milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Debt collection (Payday loan) with MNE Services, Inc (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The following is the email I received this morning CASE FILE # XXXX LOAN INFORMATION DUE AMOUNT- {$990.00} LOAN COMPANY- USA FAST CASH You are going to be legally prosecuted in the Court House within couple of days.. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter.? 


XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU UNDER THE DEBT COLLECTION PRACTICES Act, SECTION XXXX AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) AND THE BIGGEST ONE IS E.F.T. THAT IS ELECTRONIC FUND TRANSFER Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 


WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYMENT AND BANK ABOUT FRAUD. 


And once you found guilty into the court house than you have to bear the entire cost for this law suite {$5400.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then XXXX will be appointed to you. We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 


IF YOU HAVE ANY QUESTION OR QUERIES PLEASE FEEL FREE TO CALL US BETWEEN WORKING HOURS ON : XXXX USA.FAST CASH LEGAL GROUP OF ATTORNEYS XXXX Copyright ( C ) XXXX - XXXX USA.FAST CASH | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Installment loan) with UMPQUA HOLDINGS CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I have XXXX business loan agreements with Financial Pacific Leasing at {$5000.00} each The loans were acquired through a broker. The terms were presented with very misleading and deceptive language. I was told the loans had no pre-payment penalty and I only had to pay 36 equal payments. I was also told that there was no pre-payment fee. I am unable to acquire the following information from this company either on the statement and the website. 
1- Will not show a pay-off balance 2-Verbal payoff comes to {$21000.00} ; that 's over 50 % interest, which amounts to loan-sharking / If the broker had disclosed this information to me, I would NEVER have agreed to either of these loans! 
3- Neither the statement nor the website will disclose my current balance due and they will not tell me how much I have already paid. 
4. One of the products had to be returned and the company REFUSED to correct the documents and change the financing.

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 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX in XXXX erroneously billed me for {$100.00} after I dropped their internet service. XXXX XXXX admitted to the error, and cleared the amount from my XXXX account. However, XXXX still sent my account to a collection agency, Credit Protection Association, which continues to fraudulently harass me asking me to pay this amount, which I never owed.

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 01-05-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase changed my email and mailing address information for my checking, saving, and credit card accounts without my authorization, without verifying my credentials, without my knowledge, or without notifying me. I have never lived at or been associated in anyway with the address Chase changed it to. Upon learning about the error, I corrected my contact information online and over the phone with a customer service representative. About ten business days later, I received mail from Chase informing me XXXX address change notifications have been sent to my incorrect and correct address. I called Chase customer service immediately for resolution. I learned their standard address change process includes XXXX automated mail notifications sent to the incorrect and correct address, their system takes 30 days to update the corrected information, and mail can continue to be sent to the incorrect address for up to 90 days. Their contact information update process is inefficient and more importantly does not protect personal/financial confidential information. Their process is a violation of information security. My personal banking information has been sent to an incorrect address without my knowledge, authorization, or notification of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Medical debt) with Continental Credit Control (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX, connected to XXXX XXXX XXXX, incorrectly billed me {$88.00} for a charge that was to be included in an overall procedure as agreed by XXXX XXXX XXXX. I paid in full, my portion for the overall procedure. After four attempts to resolve the issue, both verbally and in writing, one of their representatives, XXXX admitted to the error and adjusted the balance to XXXX. However, following her advising me that the matter would be corrected, XXXX XXXX XXXX XXXX erroneously sent the matter to collections.

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 04-06-2016 about Debt collection (I do not know) with GC Services Limited Partnership (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: GS Services is calling my work number they have been told in the past not to call this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I file a case against XXXX XXXX. After filing my case against them they indicated they will be removing themselves off my credit report. Also, they would be sending a letter to all XXXX CRA to remove them off my credit report. This was done over a month ago. I am wondering why have n't this item has been removed from my credit 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 08/16/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collections agency, I believe it is XXXX, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. XXXX has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Other financial service (Debt settlement) with Student Assist Plus LLC (IN).
Issue: Fraud or scam

Complaint: I saw an ad on Facebook that a friend posted saying this company could help reduce my student loans and after I paid monthly payments for 30 months my loans would be forgiven. I signed up. For the first 3 months I paid {$150.00} and then after that I paid XXXX a month. I had to renew 2 times so I could still be enrolled in the program. I got a call from my loan provider that I was behind and we need to solve this, I said no I 'm in a repayment plan through this other company each month I pay comes out automatically through my checking account. The lady from the loan company said no you have n't paid since last XX/XX/XXXX. I said where has my monthly payment been going and she said not to your current student loans. She said to call the so called company and have them stop payments or call my credit union. I did call both places. If my loan company had n't called me I would still be paying and my loans would stay and the same amount forever. I 'm glad that I answered that call. Documents I have attached are the contract I had to sign and complete before I could get help, and transactions saying I had paid but does n't say what it was paid to. Also is an email I get from payment company every month.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I am a XXXX XXXX XXXX on a limited fixed income. I applied for a best buy XXXX credit card about a XXXX ago so that I could XXXX XXXX XXXX. Ever since then I have paid between $ XXXX {$150.00} every month to keep up on payments. I have an auto pay set up now for {$150.00}. So with this in mind I assumed, ( HUGE MISTAKE ), I would be not only paid up to date but ahead! This far from the what is occurring. Even though I am making the {$150.00} I am also being hit with 25.99 % interest PLUS ... a 4 % interest fee for something I have no clue why!!! I am, as of this writing ( XX/XX/XXXX ),  almost {$1800.00} behind. I asked how I could catch up and was told that at my present payment it would take " about '' year. Guess they could n't calculate how long it would take. So I asked again what I could do to catch up so that I am not paying over {$35.00} in interest fees plus another 4 % per month. I was not given an answer. I fully understand that I made a purchase in XX/XX/XXXX, however, the interest fees were higher than the items I purchased. That is in spite of the fact I made a {$150.00} payment. I want it to be clear that I have never missed a payment on ANY of my bills. I always submit higher payments than the monthly minimum, currently, the minimum is {$58.00}. S this is how I see what going on .... {$1800.00} balance. {$150.00} payment minus at least {$34.00} in interest plus {$58.00} for monthly minimum payment. This comes out with {$58.00} left over to go towards future payments Am I nuts? This does Not seem appropriate considering I have NEVER missed a single payment. I was told that I had bought something, they did n't tell me what or how much it cost, at a certain interest rate and had XXXX months to pay that item off. Again, maybe I 'm XXXX or XXXX, but it seems to me with the payment amounts I make every month I should be well caught up. HELP PLEASE!!!

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 04-06-2016 about Credit card () with STATE FARM BANK, FSB ().
Issue: Payoff process

Complaint: State Farm Bank used XXXX XXXX XXXX to go behind my back into court in XXXX, GA to sue my for a XXXX plus debt that State Farm Bank charged off in XX/XX/XXXX.I paid State Farm Bank XXXX XXXX this debt in XXXX 2015. Since that time I have been trying to get State Farm Bank or XXXX to send me a signed receipt from State Farm Bank via email showing that the {$11000.00}. applied to the account the was charged off. For 7 months State Farm Bank and XXXX refuse to give me a receipt. I have the check that was deposited in XXXX account in XXXX 2015 copy of check attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have repeatedly request this company to cease calling me to no avail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: We paid off the  XXXX   XXXX  in  XXXX    XXXX  . We called in  XXXX  and were sent a letter on  XXXX / XXXX /  XXXX   that states " Chrysler Capital recognizes the above reference account as paid in full on  XXXX  ''. The letter asks us to wait 30 days. We are well past 30 days and still no title. We can not sell or trade the vehicle without a title.     We met our obligations and expect Chrysler Capital to send the title  ASAP P.S.    I am unable to upload the letter

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I requested Transunion to correct the multiple accounts listed on my credit report and each time they fail to report accurate information. below are the accounts that I requested Transunion to correct, in the event they could not i demanded that they delete this inaccurate information off my credit. below are the accounts they have failed to provide me with thier method of verification and they have not corrected the accounts let alone delete them which per the FCRA the accounts need to be accurate and verifiable all which are neither. 

XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX # XXXX - This account I was never late on. Transuion did not do a reasonable investigation at all and this item still is reporting incorrectly. 


XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 


XXXX XXXX # XXXX this account is not mine yet still continues to report despite how many times i dispute it. 

XXXX {>= $1,000,000} - this account is charged off but is reporting incorrect late payments.

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 12/20/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: JH Portfolio has refused to help me in regards to this collection account in my name and on my credit report. I have reached out to them multiple times and disputed this account many times with the credit bureaus. XXXX always just states its been verified. I have told JH numerous times that this account does not belong to me. This account was opened due to a result of identity theft. They still have not removed this account from my credit report. I have filed with the federal trade commission as a identity theft victim as well as let the major credit bureaus be aware too. I have tried sending letters to XXXX informing them that this account does not belong to me and I am not responsible for this debt because I have never opened it. They continuously say it belongs to me and its been verified but yet have never once proven how its been verified. I never received any mail regarding this account. I am attaching my credit report to review and my identity theft report. I am also including proof I sent them letters stating I was a victim of identity theft on XXXX/XXXX/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 10-03-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has recently begun reporting an erroneous collection to the various reporting agencies on behalf of XXXX XXXX. I have never had an account with XXXX closed or left remaining with an open balance. I disputed the debt to XXXX XXXX, and XXXX replied that the information should be removed from my credit history, and it was. So, no issue there, except that they instructed XXXX and XXXX to continue reporting the identical account after instructing XXXX XXXX to remove it. I have attempted to dispute the collection and its reporting, but XXXX continues to verify to the credit reporting agencies that the debt as accurate. I can only assume they are n't bothering to check with XXXX, as I 'm positive even a cursory search will reveal the account is not mine. This brand new collection is causing a lot of damage to my credit just as I am attempting to buy a home, and I would like to avoid a lawsuit for this misplaced collection keeping me from that.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: You have reported wrong balance to my account XXXX XXXX - 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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: in XXXX this company appears on my credit report I asked them to send me one prueva of this debt now in XXXX this company appears on my credit report with a charge of {$500.00} aks that information of this debt i never received approved of this derbt never contac me and no results only it comes out that this update this account so therefore I want this debt is removed

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 03-01-2017 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Billing disputes

Complaint: American Express has, for years, not applied payments over and above the minimum payments to my higher APR balances. Numerous attempts to deal with them on this situation ends with form letters sent to me and the complaint closed

Company response to consumer: Closed with explanation