milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (PA).
Issue: Managing the loan or lease

Complaint: I contacted Exeter Finance Corp to let them know I would be making my XXXX XXXX payment on XXXX XXXX. I called on the XXXX and had them debit my checking account for XXXX payment. On XXXX XXXX I received a call from the finance company stating I did not make the XXXX payment. I explained my conversation that I had on the XXXX and explained I made the payment. The customer service person told me it was not on their computer system and took the bank account information again. On the XXXX Exeter took out XXXX car payments which bounced my account. After numerous phone calls to customer service I spoke with approximatley XXXX different supervisors and after approximatley two weeks or so I received the unauthorized payment and the overdraft fees back into my account from Exeter. Since then I have been recieving phone calls harassing me that I have not made my XXXX payment and some of the customer service people are very nasty Apparantly they do not read any of the notes shown on my account. I have emaild and faxed over bank statements as recently as yesterday with no resolution to the harassing phone calls. I have called the corporate office twice and left voicemails with no return phone calls. I am looking for a resolution to this matter. It seems noone can take care of the issue at hand, the XXXX payment has been made and I am receiving harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.
Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX credit cards were stolen and used unauthorized in XXXX XXXX while on a business trip in XXXX XXXX, CA. 

XXXX cards were used at a XXXX club for {$65000.00} over the span of 4 hours ( temporary charges showed closed to {$80000.00} ). I brought {$400.00} in cash but was drugged and missed my flight the next day. I filed a police report of my cards being stolen as well. I did not authorize any of these charges, let alone know how one person could have spent {$65000.00} in the span of a few hours. 

1 card was used at XXXX XXXX for {$8000.00}. The single card after I reported it stolen was immediately refunded within a month after the evidence reviewed did not match my spending history ( ever ). 

The other XXXX cards the bank is refusing to side with me or my attorneys. We received copies of the invoices only 2 months ago after months of demands of details. They had a copy of my license ( which the place took when I first came in to " scan it '' ) and the handwriting and signatures on the invoices which is not mine. I had a weak signature and the banks stance is it is close enough to previous signatures I have provided. The tip and dollar amounts are written in handwriting that looks nothing like mine. 

Additionally many of the time stamps of the receipts are well past the venue closing at XXXX PST ( XXXX/XXXX/XXXX XXXX XXXX ). My credit lines were both used over the limits, and there are no records of the bank trying to call me to verify the large charges. In fact XXXX card was used in a different state that given super sonic travel could not occur that same day but the bank did not call me to cancel the card either. It 's as if they allowed all the charges to go through and see what happened later. Charges of XXXX,XXXX, and XXXX went through without any verification ( where is the security protection )? 

Please let me know if you would like more details. I can see what I am allowed to disclose but I feel this is a violation of FCBA, my credit card protections, and simply providing good customer service. I think other consumers should be aware of this bank and their treatment and lack of any customer service through this event. 

Also the strip club has a history and previous law suits to this effect that the bank is also ignoring ( please see attached for some existing cases in both significantly less dollar amounts vs fraudulent activities ). 

I look forward to speak and hopefully providing additional detail so others can be aware of this situation. 

My attorney is : XXXX XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with GATEWAY MORTGAGE GROUP, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added. 
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I signed up to Credit Check Total about 2 years ago and have been paying monthly due for the services of getting my credit reports and scores, last time i retrieved my report was on XXXX XXXX 2016 and when i tried getting my report today, i was unable to log in and it asked me to call which i did, and the rep asked me some security questions and then informed me that the date of birth they have on record does not match with what i told her now, and she said not to worry and we can get this corrected on her end and she put me through multiple questions which i needed to pick XXXX or say none of the above, when this was done she said let me put you on a brief hold and came back after a minute stating that unfortunately the information i gave them does not match and they best they can do would be for me to wait 31 days and then they can update the system, this is not the first time i hear this XXXX from this company, I had same issue with my wife 's account and my brother had this issue as well, the red flag here is that if i was able to obtain my credit reports time and time over for about a year+ after successfully enrolling in their program by providing all my info, how come that now all of a sudden the system has my wrong date of birth, was their system hacked? is it really that easy to get into their database and mess with people 's identity? or was it that easy to sign up to begin and they dont verify date of birth but release credit reports? 
This needs an in-depth investigation, this is not why we consumers pay hefty monthly fees to deal with companies who are not competent 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 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citi has refused to issue a refund check for the overpaid balancing. Their reason is it is under " security investigation '' Truth in lending actregulation Z, 1026.11. a2, Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ;

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 04-08-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received numerous phone calls from a debt collection company attempting to collect for -- Providian credit card as I found out later. I do not know the name of the company that was calling because they were mispresenting themselves as legal representation. The phone number they ( debt collection company ) were calling me from was XXXX. The message this company was leaving on my phone stated. " Your social security number has been named in fraudulent activity. You will be summoned at your place of employment or your residence, and you will have XXXX counts of fraud filed against you in your county. If you do not respond you will lose all rights to your legal rights. They then leave a case number and the phone number mentioned above to call. When I called the number it turns out to be this Providian credit card account they are trying to collect for, and nothing to do with any fraudulent activity surrounding social security fraud. When I questioned the representative about this, he merely answered " same thing ''. When I asked them to remove my phone number from their list. The representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with PNC Mortgage for the past 3.5 years to get the loan on my home modified. PNC has given me the runaround for a very long time, and they continue to ask for documents I have submitted over and over again. They waited until now, not 3.5 years ago, but now to tell me that they will not review my last packet for modification because the investor on my loan does not participate in government assist programs. I have a government issued loan on my home and they refuse to help me. I 'm divorced and received the house in my divorce, so the property was quit claim deeded to me by my ex husband. PNC refuses to honor the divorce decree and quit claim deed. They are insisting that my ex husband be added to the modification. When my ex declined, they also declined to assist me. I have paid countless agencies to assist me but to no avail. PNC advised that their investor will not allow review of the packet but they refuse to tell me who the investor is. I needed to know the information on the investor so I could appeal to them to remove/cancel the XXXX XXXX sale date on my property for foreclosure. They wo n't help me. Today I received XXXX copies of the same letter dated XX/XX/XXXX from PNC telling me they can not move forward with reviewing my packet because I did not submit the requested information. I have sent the same information over and over every month for the past 3.5 years. Please help me. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, i had financed a laptop for my wife for her birthday from best buy, i put more then half down i think it was XXXX $ around there, then i can back maybe a month or two after and paid it off in full in cash, either i got robbed by the person that was at the counter or best buy robbed me because i paid it off and now its on my credit score. 

NOT COOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

NEVER AGAIN!

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 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this account was never late and was never in collections-please remove and updateAccount nameXXXX XXXX XXXX, FL XXXXNo phone number availableAddress identification numberXXXXAccount numberXXXX .... 

Recent balance {$150.00} as of XX/XX/XXXXStatusCollection account. {$150.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Account paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 01-02-2018 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 have asked Experian on numerous occasions to investigate inaccurate information on my credit report. There are reporting erroneous and inaccurate information for the following accounts. I have requested to know how the reinvestigation of my 4 disputes were verified ( Bankruptcy, Charge off from XXXX XXXX, Closed Account from XXXX XXXX University, and 30-60 day  late payment from XXXX ). They have failed to provide me with this infoelation. They just keep sending notice saying the account remains. I am going to file suit against Experian for failing to verify accounts that I am disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Bank of America,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Bank of America Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by BOA about closing the account and getting a refund. I answered all the questions, but BOA has failed to close the account or refund my money.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: PLEASE HELP! I 've seen were cfpb XXXX XXXX time XXXX I 'm having the same problem with a smaller carlot in Florida. XXXX XXXX XXXX doing business as XXXX XXXX XXXX. XXXX XXXX XXXX has violated the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on my credit that a reposed truck account is still open as of today and it states I 'm over XXXX late. This is a violation of the FCRA. If you read attached documents you will see XXXX XXXX XXXX has resold the truck to someone else who is making payments and XXXX XXXX is the lien holder. I also uploaded a copy of my insurance from XXXX showing the same company was my lien holder. I know it 's a volation of the FCRA for a company to be doing this. Equifax has also not done a real investigation on this matter. I keep uploading proff and Equifax keep allowing XXXX XXXX XXXX to keep in accurate information on my credit report, Which is a major violation for the FCRA. At this point I 'm going to look into legal counsel Against Both Equifax and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company failed to provide document bearing my signature stating I have a contractual obligation to pay them. I want this removed from my credit report Looking at my credit report back in XXXX of XXXX I saw accounts in collections and I never gave any company the right to share my information. One for {$58.00} which is listed on my credit report as account XXXX and another for {$92.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX the XXXX XXXX requesting that they validate the debt AND show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XXXX XXXX XXXX with itemized records showing procedures that were performed stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. I sent a follow up letter on XXXX XXXX requesting this information and they failed to respond within 30 days of receiving the letter. They are in violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: A Collection company is trying to collect from me. The document that they are using against me and as evidence has a signature that is clearly NOT my signature. 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