milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2016 about Bank account or service (Checking account) with DISCOVER BANK (NC).
Issue: Using a debit or ATM card

Complaint: Discover Bank has restricted access to funds on in my account through my debit card. I am unable now to use my debit card for any credit transaction. All credit transaction are being run as " high risk ''. Discover has given very vague explanations as to what they qualify as high risk and why companies are flagged. They have enacted a security system on their card that they state vendors are behing on that requires additional information to be pulled from the card including the pin number. Yet they can not explain what vendors follow these " rules '' I have tried multiple vendors and it was rejected at all of them including XXXX which has some of the highest encryption levels. They are stating that as long as you type in the CVC code number on the back of the card it will work and this is incorrect. Each merchant has requested the CVC code and each time the card is blocked. The only solution they can offer is to call them every time I want to use my card to get a 15 minute window. They reject companies that have my full account number and do ACH transactions but those same companies as flagged as high risk when used with my debit card as a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: Nationstar has changed to Mr. Cooper upon its change it stop receiving my automatic payments from XXXX XXXX XXXX. My automatic payments were sent in on time to Mr. Cooper, but they still refused the payments. I called and spoke to someone who became belligerent and short ending our conversation by hanging up in my face. that young man hung up in my face. The 2nd guy said that he couldnt help me but call back again and make two payments and then the company will allow me to pay future payments ... THIS I WILL DO, but I BELIEVE COOPER IS TRYING TO FORCE ME INTO A FORECLOSURE SITUATION WHILE RUINING MY CREDIT ... THIS IS A CASE OF BULLYING THE SMALL CONSUMERS AND HOMEOWNERS AGAIN ... .I was able to get help but they stated that they could not take my payments and they have charge me an additional excess of {$1700.00} in late fees and interest charges ... this happened once before with XXXX XXXX XXXX ... I barely recovered from that onslaught that gave a settlement of {$57.00} to me as consumer but millions to lawyers as I had to chase congressman and lawyers ... I need help ASAP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX ,  XXXX  and Equifax reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed Chapter XXXX Bankruptcy over 3 years ago, but chose to keep my home and continue to pay my mortgage. I have been making my payments on time, hoping to quickly reestablish my credit after the bankruptcy. Unfortunately, my mortgage companies ( I have a 1st and 2nd mortgage ) have not reported my payment history to the credit bureaus, so my credit score continues to suffer. I requested that they report the history, but both say they wo n't report because the mortgages were part of a bankruptcy. Neither mortgage balance was discharged during the bankruptcy and I continued to make payments all along. My current payment history should be reported to accurately reflect in my credit scores. I 'm unable to refinance my mortgages as a result of low credit scores. It feels like these mortgage companies are holding me hostages by keeping my credit score low due to lack of reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 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: Information belongs to someone else

Complaint: I have 3 times explained to transunion and equifax about INQUIRES on my record that i fid not place and there was a fraud alert on file! They are refusing to remove them even after i sent 2 letters after i called them about the same matter!! They keep saying it is coming back verified but have not produced documentation. Im well aware of the federal case state law that says consumer reporting agencies bear grave respondibilities to ensure accuracy of accounts they report on and and its there responsibility to say more than parroting information recieved from the other source! They have ignored my request to send me documentation in there fes that they used to verify and validate!! And under section 611 ( 5 ) ( A ) of the FCRA they were to promptly delete the inquires. Negligent compliance section 617 is civil liabilty law. And im a litigious consumer and fully intend on pursing litigation if this matter is not taking care of asap!! they have the names of all inquires into which im referring and this needs to be done asap.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company Hunter Warfield is asking for a debt from me and I reached out to this company and explained to them give me a original signed contract with my signature on it stating that this is my information.they sent me back an original signed contract I do n't know where this contract came from with these signatures on it that is not mine someone forged my name on these contracts as well as two other people. I wrote a letter to XXXX XXXX letting them know that these signatures are not mine and can you give me your method of verification how you came up with this information how you did your investigation who you spoke to, and when I wrote the letter to them they did not respond they just sent my information to XXXX in collections also the amount that is on the debt is constantly growing every other week There 's a different amount on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: i had filed a debit card dispute regarding a charge of an extra {$250.00} that i was charged from a hotel that i stayed at, they had given me a provisional credit and then a few weeks later sent a letter to me saying the credit was final. A few weeks after that they sent a letter to me that looked a third grader wrote it, stating they were taking the money back and gave a blank date on when the funds were going to be removed. i tried to discuss this with them but only got offshore customer service which was no help. I would like them to honor their word and give the credit back

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Account opening, closing, or management

Complaint: I applied for a checking account from Key Bank that promised a {$300.00} bonus for making a direct deposit of at least {$500.00} within XXXX days. The bank confirmed that I met that requirement, but denied me the bonus because I had an account with XXXX within the last XXXX months. But the fine print of the offer ( which I will attach a screen shot ) only said I could n't have had an account with Key Bank in the last XXXX months. Nothing about XXXX. I had no way of knowing they were affiliated. The fine print they sent me in their denial email ( which I will attach ) is not the fine print that was on the offer page, nor in the confirmation of account opening. This was a bait and switch, and now I am stuck with the account for at least XXXX months to avoid early closure fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months TransUnion continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Transunion is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Transunion zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, 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 11/24/2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I went into cash my payroll check it is a Wells Fargo check. I handed my valid drivers license and was told I needed to provide a card with a XXXX logo on it. I do not use any cards with XXXX, it 's my personal choice. I was instructed that unless I supplied another card with a visa logo they would not cash my check. I had a XXXX XXXX card with my name on it that matched my drivers license but again they said no. This seems to be an Anti-competitive violation. Putting a Monopoly on XXXX and forcing a consumer to use Wells Fargo or XXXX. The check was a Wells Fargo check, it was a payroll check. I 'm not sure why me producing a XXXX logo card would make any difference vs a XXXX XXXX or even my XXXX charge card as long as it has my name on it. I personally do not think someone should have to show anything but their drivers license or a state ID to cash a check made out to them. This in my opinion is bordering on Antitrust, Anticompetitive and putting a monopoly on XXXX and Wells Fargo creating a competitive law issue. I was at the Wells Fargo Bank at XXXX XXXX XXXX PA, XXXX. I spoke with a manager but she had no name tag and insisted that the XXXX Logo was required to cash my payroll check. My restaurant is located a block from this location and does their business banking with Wells Fargo at this location. I went today XXXX/XXXX/15 at XXXX. Now I have no way to cash my pay check as this " new '' procedure does not allow me to use another merchant to prove my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with North American Credit Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recieved my XXXX report by mail dated XX/XX/XXXX and it was not updated to dispute status after i sent a letter that north american received on XX/XX/XXXX. I look at my updated report on XXXX from XXXX and its showing a back date of XX/XX/XXXX but my hard copy i recieved directly from XXXX says they did not update since XX/XX/XXXX. Im not sure how they fraudulently updated my report to show status of XX/XX/XXXX when a week XX/XX/XXXX on my XXXX hard copy says XX/XX/XXXX. i will be contacting a attorney because i have my prior complaints and my current credit report and also my report from XX/XX/XXXX. What north american is doing is against the fcra. I will attach a copy of my XXXX report hard copy dated XX/XX/XXXX. They did not update to disputed in the 30 days as required by law and are doing fraudulent things with my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written several letters to Experian, XXXX and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX TransUnion Credit report XX/XX/XXXX XXXX XXXX XXXX XXXX have last payment as XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} From XXXX/XXXX/XXXX to XX/XX/XXXX is five years. 
According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 
The entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal I send Transunion and XXXX XXXX a letter telling them that is not my account. 
Transunion send me a letter on XX/XX/XXXX verified as accurate and updated Transunion send me a letter onXX/XX/XXXX verified as accurate and updated

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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Olympic Collection Inc. (WA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have file Pro Se civil case regarding this at XXXX DISTRICT OF WASHINGTON, XXXX. 

Case # XXXX I plan to serve the complaint on defendants in the next two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with PNC Bank N.A. (OH).
Issue: Closing on a mortgage

Complaint: PNC has two mortgages filed with XXXX XXXX, which both mortgages have XXXX balances. We were scheduled to close on this property, as sellers, XXXX XXXX, XXXX, however, have been unable to close due to PNC not providing payoff documents to the title company for these two mortgages. The title company has requested payoff balances to prepare their documents, and I have spoken with the following PNC individuals regarding these mortgages ; XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Followed up with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Received email from XXXX XXXX, XXXXXXXXXXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Stopped in at branch in a.m. for follow up with XXXX XXXX. He was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA ().
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I sent an application for the income driven repayment plan to my loan servicer but the email system of the loan servicer agency rejected the email message and application that I had sent to them. I also have received contradictory information from the representatives that I have spoken to when I call the agency that services my student loans. When I called the loan service agency on one occasion a loan service representative told me that if I sent my application for the income driven repayment plan by email, that the loan service agency would accept my application, but when I called the agency on another occasion a loan service representative informed me, after I questioned him, that he did not know whether the agency would accept my application by email, as an attachment or not. I have also had difficulties in contacting my loan servicing agency by telephone service. I have called the the agency 's telephone number at least 8 times in the last week and on all occasions when I have called them I receive a message that the call can not be completed as dialed, even though I have called the agency 's telephone number, which is XXXX. ( The email address of my loan servicing agency is XXXXXXXXXXXX and the name of my loan servicing agency is Pennsylvania Higher Education Assistance Agency ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cavalry Portfolio Services has sent several letters with regard to a debt that is well beyond the Statute of Limitations for collection according to the Fair Debt Collections Practices Act. The debt can no longer be collected yet Cavalry Portfolio Services is sending letters requesting collection. They are also, showing this item on my Credit Report which has damaged my credit history. In accordance with th e Fair Credit Reporting Act they can not show items still in collections beyond 7 years. In accordance with the Fair Credit Reporting Act, Charge Off 's  may sta y on the Credit Report for 7 years from the date of the  1st deli nquency with the original creditor (  XXXX   XXXX  ) which  is  XXXX  2009 ( see t he attached statement ). Cavalry  Portfolio Services is a third party debt collector that may not " re age '' a debt to suit their needs. Moreover, t hey are not the holder of the original instrument ( the original note ). In accordance with the Law of  Negotiable Instruments, Cav  alry Portfolio Services has no standin g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ascension Point Recovery Services, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ascension Point keeps calling our # repeatedly, sometimes more than 10 times each day. This outfit is trying to contact us about my deceased mothers credit cards. We have done the research on this company, and they try to collect debt from families of the deceased. We have NEVER been a signer/co-signer of any type with her. My wife and I both work XXXX, so this is BEYOND annoying. This has been going on for better than 60 days now. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Rewards

Complaint: I was offered {$20.00} reward incentive to open a Sam 's Club XXXX at the checkout line. At the time I signed up they said that the credit would show up on my first billing statement. I got my statement today and there is no credit! I called their customer service XXXX and was told both times that the credit will show up in XXXX to XXXX billing cycles. Because of the deceptive practices I do not want this card at all. Sam 's Club XXXX is issued through Synchrony Bank. I also have written letter disputing this and have mailed it to them per their instruction on the back of my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2012 me and my husband moved to XXXX. We vacated our house in XXXX which was in foreclosure and still is. The banks were informed we were leaving and they took over care of the property. Now a law firm in XXXX has placed derogatory information on all credit reports for a utility bill after we left. It is possible that a squatter is there but I have no knowledge. I sent them an initial letter requesting verification of this debt. They sent me a copy of a bill after I left XXXX. Additionally they are not licensed to do credit collections in XXXX even though they claimed they are. I also could not find them in the XXXX Bar site. I have also sent out a second certified letter with proof of residency in 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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pinnacle financial LLC has reported the same account of my transition report. Requesting {$720.00} instead of the {$360.00} that I owe. I feel that if I go further they will want all XXXX not the XXXX. 
Can you help me sort this situation? 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation