milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: This was the email I received from PayPal as I have disputed unauthorized charges and I have filed a police report PayPal Protection account so that they would take care of the matter for me I spoke to XXXX they cancel the card they received the police report and reissued me another card with and stated they would help me PayPal has lied to me about helping me and sent this email to meDear XXXX XXXX, Your PayPal account has been limited due to an excessive number of reversed transactions. 

As a result of this limitation you ca n't send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection. We understand this may be disappointing, but you can continue to pursue resolution directly with the seller. 

If you require additional assistance, or have any concerns, feel free to contact us directly at XXXXXXXXXXXX. 

Thank you, XXXXPayPal Protection Services DepartmentXXXX, I just received your email, I am protected by law from fraud and identity theft I have provided a police report I have explained my situation to you as in eBay and XXXX I will be contacting the Consumer Financial Protection Bureau and filing a claim through them, unless you help me resolve this matter as I was told by XXXX that works in your department that the matter would be taken care of and that you would be working with XXXX to help me with this your email as it is noble and I except the professionalism it is still unacceptable identity theft and fraud is a very serious matter one that I will prosecute to the fullest extent of the law As I am a victim of identity theft and fraud you may contact me at area code XXXX XXXX XXXX XXXX where you make contact me through my email. But I will be filing the claim with the Consumer Financial Protection Bureau a response is requested and required thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I owed money to a credit card company called XXXX XXXX in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE XXXX XXXX AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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: I have filed a number of disputes with Equifax regarding erroneous information appearing on my credit report, specifically a " charged off '' balance of {$XXXX} from XXXX XXXX XXXX due to identity theft. Each time they have responded back with a resolution putting the information back on my credit report, simply stating that the company has verified my identity and correctness of the item and told me I need to contact the creditor, though the account number that Equifax has given me does not exist when I call the creditor, therefore I am in a Catch XXXX regarding this item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I attempted to close my checking account back in 2016, around XX/XX/XXXX I contacted the bank through the online banking and was notified that I would need to contact my local branch. I contacted my local branch and was notified that I would either need to go in person or send a written letter requesting the close. I opted for the latter. I recently discovered that they either never received my letter or never processed the request. As a result, my account remained open. Moreover, my account has been moved to " dormant '' status and I have been assessed monthly fees, with more about to come. I again contacted the bank to close the account. This time, they notified me that since my account is in " dormant '' status, I would again need to visit in person or send a letter. As I have already attempted the latter, can not do the former, and with the clock ticking before the next monthly fine comes, I seem to be out of options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Try to fix with then but refuse to help But all fraud charges agains 6 month This item need to be removed from my credit report. 
This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: This is an electronic complaint about a letter that was mailed to me from the Executive Office 's XXXX XXXX on XXXX XXXX, 2015. I understand that my payment for my account ending in XXXX is late, but Chase violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. ( " TCPA '' ), by making automated telephone calls and sending text messages to my cell phone, including Collection Calls and Automatic Alerts, in connection with my Chase credit card, without my prior expressed consent. I am actually a member of the XXXX TCPA Settlement against Chase ( XXXX v. Chase, Case No. XXXX XXXX, and expect Chase to eliminate my debt and credit to my personal checking account all applicable FDIC penalty fees ( " The banking agencies have the authority to assess CMPs against financial institutions or individuals for violating fair lending laws or regulations. Each agency has the authority to assess CMPs of up to {$5000.00} per day for any violation of law, rule or regulation. Penalties of up to {$25000.00} per day are also permitted, but only if the violations represent a pattern of misconduct, cause more than minimal loss to the financial institution, or result in gain or benefit to the party involved. CMPs are paid to the U.S. Treasury and therefore do not compensate victims of discrimination '' -FDIC ). In addition, XXXX of your representatives has told me that one of my former relatives who has nothing to do with my finances ( I legally became an XXXX when I was XXXX years old, and am possibly in the process of becoming an XXXX ), was able to obtain private information about me without my consent. By anyone 's definition this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with UMB BANK, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else. 
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity. 
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process. 
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain 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 02/26/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls excessively. Roughly every hour even on weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I called transunion to file a dispute on account XXXX via phone on XX/XX/XXXX ; due to my inability to do so through transunion online dispute portal. I have been unable to file a dispute online for a few months now. I told the call representative about the problem and she asked a few security questions and told me i should be able to file online from this point on. However, i have went online today XX/XX/XXXX and still unable to file a 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 07/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the month of   XXXX , COM ENITY BANK/VICTORIASECRET reported that I was 30 days late on a monthly payment. I never received a statement from the merchant. They admitted to their mistake and I made a full payment immediately, once I was made aware of the past due balance, they even removed the late fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: BECAMER  XXXX  TOLD BANK TO ACTIVATE THE INSURANCE AS I HAD A   XXXX   XXXX   XXXX   BANK INSURANCE SHOULD PAY IN FULL THEY DIDINT THEY COMMITTED FRAUD

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 11/24/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: Huntington Bank took over XXXX dollars from my accounts and left me with a XXXX balance with no warning or notification. The representatives were very rude in informing me that the money was taken for an offset from the previous year. This left me in a very precarious situation as I was unable to maintain costs for work and home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Capital One initiated another account in my name and did not tell me or send a bill that this count existed resulting in a 30 late reporting to the XXXX credit bureaus, XXXX, XXXX and XXXX XXXX. I have since closed out the account, but it is still showing 30 days late and affecting my ability to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have had many unauthorized charges on my joint checkings and savings account over the past three months ( XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX 2017 ). Over these three months, I have changed my account three times and have received several temporary cards. However, in XX/XX/XXXX, when I called customer service because my card was not working they told me that the card information I was providing them with did not match the information on their system. I then had to physically go to the bank to speak to a representative and get reissued another card. The card I received at the bank did work. 

I then continued to see unauthorized charges which led to a constant overdrafting on my account. I have not been able to pay my bills on a regular basis because of the unauthorized transactions that have left me with insufficient funds. 

I closed my joint checking and savings account completely approximately around the first week of XX/XX/XXXX and then opened up a checkings account around that same time. However, I still saw unauthorized charges on the new account so I requested a new temporary card on XXXX XXXX, 2017. 

While Wells Fargo reversed the charges that were unauthorized, there was a delay in getting the funds reimbursed back into my account which affected my ability to pay my regular bills.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have many inquiries on my credit report from XXXX, Equifax, and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Involves AARP CHASE Credit Card Services. In  XXXX. I transferred my balance to another banks credit card. They, themselves initiated another account on me and allowed charges up to $ 3,000.00+,  documented credits but i had not paid anything since filing dispute after I struggled intensely making 8+ calls of which I talked to at least 5 people each time spending up to 45 minutes with only leaving voicemail with management who has yet to return 4 voicemails from me during the past 4 months. Everyone is confused and passes my problem on and on between fraud and identity departments. 
I 've talked to at least 15 different reps.and have left my last voicemail to management on Thurs. XX/XX/XXXX ; none returned. 
I now wait on them to contact me. 
However, they have reported to my Credit Reports Co., XXXX that catgorize under failure to make payments. POOR in red ink is attached. 
Again, I did not activate this card and I want to know why I owe them {$3000.00} or another time {$1800.00}, or another time XXXX, etc. There is obvious very much confusion on every ones part ... .except me!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: First off, Bank of America closed my account after a perfect payment history, claiming my line was being used too much. I accepted this, but then when I attempted to retrieve points, which I earned, I was told the account was closed and I was getting nothing because of it. If the agreement contained information about getting points and redeeming them for credit to my card or other things, I think I should get this. In addition, I was told I had a ZERO interest rate on my account for almost 2 years and I have been getting charged interest each month since they closed my account. I want to know why they can break my agreement, not give me the credit I earned and charge interest on something that is interest free still?

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 05/31/2017 about Student loan (Private student loan) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To the lengthy respons  e from Works and Lentz, which failed to address as to why has it taken them almost two years to contact me regarding the debt again ; then having your collector tell me " its your debt, not mine '' ; as much as is my debt, you guys want to collect that money back for your client, right?
Also, why would your collector tell me is not their fault they might not have the correct contact information for me?
Works and Lentz job is to collect money back for the clients they represent and track them down if necessary.
Also, as the Works and Lentz represe  ntative said in their response when first spoken to me back on  XXXX   2015 , I mentioned this debt to be consolidated with the rest of my  XXXX  account if they knew that was not going to be the case why did they not mention anything?   I am still beyond upset at the   way this debt is being handled.
Its alarmning to know companies like Works and Lentz are still in business especially with the reputation they hold in their industry.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: PNC Mortgage did not process my request for hardship assistance for this reason : " The accepted documents was not received within the required timeframe. '' I confirmed the receipt of all documents with PNC Mortgage, and each time I received a printed and / or verbal confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX alleged fraudulent activity on a checking account and closed it without cause. I called XXXX XXXX XXXX to address the situation and it seems they have not been willing to help. They reported the negative and inaccurate information to Early Warning Services, which has had a negative impact to me doing business with other banks. I even sent several emails to the CEO with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX    XXXX   and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.

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 10/27/2015 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.

Company response to consumer: Closed with explanation