milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Multiple times this company has threatened to sue me/file a lawsuit against me for an amount that is far greater than what I owe. Coerced me into giving them my debit card information ( because I was repeatedly told they need to have it on file otherwise the suit would take place regardless ) and repeatedly used offensive language. While on the line with them I was repeatedly yelled at/talked over and told I was wrong. Offered to make payment arrangements with them and this is when I was told they needed my debit card information. I gave it because at that point I was extremely frustrated with the rude and offensive " legal department '' rep on the other line. 
Claimed they sent out an e-mail to me ( which is NOT a legal document ) and then proceeded to withdraw money out of my account WITHOUT my permission to do so. 
Called my bank, had the transaction reversed and blocked the debit card number. 
Called the company back and was yelled at once again that it 's not their fault that I have buyers remorse, they 're going to get their money regardless. 
I informed I am filing a complaint with the XXXX and with the FDCPA as well. 
They kept claiming they would pull up " recorded calls '' and would then sue me and I said fine. 
I understand recorded calls, seeing as I work for a company where every call made is recorded. These will benefit my case because you will hear the manner in which these reps speak to customers and how they repeatedly treat them with disrespect. 
Was then hung up on when I told them my plan. 
Have filed complaint with XXXX and am now filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I had an Auto Loan through Sandtander Consumer USA, they stopped wanting to workout arrangement for payments during my time of financial difficulty. They repossessed my vehicle and sold it at a auction. I sent them on debt settlement offer on XXXX XXXX, 2016, to settle this debt and get it cleared to a {$0.00} balance. It is now XXXX XXXX, 2016, and I have not received a response of acceptance or counter to my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX several times over the last 5 five years advising them, I have been an victim of identity theft and several hard inquiries and items have appeared on my credit report that are unknown. I have submitted several disputes verbally, in writing and electronically. I recently sent them several documents proving my identity case. And XXXX has yet to update my account. I recently filed bankruptcy chapter XXXX due to unknown hard inquiries and items showing up on my credit report. And my chapter XXXX case discharged on XXXX XXXX, 2017. I would like to have my report corrected and updated.

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 09-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (VA).
Issue: Trouble during payment process

Complaint: I took a loan for {$110000.00} with PNC bank on XX/XX/XXXX. I made payments of {$1000.00} a month for nearly three years. In XX/XX/XXXX I lost a well paying job but still maintained my payments as long as I could. The final amount was {$100000.00} on XX/XX/XXXX. 

I started trying to try to make the payments again only to find it was charged off in XX/XX/XXXX. I paid {$14000.00} while not knowing the bank had added the charges below. 
Below is a list of charges post charge off the bank added to my loan : XX/XX/XXXX 1. ) {$4400.00} and 2. ) {$19.00} XX/XX/XXXX 1. ) {$15000.00} XX/XX/XXXX 1. ) {$1300.00} XX/XX/XXXX 1. ) {$1600.00} Adding a total of {$22000.00}. What is extremely odd is I started trying to pay the debt in early XX/XX/XXXX. My understanding is that banks ca n't charge interest on debt that has been written off. I have tried twice to come to a settlement but find their practices invasive and offensive given they treat the extra add-ons as normal. 

There is a discord between what is owed to the bank on the deed ( {$110000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with IMC Capital, LLC (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XXXX   XXXX   XXXX     - I received an unsolicited credit card in the name of my company from   XXXX   XXXX   with a credit limit of {$150000.00}. In addition, no credit terms were included with the card, which violate s TILA.

Company response to consumer: Untimely response
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
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: I purchased furniture ( custom-made ) from XXXX XXXX for over {$5000.00} utilizing their credit card. The purchase took place on XXXX XXXX, XXXX, however, the merchandise arrived about three months later ( XXXX XXXX, XXXX ), which is later than they promised. During this time, XXXX XXXX charged my store credit card a lump sum, asked for payments, and issued finance charges and a late fee for merchandise that I did n't have yet. I disputed having to make payments and asked for the reversal of the late fee. They took away the minimum payment requirement and refunded the late fee, however, they continued charging me a finance charge. I have not been given an opportunity for even one full statement cycle after finally receiving my merchandise to pay this amount without a finance charge. The card has been paid off, however, I was charged a lot of finance charges ( I did manage to get a portion reversed ). This is absolutely unfair, and this practice must stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX XXXX XXXX when you went online banking a message came up that online banking will be closed until XXXX XXXX at XXXX XXXX since that day i have a few Business accounts with apple bank which i can not get login access and I 've been to the local branch like 10 times to get a date for getting access and i was told that  it takes max 2 weeks, the frustration not having access is unexplained in XXXX to wait for online access so long is unheard off, its close to 3 weeks now and still no date for getting access please help me

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax 's website has been borderline inoperable. It is impossible for an individual to use their paid products in a timely manner. I have tried filing a dispute, but the website responds slowly, and occasionally it is so slow, my login times-out, requiring me to start over with what I was filing or managing. I ordered a week-long free-trial of a premium service on XX/XX/XXXX. I attempted to cancel the premium service for several hours on XX/XX/XXXX, and was finally able to on the same day.
I am unable to file a dispute, because when I go to submit disputes, I receive a 404 error page. 

In addition, I have not been able to access my free Equifax credit report for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2015 I looked on my credit report and discovered there was A collection entry on my report that I was n't aware of nor did I know why it was there. The collection agency Eastern Account System reported to all 3 credit bureau that I have an unpaid bill balance to XXXX XXXX for the amount of {$1100.00}. Now The fair credit act states that I am supposed to be contacted by any one that collects a debt against me. I was not no notices no phone calls not even an email. Secondly, I have been a XXXX customer for 9 years or so and still to this very day. No deliquincies on my account nothing. Now how do I have another account with the same company open. Fraud this does not belong to me this should have never been reported and it should be removed right now!! People work had to mintain their lives every single and I do n't need his hindering me from my dreams. You have scarred my credit. My credit has taken a hit because of this and you need to rectify it right now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Billing disputes

Complaint: My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I was giving a check from my brother in law. He wanted me to deposit the check into my account. Since i know he does n't have any deposit account. Before I cash the check, i went to the person that wrote the check and make sure it was n't a fake check. Everything was good. I deposit the check into the ATM. My brother in-law sign the check, since its under his name. I did n't. A few days later i notice my account has been closed. First they accused me of FRAUD. When its not true. The check is 100 % legal. After a few days of investigation. They say they closed it due to me not signing the check as well. The owner of the check went to chase branch to face them that its okay for me to cash the check. I was n't aware i had to sign the check as well. I thought im already giving permission by depositing the check into my account. I very honorable lady. I asked them if they could give me the check back and i will sign it. I was n't aware of the signature. Im sorry of my .mistake but i did n't know i had to sign the check as well. Please help me. Im searching on possible ways to resolve this problem. im not a delinquent. That 's why im doing everything i have to do to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.

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 06/17/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Have been under economic hardship since my divorce in XXXX. I was laid off from work as well in XXXX of XXXX. I am a single mom of XXXX children living at home with me. I have since found odd end work from home jobs and currently have stable and reliable full time employment. I have experienced filings for loan modifications with XXXX XXXX XXXX ( my prior lender ) with the same issues that I now have with the new lender, Bayview Loan Servicing. With XXXX, after ALL of the trial payments were made, I was sent to a notary about XXXX times to have the same new loan modification documents signed, each time saying it was not notarized correctly. Now with Bayview Loan Servicing, my first XXXX trial payments went through and Bayview kicked back my last payment, therefore making me late on the XXXX payment when they had accepted it on XXXX/XXXX/XXXX and then kicked it back XXXX/XXXX/XXXX ( a XXXX later ). So they did receive my payment but want it to appear as though I missed a trial payment so that they could not give me the loan modification. I can see now that mortgage companies would do something like that since XXXX so far have done that to me. I even made a payment after I filed taxes in XX/XX/XXXX this year in an attempt to pay what I could on the mortgage and the Loan Officer XXXX XXXX said that payment could not count towards the trial payment and would only go towards the balance on the loan. I just do n't want to lose my home. I would just like to get the Loan Modification I have been trying to apply for several times in the past XXXX or so years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

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 05/13/2015 about Debt collection (I do not know) with Western Portfolio Assets (LA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A person called me claiming he was law enforcement telling me I owed XXXX. The guy 's name was XXXX from XXXX from XXXX ext XXXX person said I owed on an XXXX I never had. He threatened to sue me and ruin my life. He was very rude, intimidating and told me I need to give him XXXX to make it go away. I told this person I did n't have a card in years. He hung up called my job and tried to get them to garnish my wage without any information, paperwork, or phone number because he said he could do what he wanted and did n't need it. He must have pulled this scam before but my job hung up on him and that is why I am contacting you. another person at XXXX called to do the same thing a week before. Claimed to be from XXXX asset management guy named XXXX XXXX ext XXXX. I am tired of these con artists and have no clue who these people are and how they got my information but I am filing this complaint to stop this type of crime. If it can happen to me it might be happening to someone else. I am not paying people who refuse to identify themselves, have false claims, and is trying to shake me down for money I do n't have

Company response to consumer: Closed
Consumer complaint received 10/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: The XXXX of CA mistakenly charged my checking account for unpaid taxes, which they later cancelled. Wells Fargo refused to refund the charges for the garnishment so my account is negative {$120.00}. ( Please have someone call me that speaks XXXX. A translator helped me submit this complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The caller called my mother 's phone twice and left threatening phone calls. The man ( he did not give his name ) said, '' _my name_ are you going to pick up the phone this time or not? '' When this failed he called my cell phone and said, " XXXX, pick up your phone '' in a menacing manner.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 been sending notarized and certified letters to credit bureau in regards to a identity theft that took place on my credit file. I have sent in a identity theft report notarized and sent certified to the credit bureau and to yet nothing has been done they still continue to ignore this matter I have wrote to the general attorney ( GEORGIA ) just recently

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 01/17/2018 about Vehicle loan or lease (Lease) with U.S. BANCORP (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I had a lease with USBank. It has been one of the worst banking experiences I 've ever had. Their autopay feature never worked, though I tried to set it up multiple times. In addition, every month their web site account summary showed a different amount due ( typically {$0.00} ) than their PDF monthly statement. I never knew how much I actually owed. They often charged late fees even though their web site account summary and payment page said {$0.00} was due. 

All of this is just context for how my 39 month lease experience went. My specific complaint at this point in time is the charge I received on XXXX XXXX, 2018 for Excess Wear & Tear after returning the car. The car had only normal wear and tear -- no accidents, no serious dents, and it was garage kept in the winter. In addition, it was well under mileage -- the lease included a total of XXXX miles, but the car was returned with under XXXX miles. 

Still, after all of this, they 've billed me for an Excess Wear & Tear fee of {$190.00} ( plus {$12.00} in tax ). This does not seem right.

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 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with States Recovery Systems, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I attended XXXX online. This past XXXX 2015, I followed the university 's process and withdrew from my course work before the final withdraw deadline. My academic advisor was XXXX XXXX. On XXXX/XXXX/15, I received an invoice from a collection agency by the name of States Recovery Systems , Inc. stating that I owe {$1500.00}. XXXX ( the account was transferred from XXXX ). I have never received any bills, correspondance, telephone calls etc. from XXXX regarding this " debt ''. I do not believe that I owe this debt as my student loans and grants covered all of my educational tuition and fees according to my last conversation with XXXX XXXX. I also withdrew from my course before the withdraw deadline. Since, I had never been made aware of this debt from the university, I explained to the representative ( she refused to give me her name ) from States Recovery Systems , Inc., that I was disputing the debt she became extrememly argumentative with me and threatened legal action. I feel that I have a right to know about a debt before it is referred to a collection agency. And I have a right to have the debt verified. I have supporting documentation to support my claims. I am suspecting that this is a scam but, if its not, I feel that XXXX needs to collect the debt in accordance with collection and billing laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
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: On XXXX.XXXX.17 my wife made a purchase al XXXX XXXX XXXX located at XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX usd  which she paid with her Sears card. At the time of payment I was offered a card which I received days later. The problem is that the same purchase made by my wife is also being charged to me for XXXX or a same purchase are being charged twice.

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