milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Debt collection (Payday loan) with National Financial LLC (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I TOOK THIS LOAN OUT AND I PUT MY MISPLACED DEBIT CARD ON AND CALLED AND PUT IT ON HOLD UNTIL I FOUND IT. THEY TOLD ME THAT ONCE I PLACE A CARD ON HOLD THE CARD WILL BE FROZEN AND SENT A NEW ONE. I EXPLAINED THAT TO THEM AND IT A XXXX CARD I REQUESTED A NEW CARD ASAP, THEY TOLD ME IT WILL COST XXXX DOLLARS. I EXPLAINED TO THE LOAN PLACE AND TELL THEM I AM WORKING ON IT THEY CALL ME EVERY DAY AT WORK EVEN THOUGH I ASKED THEM NOT TOO. THEY GOT ME IN TROUBLE ON NUMEROUS OCCASIONS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Customer service / Customer relations

Complaint: I have a gold amex that was issued with no annual fee. After the first year, I was billed an annual fee. I contacted amex and the switched cards but never refunded the annual fee ( after promising to do so ) and added a late fee. After 5 phone calls, I was advised a rep accidentally switched me to a gold XXXX employees card and they were not able to verify employment so the fee had not been refunded. I advised the rep I am not a XXXX employee and have never been. I am still waiting for the annual fee and late fee to be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On or about XX/XX/XXXX, I was a victim of identity theft. The IRS verified this and sent me a notice. Attached hereto. On or about XX/XX/XXXX, I was a victim of fraudulent charges on a XXXX XXXX credit card. I reported the fraud charges to XXXX, which is the bank used by XXXX XXXX, but they refused to remove the fraud charges. XXXX finally provided me with the invoices that clearly show forged signatures or scribbling of an unknown signature. Clearly not identifiable. Attached hereto. XXXX 's own policy confirms that customers are not responsible for fraud charges. Copy attached. In fact, on XX/XX/XXXX in a telephone conversation with XXXX XXXX, Vice President and Senior Program Manager, she admitted that the charges were fraudulent. I have repeatedly maintained my position that I was a victim of fraud. This is racial discrimination as I am being threatened and having my civil rights violated in order to force me to pay fraud charges. I soon learned that my unblemished credit reports were damaged with XXXX 's intentional of affliction of racial discrimination by reporting false information. It should be noted my credit reports do not show any negative information other than XXXX 's. I disputed the fraud charges and they have not been removed. The credit reporting agencies have failed to make XXXX prove beyond a doubt their claim that the charges are correct. In repeating my position that these are fraud charges, I am losing control of my health. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (I do not know) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I 'm trying to get my own place but every time I try I get denied because of bad credit, I 've had numerous bills in my name I did n't know about that my mothers been doing since I was young she 's used my information for bills that I never had or new about till now she messed up my credit by not paying the bills on time, letting them get sky high, or not paying at all I ca n't even get a home because all the bills I have in my name, when she threw me out she would n't give me my social, my birth certificate, or I 'd so now she 's ruining my credit what can I do about it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Select Portfolio Serving is in Violation of the FDCPA AND MANY OTHER FEDERAL AND STATE AND LOCAL LAWS THE CFPB HAVE THE DUTY OF INVESTIGATE UNDER S.1383- COSUMER FINANCIAL PROTECTION BUREAU ACCOUNTABILITY ACT OF 2015/ SENATE -BANKING, HOUSING AND URBAN AFFAIRS .SPS HAVE VIOLATION NOT ONLY BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE BUT TRYING TO COLLECT MONEY FROM ME A XXXX US CITIZEN WITH NO LEGAL STANDINGS, IN LAST communication FROM SPS FAIL TO TELL ME THIS IS A ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAIN WILL BE USE FOR THAT PURPOSE SPS HAVE MY CONSENT TO RECORD THE CALL IF THE CFPB OBTAINE THA LAST CALL TO VERIFY MY ALLEGATIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: Ally Auto has abused their privileges of collected on accounts. I am currently due for 1 payment and have received daily phone calls from them regarding this. I did speak with an associate and advise that the payment will be made within the 30 days. Nonetheless ; I continued to receive phone calls ; I spoke with someone again on XX/XX/XXXX and advised her that the payments will be made, not setting up a promise. Well, today I get a call from my Brother-in-Law ; whom is not listed on the application, stating Ally requested a callback. How can this happen? Why would they stoop so LOW? 
I 'm seriously taken back, how can they call someone not listed as a point of contact and it 's not even past 30 days. So I called and asked to speak with a manager ; the lady prior said, " it 's how we do things ''. Once the manager got on, I advised him of the matter and he only asked when will I be making the payment. I advised him that we have n't reach 30 days and I spoke with his employee. Did n't understand why they would call someone not listed on my loan. Is their need for an attorney?

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 07/31/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Good afternoon, I am currently enrolled XXXX at XXXX XXXX College and Sallie Mae continues to fail to update my account even after verifying the student clearing house of my enrollment causing a financial crisis. I spoken with XXXX or XXXX Sallie Mae reps who confirmed my name being in the clearinghouse and each time I am told something different. the first gentleman stated that once my enrollment was verified my account would return to deferment. On my fourth attempt to resolve this issue, I call Sallie Mae on XXXX/XXXX/15, I spoke with a XXXX, employee ID # XXXX, I was told by XXXX that schools have a deadline to enter students names in the clearinghouse. My balance went from {$300.00} due to now {$600.00}. She also advised me that it takes XXXX days to clear my name. Which I know is a lie. While attending XXXX University in Georgia, my name was entered into the clearing house electronically and this was never a issue to have to constantly call Sallie Mae for a resolution. Also, XXXX XXXX College financial aid officer stated that names are entered every Wednesday and there are no deadlines. I believe this is a clearly an attempt to collect monies which breach the student loan contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I used my chase/visa card to purchase close to {$50000.00} in merchandise for a company called XXXX. The site is no longer functioning, I can no longer log in, costumer service email and number are no longer being monitored, and I have no means to reaching anyone at the company. I filed a chargeback with Chase but it 's been a nightmare. They are unwilling to help me and it appears there dispute department is outsourced. Its been 45 days and I have not been helped one bit. I mailed a XXXX page document of everything I was owed but I received a letter saying my chargebacks were denied. I dont know what else to do and can not understand why they are not protecting me from companies like XXXX. There are other people who are in the same situation as me, XXXX, and they have already been refunded. Chase is just unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: please note that I received notice in my email that I will be getting free monitoring services of my credit bureau report with Equifax for 1 Year due to the data breach, thereafter I received a link to sign up, which stated to enter my last four numbers of my social security card, when I entered it stated that that a four digit code will be text to me, which never came in. I called the Equifax and was lead to different phone numbers and no one could help me. Why are they sending information to get free monitoring when in fact it does not work. I do n't understand that people from other countries are accessing our personal information that work for Equifax, which to me does not make any sense to have our personal information lead by an individual who lives in another country.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.

Company response to consumer: Closed
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with GLA Collection Company, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a doctors visit that was paid in cash directly to the doctor himself. And I was the last patient of the day and his secretary was leaving he advised me since was a follow up visit I would n't need a receipt. I 've tried to explain to his office that if they would check the time of my arrival and appointment that day along with verifying with the Doctor surely he would remember and not attempt to take another {$40.00} from me which I do n't owe. But they were rude and refused to verify with him or allow me to talk with him directly. With all the time that has now passed the only way he could verify is to check the appointment day and see what time his office staff left against the time I was there to see if my story adds up. It 's only a principle here not the {$40.00} because this could be very profitable if it were a scam used on several unsuspecting clients whom just paid anyway. Besides the co-pay must be paid before you get to go back to see the doctor, which is more proof that I paid or are they trying to say not this one particular instance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/2017 WELLSFARGODEALERASVCS XXXX, NC XXXX RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX 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 11/18/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Using a debit or ATM card

Complaint: XXXX/XXXX/15 : I attempted to withdraw {$100.00} from a PNC bank ATM and only received {$60.00}. I reported the discrepancy and was issued a provisional credit pending the outcome of the investigation into the dispute. 
letter dated XXXX/XXXX/15 : I received a letter indicating that the transaction was processed correctly and the money would be withdrawn from my account. Upon receiving this letter, I called PNC to request the documentation of the investigation and was told that I would need to call to speak with the disputes department. 
XXXX/XXXX/15 : I called to request documentation of the investigation and was told that there was no documentation to be sent and that I could not speak directly with the disputes department. When speaking to a manager, he informed me that PNC saw no error reported by the ATM in question. He said that I could reopen the dispute and it should be resolved within 45-90 days. I informed him that they only had a maximum of 45 days to resolve this to which he disagreed. The manager stated that PNC was doing me a favor by reopening the investigation. He then dismissed my inquiries into why and how the initial dispute was never fully investigated and pushed to have me end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XX/XX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which I have n't really been applying for anything lately. Due to too many inquiries in the last year. Reviewed my credit report with Experian and noticed that I had a total of 15 inquiries. Out of those 15 inquiries, 9 are valid. Please help me to get this removed. Also I would like a credit freeze on my account. Since the data breach with XXXX I 've been getting a lot of random offers. When I know I requested to be removed off of the preapproval list. Even on my XXXX XXXX my credit is important to me. Also I have some addresses on my credit report that 's are n't mines. I have a family member with a similar name I need it removed. 

Address : 1.XXXX XXXX XXXX XXXX, IL XXXX 2.XXXX XXXX XXXX XXXX, IL XXXX Inquiry : 1.XXXX/XXXX-XX/XX/XXXX 2.XXXX XXXX XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX 5.XXXX-XX/XX/XXXX 6.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 non-monetary relief
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My Mother & I have a joint checking account and Money Market account at XXXX XXXX XXXX XXXX. She was defrauded in a Sweepstake Scam ( XXXX XXXX XXXX ) by being told she won and was required to pay the income tax due on the winnings. My Mom XXXX is XXXX years old and  suffers from some mild XXXX XXXX. She was instructed to Mail VIA the USPS overnight checks on XX/XX/XXXX in the amount of {$7900.00} and again on XX/XX/XXXX a check in the amount of {$23000.00} to the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX was again contacted and instructed to withdraw both cash & Bank checks from her account at XXXX XXXX XXXX XXXX and deposit the amounts into various Bank of America accounts : XX/XX/XXXX : Bank check to XXXX XXXX XXXX : BOA Act : XXXX for {$7200.00} XX/XX/XXXX : Bank Check to XXXX XXXX XXXX : BOA Act : XXXX for {$4900.00}

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 07-09-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed this Jefferson capital system account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
<P/>
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
<P/>
Jefferson capital failed to validate this account. This account need to be removed immediately. Jefferson capital system is violating the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Notified the debt collector that the debt was not mine and asked that it be removed from my report 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 03/22/2017 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: While checking my Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies listed below. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove these inquiries from my credit report immediately.

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