milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Westlake Services, LLC (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Sold me a lemon vehicle and my kids were exposed to harsh environments told me nothing I could do about it then put me in another vehicle and again the vehicle transmission went out repairs were more than worth of vehicle they repoed the vehicle and resold it on another car lot and still say I owe the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX INQUIRY WAS PLACED ON MY CREDIT REPORTS. XXXX XXXX SENT ME A LETTER STATING THEY WILL REMOVE THE INQUIRY BUT STILL NOT REMOVED FROM MY CREDIT REPORTS OF XXXX XXXX, EQUIFAX XXXX REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: ACH credit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} ACH debit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} Former employer ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX was my past employer in which I quit due to him fraudulently not paying my commissions to me. I had this credit on XX/XX/XXXX for which I thought was previously owed commissions or residuals possibly from an audit etc. <P/>On XX/XX/XXXX without my knowledge, a debit was made for {$1000.00}. I have a joint checking with my spouse with him as the primary. <P/>How is any person/entity/or company authorized to debit my account anytime they wish without my knowledge or consent! I tried contact JP Morgan Chase and with no results or answers. <P/>I contacted my former employer and he referred me to the XXXX XXXX XXXX and again received no answers. <P/>No one in any of these parties had my or my husbands authorization to withdrawl funds from our bank account. No one having my account or routing number is authorized unless I give permission to withdrawl any funds that I have in any of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Bank account or service ((CD) Certificate of deposit) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016 paypal has limited our business account due to the fact that there was a charge back from our client. After speaking with the client who stated he " accidentally '' disputed the charge on thi credit card because he did not recognize nor ever done business with paypal who 's logo was displayed on the bill instead of our company logo. 
Client 's credit card bank XXXX then reversed the disputed charge, deducting the amount from our client 's account and crediting back to paypal ( see attached letter form the bank ). Paypal however claims NOT to have received these funds and is demanding us to cover the negative balance on the account. Our numerous attempts ot resolve this issue with paypal were ignored. We were told to wait 75 days then 90 days and still money is missing ... When requesting a further audit and search for the funds we were told by XXXX that she 's the top fo the food chain and this issue can nto be escalated any higher .... 
please help this is unfair collection practices and wrongful termination of the account case, as well as sabotage of the existing business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Payday loan () with Dynamic Recovery Solutions, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: This PayDay Loan was paid multiple times with increased fees and interest. I refused to pay the last balance and will not pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 0nXX/XX/XXXX I found a derogatory collection account filed on my credit report.
caine & weiner filed it against me for retailer XXXX XXXX.
however I never owed XXXX XXXX any debt or did not complete a transaction with XXXX XXXX during the time period in questionXX/XX/XXXX.
i called XXXX XXXX and started a fraud investigation against caine & weiner and XXXX XXXX told me that tgey do not use 3 party collection agencies this company has over 100 fraud complaints with the BBB for putting fraudulent derogatory collections on credit reports.
caine & weiner collections XXXX XXXX XXXX XXXX XXXX ca XXXX  XXXX XXXX or XXXX XXXX XXXX suggested I file fraud reports with law enforcement and i have done so.
XXXX XXXX XXXX automated system option 3 option 1 XXXX fraud case number i have file a police report lvmpd fraud report atty general fraud.org naag.org ftc.gov ic3.gov.
this scammer crime goes after the eldery i

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: As a XXXX XXXX, I receive funds for XXXX XXXX. A customer paid with certified funds which the bank informed me the certified funds was counterfeit, I filed a police report which provide all information about the client that issued the fraudulent form of payment for work rendered. 

After that I conformed to pre paid cards to avoid such situations. 

I went from being an XXXX XXXX to having my XXXX XXXX. Todyay I tried to open an business account and was informed that the situation I thought was handle in 2014 was 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 09/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Other

Complaint: MY CREDIT CARDS WITH CAPITAL ARE RESTRICTED DO TO NO PAYMENTS MADE, I HAVE NOW PAID THEM CURRENT OR PAID THEM TO XXXX AND THEY REMAIN RESTRICTED. AND THEY DO NOT WANT TO TELL ME HOW I CAN GET THEM RESTRICTED OR IF THEY WILL CLOSE, ALL THEY SAY IS THAT THE SYSTEM WILL DETERMINE WHAT WILL HAPPEN TO THE CARDS. I DONT WANT TO CLOSE THEM SINCE IT WILL DAMAGE MY CREDIT MORE THEN IT ALREADY IS, I MADE THE DRASTIC PAYMENT AMOUNTS SO THAT I CAN USE THEM TO HELP ME REBUILD MY CREDIT. BUT IF THEY ARE GOING TO CLOSE THEM, THEN THEY SHOULD DISCLOSE THAT NOW SO I CAN DETERMINE WHAT I NEED TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I complaining to the services of you good office to kindly help me resolve the predatory, nature surrounding getting the help I need for a loan modification with ditech, LLC. And returning to me my mortgage payments made to them. Ddetech, LLC informed me that they were legally in charged and have taken over my mortgage. Among the statements mailed to me, the statements dated XXXX/XXXX/2016 ( {$29000.00} and {$30000.00} respectively - including a letter to pay my own owner Insurance that is mortgage inclusive but not limited to XXXX conformation letter completed the Hope Modification I have asked for. to date I need answers to support my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: The XXXX breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 
Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.

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 03-11-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WI).
Issue: Making/receiving payments, sending money

Complaint: I opened a business bank account and later I decided to open a merchant account. I was n't informed that the bank decided to open a merchant services account. 
this included a 36 month credit card machine lease, # 2 included gift cards and credit card machine. I DID not ask for merchant services. I even got my business name changed and also my name was changed five ( 5 ) times. Two people were on a business billing statement. They even sold my fruadulant accounts off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I was made aware of an investment and checking account with a related NSF for {$14000.00}, that had been opened with USAA in my name and Social Security number from correspondence received from USAA on X/XX/17. Since X/XX/17,  myself and my recovery advocate that I 've been assigned to help resolve this ID theft case, have made over 10 conference calls and mailed and faxed four copies of my fraud packet containing an FTC Affidavit, police report copies of USAA 's correspondence and proof of my ID, Social Security number and address. I have not received USAA 's cooperation or communication back in an effort to properly report and assist USAA with addressing these these two accounts and NSF check caused by ID Theft. This is the content of the cover letter with the limited power of attorney for USAA to communicate with my recovery advocate as well. USAA C/O Financial Crimes Division XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Regarding : XXXX XXXX XXXX XXXX Member # XXXX USAA Investment Account Ending XXXX USAA Checking Account Ending XXXX Per my conversation with USAAs Investigations Department, Ive enclosed a notarized limited power of attorney, FTC Affidavit, proof of ID, Social Security number and address. The above referenced account is a result of identity theft ( ID Theft ) and has been included in the XXXX XXXX Police Department report # XXXX as such. The identity theft case has also been filed under case # XXXX with XXXX XXXX XXXX XXXX XXXX. Im requesting on behalf of my client, XXXX XXXX XXXX XXXX, that USAAs records indicating XXXX XXXX XXXX XXXX identifying information to be coded as ID Theft, as she has never had a relationship with USAA. Also, that USAA inform the IRS of the related ID Theft case and retract all related USAA reports which have been provided to the IRS or other entities. Please forward an acknowledgment of the receipt of this fraud packet and resolution of this matter to ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015, the XXXX & their associates @ XXXX in XXXX, MO, failed to follow their protocol for obtaining pre-authorization ( s ) for my XXXX. 
They were notified by my Insurer, prior to my XXXX, that their requested pre-approval was DENIED, but they told me they had obtained the required approval ( s ) and they proceeded with my XXXX without notifying me of the DENIAL. 
They have since persisted in billing me for the XXXX, but have declined to persue their claim in court. Instead, they are attempting to extort me into paying money I do not owe - for their mistakes - by damaging my credit rating by filing Negative Reports with the credit bureaus thru XXXX!

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry on my report that I did not authorize from XXXX XXXX  XXXX XXXX dated XX/XX/2017.

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 01/20/2017 about Student loan (Federal student loan servicing) with Dream Center Education Holdings (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Im having issues with paying back my loans XXXX of the schools I attended wasnt accredited.. XXXX XXXX wasnt accredited and they messed up my financial aide. XXXX sped me through the process and I didnt learn anything from them..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: I have several XXXX credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids IDs and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving repeated calls at my workplace from the phone number XXXX. In the last week, they called on XX/XX/XXXX at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, and XXXX, when I was finally in my office and I answered the phone, there was no repsonse, and they hung up. I returned a call at XXXX on XXXX/XXXX/15, and found that the number was for a Dillard 's credit card provided by Wells Fargo. I have never had a Dillard 's credit card. The system asked for an account number, and eventually ( when I did n't provide an account number, since I do n't have one ), I was connected to a representative, I provided the work number, she verified that I do n't have an account, and said a note would be created and the phone number would be removed. I then received additional calls from them at XXXX and XXXX on XX/XX/XXXX. Today ( XX/XX/XXXX ), I tried to call at XXXX to again request for the calls to stop but was told by the system that call volume was too high and they could n't answer my call. 

I have worked at this college since XX/XX/XXXX, so it is possible they have the number from whoever had the extension before me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with JPMORGAN CHASE & CO. (OK).
Issue: Balance transfer

Complaint: There are XXXX credit cards with Chase, obtained for airline miles. We typically use a single check to pay off the XXXX credit card balances, including the deposit tear-off sheet in the credit card balance. for some reason, XXXX account received all the credit, leaving the other XXXX with balances. Three written requests were made to Chase to transfer the surplus money in XXXX account to pay for the charges in another. On XX/XX/2017 we were sent a letter. By the time we received the letter, on XX/XX/2017, Chase was threatening to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: I have been banking with Wells Fargo Bank for almost 2 years now and they have always charged me with insane fees. When I make a purchase, the funds get taken our of my available balance but their system manipulates it to where it goes back to your available balance and at a later date they take it out making it look like you made the purchase with no sufficient funds. It is designed to make you overdraft your account and so they can charge you {$35.00} NSF for a {$4.00} transaction. I have receipts of when I made the purchases that caused me XXXX charges of {$35.00} and I should't have been. I called their customer service and they wanted to just tell me how the system works instead of helping me out so I do n't have to make the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I check my credit on a daily basis due to possibly identity fraud. I viewed my credit today and on it appeared a account from a collection agency that has never made contact with me or sent a written validation notice as required by the FDCPA. I was not given the option to dispute this debt as required by law I have 30 days. Instead it was immediately placed on my credit file with  XXXX  and  XXXX  causing the denial of shelter for me and my family. My rights have been violated under the  FDPCA and I will be contacting the Attorney Generals  office in reference to this.

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