milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started looking to buy a car in XX/XX/XXXX but to my surprise, I found out that once I met with the salesperson he told me that they ran my credit XXXX times overloading me with inquiries. It shows differently on all of the reports but the dates are in this range as shown below from XX/XX/XXXX through XX/XX/XXXX Had I knew this beforehand, I would probably would not have bought the car. Please help me. No one is going to give me a chance with all of these inquiries.
***XXXX*** -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX XXXX Inquiry fromXX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX -- Ally Financial Inquiry from XX/XX/XXXX ***XXXX*** -- XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX XXXX Inquiry from XX/XX/XXXX-- XXXX XXXX Inquiry fromXX/XX/XXXX ****XXXX**** XXXX XXXX XXXX -- XX/XX/XXXXXXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/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 04/23/2016 about Credit card () with PNC Bank N.A. (PA).
Issue: APR or interest rate

Complaint: Was offered a credit card from my current bank, PNC, XX/XX/XXXX. The offer was 0 % interest until XX/XX/XXXX and 0 % on balance transfers as well. Then an APR would apply after that date. I applied for the card and was approved ; talked to someone on the phone during this process and they confirmed the terms of the card. I transferred a rather large balance ( which I paid a fee for ), then used the card for some purchases. And now they are charging me interest on the those purchases!! I called PNC and they insist they did not send me an offer to what I described - which I know for a fact they did. I have XXXX banking accounts with PNC and have been a customer for 30 years, before they were even PNC Bank. I absolutely would not have opened this card - the card I was using before I opened this one had a lower rate than what they are now charging me. The ONLY reason I did it was because of the 0 % on purchases. VERY unhappy with this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a dispute with a merchant XXXX XXXX XXXX and asked them to stop charging my credit card I had on file as they do not have a way for me to cancel my credit card on their website. I called and advised I do not want their services and to stop automatically billing my master card. They said the would take care of it when I called but said they would not provide me with any confirmation coded as they do n't do that, just an internal note on my account. To make sure my card would not get billed again I canceled that card and was issued a new card number from capital one. As soon as I activated the card this merchant XXXX XXXX XXXX got my new card number without me giving it them and billed my new card. I call capital one and was told they did not give out the information and that master card provided them with the new information. I had to completely close my credit card account. I was not aware anyone can obtain new credit card numbers without the customers connect. I should have the right to stop a billing of a merchant on a credit card if that is what I choose and master card should not have the authority to provide my new car numbers without my authorization. Having to close my account has caused harm to me by hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, XXXX, after canceling my services with XXXX, I boxed up the equipment and took it to the Post Office to return it. The Postman saw where it was going and told me to be sure to keep my receipt as he had heard a lot of complaints from people who say XXXX never acknowledges receipt of returned equipment. 
On XXXX XXXX, XXXX I received a letter from XXXX stating they did not receive the equipment. I explained it had been shipped back and they should be receiving it shortly. 
According to XXXX Proof of Delivery the package was received on XXXX XXXX, XXXX On XXXX XXXX, XXXX I received a letter from a collection agency, XXXX. XXXX, XXXX as XXXX had sent the account to collections 16 days after they received the equipment. I immediately notified the collection agency that I disputed this and sent proof of deliver to them as well as to XXXX. 
I thought this had been resolved, but approx. 3 months ago I found it listed as a " collection account '' on my Experian report. I sent in a disputer letter to Experian. 
I was recently denied a mortgage refi as XXXX still had this listed with Experian as a collection account. I believe the reputation XXXX has with the Post Office personnel is accurate. They do not acknowledge receipt of equipment returned and cause their former customer undue grief by having to " prove '' they returned the items. And even then, they do not correct their error. The costly effects of inaccurate credit reporting causes hardships and stress on people and XXXX should be held accountable for this. I am requesting assistance with getting this removed from the credit agencies and would like to see an investigation into how many others XXXX has harmed. I am attaching the following copies : Drop-Off Package Receipt Proof of Delivery Letter from XXXX Letter from XXXX XXXX XXXX Thanks, 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 non-monetary relief
Consumer complaint received 05/28/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a Mortgage with Chase Bank that is a XXXX account. I was denied a loan modification from Chase many times. I send all of the papers that they ask for and they continue to ask for the same information over and over again. Every time they deny my loan modification. Chase is impossible to work with. Now they are trying to foreclose on my home. I am a VETREAN XXXX. All I have been asking for is help from Chase. There are payments and escrow money missing and ca n't be accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Deposits and withdrawals

Complaint: Bank of America refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Bank of America branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Bank of America account and being deposited into a Bank of America account. If Bank of America will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Bank of America accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. Thank you.

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 06/18/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Frost-Arnett Company (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Frost- Arnett company Account number is XXXX master number is XXXX my balance is XXXX. 

I made arrangments with them to pay XXXX a month and i have been online for a while now on their website, however they made a change when i tried to pay them the XXXX i was paying, the website would only accept a higher amt like XXXX and i could n't pay that at the time, also i did send in my payment by mail for XXXX dollars. I think the broke FDCPA law because they asked for a higher amt to pay online and when i tried to pay the XXXX the website wouldn '' t accept it. ALso because ofthis it was placed on my credit report when i was making payments i dont't think that is right. I have made a agreement and it wasnt honored. that upset me as a consumer. I would like for this matter to be handled. I dont have a issue paying my debt just dont like the way the website forced another amt on me. and had to get a stamp and send a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I had a care credit card for dental service in XXXX. I signed up on XXXX/XXXX/XXXX for a total payment {$1700.00} an agreement to pay {$160.00} for 12 months ( no interest within the Promotion Period ) .with G.E. Capital. It is auto-pay from my Bank checking account. Everything was all set. I did received G. E. Capital 's payment confirmation regarding the transaction was done. Until last month I found out one transaction was n't recognized. it charged me monthly {$57.00} from Synchrony Bank. ( they take over G.E. Capital ). so they did keeping on charging me monthly since XXXX for 4 years. It is over {$2500.00}. when I stop payment on XXXX XXXX. They delinquent my account and place a collection agent. now they demand {$3000.00}. to settlement. I thought it is scam. It 's unfair. Please help me. 
XXXX ( XXXX ) XXXX or 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 monetary relief
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I completed and submitted the package for refinancing my home. This package was completed and submitted in  XXXX  '  XXXX . This package was submitted and received by OCWEN in  XXXX  '  XXXX .     As of this date  XXXX   XXXX ,  XXXX , OCWEN has used the ploy of asking for additional information. Like water from a dripping faucet, they ask one question, you answer that question. Then they ask another question. Now that we have been through every document, OCWEN is saying that they have not received documents.     I am working with/thru  XXXX , who keeps a file of all that I submit. OCWEN has complete access to the  XXXX  files. Currently, they say that they do not have access to the  XXXX  files. Therefore, all submissions go to  XXXX  an d OCWEN. OCWEN contin ues to say that they have not received documents I have sent.       DO NOT SEND MY DOCUMENTS TO OCWEN!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The billing due date is the XXXX XXXX of every month. I opened this credit card XX/XX/2017. Timely payment is made each month via my auto bill pay service the 2nd business day of each month. The minimum payment due is {$78.00} per month and the payment submitted is {$500.00}. This company has charged me a late fee of {$38.00} per month even though payments are consistently received the first week of every month. This billing cycle system is a scam to charge customers invalid late fees. 
Upon several emails via their secure on-line messaging service on the website, I was able to recover 1 late fee, with an offer to adjust my billing due date to the XXXX of each month. Which, I accepted and was then charged yet another late fee. 
This company is profiting off of unsuspecting customers by fraudulent billing practices.

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 monetary relief
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I  contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Access Receivables Management (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am having with my credit report. The account name Receivables was added to my report and was disputed with XXXX on XXXX XXXX, XXXX. The investigation was completed and the account said above was deleted from my XXXX credit report. Later, the account was added back as Access Receivables Management on XXXX XXXX, XXXX. This action infringes on my Fair Credit Reporting Act Rights for Section 605 [ 15 U.S.C. 1681c ( c ) ( 1 ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Credit card : Home Depot Consumer Credit Card I have enrolled in " Auto Pay '' and have authorized Home Depot to withdraw the statement 's balance due amount from my checking account on the due date. On XXXX XXXX, 2015, an Auto Payment was made as authorized. 
Later on XXXX XXXX a duplicate on line payment was of the same amount was withdrawn from my checking account. This was not authorized and the balance due had already been paid! 
The resulting double payment has reduced my checking account balance to a negative amount and has resulted in overdraft fees of {$58.00} and has left me with less than a XXXX balance of funds to pay bills. 
I called Home Depot customer service and spoke with a very nice representative that could see the two payments on my account but after speaking with the Home Depot Disputes department advised me that it will take up to 14 days to refund the the funds. I was requested to to get a copy of the " Bank Transmittal '' form and fax it to XXXX which is the " Existing Disputes '' Department. If I did this I was advised I may be able to get a refund as soon as 5 days. 
I discovered this error on a Friday afternoon. I have not been able to get the transmittal form over the weekend. Now it is going to take many more days to get a refund of my money that Home Depot fraudulently withdrew from my checking account. 
I have had to borrow money to pay the balance of my bills due XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Midland credit Management is stat ing I owe on a  XXXX   XXXX  Bank account in which I have not had. This account was fraudulently opened by someone other that myself. I have had issues in the past of identity theft and ask that since this debt is not mine that it be removed from the credit reporting agencies ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt in full XX/XX/XXXX that was owed to the XXXX. I know the debt was resolved because prior to paying it, my tax return was garnished multiple times. after paying the debt i filed XXXX more returns and it was not garnished. Further more i contacted the IRS to confirm. XXXX/XXXX/16 i received a letter from " Transworld systems inc. '' attempting to collect on the same debt already paid. I have also received auto dialer calls to my cell phone. Upon researching the company i was able to find they have been fined recently and have universally negative reviews among debtors and companies that have tried to use their " services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Automated calls are often and repeated, it states they are from Bank of America, they are looking for an XXXX and XXXX XXXX who have never lived here or have had my number. I have had the same phone number for 15 years. 
One I did speak to a live person and informed him those people do not live here and the calls stopped for a while, today alone, I received 5 calls it was automated, it states if I am not XXXX or XXXX to press 2, I did press 2 and nothing happened, so I hung up, as soon as I hung up, they called again, same message, I continued pressing 2 to show I am not them, still the calls continued to come in. This is not only an annoyance, it is harassment.

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 04/16/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.

Company response to consumer: Closed with explanation