truly mine. 

Then I 've sent an email to the Senior Claim Analyst at Bank of America asking to solve this problem, but the lady mailed me back saying that I need to contact initiating financial institution and so on ... Until now this problem is unsolved and Bank of America does n't seem to care. 


I look forward to your reply and hopefully a resolution of my problem.

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 07-03-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There were collection accounts added onto my  XXXX  credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Mortgage) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I.Q. Data International , Inc ; Collection company refuse to cooperate with my request for Debt Validation over and over again, ( illegal collection practices ) this is the info I sent them : Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. 
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 
Texas Finance Code Section 392.202 requires a debt collection agency or / and credit bureau to provide the alleged debtor with specific information concerning their debt including : Please dispatch copies of the following with your reply:1. The agreement which authorizes you to collect debt on the assumed debt. 
2. The signed agreement from the debtor confirming to pay the debt. 
3. The documents regarding the payments made on this account and validation of the amount. 
The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information I request that the debt collector and or credit bureau reply in writing to ensure that there is a record of all correspondence between myself and the collection agency. 
And they have fell to response to 3 letters, causing further harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My interest rate went up, when I was supposed to have a fixed rate. I pay through automation, so do n't login online hardly ever. The only communication I got was an e-mail to go in and look at my messages. It said a change in the interest rate but no details about up or down, so I had to call. 
When speaking to the rep, they blamed " XXXX bank '' since they bought the loans from them ( 4 years ago ). I also have XXXX loan with XXXX bank, and have no issue with them. If they own these loans, one would think they would be responsible to speak on them. 
I was set up for reduced payment plan, due to needing 1 month of assistance, but have been paying my normal owed the whole time. Due to paying " more than minimum, '' the rep claimed my payment wo n't be going up. I asked how not, if my rate went up a whole 1 %, and then the answer became, " well maybe not too much then. '' " Not too much '' turned into, maybe a couple dollars, then I figured out {$16.00} likely, which is not a couple dollars. I asked for the new minimum so that I could make bill adjustments accordingly and prepare, and they said they could not tell me my new minimum. So they are making it impossible for me to plan at all. 
I am going on maternity leave in a couple of weeks so they suggested I also Forbear ... they told me I have 1 year for the life of the 20 year term to forbear and I used 6 months right out of school, so that would leave me with XXXX days left ( not even 3 full months ). I asked where my other 3 months and 3 days went and they had no answer, and then said I have to wait a couple weeks ( close to my due date ) to set up forbearance for XXXX. 
When I stated that all of this was controversial information and no concrete information was given to me, and it 's not making me confident they are acting legitimate, they told me if I was unhappy, I should find a new lender and consolidate. 
Discover is NEVER there for you, and when I call them for anything, every rep has different information. Nothing is consistent. They make it impossible to save any money, and impossible to confidently pay these things off. I set up automation years ago to save money, and in XXXX I was supposed to hit the term where my interest would go down, therefore payments, because I have consistently worked to pay timely. Now they jack up the interest, so all my hard work toward saving this summer is down the drain. My payment is more than my mortgage, and at this point, I can not put this bill before my child 's healthcare and above my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Advertising and marketing

Complaint: XXXX XXXXAccount Number XXXXFormer account number XXXXI am filing a complaint against Chase United Mileage Plus credit card. I believe these are the events leading up to my complaint. 
I originally had a credit card that was a 'premier ' credit card that provided me with reward points for signing for the United Explorer card. I terminated this card as I did n't wanted to pay the annual fee ; I converted this initial credit card to XXXX, which is a Chase United Mileage Plus credit card. 
I then reapplied and called Chase in XXXX or XX/XX/XXXX and requested to obtain the 'Mileage Plus ' Explorer Card. The credit card provided XXXX bonus points if I purchased {$2000.00} by XX/XX/XXXX. I complied with this stipulation. 
I spoke with someone named XXXX and XXXX, Chase representatives and I explained to them that I originally had a Mileage Explorer Card and received about XXXX or XXXX United Mileage miles. ( I ca n't recall what I exactly earned. ) I specifically told these representatives that I converted this card to a regular United Mileage card that did n't require a yearly fee. I asked these individuals if I could apply for the new Explorer Card and obtain the XXXX bonus miles. They told me that I could absolutely receive the new bonus miles. I believe that they completed my new application on-line. 
I received approval in the mail for {$9000.00} credit line. I am attaching the papers I received. I did n't check to see if I received the XXXX bonus miles until XXXX XXXXI called on XX/XX/XXXX and spoke with XXXX ' a Chase representative who referred me to a supervisor named XXXX . I explained the situation to her and she stated I would receive a call from an account manager at Chase. I received a call from XXXX who stated that Chase will not give me the XXXX bonus miles since I was not entitled to the bonus miles from the XXXX credit card. I was told that I already received bonus miles from a previous promotion. I explained to XXXX that I spoke with, the aforementioned individuals ( XXXX, XXXX ) and they told me I was eligible for the bonus miles. 
My RequestI want the XXXX bonus miles and for the hassle I would like compensation such as an additional XXXX miles for the hassle of having to write this complaint. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (TX).
Issue: Credit decision / Underwriting

Complaint: I had a mortgage with Residential Credit Services, the loan was forclosed in XXXX 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to XXXX. RCS will not update the account status and continues to show the account as open with a balance owing of {$110000.00}. The same report to XXXX indicates a closed account with a XXXX balance owing ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an outstanding balance of {$1200.00} originally from XXXX XXXX XXXX XXXX XXXX. I was unable to make the original payments because I was living with XXXX roommates that didn't pay me for their portion of the gas bill. I've called the gas company and the only resolution offered was a payment plan. I haven't yet been able to enroll in the payment plan due to a current financial hardship. I'm currently in collections for this debt from CCI ( Contract Callers ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (PA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Received a credit card with a statement of possible fraud from XXXX XXXX visa card from Synchrony Bank in XXXX florida. Spoke with fraud department on XXXX/XXXX/XXXX. The card was cancelled and an investigation was opened by the bank. I never opened this credit card and have concern that my private identity was used to open 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 05/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 12/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a Realtor, representing a seller of a flooded home in XXXX, LA. The owner has flood insurance and a check has already been disbursed and forwarded to Bank of America and is in their escrow account. We now have the house under contract to be sold, and BofA will not cooperate in providing a pay-off so that the act of sale can be conducted. We have been stalled for 3 weeks, and are getting nowhere in dealing with the pay-off department.

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