milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Debt collection (Payday loan debt) with Integrated Recovery Services (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been getting phone calls from a company by the name of XXXX XXXX, saying they were following up on a claim filed through XXXX XXXX. When I asked questions they got rather hostile. Told me that I needed to provide credit or debit card information to clear my debt. Said that they were real company because they knew my social and address. What raised a red flag, was that he said he called my job at XXXX XXXX and then he said he know I also worked at XXXX XXXX. I never worked at any of these companies. He then said he was going to file something against XXXX XXXX XXXX XXXX  XXXX. I looked up websites for both XXXX XXXX XXXX and XXXX XXXX XXXX and came up with nothing. He said I had other judgments/civil cases against me, which I am well aware that this is public record. When I asked him where could I find this information he had no viable answer. They also have been calling my sisters phone to get in contact with me. The number they called from was ( XXXX ) -XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with Real Time Resolutions, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Auto debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt has been charged off and account closed. I have asked for validation of this debt and not received 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 07/29/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company has call today XXXX/XXXX/17 at XXXX XXXX, XX/XX/XXXXat XXXX  and XX/XX/XXXX at XXXX. Just from this phone number. This is after there were told that XXXX XXXX XXXX was handling this and they needed to contact 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 non-monetary relief
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I am tired of the excuses from Seterus. My loan was modified for over 4 months and they refused to send me my current mortgage statement for my own records. I have faxed a letter to Seterus and it has been over two months. Seterus has not reply to my letter. I am frustrated because I want to received my mortgage statement trough mail. However they keep telling me they will provide me with a copy in the mail and still no answer. I do not have any active Attorneys therefore there is not reason why I should n't received my mortgage statement in the mail. I did not wanted to involve the CFBP. However I was forced for all the excuses I been given.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: In XXXX of XXXX after being contacted multiple time by American Express with offers and calls to switch my XXXX branded American Express card opened in XXXX XXXX to a XXXX card because of the upcoming end in XXXX and American Express ' agreement. Eventually, I called American Express sometime around late XXXX or early XXXX XXXX to do this change and ask some questions about account history. A friendly representative informed me that upon switching to the XXXX XXXX XXXX XXXX my account history would be retained and the card would n't affect my average age of account because it would back-date to XXXX XXXX to match my XXXX card. For the past year I thought everything was fine as my new XXXX XXXX XXXX read " XXXX since XXXX ''. However, I recently requested my credit reports from XXXX and XXXX and realized that the American Express XXXX XXXX XXXX card had reported as opening in XXXX XXXX. Realizing that American Express had made in error in my credit reporting according to the promises made by the representative, I contacted them on XXXX XXXX, XXXX to find a solution. After speaking with XXXX customer service and the credit bureau department at American Express, I was allowed to open a dispute about the error so they could investigate if I was given incorrect information so that the proper date could be reported to the bureaus. This dispute was opened with XXXX in the XXXX XXXX XXXX office ( extension # XXXX ). On XXXX XXXX, XXXX, I spoke with XXXX ( ext. # XXXX ) who said the dispute was still being worked on and that he would make note that I was hoping for an update. On XXXX XXXX, XXXX I spoke with a supervisor named XXXX who informed me that while I had been given incorrect information upon opening the card they were unwilling to fix the error. I called again on XXXX XXXX, XXXX and spoke with another supervisor XXXX ( ext. XXXX ) who after acknowledging again that the case I opened on the XXXX of XXXX had found that I was given incorrect information about the backdating of my XXXX XXXX card, was unwilling to fix the error. XXXX even asked that if I had been given proper information if I would have still opened the card in XXXX of XXXX. I promptly answered no but again he was unwilling to correct the error. I feel as if American Express performed a " Bait and Switch '' by promising me something in order to push me to open an account with them, only to renege on their promises and refuse to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX 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 non-monetary relief
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (NE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Making threats to have my license suspended and refused to verify the debt was paid. I was contacted by a XXXX XXXX from national commercial services phone number XXXX ext XXXX XXXX insulted me several times told me I heard voices in my head called my a liar several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge 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 am card member with Capital One VISA and my credit was used outside the United States on   XXXX   XXXX  , 2017. The day my credit card was used, I received an e-mail as a notification that prompted me to check my transaction and let them know if it is was mine or now. So within ten minutes of receiving this e-mail, I called Capital One to let them know about this fraudulent transaction. They told me to not worry because if this is my transaction then they wont pass it and I believed them because the bank as a {$0.00} fraud liability for the consumer. But after 30 days I received call from an investigator who said that the reported fraud was not actually a fraud and the card was used physically. I explained to him that this not possible because the card was with me and I did not leave the country. When I asked for proof, he did not give me any and just said that the chip of card was used. Then I called again after a few days to ask them to do the investigation again but again I was put in the same situation. When I pressed for proof, they told me that my signatures matched in the receipt and so I asked them to send the receipts ( attached below ). When I received the receipts, I could clearly see that the signatures were not mine and somebody had clearly tried to copy it ; both receipts had different signatures ( attached below is a copy of my actual signature ). So I called them about this discrepancy but nobody listened to my complaints. Every time I called customer service, there was a different person on the line and was not fully aware of the situation. When I kept calling, I started receiving the same answer about the card being used physically but I was never given any further proof. Every time there is a big transaction a bank calls to confirm the transaction so I asked the bank to give me proof that call when about this fraudulent transaction, but they told me they couldnt give that to me. At this point, I was tired and feeling harassed by Capital One. They never gave me any valid proof and because of this fraudulent transaction my credit score also went down. Now, to add to the trauma, they keep adding interest to the fraud charge and expect me to pay it. However, I never authorized this transaction and neither am I able to pay this large sum of money. Despite of my early warnings and continues calls, the bank authorized the transaction and continues to harass me about a fraudulent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (CA).
Issue: Other transaction problem

Complaint: XXXX XXXX, 2017 - Remitly continued to process an unauthorized transaction. I requested my remittance to be cancelled instead and not proceed because I can not provide them with the additional ID that they are requesting from me. In fact during the transaction, Remitly suddenly put a review/hold on my remittance. They also sent me an email saying that there 's a hold on my transaction. The email said that they need some additional documents from me before they can move on forward with the remittance. So, I told the rep that I do not want to proceed anymore. I did not provide them with any other documents that they requested so I told the rep to just cancel the transaction instead. To my surprise, Remitly still processed {$160.00} out of my bank account even when I told them I want to cancel my remittance. Another thing also is that they still charged my bank account even when there is a hold on the remittance due to the pending review that they are doing. Honestly, I feel cheated, mis-informed and was taken advantaged of, most especially when I suddenly received a notification from Remitly saying that the money was already delivered to the recipient. Basically, Remitly delivered the money to the recipient without my consent. Remitly did not cancel my transaction even when I told the representative to do so. Remitly proceeded with the remittance without my approval and authorization. Now, the Remitly manager that I spoke with repeatedly told me that they can not do anything about it since it 's been delivered already to the recipient eventhough I never authorized Remitly to proceed with the transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with XOOM CORPORATION (NY).
Issue: Fraud or scam

Complaint: My wife and I wanted to travel to  XXXX ,  XXXX  for  XXXX  of   XXXX  . My wife is Peruvian and all of her family is there brothers, sisters, mother, and father which she has n't seen for many years. So we decided to plan a trip myself, wife and my daughter for the holidays. A mutual friend recommended a travel agent she has used once. Thi s Travel  agent lives in  XXXX ,  XXXX  the reason we decided to go with her because she found tplane ticket for a very good price especially for during the Holidays I was surprised she got them so cheap. Anyway we went ahead with the purchase and used a company called  XXXX  which is owned by  XXXX . I sent {$590.00} from my account and my wife sent {$1400.00} totaling {$2000.00}. What happened is just horrible first we never received any plane tickets and did n't travel my wife was very upset and sad by this as was I. So we began to contact the travel agent and she never responded we called by phone, or  XXXX , and also  XXXX  we tried many ways to communicate but we got no response. So I put in a claim with my bank Chase and they told me they ca n't because I would have to go af ter Xoom, So I did I followed all the procedures that Xoom requested and they investigate  d  for about  XXXX  days and they denied my claim of fraud their reason is because I authorized the charge well of course I had to authorize the charge in order to receive a product worst customer service they do not care about you or what happened. I called  XXXX  many times and all I get is getting put on hold for hours on end most times I could n't sit on the phone so long because no one would pick up. I asked xoom to give me their main corporate office and they said they have no phone number to give me. So I called  XXXX  because they own them and they are just as bad as xoom kept on hold and the run around. So I decided to call my bank  XXXX  to get more info and  XXXX  told me to go after the bank they used for the transaction which is  XXXX   XXXX  Bank so I did I am taking them to small claims court to try and get my money back. We worked so hard and long saved what we can to make this trip and just to hear from thes e four major companies and not one wants to return our money is very frustrating and exhausting especially for me a stay at home dad taking care of my daughter with medical issues on top of that having to run after these companies and hearing lie after lie. I have followed all the procedure that they requested even went to the Police Department to file a complaint and it 's still not good enough. All we want is our money returned to us by either Xoom ,  XXXX , or  XXXX   XXXX   XX/XX/XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Chase company did not properly credit the payments that I made XX/XX/XXXX in the amount of {$950.00} and XX/XX/XXXX in the amount of {$950.00}. This payment should have been credited to : XX/XX/XXXX payments. I spoke with XXXX XXXX in escalations on XX/XX/XXXX and request that our recorded conversation be referenced if you have any questions. XXXX stated at the end of our call that once XX/XX/XXXX payment was credited to our account we would be current. XXXX was aware XXXX payment in the amount of {$950.00} was already sent by my bank to Chase and stated she would " watch '' my account over the next few days to be sure it was credited. XXXX payment was received by Chase XX/XX/XXXX. My financial institution, XXXX XXXX XXXX XXXX, sent a payment history from XX/XX/XXXX to present to Chase on multiple occasions during this process to aid in their error processing. 
Chase failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. Chase 's letter dated XX/XX/XXXX stated our payment would change to {$950.00} as of XX/XX/XXXX due to an escrow review. I spoke with XXXX in Chase Customer Service last week and she stated that the " system did n't update to show the lower payment '' and that she was fixing the system to reflect the lower payment and that our account would be current and due XX/XX/XXXX. 
I have attempted to contact my customer service representative XXXX XXXX via voicemail and fax, I have not received a return phone call or answer to my concerns from her. Chase sent me a letter stating XXXX XXXX was my customer service representative. I did speak with the escalations department and they stated to " ignore '' the " acceleration warning '' I received dated XX/XX/XXXX as he showed the account to be current. 
Today I spoke with XXXX XXXX at Chase Escalations department to verify the situation was resolved and our account was due for XX/XX/XXXX. XXXX stated she " was n't sure what happened '' and that the escalation department, XXXX, " closed out the case '' and the error remains. I have called Chase multiple times over the past few weeks and was told the error was being corrected and that I did not need to do anything additional to have the error corrected. XXXX stated today that she opened another case in the escalations department and that it takes " at least 5 business days '' to fix the error. XXXX did not see the escrow payment change XX/XX/XXXX in the system however could see the letter Chase mailed to me reflecting the change.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit AcXXXX, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.

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 12-01-2016 about Prepaid card (Mobile wallet) with Ingo Money, Inc. (CA).
Issue: Managing, opening, or closing account

Complaint: Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response. 

I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly. 

Ingo money is punishing me for no violations.

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
Consumer complaint received 01-05-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? 
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? *This complaint is in now way directed at the dealership XXXX toyota of XXXX. They told me not to complain sternly. I just need GAP insurance canceled. I do n't think at this point they are sincerely trying to help. Toyota does not want to refund the GAP insurance, Tire Warranty and Life XXXX extras. I put in written, verbal, phone, XXXX, attorney general complaints, customer satisfaction case numbers, and most recently the XXXX, Amercians with XXXX act is informed of the discrimination I am receiving on the phone. You all know I have XXXX and are trolling me, stalling the refunds in a attempt to get me to go away. This is discrimination and if continued appropriate civil suites will be filed, as a third party is now documenting this abuse. on all fronts Toyota is " trolling '' me. Furthermore the XXXX complaints do n't always go through. I have also as of today not received my new car purchase survey. It should be mailed to the address on this complaint. All future correspondences should be mailed to this address, by physical mail. This is my request. I should have no extras on the account. GAP, Tire Warranty, and Life XXXX have all been requested dozen of times to be cancelled in writing. I confirmed received. Just refund the extras I didnt want already, as promised over 50 times. They keep claiming phone problems with their telephony. Please look into this and why I have not received my new car customer satisfaction survey. I have a feeling they are withholding the survey to fix their scores. I never wanted the extras, and have tried to cancel of them. Now they are just trolling me, making a joke of how long they can stall. Sincerely. refund all the money, and give me a summary of the dates and amounts. Thank you. I used to work for Toyota, their crimes are egregious to say the least, I sent the DOJ a whole dirty laundry list in XX/XX/XXXX. Please look into this, major stuff going on that needs oversight. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion credit reporting agency is reporting addresses that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief