milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I opened  XXXX  accounts and at the time the teller and bank manager agreed that opening  XXXX  accounts was a good idea to protect my funds in  XXXX  account while using the other for online purchases. This proved to be a lie and fraud. I have addressed this numerous times through cfpb b ut BB & T re fuses to address my complaints of fraud. Since the last complaint the account in question has bee closed and charged off to collection without addressing my complaint. I demand an answer to  : 1 ) Why did BB & T  lie to me telling me my money was safe and untouchable in  XXXX  account while supposedly having me sign something to the contrary.    2 ) BB & T re fused more time than I can keep track off to provide me with a SIGNED document that I was aware  of BB & T po licy that allowed them to take money from  XXXX  account to offset the other. All  BB & T did  was provide unsigned rules and policy that I addressed in the past b ut BB & T ign ored.

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 03/29/2016 about Debt collection (Medical) with Financial Corporation of America (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Checking account) with PNC Bank N.A. (AL).
Issue: Deposits and withdrawals

Complaint: After filing a dispute with my debit card, PNC bank issued a provisional credit on my checking account. Without proper notification, PNC bank reversed the provisional credit, which resulted in an overdraft on my account. Due to not be notified in a proper manner, my account suffered numerous fees. When I brought this issue to attention of PNC Bank, the branch manager told me they would make sure that any outstanding debits would be paid. This has not happened. Not only was I not properly notified, my account suffered an overdraft, and debit have not been paid as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete XXXX 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent Amcol a certified letter requesting that they validate this debt they are attempting collect and is stating that I owe. Under the FDCPA I as a consumer have the right to request information to prove that I indeed owe the debt and the said amount. I have attached a copy of the certified receipt that is signed by XXXX with Amcol. I have yet to get the information necessary for them to have before they can legally report or collect this debt. As of today XXXX/XXXX/2015 Amcol is still reporting invalidated debt that is detrimental my credit score and is defamation of my character. please look into this company 's deceptive practices and help me to resolve this matter quickly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is in foreclosure because I was laid off from my job over a year ago. I now have a new job plus I will be back at my old job come XX/XX/XXXX. I was originally slated to go back to my old job XX/XX/XXXX but due to funding it was pushed back to XX/XX/XXXX as that is when the new funding cycle starts. I do have a job that I started on XX/XX/XXXX on a year employment contract with another client. Unfortunately the mortgage company has been extremely difficult and refuses to acknowledge my other form of income. My current employment contract was sent to them on XX/XX/XXXX via XXXX, the counseling center I am working with. Instead of them looking at the paper work from the stand point that come XX/XX/XXXX I will have XXXX jobs. They are trying hard to push this foreclosure through so that they can take my home. Mind you the payments are fairly low so with just my new job I can pay the mortgage and they know this. 
We have been diligently trying to work with PNC Mortgage to rectify this matter but I sincerely believe that they are engaging in scrupulous mortgage practices to try to take my home because of the equity that is in it. I have had this home for almost twenty years and have finally gotten to the point where I no longer have to pay interest and all the payments were going straight to pay off the principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They constantly call my phone back to back

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: This complaint is in regards to the Wells Fargo branch at XXXX XXXX XXXX in XXXX California. It alleges bad faith on the part of the banker who serviced me and his supervisors or manager and the Wells Fargo dispute department. It also alleges discrimination in violation of the equal credit opportunity act and extremely unprofessional conduct by that branch and possible age and racial discrimination. 

On XXXX XXXX 2016 I went to get {$750.00} out for rent. I told the banker to place XXXX hundred dollar bills in an envelope. When I got home, I learned the bank teller had shorted me XXXX dollars yet lied and wrote down he gave me XXXX he only gave XXXX. I filed a dispute. The bank did nothing but believe the corrupt and prejudice banker. I believe this is age discrimination because I 'm a XXXX and XXXX discrimination because this bank only hires XXXX and XXXX to work and the the bank and a majority of customers appear XXXX or XXXX, this complaint accuses the banker of shorting XXXX dollars out of malice and falsifying the account record to claim he gave the proper amount. The banker is prejudice he would never have treated a XXXX or XXXX and or young person this way, it seems dare a person not XXXX or XXXX use the branch at XXXX XXXX XXXX in XXXX, they are treated like a second class citizen, maybe even stold from, that branch operates more like a criminal organization than a bank branch and the Wells Fargo dispute has not resolved anything, they just try to cover up. They have cameras and should have seen his misconduct. He shorted me a XXXX dollar bill yet lied! This cost me XXXX dollars of money I needed. I have been a customer for more than 20 years but this bank hit me when I was down, they hire XXXX bankers at the XXXX XXXX XXXX branch, this is the first time I had problems here, I had previously ordered a bank card here and the order was never processed, I had to call customer service to get a bank card because the banker was prejudice and never ordered a replacement card at this bank. I would recommend customers who are XXXX and not XXXX or XXXX stay away from the XXXX XXXX XXXX branch in XXXX. Because the bank teller lied stole money from me and they sided with him I will probably have to take this to small claims court. This is the worst banking experience I ever had, wells Fargo let XXXX immigrants take over this branch. I hope they plan to give some XXXX 's jobs and fast food jobs to robots, well I suggest bank tellers be replaced by robot bank tellers because robot tellers would not act XXXX, show racial preference or act unprofessional and short the customer money and blame the customer.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Not able to dispute over the phone or online

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 06/29/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: In XXXX 2015, I signed up for a Frontier Credit Card. I was told that I would receive XXXX miles as a bonus for signing up for the card. They advised I could turn these into XXXX round trip flights. They advised on XXXX XXXX that I could just book the flight on my Frontier Credit Card, and when the miles where added they would issue a credit for the airline tickets. I have called for 2 months now and still do not have the miles into my account. They gave me a case number XXXX. I spoke to XXXX who stated she was a supervisor and she stated that it should have been credited. 
I believe that this a fraud. I was promised something and after paying a {$79.00} account fee the company refuses to give me the miles. 
My frequent flyer number is : XXXX. 
My credit card number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Received notification that taxes were increased therefore increased mortgage paymentsfrom Wells Fargo Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax was hacked, gave up vital personal information. Forced to pay for credit freeze. Outraged with company practices, hope the owners who sold their stock go to prison.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: they run my credit without my permission capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Inquiry Type : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experian is making it difficult for us to place a credit freeze or obtain a credit report. 
It is impossible to place a credit freeze or get a free credit report on-line or by phone. 
They accept only snail mail and want a certified letter, along with a copy of a driver 's license/government issued ID and a bank bill. 
When trying to get the credit report by phone, we are told to " stay on the line '', then they do not respond. There on-line app similarly just states they ca n't provide it. 
We have not experienced a similar problem with XXXX or XXXX 

Is this not a violation of the law? Or are they hiding a problem with their security?

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 03-06-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I have an unauthorized Walmart credit card account in my name.The account was put in my name a little after i was the age to have a credit card. I 've attempted to dispute it since i knew what credit was. It is an account with GE money bank.

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 10/27/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX  The last payment was made in the amount of XXXX  on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX  XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX  XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.

Company response to consumer: Closed with explanation