milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with First Advantage LNS Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations  committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the  alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party to the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Rewards

Complaint: There is a {$650.00} XXXX phone offer on my Citi AT & T access credit card. After all the requirements were met, I still did n't get the reimbursement after more than three months. First of all, I, as a client, have met all the requirements specified in the offer. I have contacted the customer service for more than three times and each time they told me that all the requirements were met and I just need to wait for up to three months. I have a screen shot for the chatting history to prove my words. Such long time period already violated the longest waiting time written in the phone offer. Moreover, I called Citi bank today and they asked for the receipt of buying that phone for reimbursement. But the offer agreement did n't show that the customer should keep the receipt. It is already more than three months and I could n't find the receipt.

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 09/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XXXX XXXX, XXXX my student loan balance with Navient jumped from {$71000.00} to XXXX with no explanation. I believe there is either an error or they are charging me excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GM Financial was sent a formal notice on XXXX/XXXX/2016 to validate and verify the debt they where attempting to collect on. No validation received. A second notice demanding validation was sent on XXXX/XXXX/2016 and GM Financial responded by sending forged documents, falsified records and documents with information whited out.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with JPMORGAN CHASE & CO. (OK).
Issue: Transaction issue

Complaint: I opened a credit card in XXXX 2009 with Chase Bank in order to make a mortgage payment on my Chase Mortgage. I conducted the transaction at a Chase branch in XXXX, OK. Apparently, Chase classified that as a " cash withdrawal '' at the branch. Because of this categorization, since XXXX 2009 until present they have been charging me an interest charge on this transaction that has cost me approximately {$1200.00} in interest charges alone. I have never made a cash transaction with the credit card and Chase making such a distinction for their own benefit is outrageous!!!! 
Then they tell me the interest charges will continue until I pay the balance in full. I have the card closed and in a debt reduction program through Chase. It has been closed for over two years now, almost 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Bank account or service (Checking account) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: I was recently approved for a credit card with Pentagon Federal Credit Union. In order to take advantage of the 2 % the card offers members are required to either be in the military service or open a checking account. I was informed by one of their agents that since it has been less than 90 days since they reviewed my credit they would not need to obtain a new report in order to open the checking account. I applied on XX/XX/2017 and they pulled a credit bureau.

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 06/25/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (OK).
Issue: Making/receiving payments, sending money

Complaint: I have a credit card with QVC, synchrony bank collects for them. I went on the QVC website a made a payment for the entire balance showing on XX/XX/XXXX, that payment cleared my bank the same day. Synchrony bank said the payment could be fraudulent, even after speaking with me and that were holding the payment up for 7 days. They already have the money, it cleared my bank account so what could be fraudulent about that, it was an electronic payment, not a check. Yet they sent me an email saying that the payment would be credited the same day. My balance at QVC shows {$9.00} with a credit limit of {$1100.00}, but I have no credit? How does that work? I 've spoken to XXXX people this last week who all gave me a different story, then today I spoke to XXXX who said he was a supervisor and because they had the authority to hold it they were going to hold it and there was nothing I could do about 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 05-07-2016 about Consumer Loan (Installment loan) with Stellar Recovery, Inc. (OR).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid. 


STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX ALLOWED A FRAUDULENT INQUIRY TO BE MADE ON MY EQUIFAX CREDIT FILE IN XXXX 2017. I SUBMITTED A FORMAL COMPLAINT & AFFIDAVIT ( INCLUDING A COPY OF THE POLICE REPORT I FILED ) TO XXXX DETAILING THAT AN INQUIRY WAS MADE ON MY CREDIT FILE WITHOUT MY AUTHORIZATION. XXXX HAS NOT RESPONDED TO MY COMPLAINT NOR REMOVED THE INQUIRY FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX different privet student loans currently own by Navient. XXXX of XXXX loans are small loans. I only have concern third loan originally was {$25000.00}. I took this big loan on XXXX 2009. I have been paying this loan since I took the loan. Last XXXX I asked Navient to release co-singer for the loan since I never late pay or missed payment for last 8 years and it 's reasonable request to release the co-signer at this time. They denied my request in ground of my obligation more than my income. I asked clarification if they are saying my monthly obligation higher than my monthly income. After I proof for them my current monthly total obligation ( {$1200.00} ) way less than my current monthly gross income ( {$3000.00} ), they change the reason of denial to my total loan is to high. Yes my total student loan is close to half XXXX because I went medical school and almost all loan is federal loan. Since I wo n't start to pay my Federal student loan XXXX or four years from now before I finish residency, I do n't think it matter much for Navient loan since the term of the loan is less than five years from now. 

In short, I do believe Navient giving all kind of reasons to denied me simple request to release my co-signer while I have more than XXXX credit score and regularly making my monthly payment. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I am still awiting answers to my past letters. Today a Statement has come by mail stating I have a modification plan. I have not sent any documents, I have not signed any docment requesting any modification of what?

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My XXXX and I have an American Express XXXX card since XXXX and we have always made payments on time. My credit limit was {$9500.00}. 
About XXXX month ago, my card was declined. When I called Amex, they informed me that someone had used my name to obtain an Amex business credit card and had made large purchases. I asked them to start a fraud investigation and they informed me that they had already done so. 
On XXXX/XXXX/XXXX, Amex sent me a letter informing me that they had taken necessary steps to close the fraudulent account and remove derogatory information from my credit report. 
I have made a number of calls to Amex to find out the latest situation but have been transferred from XXXX department to another but without any resolution. 
Yesterday, XXXX/XXXX/XXXX, I tried to use my card again but was declined again. I called Amex and once again, I was transferred to XXXX department to another but without any firm response. All I was told was that my credit limit had been reduced to {$3000.00} for reasons not explained to me. 
I have been a loyal Amex customer and do not know why my credit limit has been arbitrarily reduced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against the following Company : Green Tree Servicing - XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX www.XXXXcomThis company illegally placed " attorney fees '' on my mortgage without my approval and i have no idea why. They said it was attorney fees that they placed on my monthly mortgage and did not mention or give me any written explantion of these fees. I had to pay them so my monthly payments would not default or be late. I demand these fees be returned to me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: am filling a complaint against Bank of America , NA for the deceitful, dishonest, lies and corrupt, method which They unlawfully auctioned my property on XXXX XXXX, 2016 it was an illegal sale, It has gone back to their XXXX XXXX I found very serious violation in the process of transfer of my loan there was no Assignments, Substitution or Substitution of Trustee ever recorded in the County in which my property is located. it clearly states in the California Civil Codes Regulation proper recording of documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: TD Bank has a TD GO Card. They started charging inactivity fees. They reversed the fees initially and said they would be charged within 12 months. XXXX the supervisor refused to fix the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery, under many different numbers, keeps calling. I am current on all my debts. I have XXXX car loan, XXXX mortgage, a HE LOC and XXXX credit cards all of which are paid monthly. I have never had anything go to Write Off. I have no debt problems. My internet research indicates this firm buys uncollectable Write Off data that is no longer legally required to be repaid. They will just continue to call and call. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other fee

Complaint: Chase rejects customer payments claiming that they should not be made more often than every 3 days. While that may work for more financially secure, Chase makes credit unobtainable for working class people by preventing multiple payments as occurs when one pays the minimum by the due date and then seeks to pay more before the end of cycle but can not. Chase claims US federal anti-moneylaundering laws require this but does not cite the laws. This is a scam. The US does not prevent people from making payments, Chase poorly managed AML software prevents payments. Chase uses AML efforts as a pretext to incur fees and damage credit of those who manage their money wisely by making multiple credit card payments in a billing cycle. Chase conceals the payment prevention program and causes cardholders to take time away from working our regular jobs to working for Chase trying to figure out how to make a payment. Chase thus damages the credit and limits opportunities for cardholders in addition to making cardholders vulnerable to fees because of the payment prevention program justified by anti-money laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I attempted to make a monthly car payment on the companies website. I received an error message that the payment could not be processed and to try again. I did, and received a confirmation number. Two days later I reviewed my bank account and discovered TWO payments had been processed for the monthly payment of {$460.00}. I immediately contacted the company ( United Auto Credit ). I was advised that the rep would open a request to have the funds returned, and that it would take 10-15 days. She stated the error may have been caused because the payment was made as the date shifted from the XXXX to the XXXX during the transaction because it was late at night. I waited a week and called again. The rep then tells me I have to submit documentation showing the double payment and then wait and additional 10 to 15 days. She also advised me to speed up the process I could contact my bank and list the payment as unauthorized. I did this the next day and the funds were returned to my account. The next morning, however, my bank contacted me and advised me that the XXXX was again withdrawn o n XXXX and listed a an " untimely return ''. I again contacted UAC and was told that I still had to submit forms for the return and that it would be mailed out in check form once cash management signed of on it, but I had to hurry because they only send checks out on the XXXX and the XXXX of each month. I called again today on XXXX and there is no update, each time I call, I am told the person I need to speak with is unavailable. These funds were crucial to paying my bills and it has caused me great financial hardship trying to replace these funds. I have also included a copy of the email sent to the supervisor I was told was in charge of resolving this matter, I still have yet to receive any response.

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 01/27/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: after discharge of bankruptcy, they placed XXXX or XXXX accounts on my credit report as open, that was not on there before bankruptcy was filed but they were included in the bankruptcy. and they when from reporting under central financial to syndicated office systems. These should not have been report after discharge. They Placed it on my credit report about 8 days after final discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: ON XXX-17 a charge for XXXX was billed to my debit card for XXXX, I do not have XXXX, I have been on hold with BOA for 33 minutes to dispute this. I can not dispute it online, have to call. I need your help.

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