milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a complaint against Encore Capital Group and its continued collection of a debt while the account was under investigation and is still under investigation for fraudulent charges. On XXXX/XXXX/XXXX the judgement against me initiated by Midland Funding was set aside because of lack of sufficient service. The writ of garnishment was squashed. In court, I was handed an overview of the account ending in # XXXX and I stated in court that charges that created the balance were not mine. ( see minute entry XXXX/XXXX/XXXX and XXXX pages of spreadsheets printed by Midland Credit Management ) The funds that were obtained from the first garnishment that was quashed, my employer had to assist me to get the funds returned from Midland Funding LLC. ( see attached emails dated XXXX/XXXX/XXXX ). Over the course of next several months, I filed XXXX motions to compel against Midland Funding LLC, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but was told both times by Midland Fundings ' attorneys, they had no more information on the debt. At the XXXX/XXXX/XXXX Motion to Compel hearing the Judge ordered an FTC Fraud Affidavit to be filed. XXXX See minute entry XXXX/XXXX/XXXX ) I sent the FTC Fraud Affidavit along with a Police Report to XXXX XXXX XXXX Attn. Fraud Investigation. I informed Midland Funding LLC. I was a victim of fraud and I had submitted my FACTA request to the creditor. XXXX see letter dated XXXX/XXXX/XXXX to XXXX and XXXX XXXX After filing a CFPB complaint # XXXX against XXXX the original creditor, the FDIC opened a complaint ref # XXXX dated XXXX/XXXX/XXXX. That complaint is still unresolved and the FTC Fraud Affidavit is still an outstanding issue on this account. On XXXX/XXXX/XXXX Midland Funding LLC sent me the notice of wage garnishment to collect the debt ( see Response To Initial Notice Judgement Debtor/Request for Relief of the Order for " Writ of Garnishment '' and supporting documents ). In XXXX XXXX Midland Funding LLC garnished my wages for the Judgement dated XXXX/XXXX/XXXX for a total {$1500.00} On XXXX/XXXX/XXXX, despite my objections because of the fraudulent charges, Midland Funding LLC still requested a Motion of Continuance for there garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Money transfers (International money transfer) with PNC Bank N.A. (MD).
Issue: Fraud or scam

Complaint: Good Day my name is XXXX I am filing a complaint with PNC Bank due to there neglience not retaining or recovering my expense of XXXX that was submitted through there branch in XXXX Maryland on XX/XX/2017. The Gentle man name was XXXX who took my Debit Card and Driver License never explain the details of how this process work. I discover this debt out of the checking account the very next day XX/XX/2017 I came to the PNC in XXXX, which i ask the representative did the XXXX get debit out the count she informed that was a wired transfer whereas i shock. I learn that that this was a debit not a wire transfer which I am provided to this office for further investigation. On XX/XX/2017 PNC customer care put a Security alter on the account which was documented. XX/XX/2017 The actual dispute was filed with no results of getting money. I was told by the wire transfer department that I would see results by XX/XX/2017, or XX/XX/2017 whereas PNC given myself and XXXX who is my son cause there are direct deposited that enter into the account. PNC instructed me on XX/XX/2017 to reopen up a another account so that the XXXX can come through which Myself or XXXX ( son ) can transfer funds to new checking account. Therefore there been nothing done. I spoke with XXXX who lied to me on XX/XX/2017 alleged this Federal Reserve Program to get the funds cause they are the ones that are responsible. XXXX indicate to me that they never heard from XXXX due to Federal Reserve that it will take more than 10 days. PNC ask me to block there email address which I did. I also filed a Police report through XXXX XXXX XXXX Maryland whereas they told me when fundings are enter into another country. PNC is responsible for recovering your funds back to your account cause it is Federal Insure money. I have documents I never received jewelry at all from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I was XXXX of those professionals hurt when the housing economy totally collapsed. I had purchased a very expensive XXXX XXXX XXXX XXXX pickup with diesel etc. Loan amount began at nearly XXXX. Payments were okay when I made XXXX per year. After losing the income after housing collapse, {$770.00} payments were very difficult but I struggled XXXX four years to get payments made. I was often far behind and always eventually caught up all payments when a job completed. ( I was now a self employed XXXX ). I was up to four months behind on several occasions, even offering to voluntarily surrender the truck. They always showed patience and eventually got all their money when a job would finish. I finally got paid down to the last XXXX payments ( around XXXX ) and explained to customer service/ collections that as soon as the next job finished I would bring it current. For the first time, i had about XXXX in postive equity in the truck. I certainly did not want to lose it now. I starting getting suspicious recently when collections would robo- call and I would try to answer and no live person would come on the line. After 3 weeks of rain delays I finally finished a job and was due to collect and be able to bring payments current. That night my truck was repo-ed from my driveway. Now, trying to speak to a live person and try to redeem my vehicle is impossible. Calls to redemption department at Ally always go to hold for 1-2 hours. Usually you will eventually be told to try again later. Meanwhile you get notices your car is going to auction, but you still ca n't get a live person. Once there was equity in my truck, they want the truck.,, not my payment.., This is blatantly unfair to have no way to talk to reasonable people! 
XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from First Source, original creditor is  XXXX . I have disputed this account multiple times as I have no knowledge account and have requested   XXXX   provide validation of debt. Instead   XXXX    keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: NAVIENT Balance Increased by {$3600.00} Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your NAVIENT student loan account balance increased by {$3600.00} from {$3800.00} to {$7400.00}. 

This has been reported to the XXXX and XXXX  and my student loans are in good standing and in income based repayment plans. This is the second increase they have reported in a month and no new loans have been taken out and I have payments of XXXX a month. I have called and they tell me they have not reported any new information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with DISCOVER BANK (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this company numerous time Discover Bank this account is a fraud account and the account does not belong to me. I have notify the creditor as well as the credit report company and this account remains on my credit report. Again this Discover account does not belong to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I bank will wells fargo. I only had a {$1.00} in my checking account. The company allowed a payment of XXXX from XXXX to come in. I ask wells fargo before to not allow debits to come in if the money is not available and the wells fargo did it again. I have {$35.00} NSF fee, because of it. I called and spoke with XXXX XXXX who did not want to help with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have been charged numerous unfair wells fargo overdraft fees

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 Checking or savings account (Checking account) with U.S. BANCORP (OR).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I am reaching out for your assistance because I am never able to get any help by telephone or within the branches. Recently my account was overdrawn just under {$5.00} and I deposited money to bring to correct the matter. Days later my account was over-drafted for transactions that should have already been deducted from my available amount within my checking account. Because of this my account is now over {$150.00} overdrawn including numerous fees. I have contacted customer service who refused to assist with waiving some of the fees if I was able to deposited money. They directed me to a payment assistance group who also refused to help. They informed me that I will receive additional overdraft fees this Friday as well. This is not the norm for my account to be overdrawn and when I do contact your company for help I am always met with refusal. I chose your bank because I felt you were different then other banks out there but you are actually worse because those other banks actually do attempt to work with or help their customer to show they do value them. This is not the only incident with your company. Back in XX/XX/XXXX of this year my tax returns were deposited and I went to the branch located within XXXX on XXXX XXXX XXXX and XXXX XXXX in XXXX, Oregon to withdrawal {$3000.00}. When these funds were attempted to be deposited at XXXX XXXX XXXX within my wife 's account she was told one of the {$100.00} bills was counterfeit. XXXX XXXX XXXX stated they could not give it back to her and they had to report it. When I contacted that branch about the matter they refused to help saying " Their bankers are trained to catch counterfeit bills. '' The banker that assisted me with the withdrawal was new because her manager had to sign off on the transaction. The manager did not check the cash and the banker did not mark them or check to confirm there were no counterfeit bills. Just because someone is trained to something does not mean you are going to be accurate all the time. We are humans and we make mistakes. I did not make a complaint at that time because I was already met with refusal of help and I had received that same reaction before. If you need to reach out to XXXX XXXX XXXX to confirm this you can contact XXXX XXXX at XXXX or XXXX. My wife 's name is XXXX XXXX and the attempted deposit was made on X/XX/17.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended the University of XXXX XXXX between XXXX and XXXX. I paid off my loan in XXXX. In XXXX XXXX, I received a XXXX for reduction of debt, supposedly on XXXX. However, I never received any information about this previously nor did I receive a reimbursement for the amount in the XXXX. Discover has been " investigating for 2 weeks, but has no answers. See the uploaded file for the complete story.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX I purchased a car from XXXX and XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (OR).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX, I was contacted by a collector from XXXX XXXX XXXX - XXXX XXXX. The collector advised me I missed a payment and was past due. I advised her that I could not talk at the moment, as I was in the bathroom, but would call back. Later that afternoon, I received an additional text from XXXX XXXX asking for a payment - 2 collection attempts in one day. 

Since then, I continue to receive calls from the company using multiple phone numbers form different states. These calls do not leave messages. 

I called today and requested a Cease & Desist as I find their collection 's practies to be harassing. In addition, I advised I will be filing for bankruptcy and will be paying my retainer later this week. After talking to XXXX, then XXXX, and another employee, I was routed to XXXX XXXX in XXXX XXXX. 

XXXX XXXX advised me that she was able to confirm that my number was removed and advised all future communication would be by mail. XXXX XXXX was unable to provide me details of my previous conversation with their employee on the XX/XX/XXXX and apologized for the additional text I received that day. After ending my call with XXXX XXXX at XXXX PST, I received an additional call from XXXX XXXX at XXXX from one of their numbers - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been contacted in writing by a company named Windham Professionals stating that I will be garnished effective XXXX XXXX for federal student loans that are either in repayment with XXXX or that I do not owe. In addition ; on researching the Company they have numerous complaints regarding their collection practices ; and are not approved by XXXX. I am unable to upload documents for this complaint ; but I can fax or mail all documents from XXXX ; and Department of Education to substaniate my claim

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 08-09-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A company is charging me for something I have no idea for what. The company is what is read XXXX XXXX  my statement called " XXXX '' for the amount of XXXX on XXXX XXXX 2017. I do n't know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Consumer Loan (Installment loan) with American Credit Acceptance, LLC (NV).
Issue: Problems when you are unable to pay

Complaint: a high % loan shark in XXXX XXXX carries the paper on my truck loan 23 payments into the loan he sells my loan to a company on the other side of the country I disputed the transaction requesting some pertinent information concerning the loan after several months they send me a portion of the info I requested at that time I sent them a letter of stipulations and started making payments based on them accepting the stipulations 4 payments later they repo my truck. I 'm out of pocket over {$20000.00} and nothing to so for it I would like to sue them do I have probable cause 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 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Problems when you are unable to pay

Complaint: I want to start making payments to the financial institution when I got employed again. I asked to start making payments and they agreed of a certain amount. When later on I tried to cancel the next month payment due to a serious issue I had to deal with in my life, they threaten to garnish my wages and wanted to know where I work and my supervisor phone number. I did not tell them and they want 30 % of my wages. I also received a letter from them that month postmarked before I had the conversation to cancel the payment and the amount they wanted for my payment was vastly different compared to the one we agreed upon. I have called them twice to cancel the payment, each time the amount they said was different and they also refuse to cancel the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with CITIBANK, N.A. (IN).
Issue: Late fee

Complaint: Regarding complaint case # XXXX, I want to add that as part of resolution I want my credit reports at XXXX, XXXX, and XXXX to reflect the fact I did not pay Citi Bank AT & T Universal credit card bill late. I also want the complaint published.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Student loan (Non-federal student loan) with AES/PHEAA (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I initially received correspondence from American Education Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX since XXXX, XXXX. I have repeatedly denied that I have any loans with them. 
All of my loans are with FedLoan Servicing and have been on repayment since XXXX. I do not have any other loans which they claim a balance of {$560.00} out of an original {$1600.00}. They have refused to produce a note or evidence of a disbursement to a school I attended. They have refused to cease contact and collection after sending a cease letter dated XXXX XXXX XXXX in a recent letter stating that their assignee requests they still collect. I have also reported them to the XXXX department. I am formally filing a complaint against them and believe they are perpetrating a fraud. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation