milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Credit card () with PAYPAL HOLDINGS INC. (WI).
Issue: Advertising and marketing

Complaint: XXXX XXXX XXXX ( XXXX ), partner, affiliate, and reseller of XXXX XXXX sold a product with a false description. They had claimed that their mining product " XXXX '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX, XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even the website www.gawminers.com no longer exists. 

Furthermore it is public knowledge that the U.S. Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the U.S. Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the U.S. Government and the charges he now faces. 

I have contacted XXXX with success however they were unwilling to refund me so I opened a case with PayPal ( PayPal Credit ) which was immediately declined because it was not submitted within XXXX days of the transaction date. I have opened a case with the CFPB about this matter a month ago and only XXXX of the XXXX transactions were looked at and resolved by PayPal Credit. I am opening this case to get the XXXX transaction ( Transaction ID # XXXX ) resolved as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of Identity theft XXXX years ago. I resolved the issue obtaining a police report and submitting it to the company and credit bureau and it was removed from my credit reports. Three years ago I discovered the debt was sold to a third party creditor who in turn confiscated my tax return. I was on XXXX at the time and did n't have the means to dispute with a lawyer ( I did try to fight it previously, but the judge told me to get a lawyer ). When the judgement expired, that Midland Credit Management had obtained XXXX years earlier, they purposefully sent the paperwork for a new judgement to the wrong address so that I could not show up for court, and was able to renewed the judgement. Keep in mind none of this has been on my credit report and I have never been notified!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, TRANSUNION AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXX.The agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX XXXX AGENT, being transmitted to the bureaus after dispute.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and Transunion. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.

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 10/19/2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Syncb has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.

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 reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was denied for bank account/savings account and was told to contact chex systems. Upon contacting chex systems they refused to give me any information and requested my social security number. I do not feel comfortable giving my social and want verification of whatever this maybe. I have never had a hot check in my life. Please provide information that this is me along with verification and validation of whatever this is.

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 01-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I regularly use Chase Bank 's ATM and Branch deposit services but today I decided to try out their Chase Mobile phone app to deposit a check. With all three services the wording is nearly identical on any disclaimers. Essentially " deposit by the cutoff time and your deposit will be processed that day. Funds will be made available within 24 hours. Any holds placed on the account can affect funds availability. '' With both ATM and XXXX deposits, courtesy funds are made available to the account until the checking funds come through. This is not mentioned anywhere on the deposit slips but has happened every time I have ever deposited via ATM or Branch over the course of several years. There is nothing to indicated when depositing a check through Mobile that it is different from ATM and Branch deposits and courtesy funds are NOT made available. In addition, if you should decide ( say because you are mad about the deception around courtesy funds ) to cancel the deposit, you 'll then learn that you can not cancel deposits placed via Mobile. Again nothing prior to placing the deposit via Mobile mentions these sharp differences between Mobile and ATM or Branch deposits. ( No courtesy funds, no ability to cancel deposits ). The only advice I received from speaking to Chase reps was to essentially present the check at another bank with faster processing which would then force cancel the Mobile deposit as a 2nd presentation. I feel there should be specific wording clarifying the differences between Chase Mobile Deposits and their ATM & Branch deposits. Namely that courtesy funds will NOT be available and it is NOT possible to cancel a deposit once initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges.     Bank on  XXXX / XXXX /  XXXX   {$430.00} was paid off and it was in full so the balance reflected was  XXXX . They stated it was not paid on time and processed  3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from  XXXX  and PAID OFF to {$290.00} plus now interest on top of that.     I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous.     When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the  payment was made while looking at the current live balance at that time in late  XXXX    XXXX  , you know its " paid off '' with a "  XXXX  balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing (   XXXX   XXXX ,   XXXX    ) to m y surprise.     They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a  XXXX  balance like it was in late  XXXX    XXXX  , and move forward.     They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both  XXXX  and  XXXX   XXXX  and both did nothing ...     Now, they want me to mail them thru regula r US  MAIL, and wo n't give me any EMAIL.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: American Express offers a checking account replacement/prepaid card called 'Serve ' which I 've used for over two years in place of a standard debit card and checking account. Two days ago, I initiated a transaction over the phone using the card in the amount of {$910.00}. I gave the card # to a representative of the merchant and hung up, in anticipation that they 'd run my card and delivery my goods. Instead, I got a call from the merchant saying that they 'd tried to run the card and it was declined. After investigating, she realized that she 'd tried to run the card for {$2000.00} instead of the amount she was supposed to. When I checked my card account, I discovered there was a 'hold ' in the amount of {$930.00} - the entire available balance, on the card and the remaining available balance was {$0.00}. From the viewpoint of the merchant, they got only a 'decline ' message and no 'auth ' code. From my point of view, I was charged {$930.00} - an amount I did n't authorize. When I contacted XXXX, they claim the hold was a procedural matter and that it would expire in 7 calendar days. This is now 4 days before Xmas and I was forced to make a SECOND payment to the merchant of the original {$910.00} and after 6 subsequent phone calls to XXXX, I was stonewalled, told there was 'nothing they could do ' and even hung up on by a representative who grew tired of hearing my complaint. 

This ... practice ... must ... stop. There is NO legal basis for a bank, credit card company or prepaid card provider to hold or make unavailable funds subsequent to a DECLINED transaction. It 's like saying, 'well, you did n't have enough room for that transaction ... but now we 're going to hold on to what you DO have ... for 7 days '. HOW has this been allowed to go on? This is unfair to consumers and only pads the assets of big banks and credit providers temporarily at the expense of our finances, cash flow health ... and our sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm currently being harassed b y Navient with making payments. I pay on average {$200.00} week ly. And I 'm trying my best to get out of default. They still call me even after applying a payment.     I currently work   XXXX   shift and it 's disturbing my sleep. They have also called me several times on a private number.     I had called them at  XXXX  and I got connected with a representative. I asked them to stop the auto dialing because I work the   XXXX   shift and its been waking me up. It would t ake 24-48 hou rs and I think its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2014, a car dealership ran my credit XXXX times in 1 day by mistake. They thought my dad was me and kept running my credit trying to get my father a loan. so I never tried to get any loans so my credit should n't have been ran XXXX times. so all XXXX credit inquires on XXXX/XXXX/14 are not mine and should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I spoke with XXXX XXXX with Southern manangement ( an apartment complex where I used to rent back in XXXX ). I called him because it is reported on my credit report that " consumer disputes ''. I am in the process to trying to get a mortgage and this dispute is hindering my efforts. I told XXXX XXXX that I had never been notified of this collection and that I had never disputed this issue, as I was not aware of it. He told me to send a request in writing asking them to remove the dispute, which I did on XXXX/XXXX/XXXX. I asked for a return letter from their company in 30 days, letting me know they had removed the disputed status. As of today, XXXX/XXXX/XXXX, I have not received a letter nor phone call from them and the dispute is still showing on my credit reports.

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 03/19/2017 about Debt collection (Medical) with AR Resources, Inc. (FL) (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: never notified of the debt, straight to my credit now my credit has gone down and collection debt stays in my credit for 7 years?? thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Changed payment plan thru fedloan based on income and on the federal service loan foregiveness plan which only counts if you make 120 on time payments. I have had money directly withdrawn every time for the past 4 years even when changing plans. This time they did not withdrawn payment and indicated had to be done manually. I called as I noticed it has not been withdrawn. This was not clear in letters and is misleading. Had I not called, my payment would have been late and I may not have qualified for the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with SECURITY FINANCE CORP (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received multiple calls to my cell phone from the same number from a company called " Sunbelt Credit '' ( or "  Security Finance '' ac cording to my caller I D ). I  did n't answer the phone but they have left two voicemails so far, in which they asked me have my friend call them back. I am being harassed by a debt collector over a debt that is n't mine.     First call occurred on    XXXX  -2017  at  XXXX   XXXX  EST.   Second call occurred on   XXXX -2017 at   XXXX   XXXX  EST.

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 08/16/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have paid this debt, I pressured/threatened to pay the amount and was promise once I paid it, it will be removed from my credit, it is still on my credit

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