milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alliance one is continuing to report XXXX different collections that do not belong to me. They continue to ruin my credit. I have continued to dispute the accounts with the credit bureau and they come off but yet Alliance One continues to re report. The accounts are reporting without a social attached to it. There are several XXXX in this household and Alliance one continues to report the account without personal information just name and address. This complaint should serve to alliance one as a debt validation letter and I am requesting the following documents. 

*Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect*Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor*Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes*Provide a copy of an original executed contract that contains my signature, where I agreed to this debt and my personal information where it shows it belongs to me. 

I have sent Alliance Onel several letters certified mail that I have proof for and they continue to ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: 1-I received a check in the name of my company and deposited it with my XXXX, All right until here. Then I kept the check in my wallet XXXX went to church 10 days later, I forgot that I bring the check in my wallet. I always deposit a personal check of offering, for confusion I deliver the check of the company ( Already deposited and collected XXXX instead of the personal check. 
3-The church deposits the check and my bank XXXX Wells Fargo XXXX pays it and withdraws the money from my account. 
4-I 've spent weeks trying to make the bank understand that everything was a mistake and there is no way to get my money back. The methods that the bank has suggested to me are like a comic movie. ( Go to the church ..., bring the one who gave you the check ... XXXX, I 'll call you tomorrow, .... We 're investigating .... Why you cashed the check 2 times ... XXXX 5-Wellsfargo must to return the money to my company simply because the check was directed at the company, not at the church. The bank should never pay the check to the church. In addition to that, the check had already been deposited and collected by the legitimate owner : My company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have notified and for months telling my original loan servicer AES/PHEAA, And current servicer, US Dept of Ed, Direct Loans, that these student loans dated XXXX, and XXXX, 4 loans, are not MINE. The XXXX  website is not correct. 1. It shows I withdrew XXXX, I graduated XXXX ; 2. I was in school XXXX, date they begin collecting on loan.date do n't match. 3. Amounts do n't match my loan papers for any of these student loans. 4. The grant amounts DO NOT match my loan documents. 5. XXXX list XXXX XXXX XXXX as Original Lender of these Loans. XXXX XXXX XXXX confirmed THAT they have NEVER given me a student Loan, or any loan, EVER. I have requested Many XXXX times AES/PHEAA provide me the original 4 Promissary Notes showing these loans are mine. They can not after taking months to search, and simply keep sending me the consolidation promissary notes in XXXX. I told them numerous times get my name off these loans and return my money, but they are intent in making me repay someone else 's loans. The phone number of the owner of these loans is n't even a phone number I ever had, but I know whose number it is, my classmates, who also got student loans as well. Do I seriously have to take them to court and obtain a court ordER to force them to correct their mistake that they know they made? I 'm sick of getting the run around while they have seized over {$12000.00} from me to pay some on else 's loans. I paid my loans off years ago, in XXXX. I told them that, but they do n't care. The original principal was {$XXXX}, They seized over {$14000.00} from me Balance owed today is > {$XXXX} That 's absurd!!! I have my originAL loan documents, even sent them several times to both AES/PHEAA and Direct loans/us dept of Ed, requested they to get my name off these loans but they refuse to do anything. Please help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. Equifax, XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX XXXX I never received any form of documentation from the original creditor or XXXX XXXX, XXXX to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not mine # XXXX please remove from my report all XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (GA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX I did a title pawn with XXXX XXXX XXXX XXXX. I begin to feel that my payments did n't affect my balance as my balance remains the same. XXXX XXXX I went to TitleMax and was told they can help me get my title back quicker and with a better plan than XXXX XXXX XXXX XXXX. TitleMax refinanced my pawn and I completed an application with a representative. I was told to make a payment of {$240.00} on XXXX XXXX. On XXXX XXXX I went in to make a second payment of {$240.00} and was given a different and higher amount now due, TitleMax would not accept my payment of {$240.00}. I was asked when I would have more money to pay the new amount and I responded on XXXX XXXX and given the amount now due of {$340.00} to be paid on XXXX XXXX. I returned on XXXX XXXX with a payment of {$350.00} and again TitleMax would not accept my payment. I was told to come back with a money order for {$490.00} on my due date. On XXXX XXXX at XXXX, I received a phone call from TitleMax. I was told my payment is due today, I responded that my due date is the XXXX. The rep told me that it was noted in my account that I am to bring {$490.00} on the XXXX. I responded I was told to bring a money order of {$490.00} on my due date and if my due date changed I was not aware of it. The rep told me I need to be in before closing in 15 minutes or the amount will change again. I told the rep that I am in class and I will try to make it in 15 minutes. I then asked if I could drop the payment off after class and she told me that it had to be posted before they closed. The call lasted about 5 minutes and with traffic I knew that I would not make it before closing time, therefore, I remained at school. Here I am again with the dilemma of being two months behind, with a threat of possible actions of collection against me because TitleMax would not take my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with Machol & Johannes, LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On XX/XX/XXXX I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was XXXX XXXX. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of Machol & Johannes. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado BBB and Rip Off report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to modify loan which they are refusing to help with

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Transaction issue

Complaint: I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: So I opened the CitiXX/XX/XXXX Visa Signature Card XX/XX/XXXX ( as far as I can recall ) and closed it XX/XX/XXXX, the reason I got this card is because it has a benefit that after spending {$10000.00} in a year you receive a XXXX anniversary night valid on weekends on most XXXX   properties. The first year I received the night as promised after completing the spend. Second year ( XX/XX/XXXX-XX/XX/XXXX ) I was never credited with the anniversary night, I reached out to Citi to clarify the issue, long story short after a whole bunch of phone calls I finally spoke to someone who understood the issue, she pulled up the statements and confirmed that indeed I had spent more than the requisite 10k ( ~ {$10000.00} ) and said it was odd that I was not credited with a free night. She said the most she could do was credit me {$100.00} but she understands that the night is worth more ( it can be worth upwards of {$1000.00} ) so she will put a note on the account. I call a week later and find out I got a {$100.00} credit ( which I specifically said I was not willing to take ), spoke to other reps who said they will escalate the issue and I should call back in 3-5 Business days so I called back and after waiting 30 minutes on hold was transferred yet again to XXXX who of course claim they never got the anniversary certificate and I need to speak with Citi. Since then I called 3 more times finally I was transferred to someone who told me that the account was examined and I wasn't eligible, I replied that I had the statements and it didn't make sense, to which she responded that I could send in the statements by mail and file a complaint.

I have spent many hours on hold simply asking for what was clearly in the XXXX XXXX XXXX at least three times representatives simply transferred me to XXXX thereby wasting my time ( since it's not XXXX 's fault I was never given the certificate ). It is amazing how I keep getting stonewalled until finally someone simply tells me that they don't want to give it to me and can not provide any support for their position. I have never missed a payment, NEVER had a late payment and feel that the whole handling of this situation is terribly unfair. Any help would be greatly appreciated.

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 08/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 ( because it was a little after XXXX ) I checked my bank account to see if my direct deposit had posted and it had. I was checking throughout the evening because I had recently changed my direct deposit info with my job & the first pay cycle I received a check so I was looking to see if I was going to have to wait on another check the second pay cycle but luckily I did not. So throughout the entire day & evening of XXXX/XXXX/16 I was checking my account & saw no checking service fee or my check but around XXXX something in the morning XXXX/XXXX/16 my check had posted and the balance was {$870.00} & some cents but this morning XXXX/XXXX/16 around XXXX I check my balance ( I 'm a victim of skimming with Chase so I check my accounts often ) and it 's {$860.00} & some cents! Now I have n't bought anything or paid anything so I was wondering why my balance went down, I login to my account & low & behold Chase has put a service charge of {$12.00} posted for XXXX/XXXX/16 but it was n't there at all throughout the entire day of XXXX/XXXX/16 or the early morning of XXXX/XXXX/16 ( between XXXX or XXXX XXXX ) when my check posted to my account. XXXX of Chase policies for avoiding the {$12.00} service fee is if there is a {$500.00} or more direct deposit to your account, that 's the only reason why I changed my direct deposit to Chase, to avoid paying {$12.00} every month in service fees, that 's just a ridiculous amount to me! So Chase posted a back date for XXXX/XXXX/16 so they could charged my account the {$12.00} service fee! I called Chase to speak with a representative but he was no help at all, stating that the fee posted before my check although I 'm telling him that the fee was NOT there yesterday ( XXXX/XXXX/16 ) or before my check posted in the early morning of XXXX/XXXX/16 but again, he was no help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: O n XX/XX/XXXX  , I mailed Transunion a verification request to verify inaccurate information on my credit report. The two inaccuracies was  State Tax lie n and Bankruptcy. I asked Transunion to give me the furnisher of information on these  two  derogatory item. I asked specifically to give me the name and phone number of person that they verified with. According to FCRA laws, I am entitled to this information. Transunion completely ignored this request as they have with previous request and sent me a generic letter back stating the item are accurate. They also stated that the furnisher of information is  US Bankruptcy Court Northern   District of  XXXX . This is completely false information from Transunion. The US Bankruptcy c ourt stated that they do not give any information whatever to the Credit Bureaus and that the credit bureaus use 3rd party database  collectors  to get information. I feel that Transunion has violated the FCRA act by giving incorrect information about how they verified my request. They should remove my derogatory information completely because they did not provide accurate data for my legal request and a penalty should be imposed on them.

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization onXX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Very Respectfully, 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 non-monetary relief
Consumer complaint received 02-11-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV).
Issue: Fraud or scam

Complaint: I found a deal on craigslist for a vehicle and and contacted the supposed seller. She ( or whoever ) sent me a text message asking for my email address so they could send me more info and pics on the vehicle. I did. She sent me info and a link to pics of the vehicle. She then told me she was in the military and that she needed to sell her vehicle asap. She said she was using XXXX as a third party so everything would be covered. I stayed in contact with her until I did the money gram and then she would n't reply to my emails. Also I got the invoice from XXXX and thats where the info to wire the money was at. I figured out it was a scam when I received an XXXX invoice for another vehicle but did n't have my name on it. It was being sold to another person. The address was the same for the seller but different names. Also I contacted XXXX and they have no record and do not sell vehicles, but I did report all the info on the names and supposed people invovled. My money was wire to XXXX state but picked up in another and I do n't understand that. I would love to get my money back but I know that wo n't happen but I would also like for this not to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation