milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Problems caused by my funds being low

Complaint: I am a new customer of Suntrust bank. When offered, I opted into overdraft protection, assuming there would be commercially reasonable terms as I experienced with XXXX XXXX XXXX applied to my account. In fact there were not. They charged are total of {$140.00} of fees to me for transactions that had, in fact, overdrafted my account by {$42.00}. When I called, they said they only charged fees for transactions over {$5.00}. XXXX of the fees they charged in fact violated that policy by being for {$3.00} each. They voluntarily refunded XXXX unspecified fees as a matter of courtesy. There policy is n't in line with XXXX XXXX XXXX, which exempts transactions under {$10.00}, and XXXX goes out of its way to notify you that your account has been overdrawn via text message and e-mail. Clearly, Suntrust is out of line with public policy, and their checking account contract of adhesion is out of line with the common law in this country. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance. This is clear they did n't properly investigate my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries  need to be removed from my credit report immediately. Thank You, By : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 contacted Experian numerous times filing multiple disputes via online and over the phone regarding inquiries recorded on XXXX XXXX, 2017, XXXX by XXXX, another by XXXX not authorized by me. Experian has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding XXXX delete the inquires immediately. 

Additionally, I have disputed an account on my credit file listed as XXXX XXXX, account number XXXX. This is a derogatory account that is not mine, I have no knowledge of and have tried for months to have it removed from my file. It is showing as a closed account with a balance of $ XXXX. I have asked Experian to provide written documentation validating this account and they have been unable.The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. I am demanding this account be deleted from my credit report immediately. I have never had an account or contract with XXXX 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 06/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XX/XX/XXXX I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XX/XX/XXXX Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XX/XX/XXXX I resent the original request from XX/XX/XXXX to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XX/XX/XXXX I  received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XX/XX/XXXX requesting signed application ( ATTACHED ) 4. XX/XX/XXXX I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XX/XX/XXXX again Portfolio Recovery sent me the same letter sent on XX/XX/XXXX instead of sending me the fraud packet I requested on my previous letter to them on XX/XX/XXXX ( ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Other bank product/service) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: I had a debit card of Peoples Bank to use their ATM machine to obtain cash. 
My debit card expired and they sent me a new card which I used XXXX times. 
Then in the mail I got a bill for my XXXX transactions and a XXXX advance charge. 
I then found out at the local branch, Peoples had sent me a credit card instead of a debit card. 
I think I should not have to send Peoples {$20.00} because of their mistake. 
After a few hours on the phone a service person did refund the {$10.00} of the first transaction. 
Also I wonder how many other customer had to pay the same for the banks DUMB mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with Ascend Consumer Finance, Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan. They declined the loan based on the numbers I provided, which they have every right to do. However, they did n't tell me they had made that decision. Instead they did n't tell me they had made a decision, and asked me to send them a lot of financial information. These requests would be okay if they were still deciding, but once the decision had been made, it should have stopped. These requests continued for 2 days after they had already decided, and they refused to explain this to me when I asked about it after.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: been paying for years and amount not going down. cant afford and live at the same time with what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Bank account or service (Checking account) with DISCOVER BANK (MD).
Issue: Problems caused by my funds being low

Complaint: I do have a cash back checking account with Discover bank XXXX XXXX XXXX XXXX, UT, XXXX, and the XXXX number is XXXX and the account number is XXXX ). The Discover bank mistakenly input my bill payment amount as of XXXX dollars paid to my Discover Card on XXXX XXXX, 2016. The statement balance of my Discover card is just XXXX dollars. Apparently this transaction is voided. But, Discover bank billpaymnet service provider XXXX tried to withdraw the invalid fund from my cash back checking account with Discover bank twice on XXXX XXXX and XXXX, 2016 without my knowledge, which led to insufficient fee charge of XXXX dollars against my cash back checking account on XXXX XXXX, 2016. I need Discover bank to return the insufficient fund fee charge of XXXX dollars posted to my account on XXXX XXXX, 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The company is Equifax. I have a chapter  XXXX  on my report from   XXXX   I have done a lot of research and for a   XXXX   XXXX   it should have been dropped in 7 years. I have gone to Equifax several times to take this off my record, but Equifax will not. This has been taken off the other  XXXX  main credit companies. I would like for your company to have this removed from my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Situation : I have has couple of Chase bank accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted Chase bank on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then Chase bank will collections called me, I explained the situation they noted the account. Then they sold the debt to XXXX, who seems to be very aggressive. Tried to sue me for all the accounts from Chase. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland XXXX started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then XXXX places to other bureaus. Then I need to complain there and get it removed. XXXX XXXX is like XXXX, once XXXX portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw XXXX only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the one that they are actively reporting after 6 months of re-investigation with no results : 1 ) Balance was positive XXXX 2 ) Charges were XXXX 3 ) In the end i was owning Chase bank XXXX 4 ) XXXX reports and demands for {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have recently received repeat calls from XXXX regarding an account. I have never did had or requested an account with XXXX. I refused to give the caller any of my information. I then started to receive calls from Florida. Today I received a catalog for camera and photo supply at my home today, so i decided to run my XXXX credit report. I use the XXXX free report. I noticed there appeared to be an attempt to get a JC Penny card closed XXXX years ago reported as stolen last month. I have not had any business with the credit department of JC Penny so many years I can not remember. I believe sone XXXX is attempting to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a eviction notice in my record. I am placing a compliant about misinformation on my record that the eviction should have been removed. I have attached documents on the case where the records indicate that the case has been dismissed and should have never been in my record. Please contact me as soon as possible. I 'm in the middle of relocating to a new home however this issue is with holding me from proceeding.

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 06/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I have applied to Wells Fargo on XXXX occasions for assistance with my Home Affordable Program Request. The first time when my wife passed away and now this year. This time over a years worth of documentation. I was never served that a foreclosure process was started even by the officer on the account. I was never given an option for a deed in lieu of foreclosure, a modification denial or approval which is illegal and of course now I have placed the property on the market for sale. Please assist and protect my rights that is afforded to every consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX, I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for " autopay '' that will start with XX/XX/XXXX payment, and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday, XX/XX/XXXX, I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called " immediately, '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover, they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention, that they owe homeowners like me an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I have never personally applied for a payday loan. A XXXX years back I was living with my ex boyfriend and was immediately made aware that he was making fraudelent purchases without my consent and got all of the purchases credited back to my bank account. I do n't know if he applied for a payday loan at that time because this is my XXXX time hearing about it and I currently have no way to contact him but I do know I 've never personally applied for XXXX. The reason I 'm filing this complaint because I am now being harassed by a collection company on behalf of Ace Cash Express and threatened to be sued for a payday loan I never applied for. Furthermore they are now harassing my father who is ill and worrying him about the matter to the point where he contacted me very upset. When I called the collection agency their primary focus was to intimidate me more into making an agreement and could n't provide me with any information about the loan other than I was going to be sued and served tomorrow if I did n't make a agreement today. The calls to my relatives and the harassment needs to come to an immediate end:

Company response to consumer: Closed
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard was supposed to be down for routine maintenance for a few hours on XXXX. These few hours have turned into DAYS! I have no access to my funds. My card shows a {$0.00} balance ( which is incorrect ) When I can get into the website once every XXXX attempts ) it is showing a double posting of my transactions and random processing debits. When you try to call Rushcard customer service ( got the number from the back of my prepaid card ) their the number says out of service '' I have a child to feed and bills to pay and have had no access to my money since Sunday!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United PanAm Financial Corp. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: American Express has been letting a ring of thieves charge my old card number which expired years ago. They have submitted thousands of charges that appear as non-US XXXX locations on my bill, that appear to be either from XXXX, the XXXX, XXXX XXXX, etc. I have spent 50+ hours since XX/XX/XXXX on the phone with Amex Customer Service and Amex Fraud Dept . They can not get the amount of the credits right. They credited me {$770.00} for the XX/XX/XXXX-XX/XX/XXXX statement, but the fraudulent charges are more than {$2100.00} on my bill. I need your organization to make them stop the insanity of this and do a full audit on all of the fraudulent charges, and give me the full amount of credits that I deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.

Company response to consumer: Closed with explanation