milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. 

These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. 

On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. 

The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance )

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 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: Personal information incorrect

Complaint: Equifax has a great deal of incorrect information on their report. I can not access the results of any of my complaints ; because they have an invalid address for me on their file. Each time I try to access information, I am unable to do so, because my accurate data does not match their files. I have notified them several times, and they will not correct the data. Once, I received a reply asking me to fax personal data, including my SSN, to an un-monitored fax location. Since Equifax has already proven that they can not protect data, I refused. Note : their recent hacks have made the situation worse. Their data is so bad, that I feel that my situation is hopeless. I have paid all debts that were mine, and I can not do anything about the bad data. I have filed over 100 complaints, and they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with PAYPAL HOLDINGS INC. (LA).
Issue: Billing disputes

Complaint: I called the credit issuer to request a payment change date and they would not change the date unless I made a payment on the current due date. If I was able to make a payment on that date I would not be requesting to have the date changed. The representative was not pleasant and also not very helpful

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2016 about Debt collection (Mortgage) with Sortis Financial, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This letter is to file a complaint with the Consumer Financial Protection Bureau on a strong violation of the Fair Debt Collection Practices Act. The posted collection letter I received pertains to a foreclosure that happened nearly ten ( 10 ) years ago. The foreclosure action based upon Florida statutes in essence wiped out the second position. The original creditor, XXXX XXXX XXXX, XXXX may have had a position to file a summary judgment action against me personally, but the chances of that motion being successful were highly improbable. Therefore, this entity known as XXXX XXXX XXXX, XXXX had only one process to obtain financial consideration, that method being an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria is as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, assuming that the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
ClearSpring Loan Services does not own the debt originally procured with XXXX XXXX XXXX, XXXX. This is a fact that can not be denied. This agency never took ownership of any debt, and is operating as a debt collector for a third party, thus the Fair Debt Collection Practices Act comes into plat. Secondly, the debt information was received through a debt pool arrangement, and the fact that ClearSpring has in its possession my personal information such as my social security number is truly an identity theft matter that should be looked into more deeply by the Federal Trade Commission/Consumer Financial Protection Bureau, as well as the Office of Attorney General, state of Florida. 
I demand an immediate purge of my personal information, a statement to that effect sent directly to me and the Consumer Financial Protection Bureau, and a letter of apology that I will hear from this collection agency no further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Debt collection (I do not know) with ERC (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again.

I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again.

They are also using a robo-calling device to call my cell phone. This is also illegal.

I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with Continental Finance Company, LLC (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I closed both Continental Finance credit cards ( XXXX ) and ( XXXX  ) due to the excessive fees they charge so no further activity could occur. Due to XXXX XXXX XXXX and doctor bills related to these XXXX I am late on my payment. Day 1 they started calling multiple times at very inconvenient times, on a two hour interval. I work from XXXX - XXXX through the week and they are calling while I am at work starting at XXXX central time up to XXXX and they call one time then I turn around and another call is right after it. When I received more calls after I told XXXX in customer service do not call again as Continental Finance has called excessively per day when he called on XX/XX/2017 at XXXX or XXXX, he said he would remove my phone numbers so I wouldnt get any more calls but I have received several more. I am considering further actions with the court system concerning violation of The Fair Debt Collection Practices Act ( FDCPA ) for amount I have heard about as I have consulted a lawyer regarding this wrong practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Credit card) with Second Round Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to file an complaint against XXXX XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim. 
Allowing Second Round LP 's attempt to " re-age '' negative trade-line, a violation, even in situation when Second Round LP failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with XXXX, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by Second Round, LP. 

XXXX and Second Round LP, could not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.

Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I CHECKED MY CREDIT REPORT TODAY AND I HAVE A NEW ACCOUNT WITH THE COLLECTION AGENCY PORTFOLIO RECOVERY. I DO NOT HOW THEY ARE REPORTING THIS. I WAS NOT GIVEN THE RIGHT TO DISPUTE OR ANY KIND OF INFORMATION FROM THEM BEFORE THEY STARTED REPORTING THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with Baker Recovery Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Baker Recovery Service issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is reporting a collection account from XXXX on My Transunion, XXXX, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (MO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Re : First Progress XXXX. XXXX XXXX XXXX XXXX, TN XXXX Card Number : XXXX I opened an account for a secured card with First Progress for {$300.00}. I had to Deposit {$300.00} cash for them to open an account for me. 

I closed the account and First Progress never refunded the {$300.00} cash Deposit and they kept adding fraudulent bogus charges to the account After it was closed now the account is showing I owe them {$580.00}. 

I owe them nothing and again they never returned my deposit of {$300.00}. I want this account to show at all 3 credit reporting agencies That I owe them nothing and I want a return of the {$300.00} cash deposit That they received from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Payday loan) with Solidus Group LLC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Another payday loan scam threatening legal action. A company called  2  or 3 months ago stating I owed a supposed debt from 4 years ago. I knew I did not, scoured bank records to prove it, and proved the debt never existed. The company that called today said it was a debt from the same day, but a company with a completely different name. I stated my stance, that its already been researched and proven nonexistent. I asked for company information to pursue formal complaints, "  XXXX   XXXX  '' refused to give me any information, threatened me and hung up. I filed multiple complaints with the  XXXX  and state attorney generals and this company called again. I warned them that I had already filed complaints against this false debt and to remove my number from their system.

Company response to consumer: Untimely response
Consumer complaint received 08-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ND).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned a loan for my cousin. The loan amount was approved for {$5000.00}. After he left school some how the loan was approved to {$7000.00} of which he didnt receive. The money was sent to the school according to XXXX XXXX who sold the account to navient. They say i have to contact the school, which has since closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Trouble during payment process

Complaint: Good afternoon CFPB representative : I really apologize for having to address this same issue yet again. It has not been a full month since my last complaint. I put in a complaint on XX/XX/XXXX. The complaint # XXXX. Well, I paid my Wells Fargo mortgage through bill pay from XXXX XXXX XXXX for XX/XX/XXXX. It was documented on my account statement ; BUT, the additional cash payment of {$1400.00} that i made in the bank on XX/XX/XXXX was documented on my statement as unapplied {$1400.00} and not towards the principal as I clearly stated to the representative in the bank and when I called into Wells Fargo that same day to notify the bank that the payment would made for XX/XX/XXXX for the mortgage as well. So, the total amount I provided to Wells Fargo for XX/XX/XXXX was {$2700.00} ; {$1300.00} for standard mortgage payment + {$1400.00} cash additional principal payment. Again, I apologize for complaining about this ; but, I want this matter adjusted and corrected immediately. Thank you for taking the time to listen to my complaints. 
Sincerely, 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 03/15/2016 about Bank account or service (Checking account) with U.S. BANCORP (MT).
Issue: Problems caused by my funds being low

Complaint: US Bank has taken an overdraft out of our checking account and that has caused an overdraft and left a negative balance of {$80.00} and on XX/XX/XXXX16 our XXXX payment was returned to them unpaid.I went to use the debit card at XXXX this morning and it was rejected and I came home and checked the account online and there was an item presented to the bank and they had taken out the {$120.00} and I spoke to a person at the bank and she said that the overdraft protection was for the debit card and I said no as they did return an electronic withdrawl from the same company and put back the overdraft money and service charge. Now they are still charging us the service charge on our own money. We had stopped the over draft protection in XXXX of 2016 and this was for all transactions. I will attach a copy of my bank statement to this complaint and I need to have some action on this as the bank is telling us that they can change there agreements without telling the consumer. I feel that they need to return the money and not take the service charge as we had stopped the over draft protection in XXXX of 2016. 
XXXX2016 Overdraft Returned Fee Waived {$36.00} {$120.00} XXXX/XXXX/2016 Overdraft Returned Fee {$36.00} {$84.00} XXXX/XXXX/2016 Returned Electronic Withdrawal Wi XXXX XXXX {$120.00} {$120.00} XXXX/XXXX/2016 Monthly Maintenance Fee Waived {$8.00} - {$4.00} XXXX/XXXX/2016 Monthly Maintenance Fee {$8.00} - {$13.00} XXXX/XXXX/2016 Electronic Withdrawal Wi XXXX {$120.00} - {$4.00} XXXX/XXXX/2016 Debit Purchase -XXXX Sincerely XXXX XXXX XXXX XXXX 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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last  Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.

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